Top 5 Home Warranty Companies in Oregon (2024)

Purchasing a home is likely one of the biggest financial investments you'll make in your lifetime. While exciting, buying a house also comes with the added stress and responsibilities of general home maintenance and unexpected repairs. According to HomeAdvisor's True Cost of Home Repair report, homeowners spent an average of $3,018 on unplanned home repairs in 2022. With the median home price in Oregon at $491,900 as of December 2023, it's easy to see how unexpected repairs could quickly derail a budget.

This is where home warranty companies come in. Home warranties protect sudden system or appliance breakdowns. For a monthly fee, home warranty companies agree to repair or replace covered items in your home if they stop working due to normal wear and tear. Home warranties can provide many homeowners peace of mind and financial budgeting assistance.

You have options if you're in the market for a home warranty service in Oregon. However, home warranty companies are not one-size-fits-all. Here we look at the top 5 best home warranty companies in Oregon and what you need to know to choose the right plan for your needs.

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Comparison of the Top 5 Home Warranty Companies in Oregon

What to Look for in an Oregon Home Warranty Company

When evaluating home warranty providers in the Beaver State, keep the following factors in mind:

• Coverage options - Look for a range of coverage options for systems and appliances. Many home warranty companies offer both comprehensive plans and more budget-friendly options.

• Service fee costs - Most home warranty companies charge a service fee per claim, averaging $60-$100. Look for lower service fees.

• Reputation & ratings - Check reviews and complaints with organizations like the Better Business Bureau. Look for consistently positive feedback.

• Local contractors - The best home warranty companies have strong local networks of contractors to handle repairs and claims. This results in faster service.

• Discounts - Ask about discounts for things like bundled policies, pre-inspection, etc. Discounts can make pricing more affordable.

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The Top Five Home Warranty Companies Offering Coverage Across Oregon

Liberty Home Guard

With an A+ rating from the Better Business Bureau (BBB) and 4.6 out of 5 star customer rating average, Liberty Home Guard is a stand-out choice for home warranty coverage in Oregon.

Liberty Home Guard provides coverage across Oregon in both rural and metro areas. They have a large local network of over 9,800 approved contractors and service providers that can quickly handle covered claims.

One of their biggest strengths is their coverage options. Liberty Home Guard provides both comprehensive plans and more budget-friendly options.

Their top-tier Century Diamond Plan provides one of the most inclusive options, covering items like appliances, electrical, plumbing, HVAC, pools/spas, and more. For buyers looking for more affordability over inclusiveness, their Bronze Plan still provides coverage for core systems like plumbing, electrical, HVAC, and water heaters.

Liberty Home Guard is also a more affordable and flexible home warranty company. Service fees range from just $60-$100, among the lowest in the Oregon home warranty market.

Unlike some competitors, Liberty Home Guard offers month-to-month contract options in addition to annual coverage. This flexibility can benefit new Oregon homeowners who are still settling into unknown repair budgets.

Liberty Home Guard stands out for their mix of comprehensive coverage options, affordability, and service delivered through an extensive local network of contractors. Their flexibility and consistently positive reputation make them a great option for home warranty buyers across Oregon.

2-10 Home Buyers Warranty

Backed by 50 years of industry experience, 2-10 Home Buyers Warranty is another great choice for home warranty coverage in the Beaver State. 2-10 offers comprehensive plans tailored specifically to different regions' climates and common repair needs, including policies designed for homes across Oregon.

As their name suggests, 2-10 Home Buyers Warranty also specializes in warranty coverage for new construction homes. Their new home warranty plans cover defects and workmanship issues for up to ten full years. This can provide invaluable peace of mind for buyers purchasing new construction homes.

A few key advantages help earn 2-10 Home Buyers Warranty a spot on our list for Oregon homeowners:

• Local contractors - 2-10 maintains an extensive network of over 550 contractors and service providers across Oregon, enabling quick turnaround on claims.

• Age of home coverage - Unlike some providers, 2-10 does not limit coverage based on the home's age at the time of enrollment. Their plans can cover everything from new construction to older homes.

• Systems monitoring - When you sign up for their Ultimate Protection Plan, 2-10 provides systems monitoring and can even alert you about problems before they lead to breakdowns.

• Green home coverage - 2-10 offers warranty plans specific to the unique repair needs of green homes with features like solar panels and geothermal HVAC.

• Purchase price coverage - Exclusive to 2-10, you can add purchase price coverage in the event a covered repair exceeds your home's value.

One downside is that 2-10's service fee for claims is on the higher end at a standard fee of $100 per incident. However, they offer discounts down to $75 for renewals.

With an A+ Better Business Bureau rating and over 1,700 5-star reviews, 2-10 Home Buyers Warranty delivers proven service and comprehensive protection for homeowners across Oregon. Their new home construction warranties also make them an exceptional option for new home buyers in the state.

First American Home Warranty

Offering coverage in Oregon for over 20 years, First American Home Warranty brings a long track record and plenty of experience protecting homes in the Pacific Northwest climate.

A few notable highlights for First American Home Warranty:

• Claims process - First American Home Warranty offers 24/7 claims service and aims to have contractors out for visits within 48 hours. Faster service means you're not stuck dealing with problems.

• Range of coverage - Plans extend up to coverage for items like pools, spas, well pumps, septic, and more that not all providers cover. Extras can give more complete coverage.

• Discount opportunities are offered for new homes, multi-year plans, and more. Bundled appliance and systems coverage can also be more economical.

• Customer service - First American Home Warranty policyholders compliment the provider's fast response times and friendly customer service team.

One downside is that First American's base level plans tend to offer slightly less inclusiveness compared to higher-end offerings from some competitors. However, they make up for this with a wide selection of add-ons to customize coverage.

Some added perks include:

• Rental property coverage - Landlords can purchase coverage to help handle repair costs for rental properties.

• Electronics plans - Optional extended warranty coverage for computers, home electronics, and appliances.

• Furnace filters - First American will deliver replacement air filters for enrolled homes every 3 months.

With affordable pricing and a host of ways to customize protection, First American Home Warranty supplies thorough home warranty solutions across Oregon. Quick claims handling and stellar customer service also help cement their reputation.

American Home Shield

As an award-winning industry leader, American Home Shield has built a trusted reputation helping homeowners handle unexpected breakdowns and repairs since 1971. They offer comprehensive home warranty plans tailored specifically to meet the unique needs of homes in Oregon.

Advantages of choosing coverage from American Home Shield include:

• Local network - With over 9,000 contractors and service providers on call, AHS has one of the largest local networks in Oregon to enable speedy repairs.

• Range of coverage - AHS plans can cover items other providers miss, like septic pumps, roof leaks, doorbells, and more. Their broad inclusion helps eliminate surprise exclusions.

• Condos - American Home Shield is one of the few home warranty companies that provides dedicated coverage options for condos.

• Customer service - Free 24/7 support and quick claims processing times receive consistent praise in American Home Shield reviews.

• Discount opportunities are offered for new homes, multi-year terms, and more. Bundling systems and appliances can provide additional savings.

While pricing falls on the higher side, American Home Shield's expansive coverage, robust local contractor network, and stellar service reputation make them a go-to choice for home warranty protection across Oregon.

Cinch Home Services

Formerly known as HMS Home Warranty, Cinch Home Services rounds out our list as a quality budget-friendly home warranty option in Oregon.

A few things that help keep costs down with Cinch Home Services include:

• Lower service fees - Oregon's standard $65 service fee is one of the lowest. Repeat claims on the same item during the same year are also discount eligible.

• Price matching - Cinch Home Services will match and beat competitor prices for similar coverage.

• Affordable plans - Even plans with more limited coverage like their Simple Systems plan start under $30/month.

While priced lower, Cinch Home Services still delivers quality service through a network of over 4,500 approved contractors locally and nationwide.

They receive positive feedback for timely repairs and helpful customer service. Perks like next-day priority scheduling for urgent issues and flexible payment options add value.

The potential downside is that lower-tier plans have more exclusions. And, their $100 service fee is on the higher end.

With the ability to price match plans from other leading home warranty companies, Cinch Home Services offers a cost-effective way to provide financial protection against home system and appliance breakdowns. Their budget-friendly plans and pricing make them an appealing choice for cost-conscious homeowners in Oregon.

What's the Best Home Warranty Company for You?

When choosing the right home warranty company in Oregon, consider your budget, the level of coverage needed, including systems/appliances, service fees, and company reputation.

Homeowners wanting the most comprehensive coverage with high-end inclusions may opt for providers like American Home Shield or 2-10 Home Buyers Warranty. First American Home Warranty offers robust add-ons to build expansive protection.

For budget-focused buyers, Cinch Home Services and lower-tier plans from Liberty Home Guard provide quality protection at affordable rates.

New construction homeowners get robust defect and workmanship coverage from 2-10 Home Buyers Warranty. And Liberty Home Guard's flexibility works well for buyers still evaluating repair cost budgets.

Be sure to research customer service ratings, coverage limits, and contractor networks as well. This can help you find the right fit.

Owning a home comes with the responsibility of maintenance and the risk of unexpected repairs. However a quality home warranty policy can provide savings, convenience, and peace of mind. Considering a home's major financial investment, a home warranty delivers protection well worth the cost.