Best Home Warranty Companies in Oregon (2024)
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, we compared highly recommended home warranty companies in the United States. We selected our top picks for Oregon based on coverage limits, plan costs, and additional perks. Our top recommendations for a home warranty in Oregon are Liberty Home Guard and American Home Shield.
Key Takeaways
- The best home warranty companies in Oregon are American Home Shield and Liberty Home Guard, based on our research of 13 home warranty providers.
- An Oregon home warranty costs $723 annually on average, or $45–$79 per month, depending on your provider and coverage.
- We recommend getting at least three different quotes from the providers below to help determine which is best for you.
Did You Know?
- In the last 30 days, more than 2,500 people bought home warranties from the above providers. Liberty Home Guard is our most popular provider, with 55% of buyers choosing to cover their homes with an LHG plan.
Top 5 Home Warranty Companies in Oregon
Our highest-rated Oregon home warranty companies are the following:
- Liberty Home Guard: Best Customer Support
- American Home Shield: Best for Comprehensive Coverage
- Select Home Warranty: Best Budget Plan
- Elite Home Warranty: Best for Customized Coverage
- First American Home Warranty: Best for High-End Items
Summary of Oregon’s Best Home Warranty Companies
We selected the top Oregon home warranty companies using our comprehensive review standards, which compare each provider’s coverage options, customer service, plan pricing, and reputation.
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#1 out of 15 companies | #2 out of 15 companies | #3 out of 15 companies | #4 out of 15 companies | #5 out of 15 companies | |
NR | B | B- | B+ | B | |
Monthly Cost |
$49–$59 | $49–$109 | $44–$47 | $44–$59 | $47–$87 |
Service Fees |
$65–$125 | $100–$125 | $60–$75 | $70 | $75–$125 |
Customer Support Options |
Email, Phone, Online Chat, Online Portal | Phone, Online Portal | Email, Phone, Online Portal | Email, Phone, Online Portal | Phone, Online Portal |
Response Time |
Up to 48 hours | Up to 48 hours | 48-84 hours | Up to 48 hours | 4–48 hours |
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Cons |
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Summary |
We recommend Liberty Home Guard for homeowners who need coverage for multiple HVAC systems and extensive add-on customizations. |
We recommend American Home Shield for homeowners who need comprehensive coverage for older homes. |
We recommend Select Home Warranty for homeowners who need affordable HVAC-only coverage. |
We recommend Elite Home Warranty for homeowners who want fully customizable plans and extensive add-on coverage options. |
We recommend First American Home Warranty for homeowners who need robust plan options for HVAC and high-end appliances. |
Promotions |
$200 Off + 2 Months Free + Roof Leak Protection | $150 off any plan | Cyber Monday: 40% Off Home Warranty Plans | $150 Off + 1 Month Free. 30-Day Free Trial | $100 Off with Code “PROTECT” |
Rating Categories |
Liberty Home Guard | American Home Shield | Select Home Warranty | Elite Home Warranty | First American Home Warranty |
Coverage |
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Value |
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Trustworthiness |
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Plan Transparency |
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Customer Support |
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Flexibility |
BBB ratings are accurate as of May 2024.
Note: We based the pricing information in this table and throughout the article on sample quotes we obtained for a 2,540-square-foot, single-family home in Portland, Oregon. Your pricing may vary depending on your home’s location, size, type, and plan selections.
Reviews of Home Warranty Companies in Oregon
How Are Home Warranties Regulated in Oregon?
Based on our research, he found that Oregon’s Department of Consumer and Business Services oversees home warranties in the state. This government entity helps maintain fair practices in the state and protects homeowners’ rights. Home warranties fall under service contracts and are regulated under Oregon statute § ORS 646A.154.
Homeowners can file a complaint directly with this department if they experience home warranty disputes or issues.
How Much Does a Home Warranty Cost in Oregon?
An Oregon home warranty costs $60 per month on average, or $546-$948 annually. However, a home warranty cost also includes other items such as service fees and add-on coverage. You’ll pay service fees between $75 and $150 with every claim. Add-on coverage varies between companies, costing as little as $4 per month up to $20 or more.
To save money, homeowners should consider coverage for essential systems only and pair add-on options. In addition, many companies offer free months of service or discounts with annual and multiyear plans.
What To Look For When Buying a Home Warranty in Oregon
When shopping for home warranties in Oregon, we recommend matching your plan to your home needs. Below are a few tips to help you in your search.
- Check plan exclusions: Read through each policy and check for coverage exclusions and limitations. Ensure your essential system and appliances will receive coverage and check for policies that exclude coverage based on system age or condition. If your system or appliance is nearing the age limit, check coverage exclusions before renewing annually.
- Consider cost versus value: Although a more affordable home warranty will save you money on premiums, it may not offer adequate coverage caps or protection. Paying more for more comprehensive coverage could be worth the investment.
- Look for better customization options: Some companies offer limited plan coverage, making it harder to match your plan to your needs. Look for companies offering better flexibility with multiple plans, service fees, and add-on options.
Expert Takes on Home Warranties
To expand our home warranty research, we spoke to industry experts and professionals. We got their take on home warranties and asked some common homeowner questions. We’ve shared their answers below:
- Are home warranties worth it for older Oregon homes? Dave Bringer, owner and head technician of Bringer Appliance Repair, explained that home warranty coverage offers added protection when standard appliance and system warranties are no longer useful. He said, “Older homes need home warranties because their appliances and systems have most likely used their manufacturer’s warranty coverage.”
- What should I know about the claims process in Oregon? David Tully, founder of LPT Realty, recommends reading your company’s claim process policies to better understand the process. He shared, “You need to understand how to file a claim to your provider and how quickly you can expect a response from them. Also, get to know the turnaround time they would take for the repairs and replacements.”
- What do I need to know before signing up for a home warranty in Oregon? When we spoke with Danny Margagliano, a World Impact Real Estate Realtor, he explained that the value of a home warranty plan could be worth the higher cost. “Depending on the age of your home appliances, the cheapest plan may be good,” he said. “A more expensive plan that covers more parts of the home may be a better choice for someone else.”
Our Conclusion
American Home Shield is top pick for homeowners in Oregon due to its generous coverage caps and pricing flexibility. We also like Liberty Home Guard for its comprehensive policies and responsive customer service model. We recommend Select Home Warranty for customers on a budget.
Before buying a home warranty, request quotes from three providers to compare costs and coverage options. We also recommend reading their sample contracts to better understand coverage exclusions and limitations.
Other Resources for Residents in Oregon
FAQs About Home Warranties in Oregon
What’s the difference between a home warranty and home insurance?
A home warranty covers major systems and appliances that break down due to normal wear and tear. In contrast, homeowners insurance covers damage to your home from natural disasters, fire, and theft.
How much do home warranties cost?
When determining a home warranty’s overall cost, consider both the premiums and the service call fees. You pay the premium every month (or year) to maintain the policy. The service call fee is charged every time you request a technician come out to take a look at a problem. Home warranties cost between $300–$600 a year and $75–$125 per service call fee.
Do home warranties cover normal wear and tear?
Yes, most home warranty companies cover systems and appliances that experience normal wear and tear. However, each company offers different coverage caps for these items.
Our Rating Methodology
We back 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, cost, trustworthiness, plan transparency, customer support, and flexibility to arrive at a final score on a 5-point rating scale.
To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.