When homes age, the damage from normal wear and tear on essential systems and appliances increases. As a homeowner, you may find yourself on the hook for repair or replacement costs as things break down. For a monthly fee, a home warranty covers expensive home repair costs you would otherwise pay out-of-pocket.
To help with your research, The This Old House Reviews Team compared the best home warranty companies in the United States. We selected our top picks for Oregon based on coverage limits, plan costs, and additional perks.
Oregon’s Top 3 Home Warranty Companies
The highest-rated Oregon home warranty companies include these:
- Liberty Home Guard: Best Customer Ratings
- American Home Shield: Best Coverage Caps
- Select Home Warranty: Best Value
Liberty Home Guard
Our overall top pick is Liberty Home Guard (LHG) due to its solid coverage limits, extensive suite of add-ons, and lengthy workmanship guarantee. Additionally, its 24/7 access to customer service via a live chat feature on its website connects you to a representative quickly. While many companies offer 24/7 phone support, LHG adds this layer of convenience.
Pros and Cons
✔ Offers a 60-day workmanship guarantee
✔ Allows customers to contact support through live chat
✔ Provides more than 30 additional coverage options
✘ Lacks service call fee transparency when pulling a quote
✘ Doesn’t allow you to choose your service provider
Plans & Pricing
Liberty Home Guard offers three plans: Appliance Guard, Systems Guard, and Total Home Guard. Appliance Guard covers major appliances, such as built-in microwaves, laundry machines, and dishwashers. Systems Guard covers home systems, such as your water heater and plumbing. The Total Home Guard bundles appliance and systems coverage into one comprehensive plan.
Liberty Home Guard charges a service call fee between $65 and $125 when you file a claim. This fee is assigned to your account based on your plan, location, and add-ons.
You can compare monthly prices below:
- Appliance Guard: $49.99 per month
- Systems Guard: $54.99 per month
- Total Home Guard: $59.99 per month
To request a free quote, fill out Liberty Home Guard’s simple form or call 866-452-9107.
Learn more: Liberty Home Guard Review
American Home Shield
American Home Shield (AHS) is a reputable home warranty provider for Oregon homeowners. It offers flexible coverage plans and generous coverage limits per covered item. In addition, AHS doesn’t require a home inspection prior to granting coverage, making it a good choice for those with an older home.
Pros and Cons
✔ Offers guest unit coverage up to 750 square feet
✔ Covers damage due to rust and corrosion
✔ Provides discounts on new appliances
✘ Offers a limited amount of add-ons
✘ Charges relatively high premiums compared to other home warranty companies
Plans and Pricing
American Home Shield offers the ShieldSilver™ plan, which cover home systems. The ShieldGold™ plan adds appliance coverage. The ShieldPlatinum™ plan increases coverage caps across the board and includes roof leak coverage and a free HVAC tune-up. AHS allows you to choose from a $75, $100, or $125 service call fee. The higher the service call fee, the lower your monthly premium.
Customers can purchase extra coverage for pools and spas, well pumps, septic pumps, and guest units. American Home Shield also offers extended warranties for select electronic devices, plus discounts on new appliances.
Here’s a monthly pricing breakdown of each AHS plan paired with a $100 service fee:
- ShieldSilver: $44.99 per month
- ShieldGold: $64.99 per month
- ShieldPlatinum: $79.99 per month
Learn more: American Home Shield Review
Select Home Warranty
Select Home Warranty offers low monthly premiums and solid heating and cooling system coverage. Select also pairs each plan with a low service call fee. Although the company has been around for less than a decade, it’s a competitive choice in the home warranty market.
Pros and Cons
✔ Provides free roof coverage
✔ Extends a $3,000 coverage limit for HVAC systems
✔ Offers discounts to customers who sign up for multi-year plans
✘ Charges repeat service fees for items that require multiple service visits
✘ Includes low coverage caps on home systems and appliances
Plans and Pricing
Select Home Warranty offers three plans: Bronze Care, Gold Care, and Platinum Care. The Bronze Care covers major appliances, while the Gold Care covers major systems. The Platinum Care covers systems and appliances. Select includes $400 roof-leak repair coverage in each plan.
Here’s a pricing breakdown for Select Home Warranty plans paired with its $75 service fee:
- Bronze Care: $44.43 per month
- Gold Care: $44.43 per month
- Platinum Care: $47.75 per month
Note: Contact Select Home Warranty about additional discounts for multi-year plans.
Learn more: Select Home Warranty Review
Our Conclusion
Liberty Home Guard is our top pick for homeowners in Oregon. It provides comprehensive policies and responsive customer service model. American Home Shield is another excellent option due to its generous coverage caps and pricing flexibility. We also recommend Select Home Warranty for customers on a budget.
Before buying a home warranty, request quotes from three different providers to compare costs and coverage options. We also recommend reading their sample contracts so you understand coverage exclusions and limitations better.
Frequently Asked Questions
Our Rating Methodology
The This Old House Reviews Team backs up our home warranty ratings and recommendations with a detailed rating methodology to objectively score each provider. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts from each company, and conducting focus groups and consumer surveys. We then score each provider against our review standards for coverage, value, trustworthiness and transparency, availability, and customer service to arrive at a final score out of 100.
To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.