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5 Best Home Warranty Companies in Oregon of 2023
By Victor Rosario MONEY RESEARCH COLLECTIVE
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- Members Can Save Up to 50% at Nike, Costco, Home Depot & 1000’s more
- Online Business Bureau Accredited with A+ Rating
- Covers Major Home Systems, HVAC & Appliances
- Free Roof Coverage, No Inspection Needed
24/7 support whenever your appliances fail
- Large network of independent prescreened contractors and qualified technicians
- In business for over 30 years
- Good coverage on home systems
- Does not cover pre-existing issues
- They will replace items that fail if they can't be fixed regardless of age, make or model
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- Industry leader since 1971
- More than $2 Billion in claims paid in last 5 years
- More than 2 Million customers served
- No inspection or maintenance records required
- 30-day workmanship guarantee
A home warranty is a service contract that provides protection for your major home systems and appliances. In the event of a breakdown or failure, a home warranty can cover the cost of repairs or replacements. It’s a great option for homeowners looking for peace of mind, especially if you have an older home.
With so many home warranty companies to choose from in Oregon, it can be overwhelming to know where to start. In this article, we’ll be discussing the five best home warranty companies in Oregon and what they have to offer.
Our Top Picks for Best Home Warranty Companies in Oregon
- Best overall: Liberty Home Guard
- Best for low-cost combo plan: Select Home Warranty
- Best for no-inspection coverage: Choice Home Warranty
- Best for unlimited coverage for systems repairs: American Home Shield
- Best for long workmanship guarantee: Cinch Home Services
Table of contents
- Best home warranty companies in Oregon reviews
- Other companies we considered
- Best home warranty companies in Oregon guide
- FAQs
- How we chose the best home warranty companies in Oregon
Best Home Warranty Companies in Oregon Reviews
Best Overall: Liberty Home Guard
- Customize your plan with a very wide range of add-on coverages
- Offers systems-only, appliances-only and combination plans
- Some customers have reported slow response times for service requests
- More than 500 complaints made to the Better Business Bureau
Liberty Home Guard offers a choice of three home warranty plans with self-explanatory names: Appliance Guard, Systems Guard and Total Home Guard. It may sound funny, but with so many companies giving their plans meaningless names —precious metals are favored by most— we appreciate Liberty Home Guard’s efforts to keep things simple and transparent.
The company’s Appliance Guard Plan costs $49.99 per month and includes coverage for nine common kitchen and laundry room appliances. Garbage disposals, ceiling and exhaust fans, and garage door openers are among the items covered by the plan.
Liberty Home Guard’s Systems Guard plan is available for $54.99 per month. It covers heating, air conditioning, plumbing, electrical systems and hot water heaters. Ductwork is included in the company’s HVAC coverage.
Liberty Home Guard’s Total Home Guard plan costs $59.99 per month. It includes coverage for all items in their two lower-priced plans. All plans reflect a service call fee of $125, but the company does allow you to opt for a lower service call fee — as low as $65.
Liberty Home Guard stands out for its very wide range of optional coverages: we counted about thirty. They include some very popular add-ons —second refrigerators, well pumps and septic pumping — and a few obscure items, too. Notably, you can purchase coverage for pro-series appliances, which are often excluded under home warranties, and even some maintenance services, such as carpet cleaning and exterior power washing. You can also purchase coverage for your electronic devices.
Best for Low-Cost Combo Plan: Select Home Warranty
- Offers individual plans for systems or appliances
- Low-cost combo plan
- Discounts for multiple-year plans
- Limited roof leak coverage available
- Fewer add-on coverage options than competitive plans
- Low coverage limits for appliances, electrical systems, and plumbing systems ($500)
- More exclusions than other plans
Select Home Warranty offers homeowners a choice of three plans. You can select an appliance plan, a systems plan, or a plan that includes both. Its appliances-only Bronze Care plan includes coverage for washers and dryers, refrigerators, stoves, built-in microwaves and garbage disposals. Its systems-only Gold Care plan covers HVAC, electrical and plumbing systems, as well as water heaters and ductwork.
Its Platinum Care plan is among the least expensive combo plans we’ve come across during our review process and includes limited roof leak coverage. But Select Home Warranty’s low costs may be offset by its low coverage limits on certain systems and appliances. For example, its coverage limit on appliances is $500. Especially in today’s inflationary times, you’d be hard-pressed to find a decent refrigerator for under $1,000.
Best for No-Inspection Coverage: Choice Home Warranty
- First month free when you select an annual plan
- Two combination systems-and-appliances plans to choose from
- Publishes an informative homeowner's blog
- Refrigerators not covered in its lowest-cost plan
- Only covers properly maintained systems and appliances
- No sample contract provided on website
Choice Home Warranty offers two customizable plans that can be tailored to fit the specific needs of a wide range of properties. Choice Home Warranty’s plans are a good value, providing broad coverage at moderate prices.
Choice Home Warranty is one of several companies that do not require a home inspection before a policy is issued. However, it’s important to note that the company reserves the right to deny coverage for any known or unknown pre-existing condition. This is an important consideration for homeowners who don’t quite know what they’re getting into when they buy an existing home.
Best for Unlimited Coverage for Systems Repairs: American Home Shield
- Over 50 years in business
- Unlimited coverage for covered system repairs
- Covers items with no maintenance records
- Covers breakdowns of appliances that haven't been properly maintained
- Free removal of items that need replacement
- More expensive than other plans
American Home Shield has been in business since 1971. In 1989, the company was acquired by Service Master, a 100-year-old company and one of the best-known and most experienced companies in the home service category. So when it comes to experience and street cred, American Home Shield lands at the top of our list.
The company also stands out for having fewer exclusions than other home warranty companies and for placing no limits on system coverage. Appliances that have been neglected are still eligible for breakdown coverage. With no limits on systems coverage, an American Home Shield warranty can save you thousands of dollars should your heating system need replacement, for example.
The ShieldSilver plan covers four major systems in your home: heating, cooling, electrical and plumbing. The ShieldGold plan adds in coverage for kitchen and laundry room appliances. The ShieldPlatinum plan includes everything covered in the two less expensive plans and adds in limited roof leak coverage, free HVAC tune-ups and unlimited refilling of A/C refrigerant. It also includes coverage for repairs made necessary by code violations, which are normally excluded by home warranty plans.
Best for Long Workmanship Guarantee: Cinch Home Services
- Exceptional 180-day workmanship guarantee
- Three competitively priced plans to choose from
- Choice of service fees
- Service fees are on the high side
Cinch Home Services presents homeowners with three options – a plan covering only systems, a plan covering only appliances, and a combination plan with pricing that’s very competitive.
The feature that stands out of Cinch’s home warranty is its exceptionally long workmanship guarantee: 180 days. Many home warranty companies only provide a 30-day guarantee, which may result in a customer paying multiple service fees for the same repair. That being said, we note that Cinch’s service fees are rather high, starting at $100. But clients have the flexibility to adjust their deductible.
The company provides limited options for additional coverage, such as pools, spas, septic tanks, well pumps and code violation repairs, However, the company offers another unique feature: when a homeowner needs to make a claim through their homeowner’s insurance policy, Cinch offers to reimburse up to $500 of the insurance deductible for related home system damage.
Other companies we considered
AFC Home Club
AFC Home Club offers home warranty coverage for appliances and systems, with a cap of $1,500 to $2,000 per item. Their policies start at $395 per year and include a 30-day refund policy, with pro-rated options after that period. Customers can choose to work with their own contractors or those in the AFC Home Club network. There is a 30-day waiting period and claims filed before that time have a limited payout of $150.
The company has competitive service fees of $75, $100, and $125, and HVAC tune-ups are exempt from coverage caps. AFC Home Club is a member of the NHSCA and has a B rating from the Better Business Bureau, where it has been accredited since 2009. The company’s website offers a free quote calculator, sample contract, and detailed coverage information for each item.
First American Home Warranty
One of the notable features of First American Home Warranty is their higher coverage limits, which are more favorable compared to other home warranty companies. For example, their coverage limit for kitchen refrigerators is $3,000, which is higher than many other providers. Additionally, the company has affordable service call fees, ranging from $75 to $100, and has a large network of prescreened contractors and technicians to respond to service requests.
Another important aspect of First American Home Warranty is their easy-to-understand contract agreements. The contracts are short and clearly defined, making it easier for potential clients to understand their coverage options. However, it’s important to note that cancellation policies vary based on geographical location, so customers are advised to read the warranty agreements thoroughly before enrolling.
Guide to the Best Home Warranty Companies in Oregon
Comprehensive home warranty plans allow homeowners to save money on unexpected damages from normal wear and tear. However, not all home warranty companies are equal, and it is essential to find the best home warranty company for your needs. Below, we’ll discuss the main things to know before purchasing a home warranty in Oregon, what is covered, the cost of a home warranty, and who regulates home warranty companies in Oregon. We’ll also explain how home warranties work, and answer some FAQs.
Main things to know before purchasing a home warranty in Oregon
Know what is covered. Before purchasing a home warranty, it is essential to know what is covered, as well as the home warranty coverage options available. Some home warranty companies cover appliances only, while others cover both appliances and home systems. It is also important to distinguish between a home warranty vs. home insurance.
Read the fine print. Before signing a contract, make sure to read the fine print and understand what is covered, what is not covered, and what the service call fee is.
Get multiple quotes. Shop around and get multiple quotes from different home warranty companies in Oregon to ensure that you are getting the best deal.
What does a home warranty company in Oregon cover?
Home warranty companies in Oregon typically cover the repair or replacement of home appliances, such as refrigerators, dishwashers, washers, dryers and ovens, as well as home systems, such as heating and air conditioning, plumbing and electrical systems. Coverage options vary between home warranty providers, so it’s essential to understand what is covered by each company before making a purchase.
Items usually covered by home warranties:
- Water heaters
- Cooktops
- Garbage disposals
- Air conditioners
- Built-in microwave ovens
- Garage door openers
- Heating systems
- Plumbing systems
- Exhaust fans
- Water dispensers
- Trash compactors
How much does a home warranty cost in Oregon?
The cost of a home warranty in Oregon varies between home warranty companies and the coverage options selected. The average cost of a home warranty in Oregon ranges from $300 to $800 per year, but some companies may charge more or less. Service call fees, which are typically around $75 to $125, may also apply when a homeowner requests a repair.
Who regulates home warranty companies in Oregon?
Home warranty companies in Oregon are regulated by the Oregon Division of Financial Regulation. The division oversees and regulates the practices of home warranty companies, including their sales practices and financial stability.
How does a home warranty work?
When a homeowner in Oregon experiences a problem with an appliance or home system, they contact their home warranty company. The home warranty company then dispatches a service provider to assess the issue and perform the necessary repairs. If the repair is covered by the homeowner’s home warranty plan, the home warranty company pays for the repair, and the homeowner pays only the service call fee.
Home Warranties FAQs
What is the waiting period for a home warranty in Oregon?
How much is the service fee for a home warranty in Oregon?
When is the best time to buy a home warranty in Oregon?
Why is a home warranty necessary in Oregon?
How We Chose the Best Home Warranty Companies in Oregon
When choosing the best home warranty companies in Oregon, we considered several factors to ensure that we were presenting the most comprehensive and accurate information to homeowners. Firstly, we evaluated the range of services and appliances each company covered, including both standard and optional coverage. Secondly, we looked at pricing, including service call fees, deductibles and the cost of add-on coverage options.
We also considered the reputation and reliability of each company, taking into account customer reviews, the length of time the company has been in business and the financial stability of the company. Additionally, we looked at the availability of service providers, the ease of filing a claim and the responsiveness of customer service.
