Best Home Warranty Companies in Oregon (2025)

Pros and Cons

Company Overview

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.

Why We Chose American Home Shield

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. 

Plans and Pricing

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

• ShieldSilver ($47 per month): This plan includes home systems, such as heating, cooling, and interior plumbing lines. 
• ShieldGold ($67 per month): This plan provides ShieldSilver coverage and includes major appliances such as dishwashers and clothes dryers. 
• ShieldPlatinum ($97 per month): The highest plan includes ShieldGold items and adds special perks, including $1,500 in roof-leak coverage. 
• Optional add-ons: Customers can buy added coverage such as electronics, pools and spas, guest units, septic pumps, and well pumps.

What To Expect

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. 

Pros and Cons

Company Overview

Choice Home Warranty stands out for its affordable home warranty coverage, which includes a standard $3,000 limit for most covered items. The company also offers a longer workmanship guarantee of up to 90 days for parts and 60 days for labor, providing homeowners with extended protection against recurring issues and added confidence in repairs.

Choice Home Warranty offers two plans: Basic Plan and Total Plan. Both plans include home comprehensive protection with a mix of systems and appliances. The plans include a $3,000 limit for all covered items, offering mid-tier protection compared to other providers.

Choice charges a standard $100 service call fee for its repairs, limiting your ability to customize your costs. Most providers offer two or more options to let homeowners choose a fee that balances upfront costs with per-service expenses.

Choice offers monthly and annual premiums but charges an extra $2.50 fee if you select the monthly option.

Why We Chose Choice Home Warranty

With its affordable plans, comprehensive home protection, and extended workmanship guarantee, Choice is a solid option for budget-conscious homeowners. Its straightforward pricing structure also makes it easy to understand what’s included in each plan, offering reassurance when it comes to budgeting for home repairs.

Plans and Pricing

Here’s a breakdown of Choice Home Warranty’s plans:

• Basic Plan ($59 per month): The lowest-tier plan covers 14 systems and appliances, including heating, plumbing, and dishwashers.
• Total Plan ($67 per month): This plan includes 18 home appliances and systems, expanding coverage to HVAC systems, laundry appliances, and refrigerators.
• Optional add-ons: The company offers 10 options, such as second refrigerators, septic system, and limited roof leak coverage.

What To Expect

Our Choice Home Warranty testers had mixed results when filing claims. For example, they submitted a claim for a broken freezer and air conditioning (AC) system simultaneously. While they received a confirmation of their claim submission, there was a delay in scheduling a technician. After daily follow-up calls, our testers eventually received a status update. In terms of repairs, the AC issue was resolved with one visit, while the broken freezer took three visits. Our testers also reported varying timeframes between service appointments, ranging from one day to one month.

Pros and Cons

Company Overview

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 30 add-on options.

When reading through the Elite Home Warranty sample contract, we learned that the company offers a $15,000 annual limit for all plans. 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. 

Plans and Cost

Below is a list of Elite’s home warranty plans and coverage details:

• Elite Appliances ($45 per month): 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 ($50 per month): 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 ($60 per month): 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.

Elite offers 30 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

Our Experience with Elite Home Warranty

One of our team members tested the Elite Home Warranty claim process to repair his broken high-end dishwasher. Our tester submitted his claim online and received an Elite claims specialist call within 30 minutes, followed by a next-day appointment for a 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 and 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.

Pros and Cons

Company Overview

First American Home Warranty 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 $100, or $125 service call fee. First American includes a 30-day workmanship guarantee. 

First American Home Warranty includes annual and monthly premiums. Although First American offers annual options, it does not offer free months, service, or discounts for choosing a yearly plan. 

Why We Chose First American Home Warranty

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. 

Plans and Pricing

Learn more about First American coverage plans below:

• Starter Plan ($87 per month): This plan includes built-in microwaves, dishwashers, ductwork, electrical systems, heating, plumbing systems, oven and cooktop, plumbing stoppages, refrigerators, and toilet tanks, bowls, and mechanisms. 
• Essential Plan ($109 per month): 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 ($139 per month): 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.

What To Expect

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.

Pros and Cons

Company Overview

AFC Home Warranty offers flexibility with its home warranty coverage, including four plan options and the ability to choose your technician, a feature rarely offered by other providers. The company also backs claims with a plan-length workmanship guarantee, which guarantees satisfactory repairs and gives homeowners added confidence in the quality of service.

AFC Home Home Warranty offers four plans: Silver Plan, Gold Plan, Platinum Plan, and Diamond Plan. The Silver Plan offers appliance-only coverage, while the other three plans offer varying levels of comprehensive coverage with systems and appliances.

You can customize your service call fees, with options for $75 or $125. Choosing the higher service call fee lowers your monthly cost, and vice versa.

Coverage caps vary between items, with appliances ranging between $150 and $3,000 and systems ranging between $150 and $500, which is lower than some other providers. However, heating, cooling, and waters don’t have set caps for their protection.

Why We Chose AFC Home Warranty

The company makes it easier for homeowners to not only customize their plan options but also have more flexibility in selecting their service technicians. With the ability to choose their technicians, homeowners can select their preferred local professionals, getting trusted service for their home repair needs.

Plans and Pricing

Here’s a breakdown of AFC Home Warranty plans:

• Silver Plan (call for a quote): This plan includes nine major home appliances, such as clothes washers, cooktops, and garbage disposals.
• Gold Plan ($44 per month): You’ll receive protection for 15 appliances and major home systems, such as cooling, heating, and plumbing.
• Platinum Plan ($51 per month): The next tier plan expands coverage to 20 items, including refrigerator ice makers, built-in microwaves, and fans.
• Diamond Plan ($82 per month): The highest plan tier includes Platinum Plan protection and adds coverage for electronics, exterior sewer lines, and exterior water lines.
• Optional add-ons: Add-ons include electronics, in-ground pools, septic systems, spas, sump pumps, and well pumps.

What To Expect

Our AFC Home Warranty tester found the claims process quick and easy, taking about five minutes with an intuitive portal. However, there was some confusion after she submitted her claim—she received an email confirming submission and a text saying she needed to call in. When she did, customer service confirmed the claim was successfully completed online.

After returning from a short vacation, she scheduled her appointment about a week later. The technician completed the repairs, but the problem returned after a few days. She started the claims process again, was assigned a second technician, and didn’t pay a second service call fee for the follow-up visit. Despite needing two technicians, she was satisfied with the service.