A home warranty is a way to protect your budget from unexpected large expenses. With a home warranty in place, your repair costs can be remarkably lower and allow you to live in your home with more peace of mind.
Homeownership in Portland can be a satisfying stage in many people's lives, but it also comes with its fair share of worries. Home repairs can be an unexpected financial burden for many homeowners.
Finding the best home warranties on the market can be quite a challenge because of the numerous options out there. If you are overwhelmed by trying to compare the different options, keep reading for our guide to the best home warranty companies in Portland.
Once you're ready to purchase a home warranty policy, the first step is figuring out what items you want coverage for. From there, you can compare plans and call different home warranty companies for a free quote. Plans can vary, so take into consideration the following factors when choosing a home warranty provider:
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in Washington
Choice Home Warranty offers the best overall home warranty in Portland. The 2 plans from Choice are easy to comprehend and offer a mix of both system and appliance coverage. If you're looking for very high coverage caps and simple-to-understand service contracts, this is the plan for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage caps from Choice are around $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Portland area.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. For a more detailed breakdown, read our review of Choice Home Warranty.
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
In Portland, Select Home Warranty offers the most cost-effective home warranty. Select has 3 plans for homeowners to decide between. When you buy a home warranty from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select's service fees are a reasonable $60, and the coverage limits come out to around $2,000 for each covered appliance or system.
To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. To read more, visit our review of Select Home Warranty.
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in Alaska
In Portland, American Home Shield offers the most customizable home warranty. AHS has about 25 years of experience in the home warranty market and in that time has built a a skilled network of service technicians nationwide. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies. The home warranty company offers 3 plans to policyholders with various system and appliance coverage options.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS's plans are close to the $2,500 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. For more information on this provider, read our review of American Home Shield.
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the Better Business Bureau (BBB)
Only 2 plan options
The Home Service Club is the best home warranty with the quickest service in Portland. HSC has been operating for over 14 years, making it a well-respected company in the industry. If you're looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, HSC is the perfect provider for you. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC has 2 simple plans, making the selection process quick and easy.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also around $2,000.
For a more detailed breakdown, read our detailed review of The Home Service Club. To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard is the most trustworthy home warranty for Portland residents. The 3 plans from Liberty are comprehensive and offer both system and appliance coverage. With a home warranty from Liberty, you can benefit from a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard has 3 plans that provide a combination of system and appliance coverage. Liberty has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. Service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. To read more, visit our comprehensive review of Liberty Home Guard.
Established company with a BBB accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
In Portland, First American Home Warranty offers the best home warranty for appliance coverage. When you purchase a home warranty from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified. The home warranty provider offers 2 plans to policyholders that have various system and appliance coverage options.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. The coverage limits from First American are about $1,500. The service fees are a reasonable $85, which is less than other providers in the Portland area.
To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. To read more, visit our thorough review of First American Home Warranty.
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in Hawaii or Alaska
Cinch Home Services offers the home warranty with the best workmanship guarantee for Portland residents. The 3 policies that Cinch has include differing levels of system and appliance coverage, as well as add-on options. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services has 3 plans that provide a combination of appliance and system coverage. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the company. Service fees are customizable and range from $75 to $150.
To read more, visit our comprehensive review of Cinch Home Services. To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505.
Many home warranties cover or have options to cover appliances and other expensive repairs, which can save you significant money over time.
Get a free quote from our #1 recommended provider in Portland
A home warranty is a protection plan that covers home systems and appliances. When your washer or dryer stops working and the repair is several hundred dollars, a home warranty will make sure that you only have to pay a predetermined service fee. Home warranty coverage usually starts without an inspection and generally goes into place about thirty days after purchasing the policy.
When a covered appliance or system needs to be repaired or replaced, you file a claim with your home warranty service provider. Most companies have an online portal system where you can do this. Once you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue. At this point, you will pay your service fee, which is typically between $60 and $150 depending on what plan you have. After the service fee is paid, a service technician will come to your home, assess the issue, and repair it. If the repair is covered by the warranty and the coverage cap is not reached, most homeowners will not have any other out-of-pocket costs apart from the service fee.
A home warranty offers coverage on your home's major appliances and systems and it can help lower the cost of maintaining your home. Appliances covered under a home warranty plan are usually the dishwasher, microwave, dryer, garbage disposal, refrigerator, and more. Systems that are covered usually include electrical systems, heating systems, water heaters, air conditioners, and plumbing systems. Add-on options can vary by provider but often include things such as a central vacuum, sprinkler system, second refrigerator, septic system, and plumbing stoppages.
A home warranty will only help you with repairs and replacements due to normal wear and tear. If you don't take care of your home and maintain them properly, the home warranty will not cover it. Things such as pre-existing conditions, lack of maintenance, misuse, and cosmetic damages are excluded from a home warranty policy.
Portland's cold winters can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty can help cover your home's appliances and systems if they need to be repaired or replaced. For example, if your air conditioner stops working in the middle of July, a home warranty can cover the necessary repairs, preventing you from spending a lot of money out of pocket.
Plus, having a Portland home warranty can make your house more appealing to potential home buyers if you ever decide to sell later. Many home warranty companies will allow you to transfer your plan to a new owner and give them the protection you've been receiving.
One drawback of purchasing a home warranty is that there are usually exclusions. For example, if you already have a manufacturer's warranty on one of your appliances, it may not be included in the home warranty, so it's important to read over the contracts you're considering carefully to get a sense of what is included and what isn't. Another downside is that home warranties may not include some repairs, such as those due to natural disasters. For example, if a tree falls onto your house and damages the roof, the systems and appliances that were affected probably won't be covered by the home warranty.
Although home warranties do have some drawbacks, no matter the season, a home warranty can help lower the inevitable cost of home appliances and system repairs, giving you a little peace of mind.
A home warranty can save you a decent amount of money on home repairs and give you peace of mind as a homeowner in Portland. Choice Home Warranty stands out as the best overall home warranty. With its comprehensive plans, affordable pricing, and a good history in the industry, Choice Home Warranty has a lot to offer.
The top home warranty provider in Portland is Choice Home Warranty. Choice Home Warranty has a large network of experienced contractors and a respected reputation in the Portland area.
A home warranty is a kind of contract that covers the repairs and replacements of major home system components and appliances.
Home buyers, real estate agents, landlords, homeowners, and home sellers are all eligible for home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save homeowners money in the long run.
Most home warranty plans have a 30-day waiting period before you can file claims, but some may let you file sooner so make sure you check with the company about this.
The service fee is the price homeowner pay each time there's a problem with a system or appliance. The service fees are commonly between $60 and $150.
A home warranty in Portland can cost between $40 and $80 a month. The higher-priced plans typically have higher coverage limits, a lower service fee, and more coverage.
