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Oregon homeowners can protect their essential systems and appliances with coverage from a quality home warranty provider. A comprehensive plan from the right home warranty company can save you from expensive out-of-pocket costs for repairing or replacing a damaged item, such as your dishwasher, refrigerator or air conditioner.
A home warranty can be a valuable investment, but it’s important to select one that fits your home’s needs. To help you with your search, we researched the best home warranty companies in the Beaver State, looking into each provider’s prices, benefits, plans and coverage. We also received sample quotes from each provider through secret shopping to provide accurate pricing information. Read on to find a home warranty that’s right for your home.
In this article:
- Best Overall: American Home Shield
- Most Customizable Plan Options: America’s 1st Choice Home Club
- Best for Value Shoppers: Select Home Warranty
- Most Comprehensive Claim Coverage: First American Home Warranty
- Our Verdict
- Frequently Asked Questions
Best Overall: American Home Shield
Quick Take
American Home Shield (AHS) is our top selection for an Oregon home warranty, having served over 1.8 million homeowners throughout 50+ years in business. The industry veteran also offers customers their choice of three comprehensive plans and backs each policyholder with claims support that’s available via phone or online 24/7.
Pros & Cons
✓ Allows customers to adjust their monthly premium by choosing their own service fee
✓ Uses a free and simple online quoting process
✓ Has generous coverage caps
✘ Charges slightly more for plans than some of its competitors
✘ Only guarantees repairs for 30 days
Plans & Coverage
Oregon homeowners have the choice of three AHS home warranty plans: ShieldSilver, ShieldGold and ShieldPlatinum. The ShieldSilver plan offers protection for your major systems, including 14 items like your air conditioner, heating unit and water heater. The ShieldGold plan builds on the previous plan, combining systems coverage with protection for nine home appliances, including your oven, dishwasher and clothes dryer.
American Home Shield offers its ShieldPlatinum plan to homeowners looking for the most comprehensive option. This coverage includes all protected items in the ShieldSilver and ShieldGold plans while adding coverage for your A/C refrigerant, HVAC tune-up and roof leak repairs. To round out any of its three plans, the provider also offers the following optional add-ons:
- Pool/spa equipment
- Well pump
- Septic system plumbing
- Septic sewage ejector pump
- Extended warranties for electronics
| Coverage | ShieldSilver | ShieldGold | ShieldPlatinum |
| Air conditioner | ✓ | ✓ | ✓ |
| Heating unit | ✓ | ✓ | ✓ |
| Ductwork | ✓ | ✓ | ✓ |
| Built-in exhaust, vent and attic fans | ✓ | ✓ | ✓ |
| Main breaker and fuse panel box | ✓ | ✓ | ✓ |
| Doorbells and chimes | ✓ | ✓ | ✓ |
| Interior electrical lines | ✓ | ✓ | ✓ |
| Ceiling fans | ✓ | ✓ | ✓ |
| Garage door openers | ✓ | ✓ | ✓ |
| Interior plumbing lines | ✓ | ✓ | ✓ |
| Toilets | ✓ | ✓ | ✓ |
| Faucets and valves | ✓ | ✓ | ✓ |
| Whirlpool tub motor and components | ✓ | ✓ | ✓ |
| Water heater | ✓ | ✓ | ✓ |
| Refrigerator | ✓ | ✓ | |
| Range/Cooktop | ✓ | ✓ | |
| Oven | ✓ | ✓ | |
| Dishwasher | ✓ | ✓ | |
| Built-in microwave oven | ✓ | ✓ | |
| Garbage disposal | ✓ | ✓ | |
| Instant hot/cold water dispenser | ✓ | ✓ | |
| Clothes washer | ✓ | ✓ | |
| Clothes dryer | ✓ | ✓ | |
| A/C refrigerant | ✓ | ||
| HVAC tune-up | ✓ | ||
| Roof leak repairs | ✓ |
Cost
American Home Shield’s monthly premiums are a bit higher than some of its industry competitors. However, the provider lets its customers adjust their monthly premiums by selecting their service call fee or the one-time cost paid to the technician at the time of an appliance or system repair. Customers who choose a higher service fee pay a lower monthly premium, while those who select a lower service fee pay a higher one.
Take a look at each plan’s monthly price breakdown for a single-family home in Portland, Oregon:
| Plan | $75 Service Fee | $100 Service Fee | $125 Service Fee |
| ShieldSilver | $49.99 | $39.99 | $34.99 |
| ShieldGold | $59.99 | $49.99 | $44.99 |
| ShieldPlatinum | $79.99 | $69.99 | $64.99 |
Get a Free Quote
To get a quote from American Home Shield, complete this easy online form or call 844-529-9298.
Home Warranty Resources
- What is a Home Warranty?
- How Much Do Home Warranties Cost?
- Is a Home Warranty Worth It for You?
- Best Home Warranties in 2023
- Do Your Appliances Need Extended Warranties?
Most Customizable Plan Options: America’s 1st Choice Home Club
Quick Take
America’s 1st Choice Home Club (AFC Home Club) separates itself from much of the home warranty industry with its four comprehensive plan offerings and an extensive list of optional add-ons. The provider also offers unique services like free credit monitoring and emergency alert services, helping further protect policyholders and their homes. Unlike many competitors, AFC Home Club lets customers select their own licensed repair contractor.
Pros & Cons
✓ Guarantees repairs for the life of your contract
✓ Has over ten years of industry experience
✓ Supports customers with 24/7 customer service
✘ Charges a $75 cancellation fee
✘ Requires customers to submit their claim within a day of noticing an issue
Plans & Coverage
An America’s 1st Choice Home warranty offers several coverage options, offering homeowners a choice of its System Plan, Silver Plan, Gold Plan or Platinum Plan. The Systems Plan covers six items, including your ductwork, air conditioning and electrical systems, while the Silver Plan covers nine items, such as your clothes dryer, oven and dishwasher.
The Gold Plan combines coverage from the previous two plans, while the Platinum Plan provides the most comprehensive coverage, protecting a total of 18 essential home systems and appliances. To help policyholders customize coverage, AFC Home Club offers six optional add-ons, including sump pump, septic system, hot water dispenser, pool and spa, stand-alone freezer and tankless water heater coverage.
| Coverage | System Plan | Silver Plan | Gold Plan | Platinum Plan |
| Air conditioning system | ✔ | ✔ | ✔ | |
| Heating systems | ✔ | ✔ | ✔ | |
| Water heater | ✔ | ✔ | ✔ | |
| Electrical system | ✔ | ✔ | ✔ | |
| Plumbing system | ✔ | ✔ | ✔ | |
| Ductwork | ✔ | ✔ | ✔ | |
| Clothes dryer | ✔ | ✔ | ✔ | |
| Clothes washer | ✔ | ✔ | ✔ | |
| Kitchen refrigerator | ✔ | ✔ | ✔ | |
| Oven | ✔ | ✔ | ✔ | |
| Range | ✔ | ✔ | ✔ | |
| Dishwasher | ✔ | ✔ | ✔ | |
| Garbage disposal | ✔ | ✔ | ✔ | |
| Garage-door opener | ✔ | ✔ | ✔ | |
| Built-in microwave | ✔ | |||
| Ice maker | ✔ | |||
| Plumbing stoppages | ✔ |
Cost
The cost of an America’s 1st Choice Home Club plan fluctuates based on your selected coverage and monthly premium. With three service fee options, the provider allows you to decrease your monthly premium with a lower deductible and increase it with a higher deductible. Below is a look at each home warranty cost breakdowns for a single-family home in Portland, Oregon.
| Plan | $75 Service Fee | $100 Service Fee | $125 Service Fee |
| System Plan | $57.42 | $54.42 | $51.33 |
| Silver Plan | $48.33 | $45.33 | $42.33 |
| Gold Plan | $66.50 | $63.42 | $60.42 |
| Platinum Plan | $72.50 | $69.50 | $66.50 |
Get a Free Quote
To learn more about an America’s 1st Choice Home Club warranty, fill out this easy form or contact them at 877-755-1115.
Best for Value Shoppers: Select Home Warranty
Quick Take
Although it has less industry experience than many of its competitors, Select Home Warranty has proven itself as a quality and affordable option for customers across Oregon and 45 additional states (excluding Nevada, New Mexico, Washington and Wyoming). The provider offers free roof leak coverage and charges its policyholders a flat $75 service fee, less than most of its counterparts.
Pros & Cons
✓ Protects repairs with a 90-day workmanship guarantee
✓ Gives customers the choice of nine optional add-ons
✓ Offers two months free for customers who opt for annual billing
✘ Can charge more than one service fee if more than one type of repair is needed
✘ Doesn’t cover fixtures
Plans & Coverage
Like many service providers, Select Home Warranty offers three protection plans: The Bronze Care Plan, Gold Care Plan and Platinum Care Plan. The Bronze Care Plan protects eight essential appliances, including your dishwasher, cooktop and refrigerator. The Gold Care Plan extends protection to six major systems, such as your air conditioning and electrical system.
Select offers its Platinum Care Plan for complete protection, which combines coverage from the previous two plans while adding protection for your garage door openers, plumbing stoppages, and ceiling fan. In addition to its comprehensive plans, the provider offers nine optional add-ons to cover items like your central vacuum, pool and sump pump.
| Coverage | Bronze Care | Gold Care | Platinum Care |
| Air conditioning | ✓ | ✓ | |
| Ductwork | ✓ | ✓ | |
| Electrical system | ✓ | ✓ | |
| Heating system | ✓ | ✓ | |
| Plumbing system | ✓ | ✓ | |
| Water heater | ✓ | ✓ | |
| Cooktop | ✓ | ✓ | |
| Dishwasher | ✓ | ✓ | |
| Garbage disposal | ✓ | ✓ | |
| Built-in microwave | ✓ | ✓ | |
| Refrigerator | ✓ | ✓ | |
| Stove/Oven | ✓ | ✓ | |
| Clothes washer | ✓ | ✓ | |
| Clothes dryer | ✓ | ✓ | |
| Garage door openers | ✓ | ||
| Plumbing stoppages | ✓ | ||
| Ceiling fan | ✓ |
Cost
Oregon residents and real estate investors can save additional money on all three of Select’s affordable plans by opting to pay for their plan in one lump sum. Here’s a look at each plan’s cost for a single-family home in Portland.
| Plan | Monthly Cost | Yearly Cost |
| Platinum Care | $46.08 | $499.99 |
| Gold Care | $41.67 | $449.99 |
| Bronze Care | $41.67 | $449.99 |
Get a Free Quote
If you’re interested in a home warranty from Select, fill out this quick online form or reach out to a customer service representative at 888-370-3956.
Most Comprehensive Claim Coverage: First American Home Warranty
Quick Take
First American Home Warranty is another top choice for home warranty coverage in Oregon. The provider has over 30 years of industry experience and stands out for its comprehensive coverage, including its unique First Class Upgrade. This special add-on covers items and services like building permits, refrigerant recapture and appliance haul-away. In addition to its customizable coverage, this provider offers around-the-clock customer service for policyholders in need of support.
Pros & Cons
✓ Protects improperly-installed appliances
✓ Has generous coverage caps
✓ Covers pre-existing conditions
✘ Doesn’t cover plumbing or electrical systems under the Basic Plan
✘ Requires policyholders to pay extra for air conditioning coverage
Plans & Coverage
First American Home Warranty keeps it simple with two plan options: The Basic Plan and Premier Plan. The Basic Plan covers eight major home appliances, including your clothes washer, refrigerator and microwave. The Premier Plan builds on the coverage in this previous plan, extending protection to eight systems for a total of 18 covered items.
Along with its two comprehensive plans, First American Home Warranty offers seven optional add-ons, including well pump and additional refrigeration coverage. The provider also offers its First Class Upgrade, which offers unique protection on services like refrigerant recapture and appliance haul-away.
| Coverage | Basic Plan | Premier Plan |
| Clothes washer | ✓ | ✓ |
| Clothes dryer | ✓ | ✓ |
| Refrigerator | ✓ | ✓ |
| Dishwasher | ✓ | ✓ |
| Oven/Range/Cooktop | ✓ | ✓ |
| Microwave | ✓ | ✓ |
| Garbage disposal | ✓ | ✓ |
| Trash compactor | ✓ | ✓ |
| Plumbing | ✓ | |
| Plumbing stoppages | ✓ | |
| Heating system | ✓ | |
| Water heater | ✓ | |
| Electrical system | ✓ | |
| Garage door opener | ✓ | |
| Ductwork | ✓ | |
| Central vacuum system | ✓ |
Cost
Although First American Home Warranty doesn’t let Oregon homeowners select their own service fee, they do allow policyholders to save money by signing up for a yearly contract. Here’s a closer look at the price breakdowns for a single-family home in Portland, Oregon.
| Plan | Monthly cost | Yearly cost |
| Basic Plan | $36 | $396 |
| Premier Plan | $46.50 | $522 |
Get a Free Quote
Receive a free quote from First American Home Warranty by filling out this quick online form or by calling 800-891-9778.
Our Verdict
An Oregon home warranty can help give homeowners peace of mind that their major systems and appliances are covered should they break down due to normal wear and tear. A quality protection plan can help you resolve issues as they arrive while preventing you from paying out of pocket for expensive repair or replacement costs. American Home Shield is our top choice for an Oregon home warranty. The company’s comprehensive plan offerings and history of customer support offset its higher-than-average monthly premiums. However, all providers on this list are great selections in their own right. Ultimately, it’s important to gather sample quotes from multiple providers to determine the coverage that’s right for you. We recommend gathering three quotes before making a purchase.
Frequently Asked Questions About Oregon Home Warranties
- What is a home warranty in Oregon?
Also known as a home protection plan, a home warranty is typically a yearly contract that covers repairs or replacements for systems and appliances that break down due to normal wear and tear, such as your refrigerator, heating system and stovetop. For example, if a hot Oregon summer overworks your air conditioning, a home warranty plan can prevent you from paying out of pocket for necessary repairs.
- How long are contractor warranties in Oregon?
Each contractor that works with home warranty providers in Oregon has their own repair guarantee. For example, some providers guarantee repairs and replacements for up to 60 days, while others may extend guarantees for up to 90 days. It’s important to read a sample contract from the provider you’re considering to learn about their service guarantees.
- Is homeowners insurance the same as a home warranty?
No, homeowners insurance is not the same as a home warranty. While homeowners insurance covers the cost of damages incurred through natural disasters or other unexpected events, a home warranty plan covers you from unexpected replacement or repair costs if a major home system or appliance breaks down due to normal wear and tear.
Home Warranty Rating Methodology
To help you find the best home warranty, our reviews team researched numerous home warranty companies, analyzing their coverage plans, pricing and customer service, among other factors:
- Coverage: Home warranty companies that provide extensive coverage and protect important systems and appliances, including your air conditioning, refrigerator and heating, scored higher than companies with minimal coverage.
- Plan variety: A provider with more coverage plans allows for more flexibility among customers. In general, most home warranty companies provide an appliances-only plan, systems-only plan and combination plan.
- Pricing: We scored providers based on their monthly plan prices and service call fees compared to the industry average pricing. Companies with more affordable coverage received more points than companies with more expensive plans.
- State availability: Where you live will determine what companies are available in your area. Home warranty companies that covered more states received more points than companies with a limited state availability.
- Trustworthiness: There are some home warranty companies that are scams and don’t follow through on their service agreements. We rated companies based on their years of experience, ratings on the Better Business Bureau (BBB) and customer reviews.
To keep our data current, our team regularly updates the data points for each company to ensure their coverage offerings, pricing and availability are accurate.
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