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Best Home Warranties in Oregon

We compared 19 companies and chose the top home warranty providers

    • First American Home Warranty
      4.3(8,570)
    • Cinch Home Services
      4.1(11,483)
    • Choice Home Warranty
      4.0(65,672)

    Top Picks

    See who reviewers like

    First American Home Warranty logo
    Cinch Home Services logo
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      Best Home Warranties in Oregon

      Our research team vetted 19 home warranty companies that are rated by more than 295 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 — this does not affect our recommendations or evaluations but may impact the order in which companies appear.

      Our editor’s top picks

      Why trust ConsumerAffairs?
      • Our recommendations are based on what reviewers say.
      • 4,567,379 reviews on ConsumerAffairs are verified.
      • We require contact information to ensure our reviewers are real.
      • We use intelligent software that helps us maintain the integrity of reviews.
      • Our moderators read all reviews to verify quality and helpfulness.

      Compare Top Oregon Home Warranty Companies

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        Our 4 Oregon home warranty picks

        Below are our favorite home warranty companies in Oregon, based on local reviews and company offerings.

        American Home Shield

        3.9
        103,657 reviews
        Buyer's Choice Award Winner
        Plans available
        3
        Service fees
        $100 or $125
        Starting costs
        $29.99
        5x Award Winner
        Selected for having one of the highest satisfaction rates for Best Claims Handling, Best Coverage Options, Best Customer Service, Best Technicians and Best Value for Price

        American Home Shield’s customizable plans protect more than 2 million members nationwide. Its warranties provide coverage for up to 23 home systems and appliances, and AHS covers items of all ages. All repairs are backed by a 30-day workmanship guarantee.

        We’ve compared this company’s plans based on select coverage items below.

        American Home Shield has an overwhelmingly positive review trend in Oregon. It has the most reviews in the state of any company we analyzed, and it has the second-highest ratio of 5-star to 1-star reviews. That’s why we’re comfortable making it our top pick.

        Gary from Clackamas wrote, “We're very pleased with the policy, and I recommend anybody that buys a home that is not brand-new to get it. It’s very useful. I would definitely go with them again.”

        “It's worth the money to have the extra insurance,” according to Melinda from Portland. “I had another company in the past and did not get the same results.”

        Vanessa from Portland didn’t have a good experience when her air conditioning stopped working: “They used to be quick and efficient but their customer service has severely degraded. They continue to increase the premiums and co-pays each year, with a large increase and reduction of coverages in the most recent renewal.”

        Choice Home Warranty

        4.0
        65,672 reviews
        Buyer's Choice Award Finalist
        Plans available
        2
        Service fees
        $100
        Starting costs
        $46.83

        Choice Home Warranty has handled more than 6 million service requests as of publishing. Its team sells home warranties for homeowners, homebuyers, home sellers and real estate agents. CHW also contacts one of its over 25,000 technicians within four hours of receiving your request by phone or online.

        We’ve compared this company’s plans based on select coverage items below.

        The review data for Choice Home Warranty in Oregon is strong, but the numbers don’t really capture the enthusiasm and satisfaction that many reviewers have.

        “Choice Home Warranty feels like part of the family and they always care about you and your property,” according to Mohamed from Wilsonville. “I had two incidents and they were very fast to respond and assign the proper help. I would definitely recommend them to family and friends!”

        Christina from Amity got multiple issues fixed and reported that she “only had to pay $65!!!” She said in her review, “Thank you CHW!!! I recommend everyone to get a home warranty with Choice Home Warranty!!! They are the best!”

        Some customers have had issues with customer service, including unsolicited calls and difficulty reaching representatives.

        Our pick for low service fees

        Select Home Warranty

        3.0
        14,418 reviews
        Plans available
        3
        Service fees
        $60 or $75
        Starting costs
        $60.42

        Select Home Warranty provides home service plans for multiple types of homes, including rentals, mobile homes and condos. These plans cover all makes and models of properly maintained appliances, and you don’t need a home inspection before your coverage starts. Select Home Warranty doesn’t limit the number of covered repairs during your coverage term. All claims can be filed on its website or by email.

        We’ve compared this company’s plans based on select coverage items below.

        While its review data isn’t as robust as our top overall pick’s, Select Home Warranty actually has the best ratio of 5-star to 1-star reviews of any of our picks for Oregon. Local reviewers like the price and often praise the company for its customer service.

        “The sales representative was great, very informative, and helped me get the right product while helping me ensure I was able to get the best price for the products I needed,” wrote Geoffrey from Aurora. “I was so happy I am adding more homes, and I already passed on the information to another investor.”

        Dean from Portland reported that “Bruce, in customer service, was professional and detailed in explaining the many options they had available before finalizing the transaction. Overall I highly recommend Select Home Warranty for your home warranty service.”

        A few reviewers say canceling their policy was difficult, noting that they faced unexpected fees and resistance from the company.

        Our pick for fast service

        First American Home Warranty

        4.3
        8,570 reviews
        Plans available
        3
        Service fees
        $100 or $125
        Starting costs
        $42
        Special Offer

        $100 off with code PROTECT

        $100 off a home warranty with code PROTECT

        First American Home Warranty provides nationwide home warranty coverage with flexible payment options, and it covers home appliances of all ages. You can submit a claim online or by calling a representative. Normally, a First American technician will initiate service within 48 hours.

        We’ve compared this company’s plans based on select coverage items below.

        First American Home Warranty has good reviews in Oregon, and mentions of the company’s fast service are common.

        “I called to get my garage opener repaired, the call was handled quickly,” reported Leona from Donald. “A technician was dispatched in a timely manner and was very friendly, went to work right away and finished within the hour. We are happy that we signed up with First American Home Warranty.”

        Christine from Woodburn has had similar experiences: “I have called First American on two different occasions. Both times I had the pleasure of talking with a live person who was courteous and eager to get my problem resolved. They promptly contacted a repair company, and that company promptly contacted me to schedule a date for diagnosis and repairs. Based on this I will be renewing my contract with First American this coming fall.”

        A few reviewers on ConsumerAffairs have complained about unhelpful contractors and difficulty getting claims approved.

        portland oregon skyline

        How to pick from the best home warranties in Oregon

        Home warranties don’t cover weather events in the way homeowners insurance does, but your environment can put extra wear and tear on your property. 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.

        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.

        Oregon home warranty FAQ

        How much does a home warranty cost in Oregon?

        Oregon residents usually pay between $36 and $90 per month for a home warranty plan from one of our top picks, not including add-ons or discounts.

        Plans on the higher end of the range often include lower service fees and a longer list of covered components. They may also have higher coverage limits or additional features.

        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

        ConsumerAffairs carefully collects in-depth, verified reviews to tell each customer’s experience with a company. We believe customer experiences are a crucial indicator when evaluating companies, so these reviews are a significant factor when selecting our top picks.

        To choose the top home warranty companies in Oregon, we started with the 26 popular providers listed in our main home warranty guide. First, we narrowed it down to the ones available in Oregon. We then weighted several key features to get our final rankings:

        • 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 charged to send a technician to your house to ensure our top picks are in line with industry standards.

        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?

        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 Oct. 22, 2024.
        2. Oregon Association of Realtors, “ Oregon Property Buyer Advisory .” Accessed Oct. 22, 2024.

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