Best Home Warranty Companies In Oregon 2024

Our Picks: 5 Best Home Warranty Companies For Oregon Residents

Are you facing the overwhelming task of choosing a home warranty in Oregon? We've compared the coverage, plans, and customer service of the top 5 home warranty companies, making it easier to find the perfect fit for your Oregon home and budget.

Highly Rated By Customers

4.7 |

Excellent

$150 Off + 2 Months Free

Monthly Cost

$45 - $60

Service Fee

$70

Response Time

24 - 48 hours

Pros & Cons

Pros

Provides a 30-day free trial
Has a wide list of 27 add-on options
Provides a 90-day workmanship guarantee

Cons

Charges $150 service fees for elite appliances and weekend visits

Plans, Cost & Coverage

Elite Home Warranty offers different coverage levels to fit your needs. They have a plan for appliances only, a plan for systems only, and a combo plan that covers both. The appliance plan covers eight items, the systems plan covers six, and the complete plan covers everything in the other two.

Plans	Elite Appliances	Elite Systems	Elite Complete
Service Call $70	$43.99	$48.99	$58.99

Elite Appliances

Ensures the safety of your crucial kitchen and laundry appliances, such as the refrigerator and dishwasher
Offers coverage for eight essential home appliances
An affordable choice for stress-free maintenance and repairs of appliances

Elite Systems

Protects seven fundamental systems of your home, including plumbing, heating, and electrical systems
Ideal for homeowners seeking exclusive coverage of home systems

Elite Complete

Merges coverage for both appliances and systems, ensuring maximum security
Suitable for individuals seeking extensive coverage for home systems and appliances within an affordable budget of under $60 per month

Why We Picked It?

Elite Home Warranty is a viable choice for homeowners searching for dependable coverage. Its elevated coverage limits validate its pricing, especially when contrasted with competitors offering substantially lower limits for significant items.

However, it’s noteworthy that Elite’s website imposes restrictions on policy management, which certain individuals may perceive as a downside. Despite this limitation, the breadth of coverage and competitive pricing position Elite as an appealing option for those who value comprehensive protection.

Best For Add-ons

4.7 |

Excellent

Monthly Cost

$50 - $60

Service Fee

$90

Response Time

Up to 48 hours

Pros & Cons

Pros

Offers workmanship guarantee of 60 days
Provides extensive add-on coverage
Offers live chat option

Cons

Charges a cancellation fee of $50 after the first 30 days

Plans, Cost & Coverage

Liberty Home Guard offers three core plans: systems-only, appliances-only, and a comprehensive combination with customizable add-on options. In Oregon, plans are affordable from $49.99 to $59.99, providing a balance of extensive coverage and cost-effectiveness to meet diverse homeowner needs.

	Appliances Guard	Systems Guard	Total Home Guard
Monthly Plan	$49.99/Month	$54.99/Month	$59.99/Month
Annual Plan	$499.99/Annum	$549.99/Annum	$599.99/Annum

Appliance Guard

Covers 9 major appliances like refrigerators, washers, and ovens
Protects against breakdowns from normal wear and tear
Affordable monthly premiums start at $49.99

System Guard

Safeguards 6 essential systems like plumbing, electrical, and HVAC
Ideal for homeowners prioritizing the protection of critical systems
Peace of mind with 24/7 customer service

Total Home Guard

Covers 15 essential home systems and appliances, encompassing all items mentioned in previous plans
Most comprehensive plan for worry-free homeownership
Offers the most value for your monthly investment

Why We Picked It?

Liberty stands out for its flexible plan lengths and extensive optional coverages, offering customers greater customization than other rated companies. Available across all 50 states, Liberty also offers roof leak coverage as an add-on, a feature not universally provided by competitors. However, its service fee tends to be pricier than that of some other companies, a factor to consider when evaluating overall value.

The Industry Leader

4.5 |

Excellent

Monthly Cost

$29 - $89

Service Fee

$100 & $125

Response Time

Up to 48 hours

Pros & Cons

Pros

Flexible service call fee
Covers undetectable pre-existing conditions
Offers generous coverage caps

Cons

Limited additional coverage options

Plans, Cost & Coverage

AHS provides competitive plans starting at $39.99 per month, with ShieldGold and ShieldPlatinum starting at $59.99 and $89.99, respectively. Customers can choose from three service call fee options: $125, $100, and $100, and their plan costs will be determined accordingly.

	ShieldSilver	ShieldGold	ShieldPlatinum
Cost at $125 Service Call Fee	$39.99	$59.99	$89.99
Cost at $100 Service Call Fee	$49.99	$69.99	$99.99

ShieldSilver:

Covers 14 essential systems: heating, cooling, plumbing, electrical
Budget-friendly option: starts at $39.99 per month
No home inspection is required before coverage

ShieldGold:

Expands on ShieldSilver: includes major appliances (dishwasher, oven, etc.)
Ideal for worry-free maintenance: covers 9 additional appliances
Offers flexibility: choose your licensed service provider with AHS approval

ShieldPlatinum:

Most comprehensive coverage: protects everything in ShieldGold, plus extras
Ultimate peace of mind: covers roof leak repairs and guest house breakdowns (add-ons)
Generous coverage limits: protects you from high repair costs

Why We Picked It?

AHS offers three comprehensive coverage plans, giving you the freedom to choose the level of protection that best suits your comfort level. They also provide options for service fees, allowing you to personalize your plan and control costs further. AHS provides generous limits of up to $5,000 for home systems like HVAC systems and $4,000 for appliances, depending on the selected plan.

Best For Added Plumbing Coverage

2.8 |

Good

Monthly Cost

$47 - $87

Service Fee

$75, $100 & $125

Response Time

Up to 48 hours

Pros & Cons

Pros

Generous coverage caps
Flexible Simple service fee model
Home Inspections are not mandatory

Cons

Limited service provider choices

Plans, Cost & Coverage

First American Home Warranty offers three comprehensive plan options: the Starter Plan, Essential Plan, and Premium Plan. The Starter and Essential Plans protect home appliances and systems, each with a $3,500 coverage cap per appliance.

The Premium Plan extends coverage to additional systems and appliances while increasing the appliance limits to $7,000 per appliance, ensuring thorough protection tailored to homeowner needs.

	Starter Plan	Essential Plan	Premium Plan
Service Call of $125	$45	$55	$70
Service Call of $100	$50	$60	$75
Service Call of $75	$60	$70	$85

Starter Plan:

Safeguards 8 vital appliances & systems like dishwasher, refrigerator, electrical systems, and more
Offers a cost-effective option for meeting fundamental coverage needs
Suited for new homeowners or those with recently acquired appliances

Essential Plan:

Encompasses all the features of the Starter Plan and adds four additional items
Provides significant reassurance concerning the essential operations of your residence

Premium Plan:

Provides the most comprehensive coverage currently offered
Encompasses all items from Starter and Essential Plans
Extends coverage to 6 additional items like a pool pump, well pump, and garbage disposal

Why We Picked It?

For homeowners concerned about potential issues in older homes or seeking economical coverage options, First American Home Warranty (FAHW) could be an attractive choice. FAHW’s plans extend beyond mere protection against typical wear and tear.

They also encompass issues arising from improper installation or inadequate maintenance, which are common concerns in aging properties. With various coverage options available, FAHW is well-equipped to tailor a solution to meet your specific needs and financial constraints, ensuring you find the perfect fit.

Best For Affordable Coverage

3.8 |

Excellent

$150 off + Free roof coverage + 2 months free

Monthly Cost

$44 - $47

Service Fee

$60 - $75

Response Time

12 - 48 hours

Pros & Cons

Pros

Roof-leak coverage
Generous HVAC coverage
Annual discounts

Cons

Appliance coverage caps are relatively lower in comparison

Plans, Cost & Coverage

Select Home Warranty presents three main options: Bronze Care, Gold Care, and Platinum Care. A standout feature across all these plans is limited coverage for roof leaks, with a maximum cap set at $400. The annual expenses for these plans range between $479 and $524, and the service fee ranges from $60 to $75 per claim.

Plans	Bronze Care	Gold Care	Platinum Care
Monthly	$44.42	$44.42	$47.75
Yearly	$479.99	$479.99	524.99

Bronze Care:

Budget-friendly coverage for eight essential appliances (fridge, dishwasher, etc.)
Perfect for new homeowners or those with newer appliances
Keeps your wallet happy during unexpected repairs

Gold Care:

Protects your home’s core systems (plumbing, heating, electrical)
Peace of mind knowing seven major systems are covered
Avoids costly repairs that can strain your budget

Platinum Care:

Comprehensive coverage plan encompassing 17 systems and appliances
Best-suited for homeowners looking for comprehensive coverage for less than $50 per month

Why We Picked It?

Select Home Warranty stands out for its unique feature of including roof-leak protection with all its plan options. This additional coverage provides peace of mind for homeowners concerned about potential damages.

While the base plans offer straightforward coverage for home systems and appliances at a competitive price, it’s essential to note that the coverage caps are lower compared to other providers in this industry.

Is Home Warranty Plans Beneficial For Oregon Homeowners?

Home warranty plans can offer several benefits to Oregonians, including:

Oregon's unique geography and weather can make home warranty plans a valuable consideration for homeowners.
Frequent rain can lead to roof leaks, foundation issues, and mold growth, all potentially covered by a warranty plan.
Parts of Oregon are prone to flooding, potentially damaging electrical systems, plumbing, and appliances. Warranty plans with water damage coverage can help.
Oregon's cold winters can strain heating systems and plumbing. Warranties can cover repairs for frozen pipes, burst boilers, and other cold-weather issues.
Strong winds and storms can damage roofs, siding, and electrical systems. Plans with wind damage coverage can offset repair costs.
Power outages, which are more common than in some areas, can damage appliances. Warranties can cover repairs from power surges.
While occasional, some plans offer optional earthquake coverage, which is potentially beneficial depending on location and risk tolerance.
Finding qualified repair technicians can be challenging in rural areas. Warranties often provide access to a network of pre-approved service providers.
Many parts of Oregon have older homes that are more susceptible to breakdowns. Warranties can provide peace of mind and budget predictability for repairs.

How Much Does An Oregon Home Warranty Cost?

Here's a breakdown of the average costs:

Average Annual Cost

$756 - $800

Average Monthly Cost

$63 - $75

Average Service Fee (Deductible)

$75 - $125

In Oregon, the average cost of a home warranty varies depending on:

Volcanic Woes: Oregon's volcanic activity can sometimes impact sewer lines. Consider plans with coverage for repairs or replacements.
Wet Winter Worries: Frequent rain can lead to roof leaks. Explore plans with robust roof leak coverage or the option to add it on.
Coastal Concerns: Homes near the Oregon coast are exposed to salt air, which can corrode electrical wiring and plumbing components. Plans that cover these concerns might be valuable.
Cascade Comfort: Reliable heating is essential in Oregon. Plans with strong HVAC coverage or add-ons for specific components might be beneficial.
Home Size: Larger Oregon homes with more covered systems and appliances will generally cost more under a home warranty.
Age Of Your Abode: Older Oregon homes, especially those with original plumbing or electrical systems, might have a higher perceived risk for the provider, impacting the cost.

Home Warranty Coverage In Oregon

While specific coverage details vary by provider, here’s a general breakdown of what Oregon home warranty plans typically cover and exclude:

General Coverage Of Oregon Home Warranty

Roof Rain Protection Oregon’s frequent rain can lead to roof leaks. Your warranty can cover repairs for roof leaks, protecting your home from potential water damage.
Volcanic Vent Woes Oregon’s volcanic activity can sometimes cause sewer line issues. Plans with coverage for sewer line repairs or replacements can provide valuable protection.
HVAC A reliable heating system is much required in Oregon, especially in the Cascade Mountains. Your warranty can cover repairs for your furnace, heat pump, and ductwork, ensuring year-round comfort.
Plumbing Home warranties offer coverage against leaks, clogs, and malfunctions in pipes, faucets, toilets, and other plumbing fixtures, protecting your home from potential water damage. This is particularly important on the Oregon Coast, where homes may have additional plumbing needs due to proximity to saltwater.
Electrical Home warranty companies cover repairs for wiring, outlets, switches, and breaker panels, ensuring the safety and functionality of your electrical system. This is particularly important in older Oregon homes with potentially outdated electrical systems.
Essential Appliances Get Protection against unexpected breakdowns of essential appliances like washing machines, dryers, refrigerators, ovens, cooktops, dishwashers, and garbage disposals, preventing disruptions to your daily routine.
Optional Some plans cover additional features like roof leaks, well pumps, septic systems, and even pest infestations.

Common Exclusions:

Pre-Existing Conditions Damage existing before the warranty goes into effect is usually excluded.
Cosmetic Issues The plan won’t cover purely cosmetic repairs that don’t affect functionality.
Specific Exclusions Carefully review the contract to understand specific exclusions, such as damage caused by intentional acts, negligence, or lack of maintenance.

Here Are Some Additional Points To Consider

Pre-Existing Conditions Any issues existing before the warranty coverage begins are typically not covered.
Cosmetic Repairs Repairs that solely address the appearance of an appliance or system without impacting functionality are usually excluded.
Acts Of God Damage caused by natural disasters like earthquakes or floods is typically excluded. However, some companies might offer separate coverage for specific events.
Code Violations Repairs required to bring your home’s systems or appliances up to code compliance are typically not covered.

Who regulates Home Warranty Companies In Oregon?

In Oregon, home warranty companies are regulated by the Oregon Department of Consumer and Business Services (DCBS) to protect consumers and ensure fair practices within the industry. The DCBS oversees home warranty contracts to achieve this by:

Ensuring contract clarity The DCBS mandates that home warranty contracts include clear and understandable language regarding coverage inclusions, exclusions, limitations, and other crucial terms.
Verifying contract compliance The department reviews and approves home warranty contracts before companies can offer them to Oregon residents. This ensures contracts adhere to state regulations and consumer protection standards.
Addressing consumer complaints The DCBS provides a platform for Oregon residents to file complaints against home warranty companies. They investigate these complaints and work towards fair resolutions for consumers.

Final Word

Choosing the best home warranty company in Oregon is a personal decision. While factors like coverage, cost, and customer service matter, remember that every company has unique strengths.

Research thoroughly, compare plans from reputable providers, and understand Oregon's specific weather concerns and potential risks. Most importantly, read the contract carefully to grasp coverage details and limitations before committing. Following these general tips, you'll be well-equipped to choose a home warranty plan that aligns with your unique needs and protects your Oregon home.

Frequently Asked Questions (FAQs)

What Are The Most Frequently Reported Appliance Repairs In Oregon?

In Oregon, residents commonly report refrigerator issues related to temperature control, frequent HVAC system repairs due to variable weather, washing machine malfunctions from hard water effects, and dishwasher problems caused by mineral deposits.

Do Home Warranty Companies Provide Workmanship Guarantee?

Certain home warranty companies do provide workmanship guarantee and the industry standard is 30 days. But, it is important to review the contract specifications.

Are Home Warranties Worth It In Oregon?

Without a doubt, investing in a home warranty in Oregon is a wise decision. The state’s varied climate and potential challenges make a home warranty a valuable shield against unexpected repair expenses. Whether it’s addressing HVAC issues, refrigerator malfunctions, or other home system breakdowns, a comprehensive home warranty plan provides homeowners in Oregon with peace of mind and a cost-effective solution for maintaining their homes in top condition.