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Best Home Warranties in Oregon

We compared 34 companies and chose the top home warranty providers

    • Best overall
      American Home Shield
      3.7(108,813)
    • Quick service
      First American Home Warranty
      4.0(8,861)
    • Best technicians
      Choice Home Warranty
      4.0(72,789)
    Author picture
    By: Taylor Sansano
    +1 more
    Author picture
    Edited by: Vincent Landino

    Best Home Warranties in Oregon

    Oregon’s wet climate and mix of urban and rural housing create ongoing risks for plumbing, roofing and electrical systems. A home warranty helps manage the costs of repairs caused by heavy rain and older infrastructure.

    American Home Shield is the best home warranty company in Oregon, based on recent reviews from local homeowners. First American Home Warranty stands out for its fast response time, and Choice Home Warranty has the best contractor network.

    Why trust ConsumerAffairs?
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    • Our moderators read all reviews to verify quality and helpfulness.

    Our 4 picks for the best home warranty companies in Oregon

    1. Best overall: American Home Shield
    2. Best for quick service: First American Home Warranty
    3. Best technicians: Choice Home Warranty
    4. Best claims handling: Regency Total Warranty

    Our research team vetted home warranty companies that are rated by hundreds of customers in Oregon. Read our guide to choose the best home warranty in Oregon for you by comparing plans, contract lengths and service fees.

    Read our full methodology below for all the details. Our picks may be Authorized Partners that compensate us, but this does not affect our recommendations or evaluations.

    Compare top Oregon home warranty companies

    Best overall

    American Home Shield

    American Home Shield
    3.7
    108,813 reviews
    Plans available
    3
    Service fees
    $100 or $125
    Starting costs
    $29.99
    Labor guarantee
    30 days
    Get a Quote Read Reviews

    American Home Shield provides some of the most robust coverage available, which is impressive given its competitive pricing. Its user-friendly app makes claims easy to file, and the ability to video chat with a repair expert is convenient. We also like that plans come with high coverage limits and flexible cancellation.

    Many Oregon customers appreciate AHS’s quick claim processing and affordable coverage, while others report frustrations with repeated misdiagnoses and poor contractor quality.

    What to consider: AHS has fewer add-on options than most home warranty companies, so it’s harder to customize your plan.

    Pros
    • Easy claims process
    • High coverage limits
    • Covers rust, corrosion and sediment damage
    • Cancel at any time
    Cons
    • Occasional service delays
    • Relatively high service fees

    Base plans from AHS start at $29.99 a month. You can choose a $100 or $125 deductible, but be aware that this affects your monthly cost. All plans have a total limit of $50,000 per agreement term.

    • ShieldSilver ($29.99 or $39.99): Covers 14 major systems, including heating, cooling, electrical and plumbing. This plan has a $5,000 limit per covered HVAC system.
    • ShieldGold ($49.99 or $59.99): Covers 24 appliances and systems, including kitchen and laundry equipment. It also has a $5,000 limit per covered HVAC system and limits each covered appliance to $2,000.
    • SheldPlatinum ($79.99 or $89.99): The most comprehensive plan. It has the same HVAC system limit but raises the annual per-appliance limit to $4,000 and includes roof leak coverage up to $1,000.

    Add-ons and discounts

    • Optional add-ons
      • Septic pump: $4.99
      • Roof leak repair: $9.99
      • Well pump: $9.99
      • Guest unit: $12.99
      • Electronics protection: $14
      • Pool and spa: $20.99
    • Discounts: AARP and military service; $50 discount for covering multiple properties
    “During my time with them, they've replaced various appliances such as my dishwasher, a refrigerator, and even a washing machine, sometimes even twice. Their commitment to quickly solve issues without compromising on quality has always impressed me.”
    Connie Amity, OR
    “I faced a number of plumbing issues in my older home, including a dripping shower head, a kitchen faucet that needed replacement, and a continuously running toilet. These were handled exceptionally well by the experts they sent over. … American Home Shield stands out for its affordability and knowledgeable service staff. I really appreciate that when I call to address one issue, they ask if there are other problems they can look at during the same visit, which saves a lot of time.”
    Eve Damascus, OR
    “They're quick about getting things done. I've had them for five years and their contractors have always showed up and did what needed to be done.”
    Brian Portland, OR
    3x Award Winner
    Selected for having one of the highest satisfaction rates for Best Customer Service, Best Overall Value and Best Overall Process
    Best for quick service

    First American Home Warranty

    First American Home Warranty
    4.0
    8,861 reviews
    Plans available
    3
    Service fees
    $100 or $125
    Starting costs
    $42
    Labor guarantee
    None specified
    Get a Quote Read Reviews

    First American Home Warranty is great for Oregon homeowners who want fast, dependable repairs. The company’s track record for quick follow-through on claims makes it a standout for anyone who can’t afford to wait long for service during a breakdown.

    Many Oregon customers praise easy claims, quick service and fair reimbursements. However, some report poor communication.

    What to consider: First American has a shorter labor guarantee (30 days) than many competitors.

    Pros
    • Low starting costs
    • Low service call fees
    • No age limit on appliances
    • Month-to-month contracts
    Cons
    • Occasional service delays

    First American offers combination plans that include both systems and appliances. Monthly premiums start at $42 to $82. You can choose a lower service call fee for higher monthly premiums.

    • Starter: Covers major systems like heating, plumbing, electrical and ductwork, common kitchen appliances and toilets. Monthly premiums are $42 or $47.
    • Essential: Includes everything in the Starter plan plus fans, garage doors, washers and dryers. Monthly premiums are $57 or $62.
    • Premium: Most comprehensive plan, covers everything in the Essential plan, plus hot/cold water dispensers and central vacuums. Monthly costs are $77 or $82.

    Add-ons and discounts

    • Optional add-ons
      • Septic pump: $7
      • Roof leak repair: $9.99
      • Well pump: $9.99
      • Guest unit: $12.99
      • Electronics protection: $14
      • Pool and spa: $20.99
    • Discounts: Reduced premiums for paying annually
    “After filing a claim, a technician was dispatched promptly, arriving within 48 hours, which was a relief given how essential a refrigerator is to daily life. The technician was professional, courteous, and highly skilled, diagnosing the issue quickly and repairing it on the spot.”
    Greg Grants Pass, OR
    “Submitting claims has generally been a straightforward process. The contractors First American has connected us with have all been satisfactory. Typically, they'll call ahead to provide their name and an estimated arrival time, which I appreciate. There's a lot to like about First American – especially the prompt service, which is impressive given we live in a fairly rural area where service can often be slow.”
    D Redmond, OR
    “That person who came couldn't help me. So, they allowed me to go to find my own person and they reimbursed everything. The reimbursement team was excellent. They made everything very easy to work with.”
    Abraham Bend, OR
    2x Award Winner
    Selected for having one of the highest satisfaction rates for Best Customer Service and Best Overall Process
    Best technicians

    Choice Home Warranty

    Choice Home Warranty
    4.0
    72,789 reviews
    Plans available
    2
    Service fees
    $100
    Starting costs
    $46.83
    Labor guarantee
    60 days
    Get a Quote Read Reviews

    Choice Home Warranty is included here thanks to its quality technicians. The company’s policy is to respond to service requests within four hours, which can be a huge plus when you’re dealing with an out-of-commission air conditioner in the summer months or a faulty heater in the winter.

    Many Oregon reviewers praise fast assignments, clear communication and good contractors, while others report aggressive sales tactics.

    What to consider: Choice doesn’t offer an appliance-only or systems-only plan, and you can’t choose your service fee.

    Pros
    • Optional roof leak coverage
    • No transfer fee
    • 24/7 customer service
    Cons
    • $500 roof repair cap

    Basic plans start at $49.17 per month and Total plans start at $57.50 per month. Both have a flat $100 service fee. Contracts last one year — expect to pay a $50 cancellation fee if you cancel early. However, you can transfer the contract with no penalty.

    • Basic: Covers 14 systems and appliances, including heating, electrical and plumbing.
    • Total: Includes everything in the basic plan and covers your washer and dryer, refrigerator and air conditioning system.

    Add-ons and discounts

    • Optional add-ons
      • Ice maker: $2.08
      • Second refrigerator: $3.33
      • Stand-alone freezer: $3.33
      • Sump pump: $3.33
      • Central vacuum: $3.33
      • Septic tank pumping: $5.42
      • Roof leak repair: $5.83
      • Well pump: $8.33
      • Sprinkler system: $8.33
      • Septic system: $10
      • Pool and spa: $15
      • Additional spa: $15
    • Discounts: Reduced premiums with annual payments; free extra month
    “Washing machine will not start. Went online and filed complaint to Choice Warranty. Choice was quick to respond. Found repairman the next day. Repairman was knowledgeable, friendly, and willing to answer any questions. The whole experience went very smooth and the washing machine was only down for three days total.”
    Donald Salem, OR
    “We received a fast response to our filing of our claim. They let us know the process and we can check everything online. We feel confident that our heater will be fixed quickly. We have submitted our claim on a holiday so we were surprised to hear back.”
    Judi Central Point, OR
    Best claims handling

    Regency Total Warranty

    Regency Total Warranty
    4.0
    977 reviews
    Plans available
    2
    Service fees
    $60 to $100
    Starting costs
    $44.99
    Labor guarantee
    Unclear
    Read Reviews

    Regency Total Warranty consistently earns high marks from Oregon customers for its hassle-free claims process. The company’s plans both combine system and appliance coverage. This is great for Oregon homes, where both appliance aging and system breakdowns are common due to the region’s damp weather and older housing stock.

    Oregon reviews highlight successful claims for repairs and replacements, but some mention delayed response times.

    What to consider: Regency is a new home warranty company that has only been in business since 2024.

    Pros
    • Both plans cover systems and appliances
    • Reasonable starting costs
    Cons
    • No electronics plan
    • Some water heater exclusions

    Regency’s two plans offer different degrees of coverage for your home’s systems and appliances. Costs start at $39.99 per month, with a potential savings of $50 per year if you pay annually.

    • EssentialGuard: Covers three home systems and 10 appliances. Starts at $39.99 monthly or $429.99 annually.
    • TotalGuard: Covers five home systems and 14 appliances. Starts at $45.83 per month ($499.99 per year).

    Add-ons and discounts

    • Optional add-ons
      • Pools and spas
      • Well pumps
      • Sump pumps
      • Central vacuums
      • Limited roof leaks
      • Septic systems
      • Second refrigerators
      • Stand-alone freezers
      • Septic tank plumbing
    • Discounts: Seasonal promotions; limited roof leak protection
    “The washing machine failed to complete the spin cycle. We phoned Regency Total Warranty and the repairman came out and after a thorough checkup he told us that fixing it would be more expensive than buy another one because the motor and few other minor components were not working. … We decided to get a replacement payment.”
    Alice Elmira, OR
    “My washing machine had a leak. … They gave me a check to assist cover the cost of a replacement.”
    Willy Hillsboro, OR

    Home Warranties in Oregon Buyers Guide

    Jump into our guides and start learning

    In this guide

    Top Picks

    See who reviewers like

    American Home Shield logo
    First American Home Warranty logo
    Choice Home Warranty logo
    See our top picks

    Simplify your search

    Compare plans tailored to your home & budget.

      Oregon homeowners frequently deal with roof leaks, plumbing issues from constant moisture and electrical problems in aging homes. A home warranty provides financial protection against these recurring expenses.

      Key insights

      Oregon home warranty plans cost $35 to $90 per month on average, though your rate depends on the coverage level, your service fee and any add-ons.

      Jump to insight

      In Oregon, prioritize plumbing and roof leak coverage to handle the state’s rainy climate.

      Jump to insight

      The Oregon Division of Financial Regulation regulates home warranties.

      Jump to insight

      How much does a home warranty cost in Oregon?

      Home warranty prices in Oregon typically start around $35 and can go up to $90 per month, depending on your coverage selections and the provider you choose. This range is in line with the national average for home warranty costs.

      Cost range by home warranty provider

      ProviderMonthly premium rangeService call fee
      American Home Shield$29.99 to $89.99$100 or $125
      First American Home Warranty$42 to $82$100 or $125
      Choice Home Warranty$46.83 to $54.75$100
      Regency Total Warranty$44.99 to $49.99$60 to $100

      Monthly or annual premiums

      Most home warranty providers give you the flexibility to pay monthly or annually. Paying annually may net you a discount, while monthly payments help manage costs over time. Actual costs are determined by your home’s size, the level of coverage, and any add-ons.

      Service call fees

      Each time you file a claim, you’ll pay a service call fee for a technician to diagnose the issue. These fees usually range from $50 to $150, depending on the plan and provider in Oregon.

      Add-on coverage

      Many companies allow you to expand your protection with add-ons for items like pools, sump pumps or extra refrigerators. Add-ons typically cost between $2 and $25 per month, depending on the item and provider.

      Other home warranty cost factors

      Home warranty pricing in Oregon depends on:

      • Home size and type: Larger homes or those with more systems generally cost more to cover.
      • Level of coverage: More comprehensive plans that cover both appliances and systems tend to be pricier than basic options.
      • Location: Oregon’s labor and material costs can affect your premium.
      • Discounts: Many companies offer discounts for annual payments, multiyear contracts or special promotions.

      Example: total annual home warranty costs

      • Comprehensive coverage ($60 per month): $720 per year
      • Add-on for roof leak repair ($10 per month): $120 per year
      • Three claims ($100 service fee): $300
      • Total: $1,140 per year

      How to choose the best home warranty in Oregon

      For most homeowners in Oregon, a general policy may be all that’s needed. However, for homeowners in areas with more specific weather concerns, certain policies may be more important.

      For example, Mount Hood Village and Altamont experience a lot more snowfall than other cities in the state, so homeowners there will probably want to make sure their policies cover their heating systems (and have a high coverage limit). Roof leak coverage wouldn’t be a bad idea, either.

      » MORE: Cost to repair a roof leak

      Conversely, people on the eastern side of Oregon might prefer to focus coverage on their air conditioning since it’s likely to take more of a beating, keeping up with the hotter summers.

      Consider what’s important to you, your home and your daily life, then make sure your warranty covers those items to an extent you feel financially comfortable with.

      What does an Oregon home warranty cover?

      Home warranty coverage in Oregon typically falls into three categories, with optional add-ons that help tailor protection to the state’s climate and housing needs.

      Main coverage types

      • Appliance plans cover things like refrigerators, stoves, dishwashers, washers and dryers.
      • System plans cover items like heating, plumbing, electrical, water heaters and ductwork (crucial in Oregon’s wet, cold winters).
      • Combination plans cover both systems and appliances for the broadest protection.

      Common add-ons in Oregon

      • Roof leak repair
      • Well pumps
      • Sump pumps
      • Septic systems
      • Pool and spa coverage

      Key considerations for Oregon homeowners

      • Roof leak coverage helps with frequent storms and prolonged rain
      • Well and septic coverage is important in rural areas outside major cities
      • Strong plumbing and heating protection is essential due to wet winters and storm-related stress on systems

      Home warranty regulations in Oregon

      If you’re buying, selling or living in an existing home in Oregon, a home warranty is optional. However, there are some regulations for companies offering home warranties (called “home service agreements” in Oregon law):

      • Writing contracts must be in clear, understandable language.
      • Contracts must state any deductible amounts, what’s covered, what’s excluded and all terms or restrictions.
      • The company must acknowledge and act within a reasonable time after services are requested (usually within 30 days).

      The Oregon Division of Financial Regulation administers these laws. If you believe a licensed warranty company has failed to follow state guidelines, you can file a grievance there.

      FAQ

      Is a home warranty worth it in Oregon?

      A home warranty is sometimes worth it, but not always. In some cases, a home warranty can save you hundreds or thousands of dollars on unexpected repairs or replacements. Other times, you may end up spending more on your plan than you would have on fixes. Balance your risks and budget to decide if a home warranty is right for you.

      Many people find that the peace of mind these plans provide is worth the expense regardless.

      Who regulates home warranty companies?

      Generally speaking, home warranty regulations are left to state governments. However, different states handle home warranties differently.

      In Oregon, home warranty companies are overseen by the Division of Financial Regulation (DFR), which administers laws put in place by the Oregon Legislative Assembly.

      Other states use different organizations (often their departments of insurance) to monitor warranty companies and carry out the state legislature’s laws.

      Methodology

      The ConsumerAffairs Research Team used a data-backed process informed by expert editorial judgment and verified customer reviews. We started with home warranty companies available in Oregon, then evaluated which performed best for local residents.

      We prioritized real customer experiences in Oregon but also considered national reviews. We discarded companies with fewer than five in-state reviews. Our review evaluation focused on seven satisfaction drivers:

      • Technician quality
      • Customer service
      • Claims handling
      • Punctuality and speed
      • Coverage
      • Value
      • Refunds and payouts

      In addition to reviews, we compared the companies on:

      • Coverage options: We broke down each company’s home warranty plans to ensure they offer multiple coverage options to fit a variety of needs.
      • Plan flexibility: Customizing a plan can tailor it to your needs and help you save money. We checked to see what customization options each company offers, including the ability to select a service fee and the number and cost of add-on coverages.
      • Cost: Costs for home warranty plans vary based on the size of the home and the type of coverage, but we confirmed our top picks’ prices are competitive in the home warranty industry.
      • Service call fee: We looked at the service fee each company charges to send a technician to your house to ensure our top picks are in line with industry standards.
      • Service guarantee: The longer a company guarantees its repairs, the more protection you get if the same issue comes back. We considered how each provider backs its workmanship.

      Bottom line

      Buying a home warranty in Oregon can be a great decision if you’re smart about your purchase. So, make sure you’re getting the best bang for your buck by doing your research and comparing companies.

      A great place to start is our national home warranty buyers guide. You may also find our article on home warranty costs useful.

      » MORE: What does a home warranty cover?

      Not sure how to choose?

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        Guide sources

        ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this guide include:

        1. Division of Financial Regulation, “Service contracts.” Accessed Sept. 15, 2025.
        2. Oregon Association of Realtors, “Oregon Property Buyer Advisory.” Accessed Sept. 15, 2025.

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