Best Home Warranty Companies in Oregon (2022)

Although some parts of the year can be a bit rainy in Oregon, many people are surprised to find how mild the temperatures are all year. Homeowners that like to hike and enjoy a beautiful coastline will love everything that comes with Oregon homeownership. The only downside is that issues will still come up related to systems and appliances in the home. 

Homeowners in any part of the country can save money with a home warranty, but these protection plans tend to be a bit more valuable in Oregon than in many other states. Oregon residents experience high humidity most of the year, which can contribute to issues with heating and cooling systems and refrigerators. The state is also one of the rainiest in the nation, meaning roof leaks are a significant issue. We consider these local factors and more when determining the best home warranty companies in your area.

Oregon’s Best Home Warranty Companies in 2022

• Choice Home Warranty: Best Overall

• Select Home Warranty: Most Cost-Effective

• American Home Shield: Best Customizable Plans

• The Home Service Club: Fastest Service

• Liberty Home Guard: Most Trustworthy

Quick Comparison of Home Warranty Providers

Choice Home Warranty

• Our Take: Best Overall

• Average Annual Cost: $504-$639.96

• Response Time: Up to 48 hours

Choice Home Warranty is the best overall home warranty in the state of Oregon. Choice Home Warranty has been on the market for more than 13 years and is considered one of the most trusted warranties in the industry. Choice Home Warranty has excellent customer service, simple plans, and a good range of coverage options. One of the best things about the Choice Home Warranty policy is that the service contract is very straightforward. The contract has very little fine print, and you will always know which parts of your Oregon home are covered.

Pros and Cons

✓ Affordable

✓ Great customer service

✓ Plans and contracts are easy to understand

✓ All plans include appliances and home systems

X Not the best customization options

Plans and Pricing

Unlike most home warranty plans that offer three or more policies to choose from, Choice keeps things simple with just two. The two plans are comprehensive plans that have systems and appliances included under each. Many companies charge a premium for a policy like this, so the fair pricing of Choice is a welcome reprieve. Choice Home Warranty has several add-on coverages to help homeowners that have swimming pools or central vacuum. Choice provides coverage caps reaching up to around $2,500, and the service fee is average at $85.

Here’s a detailed look at Choice Home Warranty’s coverage: 

• Basic Plan ($42/month): The Basic Plan from Choice is somewhat unique in that it offers appliance and home system coverage. You’ll get protection for your heating, plumbing, and electrical system, and that includes your water heater and HVAC ductwork. It also covers many appliances, including dishwashers, ovens, cooktop exhaust fans, and garbage disposals. There are some additional coverages, including ceiling fans and garage door openers.

• Total Plan ($53.33/month): The Total plan provides far more value for only slightly more money per month. It covers everything listed in the Basic Plan, but it also protects your refrigerator, washing machine, and clothes dryer.

Coverage

Choice Home Warranty offers a few add-on services that provide some minor coverage customization options:

• Central vacuum
• Limited roof leak
• Septic system (doesn’t include pumping)
• Septic tank pumping
• Sump pump
• Well pump
• Pool/Spa (jets and liners aren’t included)
• Second refrigerator
• Stand-alone freezer

To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.  

For more information, read our Choice Home Warranty Review.

Select Home Warranty

• Our Take: Most Cost-Effective

• Average Annual Cost: $624-$684

• Response Time: Up to 48 hours

Select Home Warranty is the most cost-effective home warranty plan for Oregon homeowners. There is no question that homeownership is expensive. The pricing of the home warranty plans that you purchase is going to impact your monthly budget. Select Home Warranty wants to ensure that you get the most value from your policy. With every Select Home Warranty plan, you will get free roof leak coverage for your home. In addition, the Select Home Warranty has been on the market for close to ten years, making them a very reliable company. One of the best features of the Select Home Warranty is its impressive workmanship and contractor quality.

Pros and Cons

✓ Every plan includes roof leaks

✓ Very affordable options

✓ Wide range of coverage available

✓ Year of experience and success

X Coverage caps are lower than other companies

Plans and Pricing

There are three Select Home Warranty plans to choose from. You will notice that the systems and appliances plans are the same prices, and then there is a combo plan. The combo plan known as Platinum Care is by far the most popular choice from Select Home Warranty. This option only costs a few dollars more per month, but it combines all of the coverages of the appliance and systems plans into one. The maximum coverage cap from this company is $2,000, which is lower than most competitors. The service fee is well below average at just $60 per service call.

Here’s a detailed look at Select Home Warranty’s coverage: 

• Bronze Plan ($52/month): The Bronze Plan covers appliances only, so it’s not ideal if you want systems coverage as well. This plan protects your refrigerator, microwave, washer, dryer, cooktop, oven, and garbage disposal from damage.

• Gold Plan ($52/month): The Gold Plan is Select Home Warranty’s systems-only plan, so it includes things like your plumbing and electrical system rather than your appliances. You’ll get coverage for the two systems mentioned above, plus your heating and air conditioning systems, your HVAC ductwork, and your water heaters.

• Platinum Plan ($57/month): The Platinum Plan is the best and most thorough coverage option from Select Home Warranty. It includes everything in the Bronze and Gold plans, and it’s only a few more dollars per month than the other options. This plan also provides coverage for ceiling fans, garage door openers, and plumbing blockages.

Coverage

If the plans above don’t include everything you want covered, you can choose to add the below optional coverages to any of the plans:

• Pool
• Spa
• Septic system
• Well pump
• Sump pump
• Lawn sprinkler system
• Roof leaks
• Central vacuum
• Stand-alone freezer

Select Home Warranty will give you a free quote after filling out this form or calling 888-370-3953.

Read our Select Home Warranty review to learn more.

American Home Shield

• Our Take: Best Customizable Plans

• Average Annual Cost: $419.88-$779.88

• Response Time: Up to 48 hours

American Home Shield is the most customizable plan in Oregon. No two Oregon homes are created equal, and the American Home Shield plan can help to ensure that your coverage meets the specific needs of your Oregon home. AHS has been on the market for more than 50 years. This is a long time to spend in the industry. Homeowners across the nation consider the American Home Shield plan to be the best comprehensive home warranty in the industry for premium coverage.

Pros and Cons

✓ Long company history

✓ Lots of customization options

✓ Unique coverage options

✓ High payout rates

X Slightly more expensive than competitors

Plans and Pricing

American Home Shield offers three policies to choose from. The first is a systems plan, and the other two are combination plans with systems and appliances. If you want true peace of mind about your Oregon property, the combination plan is the best choice to consider. The American Home Shield policies are not the cheapest on the market, but they offer very reliable and premium coverage. The add-on options are also good to consider when you are building out and customizing your plan. The coverage caps can be unlimited for some items — like HVAC system coverage — and go up to around $3,000 for others. The service fee is customizable, so you could pay between $75 and $150 per service call.

Here’s a detailed look at American Home Shield’s coverage: 

• ShieldSilver ($39.99/month): The ShieldSilver Plan only covers systems. It includes coverage for major home systems, like your plumbing, electrical, and heating equipment. It also covers your water heater, HVAC ductwork, and air conditioning system, plus smoke alarms and garage door openers. This is one of the most affordable system-only plans available in Oregon.

• ShieldGold ($49.99/month): The ShieldGold Plan includes everything covered in the ShieldSilver Plan. For an additional $10 per month, you also get protection for your refrigerator, microwave, dishwasher, oven, range, water dispensers, washers, clothes dryers, and garbage disposals.

• ShieldPlatinum ($64.99/month): The ShieldPlatinum plan offers the widest range of coverage and adds some perks to the other plans. It covers everything in the Silver and Gold plans, but it comes with lower service call fees and higher coverage caps for total protection. It also includes a free AC tune-up every year, roof leak repair — which is great to have in Oregon — coverage for permits and code violations, and more.

Coverage

American Home Shield’s plans are quite thorough, but if you find yourself in need of additional coverage, you can choose from the below add-ons offered by the company:

• Electronic extended warranty
• Pool and spas
• Well pump
• Septic pump
• Guest unit
• PC and TV

To get a free quote from American Home Shield, you can fill out this form or call 888-365-2839. 

To read more, visit our American Home Shield review.

The Home Service Club

• Our Take: Fastest Service

• Average Annual Cost: $600-$756

• Response Time: Within 24 hours

The Home Service Club is best-known in the industry for having rapid response times to service calls and almost immediate coverage after signing up. Most companies have a 90-day waiting period before coverage begins, but The Home Service Club provides coverage after just ten days. The company has been around since 2008, so it has quite a lot of experience serving customers, and it has maintained generally positive reviews during that time. The Home Service Club has a great range of coverage in its plans and add-on options.

Pros and Cons

✓ Only 10 days before coverage kicks in

✓ Rapid response time to service calls

✓ Wide range of coverage offered

✓ Many years of experience

X A bit expensive

Plans and Pricing

The Home Service Club has two plans, one for standard coverage and another for comprehensive coverage. Both include home systems and appliances, which is relatively uncommon in the industry. The Home Service Club has great coverage caps in line with the industry standard, which is around $2,500. The service fee is customizable, so you can pay anywhere between $65 and $125 for each claim you file.

Here’s a detailed look at The Home Service Club’s coverage:

• Standard Coverage Plan ($50/month): The Standard Plan covers some appliances and home systems, so even as a basic plan, it provides excellent peace of mind. It includes protection for your electrical, heating, and plumbing systems, plus air conditioners, plumbing leaks, and water heaters. Other covered items include refrigerators, garbage disposals, ranges, ovens, dishwashers, microwaves, washers, dryers, and trash compactors.

• Comprehensive Coverage Plan ($63/month): The Comprehensive Plan from The Home Service Club, as the name implies, is more thorough in what it covers. It’s not too much more expensive than the Basic Plan, but it adds coverage for pest control, doorbells, garbage disposals, sump pumps, gas leaks, plumbing stoppages, ceiling fans, and more.

Coverage

The Home Service Club provides a wide range of coverage in its preset plans, but it also allows for some coverage customization with its optional add-on coverages.

• Utility line coverage package (includes coverage for sewer lines, outside water lines, gas lines, electric lines, sprinkler systems, and more)
• Sprinkler systems
• Well pump
• Sewer ejector pump
• Water softeners
• Pools and spas
• Pool and spa equipment
• Spa heater
• Built-in refrigerators
• Stand-alone freezers
• Roof damage
• Jetted bathtub
• And more

When you’re ready to get a free quote from The Home Service Club, you can fill out this form or call HSC at 800-842-9334.

For more information on this company and its coverage options, you can check out our complete The Home Service Club review.

Liberty Home Guard

• Our Take: Most Trustworthy

• Average Annual Cost: $779.88-$899.88

• Response Time: Within 24 hours

Liberty Home Guard is the most trustworthy home warranty in the state of Oregon. After just two years in the home warranty industry, Liberty Home Guard has managed to earn an A rating with the BBB. The A rating only happens with reliable service, very few complaints, and positive customer reviews. Many Liberty Home Guard customers were impressed with the speed and quality of service they received. Having a home warranty in place is essential, but it is just as crucial for the company to follow through when needed.

Pros and Cons

✓ Above-average BBB rating

✓ 60-day workmanship guarantee included

✓ Great customer service

✓ Makes the claims process a breeze

X More expensive than other companies

Plans and Pricing

Liberty Home Guard has three plans to choose from. The plan options are very similar to Select Home Warranty; however, they are priced a bit higher. The coverage caps and the vast coverage options tend to increase the price of the Liberty Home Guard warranty. If your home has some unique features like a saltwater pool or gutters, the Liberty Home Guard has many add-on coverage options to help you stay away from these expenses as well. The company has somewhat low coverage caps averaging around $1,500. The service fee is set at $75 with no option to customize.

Here’s a detailed look at Liberty Home Guard’s coverage: 

• Appliance Guard ($64.99/month): Appliance Guard is LHG’s appliance coverage package, which includes most major home appliances. You’ll get coverage for your refrigerator, microwave, dishwasher, oven, cooktop exhaust fan, garbage disposal, ice maker, washer, dryer, ceiling fans, and garage door openers.

• Systems Guard ($69.99/month): The Systems Guard plan is the better option for customers who want coverage for home systems but don’t need their appliances protected. It covers electrical, plumbing, and heating systems, air conditioners, HVAC ductwork, toilets, water heaters, and bathroom exhaust fans.

• Total Home Guard ($74.99/month): The Total Home Guard plan is your best bet if you’re looking for comprehensive coverage. It includes everything from the Appliance Guard and the Systems Guard plan, and it’s only slightly more expensive than either of the other plans per month.

Coverage

Liberty Home Guard is one of your best options if you’re looking for plan customization. It includes over 25 add-on coverages you can choose to get exactly the plan you want, including:

• Pool and spa
• Additional spa
• Saltwater pool
• Gutter cleaning
• Floor/carpet cleaning
• Sump pump
• Fixtures
• Water softener
• Trash compactor
• Lawn sprinkler system
• Electronics protection
• Swamp cooler
• Ejector pump
• Septic system pumping
• Limited roof leak
• Pest control
• Locksmith
• Free-standing ice maker
• Central vacuum
• Stand-alone freezer
• Re-key
• Second refrigerator
• Wine refrigerator
• Well pump
• TV and PC
• Generator
• Water dispenser 

To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. 

To learn more information, visit our Liberty Home Guard review.

Home Warranties in Oregon Cities

How Much Does a Home Warranty in Oregon Cost?

The average Oregon home warranty cost will be anywhere from $35 to $75 a month, or an average of around $710 per year. The pricing is going to depend on the plan you choose and the coverage offered under this plan. Higher-priced plans tend to have long lists of coverage and lower service fees. The average service fee is $85, but it can range from $60 to $150.

Compare the Best Home Warranty Companies in Oregon

Final Thoughts

We hope you are now able to choose a home warranty for your Oregon home with ease. The five options that we gave you have some impressive benefits and offer homeowners improved peace of mind. The Choice Home Warranty stands out as the best overall choice for Oregon homeowners. The fair pricing, excellent coverage, and simple contracts make Choice Home Warranty one of the best options on the market. If you are ready to get your home warranty started today, don’t hesitate to contact Choice; they will make things simple and easy. 

How to Choose the Best Home Warranty in Oregon

Now that we have things narrowed down to the top five plans on the market, it’s time to break things down further and figure out the best option of all. There are lots of ways for you to analyze and compare these companies. However, three of the most important are the plan choices, optional coverages, and service fees.

• Plan Choices: Most home warranty companies have between two and four plans to choose from. The companies with two plans offer more basic options, but they may also be more comprehensive (like Choice Home Warranty). If you decide between a systems or appliances plan, make sure you consider adding a few extras to the policy. 
• Optional Coverages: For homeowners with pools or second refrigerators, optional coverages are pretty important. Some companies have minimal optional coverages, and others have a long list of options. In Oregon, it can make sense to choose something with roof leak coverage.  
• Service Fees: The service fee is the price you pay anytime you need to repair or replace one of your covered items. The service fees associated with policies will range in price from $60 to $150, depending on the plan you choose.

If you’re considering a home warranty, the above considerations are crucial ones to make regardless of where you live. There are also some coverage options you’ll likely want to look for, in particular, if you live in Oregon.

First, Oregon is well known for excessive rainfall, and residents experience well above the national average for annual precipitation, up to 200 inches of rain in some areas and close to 45 or 50 inches in areas like Portland. The constant barrage of rainfall on your home naturally makes roof leaks more of a likelihood, so many Oregon homeowners make sure to choose a home protection plan that includes coverage for roof leaking.

Oregon residents also experience high levels of humidity in the winter, spring, and fall months. High humidity can put added strain on your heating and cooling system, as well as your refrigerators and freezers. As such, it’s wise to get a plan that covers these items and has high coverage caps.

Finally, much of the year in Oregon is rather cold, which means your heating equipment will be under constant stress except during the summer. Heating system coverage is a great option for OR residents for this reason and is likely to make your investment into a home warranty a more worthwhile one.

What is a Home Warranty?

A home warranty is a protection plan for your appliances and major systems. It acts somewhat similarly to homeowners insurance in that it provides coverage and financial assistance when you experience some issue in your home. Rather than paying out of pocket for the necessary repair or replacement costs, you file a claim with your home warranty service provider.

Home warranties require an annual fee for enrollment, and they also come with a service fee per claim you file. The average service fee is around $85, but this is well below what you’d typically pay for the actual repair. Home warranties also have coverage caps, which are limitations on the maximum payout for each covered item.

Home Warranty vs. Homeowners Insurance

Home warranties and homeowners insurance are somewhat similar because they provide protection for things in your home. However, there are some important distinctions to make between the two.

First, homeowners insurance is a general policy that is meant to protect your entire home. A home warranty instead protects individual components of your home or individual appliances. This distinction might seem unimportant, but it changes the way payouts are made and brings us to our second difference.

Since homeowners insurance covers your entire home, it only tends to provide a payout when your home suffers major damage. In most cases, it only kicks in if there is a fire or a natural disaster, like a tree falling on the roof or an earthquake. Since home warranties cover components of your home, you can get a payout for a much smaller issue. For example, a home warranty will often provide coverage if your refrigerator stops working because of old age or if you experience a heating system breakdown in the middle of winter from normal wear.

Finally, the amount you pay out of pocket is a major difference between the two. Home warranties require that you pay a service fee of between $60 and $150, or an average of $85. You might be responsible for charges above your service cap, but most of the time, you won’t be. A home insurance policy requires a much larger deductible, often totaling thousands of dollars before the insurance coverage kicks in.

How Does a Home Warranty in Oregon Work?

Before you can file a claim with your home warranty provider, you first need to purchase home warranty protection. You can do this by choosing a provider, choosing a plan from that provider, and paying for the plan. In most cases, you’ll have to wait 90 days or so for the coverage to begin after paying for the protection plan.

Once you’re fully covered, you can follow the below steps to file a claim:

• Find a problem in your home with an appliance or home system that is covered by your home warranty plan
• Request service by reporting the issue on your provider’s website or mobile app, or call the company’s claims hotline to report the problem
• Your provider will hire a service technician to come out to fix the issue
• Once the service tech is done repairing or replacing your appliance or home system, you pay the service fee, and the issue is solved

What does a Home Warranty Cover?

Home warranty coverage depends on many factors, so there’s no way to say with confidence what yours will include. The only way to be sure is to check your service contract, as the company, plan, and add-on options you choose will all affect what is included in your protection plan.

Most warranty plans cover appliances, home systems, or both. The basic plans tend to cover one or the other, and the more costly options are usually comprehensive. Common appliance coverage includes refrigerators, ovens, cooktops, microwaves, dishwashers, washers, dryers, and more. Common home system coverage plans protect plumbing, electrical, and heating systems, plus air conditioners, water heaters, and more.

You can also typically customize your plan a bit with add-on coverage options. Some normal add-on options to see are pool and spa coverage, sump pumps, septic systems, and more.

What is Not Covered by a Home Warranty?

All home warranties will also have their own exclusions, and no two warranties are identical. Some exclude pieces of certain systems or issues related to appliances. A good example is a plan that covers plumbing but not plumbing stoppages.

However, most plans have standard exclusions, like cosmetic repairs, damage done intentionally, damage caused by neglect or lack of maintenance, and pre-existing conditions in your home.

Biggest Complaints about Home Warranty Companies in Oregon

Home warranties are usually looked on favorably by homeowners because they tend to save them money and reduce headaches associated with unexpected home repairs and maintenance charges. However, there are some common complaints that pop up in customer reviews in Oregon.

One of the most common things we see is that the coverage provided doesn’t seem to match what is promised. In many cases, this is due to stipulations or limitations in the service contract. An example is if you have coverage for your AC system but you have a refrigerant leak, that specific issue might not be included in the AC system protection. It’s imperative that you read your service contract carefully to be sure of exactly what is and isn’t covered.

Another issue we see often is that the turnaround time between filing a claim is too long to wait in some cases. Many home warranty companies can take up to two days to get a technician to your home. If you’re waiting on heat in the middle of winter, that might be too long for you to be willing to wait. If you’re looking for coverage for emergency issues, a company that has a 24-hour turnaround time is your best option.

Are home warranties worth it?

A home warranty is usually well worth the money that you will pay. The pricing of a home warranty will quickly be justified as soon as you have a few expensive repairs.

Remember that certain parts for an HVAC or water heater could cost hundreds of dollars; this does not even include the labor. Similarly, a call to a plumber or electrician averages around $300, and a fridge replacement can top $2,500 easily. Rather than paying these amounts out of pocket, a home warranty requires that you pay just the $85 service fee in most cases, saving you hundreds or thousands of dollars for each claim you make.

For many homeowners, having the peace of mind that you’re covered in the case of an emergency is worth the cost of a home warranty alone. Being confident that you’ll avoid unexpected costs for home repair and maintenance can help you budget and save more effectively.

House Method Home Warranty Ranking Methodology

At House Method, transparency and trust are our most important values for the reader. We’ve done the homework for you and have researched over 50 home warranty companies so you can have the information you need to make the best choice for your home. 

Our team spent hours on the phone speaking to representatives from each home warranty company to get information right from the source. We also dug into the fine print on each company’s service agreement to ensure no detail was left out.

To make the most of our research, we developed an objective rating system to score each home warranty company based on the following criteria:

• Plans: Do they provide a variety of plan options? We looked at the number of plans each company offered and the flexibility of adjusting the plan.
• Prices: How reasonable are the monthly and service fees compared to the industry average? We compared the costs of each company to competitors.
• Coverage: How many items are covered in each plan? We looked at the number of items each company covers. We dig into all service contracts available to get all the details.
• Customer service: How is the customer experience when calling the providers? Based on our phone calls, we judged each company’s customer service.
• Trust: What do customers rate the company? We looked into what customers are saying about their experience with the company.
• Nationwide availability: How many states does the company cover? We found the number of states covered by each company.
• Unique perks: Does the company offer discounts or cover special items? We looked for perks offered by each company that set them apart from the competition.