Best Home Warranty Companies in Oregon (2022)

Manufacturers’ warranties only last so long, and homeowners in Oregon know that the most expensive home appliances and systems don’t tend to conveniently break down during the warranty period. As homes age, the damage from normal wear and tear increases, and as a homeowner, you may find yourself on the hook for repair or replacement costs as things break down.

We understand that you don’t want to buy a home warranty if it doesn’t save you money. The This Old House Reviews Team did the research and compared home warranty providers to help you find the best home warranty companies in Oregon.

Oregon’s Top 3 Home Warranty Companies

The highest rated home warranty companies in Oregon include:

• American Home Shield: Best Overall
• Choice Home Warranty: Best Basic Plan
• Select Home Warranty: Best Value

American Home Shield

Our overall recommendation goes to American Home Shield, a company with nearly 50 years in the home warranty business. While American Home Shield is our top overall pick, we acknowledge that their home warranties aren’t perfect. You’ll pay a little more for customizability, but we find the cost to be worth it.

Pros & Cons

✔ Has been in business since 1971
✔ Covers damage due to rust and corrosion
✔ Provides discounts on new appliances

✘ No coverage for roofs or standalone freezers
✘ Relatively high premiums (though still in line with the industry average) compared to other home warranty companies

Plans & Pricing

American Home Shield offers the ShieldSilver™ plan to cover home systems. The next step up is the ShieldGold™ plan, which adds coverage for nine appliances and totals 23 items. The ShieldPlatinum™ plan is among the most comprehensive in the industry, adding coverage to the ShieldGold plan. The ShieldPlatinum plan increases coverage caps across the board and includes roof leak coverage and a free HVAC tune-up.

Customers can purchase extra coverage for pools and spas, well pumps, septic pumps, and guest units. American Home Shield also offers extended warranties for some electronic devices and discounts on new appliances.

Here’s a monthly pricing breakdown of each AHS plan, based on a standard $100 service fee:

• ShieldSilver: $34.99 per month
• ShieldGold: $44.99 per month
• ShieldPlatinum: $59.99 per month

American Home Shield provides the ability to adjust your service call fee relative to your premium. You can pay a lower premium and a higher service call fee, should you need it, or vice versa. Balance how often you think you’ll need to use the policy against your monthly payment to determine your service fee.

Learn more: American Home Shield Review

Choice Home Warranty

Choice Home Warranty is another top home warranty provider in Oregon and covers systems and appliances regardless of how old they are. Though the company provides coverage options that some other companies don’t, such as roof leaks and septic systems, there are some potential drawbacks.

Pros & Cons

✔ Provides 24/7 customer service
✔ Offers a 90-day repair guarantee
✔ Free cancellation within first 30 days

✘ Can’t choose your own contractor
✘ Customers can’t build their own plans

Plans & Pricing

Choice Home Warranty offers two plans—the Basic Plan and the Total Plan. Both plans cover systems and appliances, but the Total Plan covers your air conditioning, washers, dryers, and refrigerators.

When signing up for a CHW plan, you can choose to pay your premiums either monthly or annually. If you pay for the whole year, Choice Home Warranty will waive your first month’s premium.

Along with a service fee between $60–$85, here’s what the monthly cost is for each plan:

• Basic Plan: $36.17 per month
• Total Plan: $43.85 per month

Learn more: Choice Home Warranty Review

Select Home Warranty

Select Home Warranty offers the lowest average premiums of any company we reviewed. Although the company has been around for less than a decade, it’s a competitive choice in the home warranty market.

Pros & Cons

✔ Provides free roof coverage and optional septic system coverage
✔ Has a claims center that’s open 24 hours a day, seven days a week
✔ Offers discounts to customers who sign up for multi-year plans

✘ Only Platinum Care covers plumbing stoppages
✘ Charges repeat service fees for items that require multiple service visits
✘ Has low coverage caps on home systems and appliances

Plans & Pricing

Select Home Warranty offers three plans: Bronze Care (appliances plan), Gold Care (systems plan), and Platinum Care (combination plan). All three plans come with free roof coverage and $100 off.

Here’s a pricing breakdown of Select Home Warranty plans, in addition to a $75 service fee:

• Bronze Care: $35.83 per month
• Gold Care: $35.83 per month
• Platinum Care: $37.50 per month

Note: Contact Select Home Warranty about additional discounts for multi-year plans.

Learn more: Select Home Warranty Review

Our Conclusion

Before buying a home warranty, take the time to look at your options and make sure that you can obtain coverage for the systems or appliances you’re most concerned about. Below is a master list of items covered by all three home warranty companies. Compare it to your own checklist to pick the best home warranty for you.

Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers, and we aim to provide transparency in our review standards and research process.

Our research process includes speaking with representatives from more than 40 home warranty providers, requesting quotes, and asking clarifying questions to gain insight into each provider’s benefits and downsides. We also analyze sample contracts from each company to understand specific coverage terms.

To rate companies, we apply the data we have gathered to our review standards. These standards are on a 100-point scoring system, which is detailed below:

• Coverage (35 points): Providers are scored based on breadth and depth of coverage. We focused on key home systems (HVAC, plumbing, and electrical), essential appliances (refrigerator, ovens, and laundry machines), and unique coverage items (such as roof-leak coverage and code violation allowances). Coverage scores are weighted by taking into account coverage caps and other limiting factors, meaning providers with greater range of coverage and higher coverage caps score the highest.
• Value (30 points): A company’s plan value is a reflection of how well it serves the customer in comparison to what the customer pays for the policy. We accounted for monthly costs, service call fees, and cost flexibility (such as customizable service call fees, discounts, and multi-year policies).
• Trustworthiness and Transparency (21 points): Trustworthiness and transparency are a reflection of how well the provider considers the customer’s interests. We scored items such as the length of workmanship guarantees, online availability of a sample contract, policy change flexibility, and ease of cancellation. Additionally, we scored items that reflect industry reputation and customer satisfaction, including analyzing brand reputation across the Better Business Bureau and third-party customer review aggregators.
• Availability and Service (14 points): Quality of customer service is key to customer satisfaction. We dug into each provider’s guaranteed response times, claims processes, service flexibility, emergency availability, and more.