Skip to main content

We have updated our Privacy Policy and Terms of Use Effective July 1

Best 7 Home Warranty Companies in McMinnville, OR

  • Written by
    Jessica Hurtault
  • Fact Checked
  • Updated

Homeowners in the Beaver State are no strangers to extreme weather, from hailstorms to flooding. The Pacific Northwest is known for its rainfall, and temperatures in Oregon can vary from well below zero to over 100 degrees Fahrenheit. These temperatures can stress your house's HVAC system. For this reason, many Oregon homeowners invest in good home warranties.

A home warranty can save you a significant amount of money on home system repairs and replacements. That's why we've put together this list of the best home warranty providers in McMinnville, Oregon.

Best Customer Ratings
Liberty Home Guard logo
4.5/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
  • Provides an easy claims process
Best for Comprehensive Coverage
American Home Shield logo
4.4/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay
  • Features broad coverage on up to 33 appliances and systems
Best Value
Select Home Warranty logo
4.3/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Provides low service fees compared to other home warranty providers
  • Includes two extra months of coverage in annual signup
  • Has an appliance-only, systems-only, and combo plan option

7 Best Home Warranty Companies in McMinnville

Brands are algorithmically curated from a database of local service providers near you. We require a minimum number of Google reviews and average ratings for provider inclusion.

Featured Partner
American Home Shield Logo
Best for Comprehensive Coverage

American Home Shield

4.4/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay
  • Features broad coverage on up to 33 appliances and systems

Cons

  • Doesn’t let customers choose their own technician
  • Offers limited add-on options

52 Years in Business

BBB Rating:B

Featured Partner
Liberty Home Guard Logo
Best Customer Ratings

Liberty Home Guard

4.5/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
  • Provides an easy claims process

Cons

  • Lacks transparency on service call fee pricing
  • Excludes coverage for known or unknown pre-existing conditions

6 Years in Business

BBB Rating:A+

Featured Partner
Select Home Warranty Logo
Best Value

Select Home Warranty

4.3/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Provides low service fees compared to other home warranty providers
  • Includes two extra months of coverage in annual signup
  • Has an appliance-only, systems-only, and combo plan option

Cons

  • Has a $75 cancellation fee
  • Low coverage caps

11 Years in Business

BBB Rating:B-

Featured Partner
AFC Home Warranty Logo
Best for Customization

AFC Home Warranty

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Provides an unlimited workmanship guarantee
  • Offers generous appliance coverage limits
  • Allows you to choose your own contractor

Cons

  • Limits coverage limits for older items based on depreciated value
  • Requires you to file a claim immediately after discovering an issue

14 Years in Business

BBB Rating:B

Featured Partner
First American Home Warranty Logo
Best Appliance Coverage

First American Home Warranty

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Allows you to choose your service call fee
  • Doesn’t have a coverage cap on heating, cooling, or ductwork
  • Accepts 24/7 service calls
  • Offers replacement of some covered items that are too damaged to repair

Cons

  • Doesn’t let customers choose their own contractor
  • Charges higher for coverage compared to other providers

39 Years in Business

BBB Rating:B

Featured Partner
Cinch Home Services Logo
Best Additional Perks

Cinch Home Services

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers home insurance deductible of $500
  • Extends a long 180-day workmanship guarantee
  • Provides generous $10,000 aggregate coverage limit

Cons

  • Charges high service fees of $75-$150
  • Doesn’t allow customers to choose their own technician
  • Isn’t available in Hawaii or Alaska

45 Years in Business

BBB Rating:B

Featured Partner
2-10 Home Buyers Warranty Logo
Cheapest Appliances Plan

2-10 Home Buyers Warranty

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers a $25,000 annual coverage cap
  • Pairs plans with a plan-length workmanship guarantee
  • Offers unique perks such as color matching appliance replacements

Cons

  • Charges a monthly processing fee if you choose monthly premiums
  • Excludes washer and dryer coverage from most plans

39 Years in Business

BBB Rating:A-

BBB ratings are accurate as of August 2023. Cost figures are based on information available on provider websites and are accurate as of August 2023. Request a quote from each company to see prices in your area.

Facts about McMinnville

  • Average Max Temperature:
    59°F
  • Average Min Temperature:
    44°F
  • Average Annual Snowfall:
    5.3”
  • Homeownership Rate:
    70%
  • Median Home Size:
    1,867 sqft
  • Median Home Price:
    $471,545

Are Home Warranties Worth It for McMinnville Residents?

Yes, home warranties are beneficial for McMinnville residents. McMinnville can have fairly hot days during the summer, and you probably use your air conditioner frequently during warmer months. Your air conditioner can malfunction over time due to breakdowns from regular wear and tear.

McMinnville has relatively mild winters, but there are still days you'll need your heating. The cost of an HVAC system replacement can range between $2,500 and $8,000. Home warranties, on the other hand, come in at only $644–$737 a year, based on 120 quotes we requested from home warranty companies nationwide.

McMinnville's heavy rain can also affect your home's roof. Some home warranty companies offer limited roof-leak protection to ease the financial burden of repair.

Finally, home warranties connect you with reliable technicians. When work and other priorities keep you busy, you want to know a trustworthy service provider is handling your repairs. Reputable home warranty companies vet all their service providers.

What To Consider Before Choosing a Home Warranty Company

Consider these key factors when choosing the best home warranty plan for you.

Cost

We pulled 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost roughly $53–$62 per month. You'll also pay service call fees whenever you file a claim. These fees range from $65–$125 per claim. Basic home warranties cost less than comprehensive ones, and appliance plans cost less than home systems coverage plans. You can select add-on coverage options, but these will increase your monthly cost. Consider your specific needs before selecting a plan.

Coverage

Many home warranty providers offer plans for select appliances or systems. Determine which appliances and systems you use the most before choosing a plan. If you only need to cover certain major systems (such as air conditioning) or certain appliances, you can find a plan that meets your needs. The following is a list of common systems coverage:

  • Air conditioner
  • Central vacuum
  • Ductwork
  • Electrical
  • Heating
  • Plumbing
  • Water heater
Commonly covered appliances include the following:
  • Built-in microwaves
  • Clothes washers and dryers
  • Dishwashers
  • Garbage disposals
  • Ovens
  • Refrigerators
  • Stovetops
Companies' coverage limits are also important. Our research indicates that providers with higher coverage limits often charge higher premiums. These providers may still be the best choice for houses with older appliances or systems.

Exclusions

Typically, home warranties don't cover improper installation or preexisting conditions. Most policies only cover breakdowns from normal wear and tear. Most also exclude appliance components or cosmetic issues, routine maintenance, theft, or defects. Providers outline limitations and exclusions within their service contracts. Make sure you read yours carefully to fully understand the terms and conditions of your plan.

Provider Reputation

Consider provider reputation when making a decision. You can also read real customer reviews on sites such as Best Company, Google Reviews, and Trustpilot. Customer reviews can give you a sense of how providers handle claims and customer service. Check with the Oregon Department of Justice to verify the status of a provider's state license.

Contractor Network

Take into account a home warranty company's network of service providers. Your company should always use licensed and registered contractors to handle service requests. Make sure you ask where and how a company sources its technicians. Choose a provider that mentions the names of familiar service contractors. Residents of rural areas might opt for a home warranty that allows them to choose their technician. You may need to source your own provider if no in-network ones are available in your area.

Frequently Asked Questions about Home Warranty in McMinnville

More Home Warranty Resources

Sources

To share feedback or ask a question about this article, send a note to our Reviews Team at reviewsteam@thisoldhousereviews.com.

Explore Useful Articles On Home Warranty

What Is a Home Warranty?

What Is a Home Warranty?

Dana Getz-April 26, 2024

How to Buy a Home Warranty (2024 Guide)

How to Buy a Home Warranty (2024 Guide)

Dana Getz-April 2, 2024

Home Warranty Regulation

Home Warranty Regulation

Dana Getz-April 2, 2024

Related Cost Guides

How Much Does a Home Warranty Cost? (June 2024)

How Much Does a Home Warranty Cost? (June 2024)

Stephanie Koncewicz-May 15, 2024

What Does a Home Warranty Cost a Seller?

What Does a Home Warranty Cost a Seller?

Dana Getz-April 3, 2024