By Dan Simms
Updated Jan 10, 2023
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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.
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House Method’s Experts collected and analyzed 2000+ critical data points to identify what makes a great home warranty company in the eye of the consumer. Our reviews team used this data to assess over 60 home warranty providers for coverage extent, annual cost, and national availability to provide unbiased reviews so homeowners can confidently navigate key decisions about their homes.
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.
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:
Choice Home Warranty offers a few add-on services that provide some minor coverage customization options:
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 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.
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:
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:
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 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.
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:
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:
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 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.
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:
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.
For more information on this company and its coverage options, you can check out our complete The Home Service Club review.
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.
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:
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:
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.
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.
|Home Over 5,000 sq ft||$1,203.33|
|Home Over 5,000 sq ft||$652.74|
|Home Warranty Company||Choice Home Warranty||Select Home Warranty||American Home Shield||The Home Service Club||Liberty Home Guard|
|Best For||Best Overall||Most Cost-Effective Plans||Best Customization Options||Fastest Service||Most Trustworthy|
|Average Cost||$50 per month||$60 per month||$45 per month||$56 per month||$70 per month|
|Annual Limit||$3,000||$2,000||$3,000 to unlimited||$350-$2,000||$2,000-$2,500|
|Average Response Time||Up to 48 hours||Up to 48 hours||Up to 48 hours||Within 24 hours||Within 24 hours|
|State Availability||49 States||46 States||49 States||50 States||48 States|
|Online Chat / Mobile App||No||No||No||No||Online Chat|
|Quote||Get Quote||Get Quote||Get Quote||Get Quote||Get Quote|
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.
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.
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.
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 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.
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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:
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.
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.
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.
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.
The best home warranty company in Oregon is Choice Home Warranty. Choice has experience in the industry, great customer service, and fair pricing. Most Oregon homeowners find that the repair quality and the time they wait for the repair are satisfactory. If your home is older and the appliance and systems are dated, Choice Home Warranty will still allow you to purchase a policy.
A service fee is sometimes called a deductible in a home warranty plan. The service fee is paid each time there is a system or appliance break at home. Service fees are typically the only expense that an Oregon homeowner will pay when something breaks in their home. Service Fees range in price from $60 to $150.
Many home warranties cover roof leaks and finding one that does is as simple as looking through a provider’s service contract. You can check the specific warranty plan for roof coverage, or you can look to see if roof leaks are an add-on option.
Any homeowner can benefit from and save money with a home warranty. Homeowners who live in houses that are 40 years old or more are likely to benefit most. First-time homebuyers can get much-needed peace of mind with a home warranty after buying a new home. Home warranties for landlords can also be a great option to minimize repair costs on real estate rentals and keep tenants happy.
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:
Additional Home Warranty Resources