The Best Home Warranty Companies in Oregon of 2023

When the hot summers roll around in Oregon, your air conditioning needs to be in top shape. Investing in a home warranty can protect you from paying for expensive repairs in case of a breakdown.

We at the Guides Home Team have researched the best home warranty companies in the United States based on price, coverage options, reputation and additional benefits. This guide includes our top picks for Oregon homeowners.

Here is our list of reputable providers available in Oregon:

American Home Shield (AHS) is our top recommendation due to its coverage of home items with preexisting conditions, high coverage caps and service call fee flexibility. AHS is the only provider on this list that covers rust, corrosion and sediment damage. It also covers well pump and septic system pumping in its ShieldGold plan, which are add-ons for other providers.

Review American Home Shield's key pros and cons:

+ Includes an annual discount for HVAC tune-up service+ Offers generous coverage cap limits in each plan ($3,000 for ShieldSilver and ShieldGold, $6,000 for ShieldPlatinum)+ Provides coverage for a guest unit as an add-on (up to 750 square feet)– Charges higher monthly premiums than competitors– Guarantees service repairs for only 30 days

American Home Shield covers systems in its ShieldSilver plan and appliances in its ShieldGold plan. Both ShieldSilver and ShieldGold come with a $3,000 coverage cap per covered item. The ShieldPlatinum plan covers systems and appliances plus roof-leak protection. It increases the coverage cap to $6,000 per covered item.

The table below highlights the items covered by American Home Shield in each plan.

AHS provides a few add-on options:

Based on the quote we obtained for a single-family home in Redmond, Ore., AHS costs $55 to $110 per month, depending on your selected plan and service call fee.

The table below outlines American Home Shield's monthly premium per plan and corresponding service call fees.

Get your quote: Fill out American Home Shield's quote form or call 844-529-9298.

To learn more: American Home Shield review

Liberty Home Guard (LHG) is a reputable choice for Oregon homeowners who value comprehensive coverage and customer service. The company holds an A- rating* with the Better Business Bureau (BBB). It also provides a 60-day workmanship guarantee on completed repairs, which is double the industry standard. Finally, LHG offers coverage flexibility with 38 add-ons, such as trash compactors and water softeners.

*BBB ratings are accurate as of August 2022.

Here are our key pros and cons for Liberty Home Guard coverage:

+ Covers working systems and appliances regardless of age+ Extends 60-day workmanship guarantee on completed repairs+ Prioritizes customer satisfaction– Lacks transparency with service call fee pricing options– Doesn't allow you to choose your service provider

Liberty Home Guard's Appliance Guard plan protects home appliances, such as clothes washers. Its Systems Guard plan covers systems, such as air conditioning. Its most comprehensive plan is the Total Home Guard, which combines appliance and system coverage. All covered items have a $2,000 coverage cap.

The table below highlights the items covered in each of LHG's plans.

LHG includes these add-ons:

Depending on your selected plan and add-ons, Liberty Home Guard coverage costs $50 to $60 per month. A representative we spoke to explained that the company selects your service call fee based on your home's size and type, location, plan selection and add-on options.

The table below highlights Liberty's monthly plan costs.

Get your quote: Fill out Liberty Home Guard's quote form or call 866-452-9107.

To learn more: Liberty Home Guard review

Select Home Warranty is a solid provider if you want budget-friendly coverage for your heating and cooling systems. The company offers a $3,000 coverage cap for air conditioning and HVAC. Home appliances and other major home systems, such as plumbing, have a much lower coverage cap of $500. These coverage caps are lower than other companies on this list, but Select includes roof-leak repair coverage in every plan plus other benefits.

Review our top pros and cons for Select Home Warranty coverage:

+ Includes roof-leak coverage in every plan ($400 cap annually)+ Provides two months of free coverage for annual service contracts+ Responds to claims within 12 business hours– Excludes coverage for items with unknown preexisting conditions– Offers low coverage caps ($500 for electrical/plumbing/appliances and $400 for add-ons)

Select Home Warranty covers appliances in its Bronze Care plan. Its Gold Care plan covers major systems, and its Platinum Care plan bundles appliances and systems with plumbing stoppage and garage-door opener coverage.

The table below highlights Select's coverage options.

Select Home Warranty has the following add-ons:

Expect to pay $44 to $48 per month alongside Select's standard $75 service call fee.

The table below shows Select's monthly premiums in detail.

Get your quote: Fill out Select Home Warranty's quote form or call 888-370-3956.

To learn more: Select Home Warranty review

Consider First American Home Warranty if you want comprehensive but still affordable coverage. The company doesn't cap HVAC systems coverage, meaning it will cover the entire repair or replacement cost. Its First Class Upgrade add-on also covers miscellaneous appliance parts, such as knobs and racks, plus home items that were improperly maintained or installed.

Here is our list of key pros and cons for First American Home Warranty:

+ Covers preexisting conditions with its First Class Upgrade+ Doesn't cap coverage for HVAC, ductwork, electrical, water heaters or garage-door openers+ Offers generous $3,500 coverage cap limit per covered appliance– Excludes roof-leak repair coverage– Only offers air conditioning coverage as an add-on

First American covers appliances in its Basic Plan. Its Premier Plan covers major appliances and home systems. All plans are eligible for its First Class Upgrade package, which covers fees most home warranty providers don't, such as appliance removal fees.

The table below shows the items each plan covers.

First American Home Warranty offers several add-on coverage options:

*The First Class Upgrade includes coverage for cosmetic damage to home appliances and systems, plus coverage for expenses related to removing an appliance, using cranes during installation and required permits for replacing appliances.

Expect to pay $36 to $47 per month alongside First American's standard $85 service call fee, depending on your selected coverage.

The table below highlights First American's monthly plan costs.

Get your quote: Fill out First American Home Warranty's quote form or call 855-435-0489.

To learn more: First American Home Warranty review

America's First Choice Home Club (AFC Home Club) offers the most coverage options on this list, with four coverage plans and three service call fees. The company allows you to lower your monthly premium by selecting a higher service call fee. It also offers an appliance-only plan with a generous $3,000 coverage cap per appliance, making it a great choice if you only need appliance coverage.

Check out our key pros and cons for AFC Home Club:

+ Includes a $3,000 coverage cap per covered appliance+ Offers plan variety via four coverage plans and three service call fee options + Provides unlimited workmanship guarantee on repairs – Charges a $75 cancellation fee after first 30 days– Offers plumbing stoppage coverage only in its most expensive plan (Platinum Plan)

AFC Home Club provides four plan options. The Systems Plan covers systems, and the Silver Plan covers appliances. The Gold and Platinum plans cover a combination of systems and appliances. The Platinum Plan includes additional coverage for items such as plumbing stoppages, faucets, ice makers and built-in microwaves.

The table below highlights AFC Home Club's coverage options.

AFC Home Club provides the following add-on options:

Depending on your selected plan and service call fee, AFC Home Club costs $38 to $64 per month.

The table below displays AFC Home Club's monthly premiums.

Get your quote: Fill out AFC Home Club's quote form or call 877-755-1115.

To learn more: AFC Home Club review

Compare pricing for Oregon home warranty providers in the table below.

Provider

Monthly Cost in Oregon

Service Call Fee

American Home Shield

$54.99–$109.99

$75–$125

Liberty Home Guard

$49.99–$59.99

$65–$125

Select Home Warranty

$44.42–$47.75

$75

First American Home Warranty

$36.00–$46.50

$85

AFC Home Club

$38.58–$63.17

$75–$125

Whether you just bought a new home or are an existing homeowner, a home warranty provides peace of mind that repair costs will be covered. We selected each provider in this article based on its price, customer service and coverage options. We chose American Home Shield as our editors’ choice due to its unmatched coverage caps and additional benefits, such as annual discounts for HVAC tune-ups.

Liberty Home Guard offers exclusive discounts on new appliances, and Select Home Warranty provides generous coverage caps for heating and cooling systems at a budget-friendly price.

We recommend requesting at least three quotes from different providers to compare plan options and costs. Read each provider's sample contract and speak to a representative to answer any questions before signing up.

Most home warranty providers offer 12 months of coverage. Certain providers, such as AFC Home Club, offer policies that last up to three years. Read providers’ sample contracts to figure out exactly how long their service contracts last.

A home warranty protects your home from expensive repair or replacement costs caused by normal wear and tear. A homeowners insurance policy covers damage or loss from theft, fire, storms or water. Having a home warranty alongside a home insurance policy is recommended for optimal protection.

Home warranties cover a wide variety of your home's systems and appliances. Common exclusions include fees associated with appliance removal and disposal, routine maintenance, commercial property coverage and more. We recommend reading your provider's sample contract to determine what is and isn't covered by your policy.

A service call fee is similar to a deductible charged by an insurance company. Providers charge a service call fee each time you file a new claim. Service call fees range from $65 to $125, depending on your provider and plan selection.

Our team created a comprehensive rating system to rank providers based on objective factors. We researched each company by speaking with company representatives, reading sample contracts, and analyzing and comparing consumer reviews. We deepened our research by gaining homeowner insights through surveys and focus groups.

After collecting data, we scored each provider in the following categories: plan options, cost, trustworthiness, customer service, state availability, additional benefits and coverage specifics.

Jesus Sanchez Garcia is a writer specializing in home warranties and related insurance products. He holds a particular interest in research and understanding his readers, and he has facilitated focus groups to gain deeper insight into homeowners’ needs. Jesus has a bachelor's degree in business administration and marketing. In his spare time, Jesus can be found cheering on Arsenal or spending time with his cat, Nevi.

Rebekah Young is an editor with a decade of experience in educational content and editing. Before joining the Guides Home Team to focus on home services content, she guided content strategy and edited in the insurance, venture capital, financial and health care fields. Rebekah has a bachelor's degree in communication and English.