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Best Home Warranty Companies In Oregon
Compare Top Home Warranty Companies in Oregon
To help you identify the best home warranty companies for you in Oregon, our editorial team scored a plethora of providers against numerous data points like monthly premiums, plan specs, consumer sentiments and more.
Our Picks for Top Oregon Home Warranty Providers
ARW Home
Best Value
ARW Home
Editor’s Take
ARW Home has three plans designed to protect your Oregon home’s systems and appliances. One plan, the Kitchen Plus Plan (which starts at $39.99), focuses on kitchen systems and appliances. Its remaining plans, the Platinum Plan and Platinum Plus (which start at $64.99 and $74.99), combine more home systems and appliance coverage, with the top plan being the most comprehensive.
Learn more: ARW Home review
Why We Picked It
ARW Home offers concise, easy-to-understand plans that allow Oregon homeowners to select coverage based on their priorities and home needs. The company also provides valuable add-on options, including pool and spa coverage, as well as water and sewer line protection, making it a strong contender for homes with more complex needs.
Why We Like It
The company offers a much higher annual limit of $5,000 versus the $2,500 limit that is the industry standard. Throughout the year, customers can opt into discounts like one or two months free when they sign up for a 12-month warranty plan. The three plan tiers offer a tailored function, like Kitchen Plus, its most basic plan, which focuses on kitchen appliances.
What We Don’t Like
With this company, you’ll be subject to a $45 cancellation fee, and some customer reviews mention needing to cancel by mail. If this is something you’re concerned about, we recommend asking about the policy before signing on.
Who It’s Best For
ARW Home is an ideal choice for Oregon homeowners seeking kitchen-focused coverage or homeowners with older homes who want a plan that doesn’t penalize them based on the age of their appliances or systems. Its customizable coverage makes it ideal for buyers who want to ensure the essentials are covered while also having the option to expand.
Consumer Sentiment Index and Survey Results
Pros & Cons
- Freedom to choose your own technician
- Kitchen-specific coverage at a competitive price
- Policies include 24-to-48 hour response time
- Must cancel via a mailed-in request
- $45 cancellation fee may feel steep for some
ARW Home Plans and Coverage
- Kitchen Plus: ARW Home’s basic plan starts at $39.99 and provides targeted coverage for key kitchen systems and appliances, including refrigerators, garbage disposals, electrical systems and water heaters. Service fees are said to range from $55 to $125, though we’ve seen $125 as a flat-rate service fee as well, so we recommend reaching out to the company directly for exact pricing.
- Platinum: This balanced plan generally starts at $64.99 per month and includes coverage for home systems such as HVAC, electrical, water lines, plumbing and more. This plan offers more inclusive protection than the Kitchen Plus plan.
- Platinum Premier: ARW’s most complete plan begins at $74.99 per month and adds to the Platinum Plan by including humidifier and ductwork coverage, which could be a smart fit for homeowners who want the most protection possible.
Add-On Options:
- Spa or pool coverage
- Electronics package
- Sewer line
- Water line
2-10 Home Buyers Warranty
Best for Customization
2-10 Home Buyers Warranty
Editor’s Take
2-10 Home Buyers Warranty provides a thoughtful range of home warranty plans made for Oregon homes. Whether you’re managing a rental property, building a home or relocating into one, this provider offers packages starting at $32 that range from essentials-based plans to all-around coverage options for full protection.
Learn more: 2-10 Home Buyers Warranty review
Why We Picked It
2-10 Home Buyers Warranty shines in Oregon for its affordability and flexibility of plan structure. Customers can adjust their premium by selecting a higher or lower service fee level depending on their financial preferences. A unique element among companies that 2-10 offers is tailored coverage for those selling their home during the listing period. The company also offers policies that support home builders.
Why We Like It
2-10 Home Buyers Warranty offers customers the opportunity to drill down on which aspects of a home warranty they care about. Want a low premium? You have the option to choose a higher service fee. Really want protections for your kitchen appliances? 2-10 has a plan for that. We also noted some of the more unique aspects of the company, like its protection of filters and alarm systems with its most comprehensive plan.
What We Don’t Like
While this company offers building flexibility, you’ll need to ask permission before agreeing to repairs. Be aware that those cancellation terms are not especially forgiving. There’s a $25 fee in the first 30 days, which jumps to 10% of the full contract after that.
Who It’s Best For
2-10 Home Buyers Warranty can be an excellent choice for Oregon homeowners seeking as much cost control and coverage flexibility as possible. It’s especially well-suited for those who want to balance monthly premiums with service fees and value contractor choice.
Consumer Sentiment Index and Survey Results
Pros & Cons
- Adaptable monthly costs via service fee adjustments
- Approval-based technician selection is permitted
- Seller-specific and builder-inclusive plan options
- Must request authorization for out-of-network contractors
- Cancellation fees increase sharply after the initial 30 days
2-10 Home Buyers Warranty Plans and Coverage
- Simply Kitchen: A centralized plan for kitchen essentials such as a refrigerator, main kitchen appliances, microwave oven and stove range, starting at $32 per month and ranging to $41, depending on your selected service fee.
- Complete Home: This blended option has both system and appliance coverage, including home systems and kitchen networks, for between $52 and $61 per month.
- Pinnacle Home: The most fully-enabled plan builds on Complete Home with additional compatibility like washer and dryer coverage and perks like alarm system protection.
Add-On Options:
- Well pump
- Water softener
- Saltwater pool
- Washer and dryer
- Luxury coverage (increases payout limits)
- HVAC surplus (max HVAC coverage)
- Garage door opener
- Extended pipe leak
- Freshwater pool
- Roof leak
- Septic system
- Additional freezer
- Additional wet bar refrigerator
- Additional wine cooler
- Second additional refrigerator
- Second additional wine cooler
- Second additional freezer
- Second additional wet bar refrigerator
- Supreme (additional coverage)
- Preseason HVAC tune-up
American Home Shield
Best for Unique Home Features
American Home Shield
Editor’s Take
With over five decades worth of service, American Home Shield is certainly a tenured provider with a “been there, done that” reputation that precedes it. Homeowners can rely on three flexible coverage options that start at $29.99 and climb up to $79.99 for the company’s highest tiered package.
Learn more: American Home Shield review
Why We Picked It
American Home Shield allows Oregon customers to choose between monthly or annual payment options. We appreciate that customers can choose a systems-only plan with this company, as well as combination plans with different degrees of coverage. Its starter plan is also one of the cheapest on our list, making it a budget-friendly way to get coverage. It even includes heating and cooling coverage, which can come in handy in Oregon as the weather can get extremely cold.
Why We Like It
American Home Shield stands out in Oregon with interesting offerings such as coverage for code issues and preexisting defects. The company also extends protection to those in mobile homes, condos and manufactured homes. The company typically processes claims in Oregon within 24 to 48 hours and includes an optional video diagnostics feature to help speed up repairs. Even the lowest plan includes HVAC coverage, a vital asset during Oregon’s extreme climate.
What We Don’t Like
While the company does allow you to work with your preferred technician, getting that approval can be challenging. Also, if you cancel after the initial 30-day window, expect an administrative fee equal to one month’s payment.
Who It’s Best For
American Home Shield is well-suited for policyholders in Oregon with alternative residences such as condos or manufactured homes—and for anyone seeking enhanced appliance coverage caps without giving up plan flexibility.
Consumer Sentiment Index and Survey Results
Pros & Cons
- Among the most affordable entry-level plans
- Protects condos and manufactured homes
- Preexisting conditions and code violations covered
- Technician approval process can be slow
- Expect to pay a fee if you cancel after 30 days
American Home Shield Plans and Coverage
- ShieldSilver: AHS’s entry-level plan covers 14 essential home systems, like HVAC and AC systems, as well as electrical systems, all for about $30 monthly.
- ShieldGold: ShieldGold protects 23 home systems and appliances, like laundry machines and kitchen appliances. It starts around $50.
- ShieldPlatinum: The top plan at AHS will cost you $80 to start out and layers in a $4,000 appliance repair buffer, a $1,000 roof leak allowance and a yearly HVAC tune-up.
Add-On Options:
- Home electronics package
- Well pump
- Guest units up to 750 square feet
- Roof leak
- Septic pump
- Pool and built-in spa equipment
Home Warranty of America (HWA)
Best Service Response Times
Home Warranty of America (HWA)
Editor’s Take
Home Warranty of America is a longstanding provider offering home warranty plans starting at roughly $47 per month. With just dual coverage tiers, HWA caters to homeowners looking for straightforward protection. Customers can expect flexible service call pricing between $75 and $100, depending on their plan choice. The company’s roots go back to the mid-’90s, making it one of the more experienced names in the industry.
Learn more: Home Warranty of America review
Why We Picked It
We appreciate that this provider offers add-on coverage for more unique home items like water softeners and issues like code violations. Both of its plans also include coverage of home systems and appliances, and don’t have age limitations on the items they cover.
Why We Like It
We like that HWA keeps things clear-cut with plans that cover the basics right out of the gate. The second-tier option brings in appliances like your home laundry setup and air conditioning, which is a smart inclusion. Service fees are tiered, so you can manage what you pay. Plus, the GreenPlus add-on is a standout feature for those interested in sustainable upgrades.
What We Don’t Like
With HWA, you won’t be able to use your own contractor, as the company assigns someone from its in-network list. And if you’re looking for a plan that covers only appliances or only systems, it may not be the company for you. It’s not always a drawback for everyone, but it is worth mentioning.
Who It’s Best For
This company can be a good choice for those who need a simple plan that protects both appliances and systems.
Consumer Sentiment Index and Survey Results
Pros & Cons
- Offers eco-friendly coverage
- Serves homeowners in every state
- Choose your service cost
- Base plan doesn’t include AC
- Only two plan levels
- Can feel generic if you need more specialized protection
Home Warranty of America (HWA) Plans and Coverage
- Select: With the Select Plan, you’ll get basic coverage for eight systems and appliances, though what “basic” coverage is will vary for each, so be sure to research. You’ll also get coverage for things like ceiling fans, exhaust fans and garbage disposals.
- Select Plus: For upgraded coverage for those nine home items, you’ll want to choose the Select Plus Plan. This plan also adds on items like an AC system and a washing machine.
Add-On Options:
- Well or septic pump
- Septic system
- Pool and spa
- SEER modification
- GreenPlus
- OrangePlus plan coverage including:
• Increased maximum coverages
• Permits
• Re-keying
• Code violation
• Disposal
• Water softener
Liberty Home Guard
Best Cost and Plan Options
Liberty Home Guard
Editor’s Take
Although it only has an eight-year track record, Liberty Home Guard is a favorite among customers. The company has three plans, including one focusing on appliances, one centered on home systems and one offering coverage for both. With multiple options for service fees as well, you can pick a plan combination that best fits your budget.
Learn more: Liberty Home Guard review
Why We Picked It
Liberty Home Guard made our list because it gives customers the option to choose their own contractor (something not all providers allow). We also liked that it supports rental properties under its plans. That kind of flexibility earns extra points for homeowners with unique living situations.
Why We Like It
What we like most is how much you can add on. Liberty offers one of the most customizable lists of extras, from second refrigerators to light fixture coverage. It’s rare to find those kinds of options in a standard home warranty. Plus, Liberty lets you get in touch through phone or chat, which is helpful when something breaks and time matters.
What We Don’t Like
Liberty Home Guard’s cancellation fee is $50, which can be a little pricey. Additionally, its plans are subject to a $2,000 maximum payout per covered item, so you’ll need to pay attention to your claims.
Who It’s Best For
Liberty is ideal for homeowners who want options they can tailor. Whether you’re interested in major systems, you can pick a plan that lines up with your budget. It’s also a solid choice for anyone with more than one property.
Consumer Sentiment Index and Survey Results
Pros & Cons
- Appliance-only and systems-only options
- Ability to hire your own technician
- More optional coverage than most providers
- $50 cancellation fee applies
- Coverage per item is limited
Liberty Home Guard Plans and Coverage
- Appliance Guard: For appliance-focused coverage, Liberty offers the Appliance Guard plan. You’ll get coverage for nine appliances, such as refrigerators, ranges and cooktops and ceiling fans. Your monthly premium with this plan will start at $49.99.
- Systems Guard: If you’re more focused on systems coverage, this plan can be a good choice. You’ll get protection for electrical, plumbing and heating coverage, which is a good consideration for Oregon and its extreme temperatures.
- Total Home Guard: For combined coverage, Liberty also lists the Total Home Guard plan, which protects your home systems and appliances. With this option, you’ll get coverage for home features like fridges, ceiling fans and your heating and cooling systems.
Add-On Options:
- Exterior floor power washing
- Instant hot water dispenser
- Swamp cooler
- Window washing
- Gutter cleaning
- Water softener
- Wine cooler
- Water dispenser line
- Second refrigerator
- Plumbing fixtures
- RO water filter system
- In-fridge ice maker
- Roof leak limited coverage
- Re-keying
- Well pump
- Light fixtures
- Central vacuum
- TV mounting up to 65-inch
- TV mounting up to 85-inch
- Stand-alone freezer
- Pest control
- Pool and spa
- Carpet cleaning
- Sump pump
- Electronics protection
- Septic system pumping
- Freestanding ice maker
- Ejector pump
- Trash compactor
- Grinder pump
- Generator
- Guest unit up to 750 square feet
- Saltwater pool
- Automatic lawn sprinkler system
- Additional spa
Other Home Warranty Companies We Considered
- Choice Home Warranty: Choice Home Warranty has been around for over a decade and keeps things straightforward by offering two plans: the Basic Plan and the Total Plan. With the first plan, which begins at roughly $47 per month, you’ll get coverage for common home appliances and systems. The Total Plan starts at $55 and ups the coverage to additional items. However, you won’t be able to pick your own contractor.
- First American Home Warranty: With over 40 years of industry expertise, First American Home Warranty is a seasoned provider providing three specific home warranty plans. The lowest-tier Basic Plan starts at $42 per month and offers coverage for frequently used household appliances. The mid-tier Essentials Plan, at $57, expands important systems coverage like HVAC. For maximum protection, the Premier Plan delivers extended coverage options at $77 per month. Note that First American does not allow homeowners to hire their own service technician, relying instead on its in-network professionals.
- AFC Home Warranty: AFC Home Warranty stands out as a great home warranty company choice thanks to its offering of four policy options—more than many competitors—designed to meet a wide range of homeowner needs in Oregon. Plans start at $41 per month for the Silver Plan, which includes major appliance coverage, and go up to $95 per month for the Diamond Plan, which provides comprehensive coverage for 22 home appliances and systems. You won’t get coverage for preexisting conditions with AFC, though.
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How Much Does a Home Warranty Cost in Oregon?
Based on a current survey of 1,800 home warranty policyholders, 80% of homeowners said they spent between $801 and $900 per year on premium costs—that’s about $70 per month.
While monthly warranty costs typically fall between $27 and $100, the general midpoint lands around $60. But don’t forget to account for service fees in your total spending—they’re what you’ll shell out each time a technician comes out to perform a repair. These typically range from $65 to $150 per visit and can raise your monthly premium depending on the plan’s setup.
Despite these charges, home warranties can save you money if you have frequent repairs, as dishwasher repairs can cost $250 on average.
Your actual home warranty rates in Oregon will vary depending on the plan and provider you sign up with. Plans that offer broad protection or include high-use systems like HVAC tend to be more expensive than entry-level ones. If you want to add coverage for things like roof leaks or corrosion—especially relevant in coastal Oregon—expect to pay more. Still, with freezing winters in the mix, it may be worth paying a bit more upfront to avoid unexpected out-of-pocket repair bills later.
Is a Home Warranty Worth It in Oregon?
A home warranty can be worth it in Oregon, but whether it makes sense for you depends on a few important factors. If you own a newer home where several appliances and systems are still protected under builders’ or manufacturers’ warranties—or if you’re especially handy and comfortable handling your own home issues—a home warranty may feel redundant. But if your home is older and the original warranties have run out, investing in a home warranty could be worth the cost, especially when it comes to unexpected repairs.
Home warranties also provide peace of mind when HVAC-related issues occur. If your heater dies in the middle of a freezing Oregon winter, your provider can quickly send a trusted technician to complete the repair. As long as the issue is covered in your policy, all you’ll owe is the service fee—no surprise bills.
How To Choose a Home Warranty in Oregon
Selecting a home warranty plan is a personal decision dependent upon your specific needs, your home and the systems and appliances you want to protect. That said, every homeowner can keep a few factors in mind to make the best possible home warranty call. Additionally, there are certain considerations that Oregon homeowners should pay extra attention to when comparing plans.
Coverage of Your HVAC System
Most home warranty companies offer solid coverage for your HVAC system (a.k.a the heating, cooling and ventilation system). Even if you aren’t in a specifically hot part of Oregon, those one-off heat waves and winter chills can quickly remind you how crucial an efficiently running HVAC system is. HVAC repair costs can average at $400 on average, though it hinges on what needs to be repaired, as the full cost range is $100 to over $2,500. Though these repairs can be expensive, you don’t want to run the risk of your HVAC dying during an extreme winter storm.
Identify the Coverage You Need
In addition to HVAC coverage, you should take a look at your home’s systems and take stock of what’s fairly new (and what may even still be under warranty), as well as what is nearing its breaking point and may need repair or replacement soon. You should also consider the systems that may be quite costly or involved to repair, such as larger appliances and home systems like electrical or plumbing.
Once you consider all of this, compare your list against what home warranty companies cover and which plans fit your budget and coverage needs. By taking a holistic approach and considering your specific coverage needs, you can choose a home warranty plan that is worth your money.
Read Sample Contracts, Coverage Exclusions and Limits
Most home warranty companies will have sample contracts for you to read on their websites. It’s a smart idea to read through these to get a sense of the company’s policies, such as cancellation fees, contract renewal terms, coverage exclusions and limits. For example, a company may mention roof leak coverage, but only those caused by normal wear and tear and only up to $5,000 in damages. It’s good to know about these right away before committing to a company so you can reach out with questions before signing on the dotted line.
Coverage exclusions and limits are particularly important in Oregon, as extreme weather can add wear and tear to home appliances and systems. Keep a close eye on these sample contracts for coverage limits on repairs to systems like HVAC, which can be all the more vital in your location.
Review Your Budget Against Each Company’s Costs
A home warranty plan is only worth it if it fits into your budget. We recommend comparing monthly premiums of every plan you’re considering, as well as service fees. Be sure to look at the plan itself as well as the price to ensure you’re picking the best option based on every factor and not just the premium. This process will help you determine the best home warranty plan for your buck in Oregon.
Check Reviews
Customer reviews will tell you more information about a company than you’d think. If you can, read each company’s customer reviews from the last year or two, ideally on multiple platforms. Consider reaching out to your community, friends, family and neighbors to get their opinions on the companies they work with.
Oregon Home Warranty Regulations
Home warranties are regulated in Oregon by the Oregon Department of Consumer and Business Services. You can find helpful information about home warranty service contracts on the department website and file any complaints there.
What Does a Home Warranty Cover in Oregon?
What a home warranty will cover in Oregon will depend on the company and plan you choose, rather than your location. Some plans focus on home systems like HVAC, plumbing and electrical, others focus on appliances like stoves, fridges and ice makers and other plans combine the two for more complete coverage.
Generally, a home warranty plan will cover repairs based on typical wear and tear for these appliances and systems. So, if your water heater suddenly breaks, and it’s under your plan, the repair may be covered. The easiest way to determine what your home warranty plan covers (and to what extent) is to check your contract and contact your chosen company with any questions.
What Do Oregon Home Warranty Companies Not Protect?
Understanding what your home warranty doesn’t cover is arguably equally important as knowing what it does. As mentioned earlier, home warranty plans never guarantee coverage on all repairs or replacements for systems and appliances mentioned in your plan.
One major factor is why the repair is needed. Home warranty plans typically don’t cover damage caused by external events—like when a tree hits your home or if a coastal flood causes damage. Those kinds of scenarios are usually covered by homeowners insurance, not a home warranty. Likewise, if the issue stems from human error or improper use, your claim may be denied. Home warranties are intended to help problems that arise from normal wear and tear—not for damage caused by accidents or weather events.
Coverage limits are another important consideration. For example, if you live along the coast in Oregon and salty air has corroded parts of your home, your warranty provider may only cover a portion of the repair costs—even if corrosion coverage is included in your plan. Our team recommends reaching out to your home warranty company about what exactly is and isn’t included in your plan.
Forbes Home Warranty Survey Results
To help get a sense of home warranty trends in Oregon and around the country, we surveyed 1,800 homeowners who have been enrolled in a home warranty plan in the last 12 months. Homeowners in the western U.S. gave us the following insights about how they use their plan, how they feel about home warranties generally and the companies they chose.
- Heating was the most commonly covered home system by home warranty plans in the West, followed by electrical.
- 91% of home warranty consumers in the region said they were happy with the result of their service calls.
- If you’re a novice to the home warranty game, you’re not the only one—for 74% in the region, this was their first home warranty plan.
- 74% of people in the West said they plan to re-up their home warranty contract when their plan term is over.
Find the Best Home Warranty Companies in Other States
Looking for a home warranty in a state other than Oregon? Select your state from the list below to find the best companies that cover homes in your area.
Methodology – How We Ranked Home Warranty Companies
To determine the home warranty companies ranking, the Forbes Home editorial team analyzed 19 companies and 58 plans, with each company’s star rating determined by evaluating several metrics and subcategories, including years of experience, signup and restrictions, plan pricing, fees and discounts, coverage features and more. We also utilize our in-house consumer sentiment analysis, which includes over 146,000 first-person insights as well as our net promoter score survey (NPS), in which our team asked over 1,800 policyholders about their home warranty, to come to the conclusion of the best home warranty company.
You can find out more about how Forbes Home rates home warranty companies in our detailed methodology page.
Please note: Products or services on this list may not be shown in order of their star rating. The star rating is determined solely by the editorial team.
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Frequently Asked Questions (FAQs)
Does a home warranty cover existing problems?
A home warranty may cover existing issues, depending on the company you go with, though it’s not guaranteed. The plan you select and overall company policies will dictate whether a preexisting condition can be included in coverage. Chat with a representative about your specific situation.
Is a home warranty the same as home insurance?
Home warranty plans and home insurance policies are separate companies, state regulations and coverage. Home insurance is typically required of prospective homeowners before they can acquire a mortgage. Home insurance also protects your house differently; think natural disasters and fires. Home warranty plans are not required of a homeowner in any state and cover appliances and systems throughout their lifespans.
Who should buy an Oregon home warranty?
Those who are the best candidates for home warranty plans in Oregon are those with older homes that have systems and appliances nearing the end of their life or that you think may need repair within the coverage period. It can also be a good idea to purchase a home warranty plan in Oregon if you don’t feel comfortable handling home repairs yourself.
Those in Oregon may also particularly benefit from a home warranty plan because of the extreme cold, which can put strain on your HVAC system. However, only you can decide if you “should” get a home warranty based on factors like your budget and what home items you want to cover.
Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.