Best Home Warranty Companies in Oregon

While almost every homeowner invests in a homeowners insurance policy, these policies are limited in the amount of coverage they provide for your systems and appliances. In fact, homeowners insurance won’t cover any breakdowns that are caused by normal wear and tear.

A home warranty in Oregon can help fill this coverage gap. Home warranty companies help you repair damage to your home’s systems and appliances in exchange for a monthly or annual premium and a small service fee. Our guide to the best home warranty companies in Oregon will help you choose the right policy for your property.

Oregon’s top 5 home warranty companies

Top home maintenance problems in Oregon

Home warranties can help cover the most expensive repairs your home will face. Keep reading to learn about some of those repairs.

• Roofing leaks: Oregon sees an average of 40 inches of rainfall each year. These heavy showers can cause roof leaks if your roof is old or poorly maintained. However, you can get optional coverage for this hazard through most home warranty companies.
• Heating system breakdowns: Your heating system undergoes extra stress during Oregon’s harsh winters. A home warranty can help you repair your system more affordably if it breaks down from that stress.
• Water heater damage: Most homes in Oregon have their hot water heaters installed in the basement. This leaves them vulnerable to damage from pooling water after a flood or heavy shower. Home warranty system coverage can help get your water heater up and running again. 

1. American Home Shield 

American Home Shield is one of the oldest home warranty companies in the country with almost 50 years of experience offering policies. The company is highly respected in the industry and currently holds a B rating and an accreditation from the Better Business Bureau.

Clients can choose from one of three American Home Shield policies. The company’s Appliances Plan covers 10 appliances, including a refrigerator, trash compactor, and dishwasher. The Systems Plan covers 12 major home systems, including your smoke detectors and electrical system. American Home Shield’s most comprehensive option is its Combo Plan, which includes all covered items in both the Appliances and Systems Plans.

Here’s what you can expect to pay per month when you choose American Home Shield:

• Appliances Plan: $49.99 per month
• Systems Plan: $49.99 per month
• Combo Plan: $59.99 per month
• Service fee: $75-$125 per call

Note: You get to choose your own service fee, but if you choose a lower fee, you’ll raise your premium.

Get a free quote from American Home Shield by filling out this online form or calling 888-365-2839.

2. Choice Home Warranty

Another home warranty company with over a decade of experience, Choice Home Warranty is best known for its generous money-back and workmanship guarantees. Parts and repairs are guaranteed for 90 days after your service call, and if you’re not satisfied with your policy, you can receive a full refund if you cancel within 30 days of your purchase.

Choice Home Warranty offers two plan options, both of which feature a mix of system and appliance coverage. Choice’s Basic Plan includes coverage for 14 home components, ranging from a heating system to a whirlpool bathtub. The Total Plan includes everything covered in the Basic Plan plus four additional home components.

Here’s what you can expect to pay for your plan from Choice Home Warranty:

• Basic Plan: $36.17 per month
• Total Plan: $43.85 per month
• Service fee: $85 per call

Get a free quote from Choice Home Warranty by filling out this online form or calling 929-400-6164. 

3. Select Home Warranty

Select Home Warranty is best known for its affordability. All of the Select Home Warranty plans are available for less than $40 per month with service fees costing $75 each time you make a request. 

Select Home Warranty offers three plans. Its Bronze Care plan covers eight home appliances, like your dishwasher and stove, while the Gold Care plan covers six home systems, including your heating and plumbing systems. Select’s Platinum Care plan includes all covered systems and appliances in the previous two plans plus a few additional items.

Take a look at how much Select Home Warranty costs:

• Bronze Care: $35.83 per month
• Gold Care: $35.83 per month
• Platinum Care: $37.50 per month
• Service fee: $75 per call

Get a free quote from Select Home Warranty by filling out this online form or calling 888-370-3953.

4. First American Home Warranty

First American Home Warranty is another veteran in the home warranty industry with about 35 years of experience. The company’s most unique feature is its First Class Upgrade, which covers installation and removal fees, building permits, and more.

You can choose from one of two policy options. The company’s Basic Plan includes coverage for nine home appliances, like your built-in microwave and washer-dryer set, while the Premier Plan covers a mix of 16 appliances and systems.

Take a look at these pricing estimates from First American Home Warranty:

• Basic Plan: $28 per month
• Premier Plan: $42.50 per month
• Service fee: $75 per call

Get a free quote from First American Home Warranty by filling out this online form or calling 833-204-7164. 

5. America’s First Choice Home Club

America’s First Choice (AFC) Home Club is best known for its choose-your-own technician policy. While most home warranty companies assign a technician to your repair when you file a claim, AFC Home Club allows you to pick a contractor you know and trust.

AFC Home Club offers the widest range of coverage with four available plans. The Systems Plan includes coverage for six home systems, while the Silver Plan covers nine home appliances. You can combine both sets of coverage by choosing the company’s Gold Plan. If you’re looking for the most comprehensive coverage possible, consider AFC’s Platinum Plan, which includes everything in the Gold Plan plus a few additional components.

Here are monthly prices for AFC Home Club:

• Systems Plan: $43.18 per month
• Silver Plan: $43.18 per month
• Gold Plan: $52.27 per month
• Platinum Plan: $59.09 per month
• Service fee: $75-$125 per call

Note: Like American Home Shield, AFC Home Club allows you to select your own service fee.

Get a free quote from AFC Home Club by filling out this online form or calling 877-755-1115.

Oregon home warranty buying guide

In addition to comparing customer service and cost when looking at home warranty providers, you’ll also want to consider the following:

• Plumbing system vs. plumbing stoppages: Most homeowners assume every plumbing issue is covered when they choose plumbing system coverage. However, that isn’t always the case because most home warranty companies consider plumbing stoppages to be a separate repair. If you’re concerned about plumbing backups, be sure to choose a plan that covers plumbing stoppages as well as your overall system.
• Add-on coverage: Every company offers at least a handful of add-on options that allow you to extend your coverage to more areas of your home. These add-ons vary from company to company, but common ones include, roof leaks, septic systems, additional refrigeration, and pools. If you want coverage for every area of your home, be sure to look for a company with a lot of add-ons.
• Policy transparency: You want a home warranty that’s easy to understand. Be wary of any home warranty company that makes it difficult to find information on exclusions and fees.

Our conclusion

We recommended American Home Shield, Choice Home Warranty, Select Home Warranty, First American Home Warranty, and AFC Home Club for home warranty coverage because of their comprehensive coverage, affordable cost, and strong customer service. Since pricing and availability will vary from location to location, we recommend getting quotes from at least three of these companies to see what a policy would look like for you specifically.

Frequently asked questions about Oregon home warranties

What is a service fee?

A service fee is what you pay the contractor that is sent to your home for a repair. You pay this in addition to your monthly or annual premium, and it usually falls between $75 and $125, depending on the company.

Do home warranties cover accidents, like fire and theft?

No. These types of accidents are covered by your homeowners insurance policy. Home warranties only cover breakdowns to your systems and appliances caused by everyday use.

What is the cheapest home warranty in Oregon?

According to our research, Select Home Warranty provides the most affordable policies with coverage available for less than $40 a month.