Best Home Warranty Companies in Oregon (2024)

• Provider Review: Liberty Home Guard review
• Provider Sample Contract: Liberty Home Guard sample contract
• State Availability: 50
• Monthly Cost: $49–$59

Liberty Home Guard (LHG) offers an extensive add-on suite and a lengthy workmanship guarantee. The company prioritizes customer service, earning high customer review scores and maintaining an A rating with the BBB.

Liberty Home Guard offers three plans: Appliance Guard, Systems Guard, and Total Home Guard. Appliance Guard covers major appliances, such as built-in microwaves, laundry machines, and dishwashers. Systems Guard covers home systems, such as your water heater and plumbing. The Total Home Guard bundles appliance and systems coverage into one comprehensive plan.

LHG services fees range from $65–$125. When we spoke with an AHS representative about these varying costs, she advised that fees are based on your plan, location, and add-ons. 

LHG offers monthly and annual premiums and includes two bonus coverage months if you choose an annual plan. Homeowners pay between $499 and $599 annually. 

The company offers excellent customer support options, including its website’s 24/7 live chat feature. If you’re looking for plans with more specialized coverage, LHG could be a great option. The company offers 38 add-on options ranging from carpet cleaning to standalone freezers. Every plan includes a 60-day workmanship guarantee, twice the 30-day industry standard. 

Here’s a breakdown of Liberty Home Guard plans:

• Appliance Guard: The lowest plan offers appliance-only protection and includes items such as built-in microwaves, clothes washers, and dryers.
• Systems Guard: This plan includes built-in systems, such as air conditioning, heating, ductwork, and water heaters.
• Total Home Guard: The highest plan tier combines the Appliance Guard and Systems Guard coverage. 
• Optional add-ons: The company offers 38 options, such as central vacuums, lighting fixtures, gutter cleaning, saltwater pools, and plumbing fixtures.

Here’s a breakdown of LHG plan pricing:

Customers can compare LHG plans with phone or online quotes. When we tested the online tool, it required personal information and home details, such as type and size. Our customized quote included options to change plan type and premium payments. 

Although LHG uses its own service technicians, it will let you choose one if it cannot find a local option. 

Our team tested the customer support line and reached a representative in under one minute. Online reviews mentioned the excellent customer service team and easy claims process. However, homeowners felt reimbursement payouts didn’t meet their expectations.

• Provider Review: American Home Shield Review
• Provider Sample Contract: American Home Shield sample contract directory
• State Availability: 48 (excluding Alaska and Hawaii)
• Monthly Cost: $49–$109

American Home Shield (AHS) is a reputable home warranty provider for Oregon residents. It offers flexible plans and generous coverage limits per covered item. In addition, AHS doesn’t require a home inspection prior to granting coverage, making it a good choice for those with an older home.

American Home Shield has three plans and a handful of add-ons. The ShieldSilver plan covers major home systems. The ShieldGold plan offers appliance and system coverage. The ShieldPlatinum plan increases coverage caps across the board and includes roof leak coverage and a free HVAC tune-up. Customers can purchase extra coverage for pools, spas, well pumps, septic pumps, and guest units. American Home Shield also offers extended warranties for select electronic devices and new appliance discounts.

Our sample quote includes a service call fee of $100 or $125. When we selected a higher service fee, our monthly premium decreased. American Home Shield offers a 30-day workmanship guarantee. Unlike other providers with annual and monthly premiums, AHS only offers a monthly option. 

The company offers three comprehensive coverage plans and two service fees, giving customers price flexibility. It also offers unique coverage typically excluded from other provider plans, such as rust, sediment, and corrosion damage. This is helpful for homeowners with older systems and appliances. 

Here’s an overview of American Home Shield coverage plans:

• ShieldSilver: This plan includes home systems, such as heating, cooling, and interior plumbing lines. 
• ShieldGold: This plan provides ShieldSilver coverage and includes major appliances such as dishwashers and clothes dryers. 
• ShieldPlatinum: The highest plan includes ShieldGold items and adds special perks, including $1,500 in roof-leak coverage. 
• Optional add-ons: Added coverage such as electronics, pools/spas, guest units, septic pumps, and well pumps.

Below is an overview of AHS plan pricing:

Homeowners can access AHS quotes through its customer support team or website. The online quote tool requires basic information, such as your address, email address, and ZIP code. When you receive your quote, you can adjust your plan based on the coverage and service fee options. You can also choose your add-on options and get immediate price adjustments. 

AHS uses an exclusive network of technicians for service calls. Our team members used his AHS plan to file a claim for a leaky bathroom pipe. After speaking with a representative, he received a service appointment for the next day. The technician resolved the pipe leak and only charged for the service call fee.

When reading online reviews, we noticed that homeowners enjoyed the simple claims process but stated their claim reimbursements were lower than anticipated. 

We recommend Elite Home Warranty for homeowners who want flexible premiums and coverage. The company offers three base plans with a standard $70 service call fee (a lower service call fee than many providers) and 27 add-on options.

Monthly cost: $44–$58

When reading through the Elite Home Warranty sample contract, we learned that the company offers a $15,000 annual limit for all plans. This breaks down to a $7,000 claim limit for appliances and $8,000 for systems, which is a higher limit than many providers. However, claim limits vary among coverage items. For example, air conditioners receive up to $4,000 while electrical systems are capped at $2,000.

We recommend reading through the sample contract or getting a quote for full details on coverage caps. 

Below are the details of Elite’s coverage plans:

• Elite Appliances: The appliance-only plan covers eight essential appliances, including cooktops, clothes washers, and dishwashers. Coverage caps vary by appliance but are subject to a $7,000 term limit. 
• Elite Systems: This system-only plan covers eight home systems, such as air conditioning, heating, and electrical systems. This plan has an $8,000 annual limit, though coverage caps vary by system.  
• Elite Complete: The highest plan tier combines the Elite Appliances and Elite Systems plans for comprehensive systems and appliance protection. 

Based on our sample quotes, Elite Home Warranty charges a monthly premium of about $44–$58. The company has a standard service call fee of $70. It charges $150 for high-end appliance repairs and service calls that occur after hours or on the weekend.

More details on Elite’s plans and pricing can be found in the table below:

Elite offers 27 add-on options, one of the largest catalogs we’ve seen from a home warranty company. Based on our research, most providers offer eight to 15 add-ons. Elite’s add-on coverage limits vary by item. There is a $5,000 total limit per term. 

We’ve highlighted some of Elite’s most attractive add-on options below. View the full list on Elite’s website:

• Annual maintenance
• Drainage, sewer, and water service lines
• Pool and spa equipment
• Geothermal heating and cooling systems
• Guest house
• Septic system

One of our team members tested the Elite Home Warranty claim process to repair his broken high-end dishwasher. Here’s a summary of his experience:

• He submitted his claim online and received an Elite claims specialist call within 30 minutes. 
• He received a next-day appointment for his repair. 
• The technician arrived on the assigned day but realized the repair would require out-of-stock parts. 
• After an initial service visit on Tuesday evening, the technician returned with the required parts the following Monday morning.
• The technician completed the repairs within an hour.

Elite sends in-network technicians to complete its repairs. It backs its coverage with a 90-day workmanship guarantee. If you choose your own repair technician, Elite will pay them for labor at an hourly rate not to exceed the standard hourly rate in your area. You won’t receive any workmanship coverage from Elite if you choose your own technician. However, the local technician should provide their own workmanship guarantee, likely around 30 days.

• Provider Review: First American Home Warranty review
• Provider Sample Contract: First American Home Warranty sample contract
• State Availability: 35*
• Monthly Cost: $52–$92

*(excluding Alaska, Connecticut, Delaware, Hawaii, Illinois, Louisiana, Maine, Massachusetts, Minnesota, New Hampshire, New York, North Dakota, Rhode Island, Vermont, and Wisconsin)

First American offers the best appliance coverage, with limits as high as $7,000 per item. In addition, First American offers additional protections with its upgrade package, offering coverage for unique conditions, such as lack of maintenance. 

First American Home Warranty offers three plans: the Starter Plan, the Essential Plan, and the Premium Plan. The Starter and Essential plans include a $3,500 appliance limit. Its highest option, the Premium Plan, includes a $7,000 limit. You can choose a $75, $100, or $125 service call fee. First American includes a 30-day workmanship guarantee. 

First American Home Warranty includes annual and monthly premiums. Expect to pay between $600 and $1,080 for its annual plans. Although First American offers annual options, it does not offer free months, service, or discounts for choosing a yearly plan. 

First American offers generous appliance limits, providing between $3,500–$7,000 per item. With its First American Advantage upgrade, homeowners can expand coverage to include items with special conditions. These added protections include improperly maintained, modified, or installed appliances. Homeowners with high-end appliances should consider First American Home Warranty. 

Learn more about First American coverage plans below:

• Starter Plan: This plan includes built-in microwaves, dishwashers, ductwork, electrical systems, heating, plumbing systems, oven/cooktop, plumbing stoppages, refrigerators, and toilet tanks, bowls, and mechanisms. 
• Essential Plan: Coverage includes Starter Plan items plus air conditioning, ceiling/attic/exhaust fans, clothes washers and dryers, garage door openers, trash compactors, and water heaters.
• Premium Plan: This plan includes Essential Plan coverage plus full garage door systems, instant hot water dispensers, luxury appliances, shower heads and arms, and window air conditioning units.
• Optional add-ons: Add-on options include additional refrigeration, air conditioning for the Starter Plan, HVAC tune-up, limited roof-leak coverage, pool and spa equipment, septic tank systems and pumping, water softeners, and well pumps.

See below for more details on First American Home Warranty plan pricing:

Getting a First American quote can take place over the phone or online. When visiting the First American website, we simply entered our name, phone number, email, and home address. We needed additional home-specific information such as home type and square footage. We could easily switch between plan options and service call choices. 

First American completes its repair and replacements with approved service technicians. If it doesn’t have options in your area, you can select your preferred technician. Our team member used his First American plan to repair a garage door opener. He spoke with a First American representative on a Friday and received a service appointment for the following Monday. The technician resolved the issue and only charged the service call fee. 

Based on online reviews, homeowners praised the easy claims process but faced delays when scheduling service request appointments.

• Provider Review: Select Home Warranty review
• Provider Sample Contract: Select Home Warranty sample contract
• State Availability: 47 (excluding Nevada, Wisconsin, and Washington)
• Monthly Cost: $44–$47

Select Home Warranty offers low monthly premiums and solid heating and cooling system coverage. Select also pairs each plan with a low service call fee. Although the company has been around for less than a decade, it’s a competitive choice in the home warranty market.

Select Home Warranty offers three plans: Bronze Care, Gold Care, and Platinum Care. The Bronze Care covers major appliances, while the Gold Care covers major systems. Platinum Care covers systems and appliances. Select includes $400 roof-leak repair coverage in each plan.

Plans include a lower-than-average $60–$75 service call fee per claim. However, you cannot choose your preferred rate. During secret shopping. We discovered the company offers its lowest service call fee exclusively over the phone. 

Although you receive a $3,000 cap for HVAC systems, others receive a $500 limit. Select includes a 30-day workmanship guarantee on its repairs.

Select Home Warranty offers monthly and annual premium options. Annual payments cost between $479 and $524. You receive $150 off and two additional coverage months for choosing an annual option. 

The company provides low-cost plan options below $50 per month, some of the lowest in this review. Select also includes roof-leak repair coverage with its plans. Other home warranty companies charge extra for this coverage type. Select Home Warranty makes an excellent choice for budget-conscious homeowners. 

Here’s a breakdown of Select Home Warranty plans:

• Bronze Care: This plan includes major home appliances, such as built-in microwaves, cooktops, and garbage disposals.
• Gold Care: You’ll receive protection for major home systems, such as cooling, heating, and plumbing.
• Platinum Care: The highest tier combines Bronze and Gold Care coverage and adds garage door openers and plumbing stoppages. 
• Optional add-ons: Add-ons include central vacuums, lawn sprinkler systems, pools, septic systems, spas, stand-alone freezers, sump pumps, and well pumps.

Below is a breakdown of Select Home Warranty’s plan pricing:

Our team pulled quotes with the Select Home Warranty team and on the website. The online quote tool doesn’t require your home address. You just need your ZIP code, name, phone number, and email address. From there, you can adjust your plan coverage and payment schedule. 

Select uses prepared service technicians but lets you choose a technician if it cannot provide one for you. 

After reading online reviews, we learned that homeowners liked the low-cost plan options but had difficulty reaching the customer support team. 

You can start the quote process with a Select customer service agent. If you’d prefer to shop on your own, you can use the online quote tool. Select makes the process easier by not requiring your home address. Instead, you enter your name, phone number, and ZIP code. You can switch between plan choices and premium frequency. 

Select will send a technician from its preapproved list when you schedule a service appointment. If it cannot find a technician nearby, the company lets you choose your own option. 

Online customer reviews praised the affordable plan options but mentioned difficulty reaching the customer support team.