Most of us have heard negative stigmas associated with home warranties, including reports of companies not solving issues as customers expected, disguising exclusions, and technicians that caused new problems. However, finding a good home warranty service can save you thousands of dollars over the course of the contract by protecting and supporting you during a covered breakdown. When things break down, finding a pro can be super intimidating, especially for homeowners who are new to the area. Home warranties will take that step for you, so you don’t have to. 

Our Top Pick
Best for Customization
Limited Time:
$200 Off + 2 Months free + Free Roof Leak Coverage
Best Coverage Limits
American Home Shield Logo
Limited Time:
40% Off Our Most Popular Plan
Best Value
select home warranty logo
Limited Time:
$150 Off (Code HOUSE25)
Best Customer Ratings
Limited Time:
$150 Off + 1 Month Free

Life in 2024 is a new kind of busy, with priorities shifted from constant work to making our time count. Oregon residents are known for riding their bikes, enjoying nature, and visiting a local coffee shop or brewery. When an appliance or a system suddenly breaks down, we don’t always feel like we can put everything on hold to fix it or even support the breakdown financially. This is when a home warranty can be the most beneficial to you — by stepping in and assigning a trusted professional to fix the issue at the cost of only a service fee. 

I have researched many home warranty companies and created a list of the top five best home warranty companies in Oregon by using Today’s Homeowner Review Standards — a unique rating criteria based on coverage, customization options, affordability, customer experience, reputation, and claims process. In addition to using the Today’s Homeowner Review Standards, I also engaged in secret shopping, including calling to speak with representatives, reading through sample contracts, investigating online reviews, complaints, and resolutions, and sifting through brand web pages. I also researched state regulations, incentives, and protections for consumers. Through these processes, I narrowed my list down to my top five best home warranty companies in Oregon so you can easily find a plan that meets your needs and your budget.

Why Trust Us?

Here’s how we ranked and reviewed the nation’s top home warranty companies to bring you the most accurate information.


Our team of experts reviewed over 70 home warranty providers to compare plan options, coverage limits, prices, and customer feedback.


We collected over 100 sample quotes from dozens of home warranty companies to give you an accurate look at industry pricing.


Our rating system scores providers based on 6 key factors: coverage options, affordability, customer experience, reputation, claims processes, and availability.

Read our full Home Warranty Review Methodology for more details.

Table of Contents

    Top 5 Oregon Home Warranty Companies

    Liberty Home Guard: Best For Customization
    • Liberty Home Guard is my top recommendation for home warranty providers in Oregon because they offer extensive customization, emergency services, and customer-chosen service fees, all while maintaining a positive customer reputation. That said, if your home has more luxury appliances and systems, my top recommendation is Elite Home Warranty for their industry standard-breaking coverage limits.
    • We all understand the stress of sudden (and sometimes large) financial burdens. When looking for a home warranty provider in Oregon, be sure to read sample contracts and speak with representatives to find out exactly how the company will support your needs when the time comes.
    • To determine which coverage may be best for you and your home, compare each plan’s coverage and exclusions to the value of the appliances and systems in your home. This will ensure that you are not met with surprise responsibility for repairs and replacements after you have purchased coverage.

    My Expert Recommendation

    Today’s Homeowner Tips
    Though there are several high-quality home warranty companies providing service in Oregon, Liberty Home Guard is my pick for the best home warranty company.

    Though there are several high-quality home warranty companies providing service in Oregon, Liberty Home Guard is my pick for the best home warranty company. Through extensive research and secret shopping, I found that Liberty offers 42 customization options, the most available from any home warranty company. Some of Liberty’s add-ons include carpet cleaning, gutter cleaning, and power washing. Liberty Home Guard also offers emergency services, which could be critical if your AC unit breaks down in the middle of summer. 

    However, if you are a homeowner with more high-end appliances, I recommend that you choose Elite Home Warranty, my second choice. They have some of the best coverage caps I found in my research, including limits of $7,000 for appliances and $8,000 for systems in Oregon. 

    Today’s Homeowner Tips

    Most home warranty companies offer a quote calculator on their websites, and while this is an incredibly useful tool in searching for a provider, some home warranty companies will offer you a lower monthly premium for calling to speak with a representative. Make sure that when shopping for a home warranty, you call to secure all possible discounts.

    Oregon Home Warranty Companies I Didn’t Include

    I did not include Cinch Home Services in this list because of their limited coverage options. While Cinch provides coverage for average appliances, systems, and add-ons, other companies on my list possess similar affordability with many more customization options, like Liberty Home Guard, and even higher coverage limits as well, such as Elite Home Warranty. 

    Another company I did not include on my list is Choice Home Warranty. While Choice offers affordable coverage and excellent customization options, they do not offer roof leak coverage. This may not be a deal-breaker for you, especially when other companies on my list of top five best home warranty companies in Oregon include roof leak coverage as an add-on.

    Compare The Highest Rated Home Warranties In Oregon

    CompanyRatingMonthly CostService FeeResponse TimeBBB RatingLink



    12-48 hrs.


    American Home Shield Logo



    24-72 hrs





    48 hours


    choice home warranty logo



    24-48 hrs.


    select home warranty logo



    24-48 hrs.


    AFC Home Warranty logo



    48 hours


    first american logo



    48 hours





    2–24 hrs





    2–24 hrs



    Quote and cost data gathered January 2024. Cost data are updated and monitored continuously.

    Our Reviews of the Best Home Warranties in Oregon

    Best for Customization

    Liberty Home Guard


    Our Rating

    Limited Time:
    $200 Off + 2 Months free + Free Roof Leak Coverage

    I love that Liberty Home Guard offers low monthly premiums with excellent customization options, with over 40 add-ons ranging from coverage for carpet cleaning, a central vacuum, and pro-series appliances to a casita guest unit. Liberty is the only company I researched that provides an exhaustive list of add-ons dedicated to regular home maintenance, like power washing and gutter cleaning. Because of these unique coverage options, if you have home features like pro-series appliances or value regular maintenance on your home, consider taking advantage of Liberty’s add-on opportunities. I also like that Liberty has outstanding customer service and an excellent customer reputation, having received numerous strong reviews on trusted review websites, including Yelp, Trustpilot, and Google. 

    While Liberty’s extensive list of add-ons currently allows customers the most customized home warranty plan on the market, the add-ons are more expensive than the industry average, with many costing between $9.99 and $19.99 a month. To compare, the cost for all add-ons with Select Home Warranty is between $3.33 and $5.83 a month, while many of Elite’s costs around $5.99 a month. Liberty Home Guard offers coverage limits capped at $2,000, depending on the plan of coverage and the appliance or home system that has broken down. This is disappointing, to say the least, and certainly a potential deal-breaker for some. Other providers typically offer coverage limits of at least $3,000, like Elite Home Warranty, which maintains a whopping $6,000 cap.

    Liberty Home Guard is the best home warranty company for you and your home if you value customization and a wide range of plan options. Using Today’s Homeowner unique ranking system, Liberty earned a score of 9.3 — the highest of any home warranty company for many reasons, including its unmatched customization options. Liberty offers 42 add-ons for you to take advantage of, including carpet cleaning, pest control, and gutter cleaning, which I have not seen other companies offer. Liberty Home Guard takes plan customization a step further by asking their customers to reach out to them if something they want protection for is not currently covered. Liberty asks that you provide the make and model of your system or appliance and claim they will “make every effort to determine if we can provide you with specialized coverage for those items.” Liberty Home Guard also has helpful and effective customer service, proven by excellent reviews online, an easy quote process, and an efficient claims process. 

    One thing I do not like about Liberty Home Guard is that their service fees are not clearly listed when requesting a quote online. Other companies on my list include service fee options in the quote calculator tool offered on their websites, but I had to sift through a sample contract to find Liberty’s service fee options. Another aspect of Liberty Home Guard that I dislike is their lower coverage caps of $2,000, which is below average for this industry. Suppose your home has luxury appliances or systems. In that case, I encourage you to choose Elite Home Warranty for their unique and above-average coverage limits of up to $6,000 for appliances and up to $10,000 for systems. That said, neither of these issues would be a deal-breaker for me. If you don’t require higher coverage caps, Liberty Home Guard is my top pick for a home warranty plan in Oregon because of its customization options, affordable monthly premiums, and great customer service. 

    I like that Liberty Home Guard offers three plans — an industry standard — including an appliance plan, a systems plan, and a comprehensive plan combining both home systems and appliances, all along with their extensive add-on list. Liberty is by far the best company for customization of your coverage, allowing you to personalize your plan to fit your needs, including the option for specialty services like pest control, unique appliances, and coverage for casita guest spaces. Liberty also offers a 60-day workmanship guarantee, which is double the industry standard, giving you extra protection in case a contractor does not provide the best quality of work on your home. 

    Personally, I would choose the Total Home Guard plan so that both my home systems and appliances are covered, especially because it costs only $10 more than the basic appliance plan based on the quotes I received. 

    When shopping for a quote, the customer representative offered me two months free if I opted to pay annually, which would save me between $100 and $120 a year. Liberty’s website also served me a $250 off coupon, so this provider stands out as well for its wide variety of available discounts. Make sure to check the website and call to speak with a representative to secure the best price for your coverage.

    The following table will be a summation of all the plans offered by Liberty Home Guard:

    PlanMonthly CostService FeeAvailable Discounts
    Appliance Guard$49.99$65-$125$250 off + 2 months free
    Systems Guard$54.99$65-$125$250 off + 2 months free
    Total Home$59.99$65-$125$250 off + 2 months free

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Portland, Oregon. The cost data presented was accurate at the time of writing.

    Available Add-Ons

    Liberty Home Guard has an extensive list of available add-ons, more than any other provider I have researched. Here are the 42 add-on options and their monthly prices I was quoted at the time of writing:

    • Outdoor/Backyard
      • Pool and Spa ($19.99/mo)
      • Additional spa ($9.99/mo)
      • Lawn and sprinkler system ($9.99/mo)
      • Salt water pool ($23.99/mo)
      • Generator ($19.99/mo)
      • Casita guest unit ($35.99/mo)
    • Electronics
      • Electronics protection ($19.99/mo)
      • TV mounting (up to 65-inch TVs) ($14.99/mo)
      • TV mounting (up to 85-inch TVs) ($19.99/mo)
    • Professional series appliances
      • Pro-series refrigerator ($14.99/mo)
      • Pro-series stand-alone freezer ($14.99/mo)
      • Pro-series range/oven/cooktop ($12.99/mo)
      • Pro-series dishwasher ($7.99/mo)
      • Pro-series microwave ($4.99/mo)
      • Pro-series washing machine ($4.99/mo)
      • Pro-series clothes dryer ($4.99/mo)
    • Optional appliances
      • Central vacuum ($8.99/mo)
      • Stand-alone freezer ($5.99/mo)
      • Water softener ($13.99/mo)
      • Swamp cooler ($14.99/mo)
      • Second refrigerator ($7.99/mo)
      • Trash compactor ($7.49/mo)
      • Ice maker (in fridge) ($3.99/mo)
      • Freestanding ice maker ($14.99/mo)
      • Wine cooler/fridge ($11.99/mo)
      • Water dispenser water line ($4.99/mo)
      • Instant hot water dispenser ($9.99/mo)
      • Reverse osmosis water filter system ($14.99/mo)
    • Home maintenance
      • Limited roof leak ($11.99/mo)
      • Re-key ($9.99/mo)
      • Gutter cleaning ($14.99/mo)
      • Pest control ($14.99/mo)
      • Carpet cleaning ($19.99/mo)
      • Window washing/cleaning ($19.99/mo)
      • Power washing (exterior flooring) ($19.99/mo)
    • Fixtures
      • Lighting fixtures ($7.99/mo)
      • Plumbing fixtures ($7.99/mo)
    • Pumps/Pumping
      • Sump pump ($8.99/mo)
      • Well pump ($12.99/mo)
      • Septic system pumping ($12.99/mo)
      • Ejector pump ($14.99/mo)
      • Grinder pump ($14.99/mo)
    • Most popular add-ons for Liberty Customers in Oregon
      • Pro-series range/oven/cooktop ($12.99/mo)
      • Limited roof leak ($11.99/mo)
      • Sump pump ($8.99/mo)
      • Well pump ($12.99/mo)
      • Septic system pumping ($12.99/mo)

    This is an incredible number of add-on offerings. Despite Liberty’s add-ons being more expensive than competitors, their add-ons give you the ability to cover other home appliances or unique home features not typically covered by home warranties, such as pest control, carpet cleaning, and pro-series appliances. If your home has many of these appliances and features, or you want support in the regular maintenance of your home, I recommend looking into Liberty for its unmatched add-on options.


    Liberty Home Guard’s plans have the following exclusions:

    • Refrigerator
      • Refrigerant 
    • Ranges/oven/cooktops
      • Doors and door seals
      • Sensi-heat burners replaced with standard burners
    • Air conditioning
      • Leaks of any kind
      • Gas AC
    • Electrical
      • CO alarms and smoke detectors and related systems

    Liberty’s add-ons do cover some of these exclusions, such as lighting or some electronics, including TV mounting, so you can receive coverage for some of these items if you opt for those add-ons. In my research, I found that these are industry-standard exclusions, so they would not deter me from working with Liberty Home Guard.

    Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    Liberty Home Guard offers three monthly plans: the Appliance Guard ($49.99/mo), the Systems Guard ($54.99/mo), and the Total Home Guard ($59.99/mo). These are prices I found to be average during my secret shopping, making Liberty an affordable home warranty company. Your monthly premium can become costly when choosing add-ons, which are more expensive than most, with the majority of add-ons costing between $9.99 and $19.99. While Liberty is one of the more affordable options on this list, it scores an 8.9 because customers receive a cancellation fee, and their add-ons are pricier than the industry standard. 

    Keep in mind that Liberty Home Guard offers coverage limited to a $2,000 cap, which is significantly less than other providers like Elite Home Warranty, which has coverage caps up to $6,000 for appliances and $10,000 for systems. That said, if you have unique appliances, such as anything from a Pro-Series line, or want support in routine maintenance, Liberty Home Guard is an excellent choice for its impressive customization options.

    Based on Today’s Homeowner’s unique rating system, Liberty Home Guard scored slightly lower than average for home warranty companies. This score is lower because the company creates many points of contact during and after the quote process. This can be time-consuming and potentially frustrating for the customer, as they may need to repeat information to multiple customer service representatives. I found this to be true in my experience as well. 

    While secret shopping, I also had to dig for Liberty’s service fees. Other companies on this list, like First American Home Warranty and American Home Shield, provide service fees in their quote calculator tool, making it easy to see how service fees will affect your monthly premium. Ultimately, I found the service fee options, but the process did lessen the quality of my customer experience.

    That said, the overall quote process, excluding service fees, was simple and easy. The company offers a service guarantee and a 30-day waiting period for coverage to begin — all great qualities in a home warranty company. Liberty Home Guard provided me with detailed coverage options that I was able to easily and quickly customize with their quote calculator, including selecting add-ons to see how that affected monthly premiums. 

    Liberty Home Guard maintains a high average rating consistently across thousands of reviews — something I have not seen from any other home warranty company. If you are looking for peace of mind in choosing a provider who follows through with its claims, as proven consistently with outstanding customer reviews, then Liberty Home Guard is my top recommendation. 

    Liberty Home Guard’s customer service representatives receive praise for being knowledgeable about the industry and transparent about the company’s coverage options, add-ons, and exclusions. Also highlighted in positive reviews is the company’s fast turnaround time after claim submission, as well as its positive experience while submitting claims. That said, I did find negative reviews reporting long waits for claims, some shady business surrounding service fee fine-print, and insufficient credit given toward repairs. It is important to note that every home warranty company has both positive and negative reviews. Liberty, unlike many other companies, maintains a high percentage of its consumer base that enjoys and appreciates their service enough to leave positive reviews online.  

    Rating SiteRatingNumber of Reviews
    BBBNRCustomer Reviews are not used in the calculation of BBB Rating

    *Under review due to recent complaints as of Feb 2024. Previously an “A+” rating. 

    Editor’s Note: The ratings provided were accurate at the time of writing.

    Note (as of 3/14/24): The Better Business Bureau recently shifted LHG’s A+ rating to “NR.” We reached out to a representative from the Better Business Bureau, and they told us, “This business is not currently rated. BBB has recently received numerous complaints against this business and will issue a rating after it has fully evaluated them.” When asked about whether they revoke ratings after an increase in complaints, the rep said, “Yes, if they feel they need to review the complaints first before issuing an accurate rating.” This scenario has happened to LHG twice in the last two years, but each time the BBB has restored its A+ rating after a thorough review.

    Liberty Home Guard has an average claim response time of 12 hours, the quickest of any home warranty company I researched, and promises to dispatch a technician to your home within 24-48 hours of the filed claim (but does acknowledge that extenuating circumstances may apply). Liberty also offers emergency services, which can be critical when a pipe bursts or an AC system goes out in the summer. These are some major benefits that make Liberty Home Guard stand out, as many of their competitors either don’t offer them or don’t offer them to the full extent that Liberty does. Through my research and secret shopping, I found that customers repeatedly praise the company for its fast and easy claims process, quick payouts, and quality of customer service representatives. Therefore, I can comfortably give a 10 out of 10 for their claims process. 

    Liberty Home Guard is available for coverage in all 50 states and offers a 24/7 live chat feature on their website. Because Liberty is able to operate and make payouts in 50 states, I am confident that working with Liberty provides the opportunity for continued partnership if you move. I was able to find the customer service phone number and email from the home page of Liberty’s website, so contacting an agent any time of day or night is simple and easy. 

    Best Coverage Limits

    American Home Shield


    Our Rating

    Limited Time:
    40% Off Our Most Popular Plan

    In my research, I found that American Home Shield is second only to Elite Home Warranty when it comes to coverage limits, offering limits up to $5,000 for home systems, such as your HVAC system, and $4,000 for your appliances, depending on the plan you choose. This is much higher coverage than other home warranty companies, typically offering between $2,000 and $3,000 for home systems. I also love that American provides an exceptionally user-friendly customer experience through their website. American provides the date that coverage will start if a contract were signed that day when looking at their quote calculator — a small detail that I appreciated. Deciding on a home warranty provider is already a stressful process, and engaging with such a user-friendly website that was easy to navigate with helpful tools is a huge plus.

    I don’t like that American Home Shield has received thousands of negative reviews across reputable review sites like Yelp, BBB, and Trustpilot. Most of these reviews cite issues with slow claim response time, shady business surrounding coverage limits, and a lack of timely responses to emergencies. The low rating averages and amount of negative reviews left across three reputable platforms give me pause about working with American Home Shield. That said, the company is accredited by the Better Business Bureau, which is a comforting fact.

    American Home Shield is either more affordable than other providers or less affordable, with none of their plan offerings aligning with industry standards. Even though the plan I recommend choosing from American is pricier than comparable plans from competitors, few can compete with American’s high coverage limits of up to $5,000 for home systems and $4,000 for appliances. Again, some other companies on my list (Liberty Home Guard and Select Home Warranty) offer coverage limits between $2,000 and $3,000, making this high coverage limit a huge benefit if your appliances or systems are high-end and potentially worth the extra monthly cost.

    My secret shopping experience with American Home Shield was enjoyable, as their website and quoting process were more user-friendly than other companies I researched. That said, I would only purchase the ShieldPlatinum plan because the other two plans they offer are not as comprehensive as some affordable options from other companies that provide similar coverage. If you are a homeowner who is willing to pay a higher monthly premium for a plan with high coverage limits and you don’t need many or unique add-ons, the ShieldPlatinum plan effectively fits your needs.

    American Home Shield offers three plans, each adding on the last. Their plans are as follows: ShieldSilver, covering 14 major systems including heating and cooling systems and plumbing systems; ShieldGold, which encompasses all systems covered by ShieldSilver plus nine appliances, including kitchen and laundry appliances; and ShieldPlatinum, which covers all items from ShieldGold plus roof leak protection, a free HVAC tune-up. ShieldGold also has protection for code violations, permits, and modifications, which is impressive, as these typically are excluded or violate home warranty contracts. A major benefit of the ShieldPlatinum plan is the free annual HVAC tune-up, as regular maintenance can help prevent a system failure during extreme weather conditions.

    American offers Shield Assurance, advertising that older systems and appliances are always covered, and coverage for undetectable preexisting conditions. This is another major benefit to choosing to work with American Home Shield, as both of these are not typically covered by other companies. American will also cover repairs if your system or appliance was improperly installed or has been previously repaired. 

    While American does have higher service fees than average, I appreciate that the company allows two service fee options, $100 and $125, allowing customers further customization of their monthly premiums. When secret shopping, I chose to pay a service fee of $125 to have a smaller monthly premium. 

    The following table will be a summation of all the plans offered by American Home Shield:

    PlanMonthly CostService FeeAvailable Discounts
    Shield Silver$29.99/mo$100- $125$150 off for new members
    Shield Gold$30.00/mo $100-$125$150 off for new members + 40% off ShieldGold 
    Shield Platinum$79.99$100-$125$150 off for new members

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Portland, Oregon. The cost data presented was accurate at the time of writing.

    Available Add-Ons

    These are American Home Shield’s available add-ons and the monthly quotes I received: 

    • Electronics protection plan ($14.99/mo)
    • Guest unit ($44.99/mo)
    • Pool and built-in spa equipment ($44.99/mo)
    • Septic pump ($5.00/mo)
    • Well pump ($8.00/mo)

    American Home Shield’s electronics protection stands out from similar plans from other companies because it covers more, including protection for an unlimited number of new and used electronic devices. This does exclude devices purchased second-hand or sold by a company “as is,” including laptops, headphones, video game consoles, smart home products, and home theaters. As someone who uses their laptop for work, this level of protection is comforting. Be sure to read through the terms and conditions of this add-on and consider potential causes for your electronic devices breaking down before deciding, however, as certain causes of damages are not covered, such as liquid damage or accidental breaking. 


    American Home Shield provides a sample contract on their website that is easy to find and read, making it easy to have a more comprehensive idea of what specifically will be covered and excluded from your plan. Here is a list of the exclusions I pulled directly from the sample contract:

    • Construction, carpentry, and restoration costs 
    • Commercial use limitation
    • Shared items and systems
    • Inaccessible locations
    • Non-standard equipment 
    • Secondary items and services 
    • Cosmetic damage
    • Any feature which is not a primary function of a covered item
    • Improper capacity – if item is incorrect size for the home based on industry standard
    • Misuse and accidental acts
    • Breakdowns, and delayed and/or prevented services due to natural causes
    • Known preexisting breakdown
    • Flues, chimneys, fireplaces, and exhaust lines
    • Power and fuel sources including solar power systems
    • Breakdowns covered by other insurance and warranties 
    • Manufacturer or government recall
    • Hazardous materials including mold
    • Routine maintenance 
    • Smart home systems 
    • Multi-media center
    • Outdoor kitchens

    These omissions are standard compared to other home warranty companies. During my secret shopping, American Home Shield was more transparent with their exclusions than any other home warranty company I researched. These factors are why American Home Shield is one of my top picks for coverage in Oregon.

    Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    American Home Shield is clearly not the most affordable home warranty company. However, ShieldPlatinum costs only $2 more a month than comparable plans from First American Home Shield and offers higher coverage limits. American does offer plans with lower levels of coverage that are comparable in price to those offered by their competitors. Still, I would not recommend them because they are not as comprehensive in coverage as those offered by competitors. Keep in mind that you can keep your monthly premium with American lower by choosing the $125 service fee option while maintaining the security of higher coverage limits than their competitors provide. For example, you could receive up to $5,000 in coverage if your HVAC system breaks down, while other companies offer between $2,000 and $3,000 for HVAC repairs — a repair that averages between $350 to over $3,000. 

    If you prioritize affordability in the form of a low monthly premium, American Home Shield may not be your top choice. However, suppose you are looking for a home warranty plan that offers affordable add-ons, like electronics protection, or has more expensive home systems and appliances with higher replacement or repair fees. In that case, I recommend American for its high coverage limits, even if the coverage comes with a slightly higher monthly premium.

    Sadly, American Home Shield has received a troubling amount of negative reviews across multiple reputable review websites, including Yelp, Google, Trustpilot, and the Better Business Bureau. Many of these negative reviews mention miscommunications with customer service representatives, including a lack of response and reports that agents never received their messages. These are understandably frustrating issues to encounter, especially when they occur during emergencies.

    Despite negative reviews left online, American Home Shield receives 8.4 for customer experience because they offer a service guarantee and provide multiple points of contact after requesting and receiving a quote, meaning you can communicate with the company in various ways. Americans’ plans include a 30-day waiting period before coverage begins. This is standard for home warranty companies, but is potentially a shorter waiting period than Liberty Home Guard’s, offering a waiting period of 30-60 days, depending on the plan. I like that American’s website has all forms of communication listed clearly, making it quick and easy to choose a method that works best for you.

    American Home Shield’s reputation is less than stellar, given its 2.1 Trustpilot rating and 1.0 Yelp rating at the time of writing. The company is accredited by the Better Business Bureau (BBB) but maintains a B rating. While this is a decent rating for a home warranty company, it is lower than its competitors. In my research, I found that most negative reviews focused on the company’s slow speed in finding and sending technicians and contractors, sending ineffective contractors, or not covering what the customer expected to be covered. While the complaints about delays in service are troubling, I realize that complaints regarding lack of coverage are often the result of customers misunderstanding their contracts. Contracts are time-consuming to read, and sometimes, individuals don’t look closely at coverage limitations and exclusions before signing. Therefore, I suggest thoroughly reading through the sample contract that they provide. It’s important to note that American has received positive reviews as well, most praising the company for its excellent coverage.

    Despite the reasoning, reviews leave American Home Shield with a poorer company reputation score than most. It is important to note that American Home Shield has replied to nearly all of their negative reviews, many within 24 hours of the complaint being posted. This gives me confidence that American is open to feedback and makes solving reported issues a priority. 

    Rating SiteRatingNumber of Reviews
    BBBBCustomer Reviews are not used in the calculation of BBB Rating

    Editor’s Note: The ratings provided were accurate at the time of writing.

    American Home Shield uses a fairly standard industry setup for their claims process, allowing customers to submit a service ticket online or call the 24/7 customer service line. Their claims process, while utilizing standard modes of communication, is incredibly user-friendly. You can also use your online portal to track your home repair history and follow up if needed. American’s 24/7 customer service is a huge plus if you are concerned about urgent repairs.

    Because American Home Shield is available in 49 states, excluding only Alaska, the company has proven it is able to sustain payouts and claims in a wide variety of locations and climates, even with offering higher coverage limits than competitors do. 

    Best Value

    Select Home Warranty


    Our Rating

    Limited Time:
    $150 Off (Code HOUSE25)

    A huge benefit of working with Select Home Warranty is that all of their plans remain affordable and come with roof coverage. Select’s choice to offer roof protection with all of their plans make them stand out from their competitors, who provide that protection as an add-on, or with a costlier plan. Select Home Warranty offers monthly rates that are lower than most, meaning you aren’t paying excessive amounts for even their most comprehensive plan. By offering affordable plans, an easy quote and customer service process, and high-quality coverage options, Select is the best value home warranty company providing service in Oregon. 

    I don’t like the limited number of options that Select offers for add-ons, only providing nine, which is less than other companies provide (especially Liberty Home Guard, offering 42). I also don’t like that Select does not provide coverage for unknown preexisting conditions. You may be surprised to find a breakdown uncovered if ruled to be a preexisting condition to the date your coverage starts. In this case, that would be 30 days after your contract is signed. To protect yourself from this potential issue, I suggest having your household thoroughly inspected before signing a contract with Select Home Warranty.

    Select Home Warranty is an affordable provider for Oregon homeowners, offering three plans and some great discount options, making the company stand out as a great option for a more budget-conscious homeowner. Select provides a lower coverage cap of $3,000 for air conditioning and HVAC systems than their competitors, some offering up to $6,000. Because a breakdown in this critical home system could be a huge financial burden for your family, I recommend appraising the value and researching common breakdowns and their repair costs for your HVAC systems before choosing to work with a company offering lower payouts for that breakdown, like Select Home Warranty. 

    If I were to purchase home warranty coverage through Select Home warranty, I would opt for their most comprehensive plan, the Platinum Care Plan. This plan costs only slightly more than the other two plans offered by Select and provides much more coverage on more types of appliances and systems. Select Home Warranty is a great choice for its overall value, cheaper monthly rates than competitors, and low-cost service fee options if your home has standard systems and appliances. However, if your home has higher-end appliances or you have specific needs for add-on coverage, I advise working with other companies like Liberty Home Guard, which offers more comprehensive coverage and extensive add-ons, or Elite Home Warranty, which offers incredibly high coverage limits.

    Select has three available plans, one covering appliances, one covering systems, and one providing comprehensive coverage for both appliances and systems. Select is similar to other companies on this list as their single coverage plans, Gold Care or Bronze Care, don’t cover much on their own. If I chose to partner with Select Home Warranty to keep my home covered, I would choose its Platinum Care plan, which covers appliances and systems. Based on the quotes I was given at the time of writing, the Platinum Care plan is only $2 more than the single coverage plans, adding a substantial amount of coverage for an affordable price. 

    When secret shopping, Select offered me a discount for signing a contract the same day, and this discount is included in my premium quotes below. The deal provided savings of $16 for the first month of coverage. While this sale may not still be going on when you begin shopping, Select regularly offers a $150 coupon on its website, along with two months of free coverage when you purchase coverage annually, which is an excellent deal. Of the positive reviews posted online for Select Home Warranty, a large number praise Select for creating positive experiences with representatives and sales agents with purchasing plans. One even complimented a sales agent for helping them save money by finding the right plan.

    The following table will be a summation of all the plans offered by Select Home Warranty.

    PlanMonthly CostService FeeAvailable Discounts
    Gold Care$44.42$75$150 off + 2 months free + Free Roof Coverage
    Bronze Care$44.42$75$150 off + 2 months free + Free Roof Coverage
    Platinum Care$47.75/mo$75$150 off + 2 months free + Free Roof Coverage

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Portland, Oregon. The cost data presented was accurate at the time of writing.

    Available Add-Ons

    Select Home Warranty has a short list of add-ons that include standard offerings that are affordable. These are the add-ons and quotes I received for a two-bedroom, single-family home in Portland, Oregon:

    • Central vacuum ($3.33/mo)
    • Lawn sprinkler system ($5.83/mo)
    • Pool ($8.33/mo)
    • Roof leak ($0/mo)
    • Septic system ($5.83/mo)
    • Spa ($5.83/mo)
    • Stand-alone freezer ($3.33/mo)
    • Sump pump ($3.33/mo)
    • Well pump ($3.33/mo)

    While this list of add-ons is shorter than some other companies on this list, like Liberty Home Guard and Elite Home Warranty, it seems that Select has chosen to include add-ons that the average homeowner may need at affordable rates.


    Here are notable exclusions from the company:

    • Range hood
    • Solar heating systems
    • Water softeners
    • Hot tubs
    • Clogged pipes
    • Sealed systems

    I found these exclusions to be typical for the industry.

    Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    Select Home Warranty offers comprehensive coverage at more affordable monthly rates than some of their competitors, with the most comprehensive coverage typically costing $80+ per month compared to Select’s $40. Keep in mind that I was quoted rates with a discount, and your quote may be slightly higher. I also love that Select allows you the option to further customize your monthly premium with two incredibly affordable service fee options, $65 and $75. This is unique to Select, as most other providers charge $100 or $125 per service, leaving Select customers with savings of up to $60 on service fees alone. As I stated before, if your home has average appliances and you want budget-friendly coverage, Select Home Warranty may be the company for you. 

    Select Home Warranty earns an 8.1 for customer experience, an above-average score. They have an exceptionally user-friendly website, a quick and easy process to attain a quote (including providing breakdowns of every plan that were easy to follow), educational content to help customers research and make more informed decisions, and a customer service phone number on every page for quick help if needed. Their website is uncluttered, clearly labeled, and much easier to navigate than their competitors. I appreciate that acquiring a quote was quicker compared to other home warranty companies and that they didn’t pressure me with excessive phone calls, emails, and texts like other providers frequently do. 

    The Better Business Bureau (BBB) has given Select Home Warranty a B rating, which is decent for a home warranty company, and has received mixed reviews from customers across multiple reputable review websites. Most positive reviews I read discussed positive customer service experiences when selecting coverage and signing contracts and highlighted a quick and painless claims process. Alternatively, negative reviews report low reimbursement rates, issues surrounding claim fulfillment, ignored communication when attempting to cancel coverage, and inadequate technicians who worsened appliance issues. One review even began as a five-star rating, discussing customer service experience, and was later changed to one star due to their negative experience with claim fulfillment. 

    Despite negative reviews, Select upholds a positive average customer reputation rating across several review websites, meaning that customers consistently report both positive and negative experiences with the company. When researching the company, I found that customers usually leave reviews when they’re especially happy or unhappy with their service. I highly advise reading through the reviews if you are drawn to the company for its affordability but concerned by its reputation. 

    Rating SiteRatingNumber of Reviews
    BBBBCustomer Reviews are not used in the calculation of BBB Rating

    Editor’s Note: The ratings provided were accurate at the time of writing.

    Overall, Select received a 7.6 rating because they have an average response time of around 48 hours for non-emergency claims. This is a slower response time, especially compared to Liberty Home Guard, which promises a 12-hour response time and a standard number of ways to open a claim. That said, the claims process with Select Home Warranty is straightforward — you can either submit a claim online or over the phone. Select will then work with you to schedule a technician to visit your home and assess the appliance or system that has broken down. 

    Select Home Warranty is the only home warranty company on my list that offers coverage in all 50 states, including the District of Columbia. Select has an overall positive customer satisfaction rating throughout the country, assuring homeowners that Select Home Warranty will support them when they need it in any location throughout the nation. 

    Best Customer Ratings

    Elite Home Warranty


    Our Rating

    Limited Time:
    $150 Off + 1 Month Free

    My favorite aspect of Elite Home Warranty is their unmatched coverage limits, offering caps of up to $8,000 in Oregon, depending on your chosen coverage. Elite also stands out to me for its online review ratings ranging from 4.5 to 5 stars across multiple reputable platforms, including Yelp, Google, and Trustpilot. Compared to Elite’s other competitors, having received average ratings closer to two to three stars online, it is clear that Elite has remarkable customer satisfaction. I also love that Elite Home Warranty offers a claims concierge, serving as a single point of contact from start to finish during the claims process, and a 90-day workmanship guarantee, which is higher than most other home warranty companies.

    While the list of available add-ons offered by Elite Home Warranty is not as impressive as Liberty Home Guard, its plans and add-ons are incredibly affordable. Elite Home Warranty is an excellent option for homeowners looking for reasonable prices and great coverage, but especially for those with luxury appliances. I also appreciate that Elite Home Warranty was accredited by the Better Business Bureau, having received an A+ rating from the organization. 

    I am disappointed that Elite Home Warranty plans lack coverage for emergency services, as many industry providers consider offering emergency services a standard practice. This could easily be a deal-breaker for a customer, especially in the case that a pipe bursts or your heating system fails in the winter. I advise that you carefully consider your potential need for emergency services before choosing to work with Elite Home Warranty. Another con is that Elite excludes commercial-grade appliances from all their plans. While a lack of emergency services might lead me to work with another company, commercial-grade appliance exclusions would not be a deal-breaker for me personally.

    Elite Home Warranty has some of the best coverage limits in the industry, providing system payouts as high as $8,000 and appliance payouts as high as $7,000. Most other providers I have researched offer coverage limits between $2,000 and $3,000, so Elite stands out to me as one of, if not the best, in the industry for coverage limits. If you own high-end or luxury appliances, prioritize higher coverage caps, or have more appliances or home systems than the average homeowner, I recommend working with Elite Home Warranty, ensuring that you are able to capitalize on their above-average coverage limits.

    That said, if having emergency services in your home warranty coverage is a priority, I do not recommend working with Elite. While Elite does have 24/7 customer service, you cannot easily receive emergency services after hours or on weekends. This could be a major deal-breaker for Oregon homeowners and is a setback for the company.  

    Elite Home Warranty offers three plans, including one for systems, one for appliances, and a comprehensive plan called Elite Complete, which is my choice because of its outstanding coverage.

    While this plan setup (three plans covering appliances only, systems only, and both systems and appliances) is the industry standard, Elite Home Warranty stands apart because of their unmatched coverage limits. Elite’s coverage caps are significantly higher than the industry average, which is around $2,000 to $3,000. As I said before, Elite offers coverage on appliances up to $7,000 and home systems up to $8,000 in Oregon. These are outstanding coverage caps that I have not seen any other home warranty company match.

    While secret shopping, I was offered a 30-day free trial for the policy I chose and $150 off the annual cost if I called to speak with a representative and scheduled coverage. Because of this, I advise calling Elite to secure the lowest possible price for your home warranty coverage with Elite.

    PlanMonthly CostService FeeAvailable Discounts
    Elite Complete$59.99$75$150 off + 1 month free
    Elite Appliances$44.99$75$150 off + 1 month free
    Elite Systems$49.99$75$150 off + 1 month free

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Portland, Oregon. The cost data presented was accurate at the time of writing.

    Available Add-Ons

    Here are all of Elite Home Warranty’s available add-ons and their annual prices:

    • HVAC annual maintenance ($299.99/yr)
    • Pool and spa equipment ($199.99/yr)
    • Pool equipment ($149.99/yr)
    • Freestanding spa equipment ($119.99/yr)
    • Generator ($99.99/yr)
    • Limited roof leak repair ($99.99/yr)
    • Septic system ($129.99/yr)
    • Sump pump ($99.99/yr)
    • Well pump ($99.99/yr)
    • Ejector pump ($99.99/yr)
    • Grinder pump ($99.99/yr)
    • Lift pump ($99.99/yr)
    • Lawn sprinkler system ($99.99/yr)
    • Service line ($349.99/yr)
    • Freestanding freezer ($59.99/yr)
    • Central vacuum ($49.99/yr)
    • Jetted/hot tub ($99.99/yr)
    • Wine cooler ($69.99/yr)
    • Freestanding ice maker ($59.99/yr)
    • Water softener ($99.99/yr)
    • Water filtration system ($99.99/yr)
    • Attic exhaust fan ($69.99/yr)
    • Swamp cooler ($149.99/yr)
    • Guest house ($299.99/yr)
    • Premium appliances ($249.99/yr)
    • Premium systems ($299.99/yr)
    • Premium systems plus ($499.99/yr)
    • Premium benefits ($199.99/yr)
    • Geothermal heating and cooling system ($299.99/yr)

    I found that Elite offers more add-ons than most providers in the industry, second only to Liberty Home Guard. I like that Elite customers have the option to purchase additional coverage for premium appliances and systems with the confidence supported by high coverage limits. If you own expensive appliances or systems, including luxury appliances, I highly recommend Elite Home Warranty for their above-average caps. 


    These are exclusions from Elite Home Warranty plans:

    • Natural disaster-related damages
    • Acts of God
    • Commercial-grade appliances
    • Units in a rental property
    • Cosmetic damages
    • Lack of maintenance

    These service contact exclusions are in line with other companies that I have researched. Elite is transparent about their service fees, thankfully, clearly disclosing additional fees of up to $150 for servicing professional-grade appliances and for service calls during weekends or after hours. While this may not be a deal-breaker for you, it is important to note that these extra fees are not common practices among many other providers. 

    Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    Elite Home Warranty offers three plans that are all within industry standard pricing. That said, the process of determining a monthly premium after add-ons, which significantly impact the cost, was slightly frustrating as they provide add-on pricing per year. I recommend speaking with a representative over the phone to make this process easier and more clear.

    After doing some math, I determined that Elite’s add-ons cost an average of $15-$20 a month each, which is standard across the market for what they offer, making them an affordable option for added protection. I love the added security that their free-month offer gives, which even comes with a discounted service fee of $70 and a cancellation period. This is the only company I have seen give out this offer, and it provides near risk-free space to determine if Elite will be the best fit for you and your home needs.

    As a secret shopper, my initial experiences with Elite were slightly frustrating. Their website was difficult to navigate, and their reps contacted me multiple times a day to confirm my coverage. They also bury add-on pricing, as I could only find prices in a sample policy that my assigned customer service representative provided in an email after receiving my request for a quote. Thankfully, these are characteristics that seem to be unique to Elite Home Warranty, as most other providers clearly disclose add-on prices and include them in their quote calculator for customers to use. Experiences with Elite are more positive when calling and speaking with a representative, so that is my recommendation. However, Elite does make it easy to opt out of receiving communication through a button on the home page of their website — a rare but welcome feature.

    While Elite’s customer experience score is lower because the company utilizes many points of contact during the quote process, the company maintains a number of positive reviews online across multiple reputable review platforms, including Yelp, Trustpilot, BBB, and Google. Positive reviews praise lower service fees and positive experiences with customer service representatives, both before and after their issues were resolved. They also indicate better experiences compared to working with other home warranty companies previously. 

    When compared to other providers, Elite Home Warranty possesses much higher scores. However, it is important to note that Elite has significantly fewer reviews than other companies, with less than 50 total reviews on two reputable review websites each (Yelp and Trustpilot) and under 150 reviews on Google. I mostly base this score on the quality of the reviews; however, the low quantity lessens it in this case. Even so, because Elite Home Warranty has been rated A+ and is accredited by the Better Business Bureau (BBB), I have confidence in the company’s service and follow-through with its customers.

    Positive reviews highlight a quick and easy claims process and service follow-up. Other positive reviews state appreciation for the attention received by customer service representatives throughout the process to ensure repairs are complete to the homeowner’s satisfaction and not pressure them into a plan during the shopping stage. Alternatively, negative reviews share that they found the level of communication during the sales process to be aggressive, and one discusses a homeowner witnessing potentially rude communication between an Elite Home Warranty representative and a technician. However, because Elite has a BBB rating of A+ and accreditation, the few negative reviews do not affect my opinion of the company. I also appreciate that Elite routinely responds to negative comments left on multiple platforms, sharing details of the situation and discussing the resolution, making me confident that Elite wants to work to resolve negative experiences.

    Rating SiteRatingNumber of Reviews
    BBBA+Customer Reviews are not used in the calculation of BBB Rating

    Editor’s Note: The ratings provided were accurate at the time of writing.

    Elite Home Warranty has a below-average claims process score of 6.8. While they provide multiple forms of contact and constant availability to file a claim, the company does not offer emergency services. This could mean that you are left with a leaky washing machine, burst pipe, or no heat in the winter without assistance after hours and on the weekends. This omission is less than ideal and certainly a potential deal-breaker for homeowners in Oregon. Elite does have an industry-standard response time, however, of 24–48 hours.  

    Elite Home Warranty is available in 47 states, including Oregon. Elite operating nearly nationwide is a great measure of trust in the company’s legitimacy and reputation, as it proves they can operate across almost an entire country while sustainably making payouts to homeowners.

    Best Appliance Coverage

    First American Home Warranty


    Our Rating

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    $100 Off with Code PROTECT

    One thing I love about First American Home Warranty is that their contracts protect improperly-installed appliances and preexisting conditions, which is something not commonly protected by a home warranty company. I also admire their promise of replacing an appliance or system if they cannot repair the breakdown. First American provides a seamless quote process, allowing customers to easily find a monthly premium that works for them by including their service fees and add-ons to their quote calculator. Similar to Elite Home Warranty, First American’s premium plan includes coverage caps of up to $7,000 for appliances. That said, their system’s coverage cap is much lower, limited to $2,500. I appreciate that First American’s Premium Plan covers things like luxury appliances and hose bibbs, allowing Oregon homeowners to grow outdoor gardens and cook amazing meals at home. 

    I am disappointed that First American Home Warranty excludes solar systems from their plans in Oregon, as the state is nationally recognized for its dedication to renewable energy usage, including the use of solar power. While this is a standard exclusion, including solar systems would give First American Home Warranty a huge advantage over its competitors for Oregon homeowners. First American’s Starter Plan doesn’t cover many plumbing or electrical systems, so I would not advise choosing that plan. First American Home Warranty also requires policyholders to pay extra to include air conditioning coverage. While that coverage (when opting for their Premium Plan) is decent, covering up to $1,500, this is the lowest cap for air conditioning systems from any company included on my list. It is standard to include air conditioning and HVAC systems in other systems plans, and typically, companies offer caps of $2,000 to $3,000 for repair/replacement. While this is disappointing, if you do not prioritize HVAC system coverage or mind paying more out of pocket to supplement a lower coverage limit, then consider First American Home Warranty for their incredible appliance coverage. 

    If you want comprehensive coverage for systems and exceptional coverage for appliances, I recommend First American Home Warranty’s Premium Plan, as it is certainly one of the best in the industry. Elite Home Warranty is the only other company that I have found that offers coverage for HVAC tune-ups, central vacuums, hot water dispensers, and luxury appliances, as most others extend some of these protections as add-ons or not at all. First American’s Premium Plan also offers protection for hose bibbs, something I have not seen covered by other home warranty companies in my research. This could be helpful if you are one of the many Oregon homeowners who love to take advantage of the state’s amazing garden-growing conditions. 

    That said, First American Home Warranty’s Essential and Premium plans are more expensive than their competitors. If you want a more affordable monthly premium, a different home warranty company, like Liberty Home Guard or Select Home Warranty, is the better option for you.  

    First American Home Warranty offers three plans, like all other home warranty companies on this list, including a Starter Plan that covers basic appliances and systems like refrigerator and plumbing; an Essential Plan which adds other essential home systems and appliances like a washer and dryer and garage door opener; and a Premium plan which covers everything in the previous two plans and adds luxury appliances and other additional coverage enhancements to cover 18 items. Along with these three plans, First American offers nine add-ons, including limited roof leaks, which are useful in the rainy state of Oregon. 

    The following table will be a summation of all the plans offered by First American Home Warranty:

    PlanMonthly CostService FeeAvailable Discounts
    Starter Plan$52.00/mo$75-$125$200 off
    Essential Plan$62.00/mo$75-$125$200 off
    Premium Plan$$75-$125$200 off

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Portland, Oregon. The cost data presented was accurate at the time of writing.

    Available Add-Ons

    These are the add-ons offered by First American Home Warranty: 

    • Pool/Spa Equipment ($20.83/mo)
    • Additional refrigeration ($4.17/mo)
    • Septic tank pumping/system ($7.08/mo)
    • Central air conditioning (electric) ($8.33/mo)
    • Well pump ($7.08/mo)
    • First American advantage ($0.00/mo – offered with Essential and Premium Plans only)
    • Water softener ($7.08/mo)
    • Limited roof leak ($8.33/mo)
    • HVAC Tune-Up ($2.08/mo)

    The following are exclusions as outlined in the sample contract provided by First American Home Warranty on their web page:

    • Solar systems
    • Hazardous and toxic materials
    • Anything covered otherwise under a manufacturer’s warranty 
    • Routine maintenance 
    • Bringing systems into code compliance
    • Structural modifications
    • Modifications to existing equipment
    • Secondary damage
    • Cosmetic fixes

    These are exclusions that I would expect to find in a home warranty contract. I wish that First American Home Warranty coverage included solar systems, as Oregon is nationally recognized for its infrastructure, including renewable energy usage. 

    Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    First American Home Warranty received a score of 9.3 for affordability because they offer multiple service fee options, the average cost of their add-ons is below $14.99, and has a money-back guarantee. While the cost of their more comprehensive plans is more than the national average cost of comprehensive coverage, their add-ons are much cheaper than some of their competitors, like Liberty Home Guard. If add-ons are important to you, consider choosing First American, as this option could end up being more affordable in total.

    First American has an average customer experience score for home warranty companies. They offer a service guarantee, have an average waiting period of 30 days before coverage begins, and have a quick and easy claims process. The company’s score is lower because they utilize multiple points of contact with a customer after they have received a quote. While this practice could be helpful, it often leaves customers repeating themselves and potentially frustrated by the multiple points of contact. That said, the overall customer experience is largely positive. My secret shopping was seamless, one of the easiest processes I encountered. I love how helpful First American’s website is and that I was able to find a sample contract directly from the quote calculator.

    First American Home Warranty is accredited by the Better Business Bureau, receiving a B rating, which is decent for a home warranty company. Reviews posted across reputable review websites, including Google, Yelp, Trustpilot, and the BBB website, are quite varied. Negative comments report incidents of inadequate contractors leaving systems in worse disrepair than before, contractors not responding to communication by the homeowner, and miscommunications between FAHW representatives and their contractors. There’s also mention of some shady business surrounding claims that go unapproved, but the homeowners felt should be covered based on their contract. From my research, I believe that some of the reports may be legitimate, while some may be due to the homeowner neglecting to carefully read their contract. Alternatively, positive reviews comment on a quick and painless claims process, fast resolution of breakdowns, and incredibly helpful customer service representatives. Overall, First American maintains a positive company reputation that is better than several competitors. 

    I noticed that First American Home Warranty has historically only responded to positive reviews, but in the future, I would like to see them respond to negative comments as well. Like every other home warranty company, I highly recommend reading through several reviews left by customers before deciding which company you work for. 

    Rating SiteRatingNumber of Reviews
    BBBBCustomer Reviews are not used in the calculation of BBB Rating

    Editor’s Note: The ratings provided were accurate at the time of writing.

    First American Home Warranty has a standard claims process that is seamless and easy. You can call the customer service line or submit an online claim through your customer portal 24/7, like all other home warranty companies on my list. First American scores higher in this category than competitors like Elite Home Warranty, because they offer emergency services. 

    First American offers coverage in 35 states, which is the lowest amount of any company on my list. While it is less than most, First American is still able to operate with positive reviews in all 35 of those states while making 24/7/365 customer service a priority and honoring their high payouts, which are comparable to Elite Home Warranty. 

    Calculate the Cost of Oregon Home Warranty

    Our home warranty cost calculator can help you determine the yearly costs associated with your specific home warranty plan. Below, input your estimated monthly premium, service call fee, and the number of claims you anticipate having to calculate your yearly home warranty cost.

    Appliance Average Repair Cost Average Replacement Cost
    Dehumidifier $50–$200 $1,300–$2,800
    Microwave $50–$400 $60–$2,000
    Dishwasher $50–$500 $400–$3,000
    Exhaust Fans $16–$300 $250–$950
    Electric Range $100–$500 $230–$3,000
    Gas Range $100–$500 $230–$3,000
    Dryer $100–$400 $450–$2,300
    Oven $100–$430 $400–$3,000
    Washer $50–$450 $400–$2,300
    Freezer $90–$500 $160–$2,900
    Refrigerator $40–$350 $200–$5,000

    Oregon Home Warranty Regulation

    The Department of Consumer Business Services regulates home warranty companies in Oregon under ORA 64A.154. This legislation defines practices that home warranty companies in Oregon must adhere to, including responding to companies within a “reasonable time frame” after receiving them and writing contracts that are easy to read and understand. You can submit a complaint or check a business license against a home warranty service provider in Oregon with the Department of Consumer and Business Services. Some home warranty contracts include an arbitration clause, however, so be sure to read through your entire contract before signing. 

    Oregon Home Warranty News

    In 2022, Attorney General Ellen Rosenblum warned Oregon residents against a home warranty scam that was moving throughout the state. Many homeowners were unaware that some information about mortgages, such as the name of their lender and servicer, is public information on the internet. Be on the lookout for fake companies that have information you may not expect them to have in Oregon, as this is an issue that is prevalent enough to get the attention of the attorney general only two years ago. 

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    Frequently Asked Questions

    Do You Need a Home Warranty in Oregon?

    Oregon has a quickly growing population as many individuals are moving to the state for its unique way of life. Oregonians live slower lives than most do in America, prioritizing being outdoors to take advantage of the state’s gorgeous coastal regions and mountains. It can be incredibly difficult, and even impossible for some, to be financially prepared at all times for a major system or appliance to have a breakdown that could cost thousands of dollars. If you live in Oregon and want affordable support for when your home experiences a breakdown, a home warranty could help you solve the issues much more quickly and cheaply, allowing you to get back to swimming in the ocean, riding your bike through the mountains, or visiting a local brewery with friends. 

    How Much Does a Home Warranty Cost in Oregon?

    The average cost for a home warranty in Oregon is around $55 a month, or $650 annually. I came to this conclusion by using the quotes I received while secret shopping for a two-bedroom, two-bathroom single-family home in Portland, Oregon.  

    How To Save Money When Shopping for Home Warranties In Oregon?

    These are a few ways you can save money when purchasing home warranties in Oregon:

    • Research many companies and their discounts: Asking friends and family for advice is always a good place to start. I also advise calling representatives and requesting a minimum of three quotes from reputable providers. Be sure to specifically ask about discounts and compare the prices, plans, and discounts offered to see where you can find the best value for your needs. Don’t be afraid to ask about upcoming promotions as well. 
    • Call a customer service representative: Customer service agents are knowledgeable and helpful when shopping for a quote and can sometimes offer you further discounts for a lower monthly premium. 
    • Choose add-ons wisely: Add-ons can provide excellent coverage for items not commonly covered. That said, I advise considering all factors, including the cost of the item and its repairs or replacements, the price of the add-on, and the protection that a manufacturer’s warranty could provide vs a home warranty. For example, I would not choose to add electronics coverage to my plan because my Apple devices, including my work laptop, are all covered with AppleCare. My partner, however, might prefer to add electronics coverage because his computer is not covered under a manufacturer’s warranty or insurance plan. 
    • Customize your service fee: Some companies in Oregon will allow you a choice of service fees, ranging from $65 to $125. To pay a lower monthly premium, opt for higher service fee choices. 

    Is a Home Warranty Worth It for Oregon Homeowners?

    A home warranty is worth it for homeowners in Oregon if you want peace of mind that you are supported in the event of a breakdown, helping to prevent you from incurring sudden large financial burdens. That said, if you are comfortable paying large out-of-pocket expenses for repairs or replacements, or have appliances covered by a manufacturer’s warranty, a home warranty may not be worth it to you. Many providers offer a systems-only plan, which may be more beneficial than a totally comprehensive plan. 

    Other Resources for Oregon Homeowners

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    Editorial Contributors
    avatar for Katelynn Ward

    Katelynn Ward

    Katelynn Ward is a home warranty writer at Today’s Homeowner. She attended Eastern Kentucky University, where she earned her Bachelor’s degrees and her Master’s Degrees.

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    photo of Andrew Foligno

    Andrew Foligno

    Andrew Foligno is an editor for Today’s Homeowner, with over 6 years of experience working in digital marketing. He started his career as a content writer at an agency, covering industries such as HVAC, plumbing, painting, lawn care, and more. Soon, he was promoted to an editor position where he oversaw a team of writers before moving on to other facets of digital marketing. When he isn’t working, Andrew enjoys going to the gym to be active, as well as going to the movies to unwind.

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