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Every home warranty company is slightly different, but there are some general rules as to what a home warranty will cover.

One of the most common items that home warranties include is appliance coverages. This includes items like refrigerators, stoves, ovens, dishwashers, microwaves, washers, dryers and even trash compactors. Should one of these items break, the homeowner can file a claim and expect to pay only the service fee.

There may be appliance age or proof of maintenance stipulations for these appliances, so homeowners should be aware of what the warranty company requires. Also, homes with more than one set of appliances, such as those with kitchenettes or bars, may only be eligible for coverage on their main appliances in the kitchen.

System coverage is when home warranties cover the major systems within the home. This includes electrical, plumbing and HVAC systems, primarily. However, other systems may be eligible to add on, such as roofing, central vacuum, fire alarm and septic systems. These items will cost more to cover on a monthly basis, but they can provide peace of mind for homeowners.

These items are less likely to require proof of age, but they may require specific maintenance schedules in order to be covered under the home warranty.

Basic home warranties arent comprehensivesome parts of your home wont be covered. If you want extra coverage, you can add it onto your pan for an additional fee, ranging from a few dollars a month to $30 or more, depending on the specific add-on.

Each companys plans work differently, but you can often choose from add-ons like:

Home warranties are designed to cover common repairs, and in the right circumstances, they can save the homeowner money over the course of the year. Here are some of the most common repairs and their associated costs, with labor and materials combined:

See more here:
How Much Does A Home Warranty Cost In 2024? - Forbes

Top 5 Best Home Warranty Companies in Oregon

Here is our list of reputable providers available in Oregon:

Cinch Home Services: If youre interested in comprehensive home protection, Cinch Home Services is a viable option. Cinch offers a 180-day workmanship guarantee on all work performed, which is twice as long as some other providers like Choice Home Warranty. Cinch offers the option to choose a policy with a credit toward your homeowners insurance deductible, offering a more comprehensive set of protections against the financial toll of natural disasters.

On average, Oregon homeowners pay about $52 per month, or $624 a year, for home warranty coverage.

To help you get a better idea of what youll pay for home warranty coverage as an Oregon resident, we requested a series of quotes using real Oregon residences. We used the most populated areas, including Portland, Salem and Eugene, to collect quotes to reflect the most accurate pricing. We then averaged the prices to compare both monthly pricing and service fees to the coverages extended on each plan.

Heres what you can expect to pay for your home warranty in Oregon with each of our major recommended providers.

The MarketWatch Guides team developed a calculator that analyzes the anticipated yearly expenses associated with owning a home warranty in Oregon. To determine your projected annual cost, simply input your monthly premium, service call fee and estimated number of claims. We recommend getting quotes from our top providers directly, as prices vary by plan, location and home size.

Source: Home Depot

The calculators used on this website are being provided for educational purposes only. Data will not be collected or stored. The results are estimates based on the information you provide and may not reflect the actual pricing of your quote.

Ready to consider additional home warranty options? Knowing how to shop for coverage specific to your part of Oregon is an essential step in finding the best policy.

While most home warranty companies operate across the country, not every service provider is present in each state. Before subscribing to a home warranty policy, research the local service providers your home warranty company contracts with or their branches in your area. Companies with more branches and service providers near you can translate to speedier service.

Some third-party review sites like the BBB and Google Reviews sometimes separate reviews by branch. If youre able to, read reviews of each home warranty company from residents in your area. This background will provide you with a more honest look at the service quality youre likely to receive from each option.

Getting a quote for your specific address helps you confirm pricing with your home warranty provider. Get a custom quote from at least three competing coverage providers and download a sample contract to match with each quote. Compare premium and service fee costs in comparison to coverages and limits included under each plan to determine which options are worth the price.

Finally, as you compare coverage limits and exclusions, pay special attention to the systems and appliances you use the most. For example, if you live in the eastern part of the state, you likely experience hotter summers because youre further away from the cooling effects of the coastline. It could mean spending more each year on air conditioning repair, which means you would want to look for a plan with higher limits and more inclusions on this type of plan.

While Oregons climate isnt as extreme as in places like Texas or Florida, local weather hazards play a role for home warranty companies when evaluating homeowner risk. The western part of Oregon, including cities like Portland, experiences a milder climate with consistent rainfall, especially in winter. Higher humidity levels affect homes, putting mold and mildew issues in play for plumbing and electrical systems.

In contrast, the eastern part of Oregon, including areas like Bend, has a semi-arid climate with less rainfall. These areas experience higher temperatures than Oregon coastal areas, whose summer temperatures are offset by the proximity to the water. The further inland you live, the more you can focus on warranty policy options that have more robust coverages for air conditioning systems.

Weve compared coverage limits on the most important home components for Oregon residents among our top-rated providers. Explore coverage limits using the table below as you shop.

Home warranty policies in Oregon fall under the regulation of the Department of Consumer and Business Services under ORS 646A.154. This legislation defines a series of fair practices that home warranty companies must adhere to. For example, they must respond to complaints within a reasonable timeframe after receiving them. You can submit a complaint against a home warranty service provider with the Department of Consumer and Business Services here.

Are you not looking for a home warranty in Oregon? Select your state below to find the best home warranty.

Whether you just bought a new home or are an existing homeowner, a home warranty provides peace of mind that repair costs will be covered. We selected each provider in this article based on its price, customer service and coverage options. We chose American Home Shield as our editors choice due to its unmatched coverage caps and additional benefits, such as annual discounts for HVAC tune-ups.

Liberty Home Guard offers exclusive discounts on new appliances, and Select Home Warranty provides generous coverage caps for heating and cooling systems at a budget-friendly price.

We recommend requesting at least three quotes from different providers to compare plan options and costs. Read each providers sample contract and speak to a representative to answer any questions before signing up.

Most home warranty providers offer 12 months of coverage. Certain providers, such as AFC Home Club, offer policies that last up to three years. Read providers sample contracts to figure out exactly how long their service contracts last.

A home warranty protects your home from expensive repair or replacement costs caused by normal wear and tear. A homeowners insurance policy covers damage or loss from theft, fire, storms or water. Having a home warranty alongside a home insurance policy is recommended for optimal protection.

Home warranties cover a wide variety of your homes systems and appliances. Common exclusions include fees associated with appliance removal and disposal, routine maintenance, commercial property coverage and more. We recommend reading your providers sample contract to determine what is and isnt covered by your policy.

When ranking home warranty providers for Oregon residents, we gathered quotes from all reputable providers operating within the state. We used real Oregon addresses for our secret shopping, collecting genuine prices and up-to-date quotes. We also downloaded contracts to compare directly to our quotes when deciding how to rank companies.

Our team compared pricing to coverage levels included with major systems and appliances that Oregon residents are most likely to care about. We prioritized coverage for air conditioning systems, electrical systems and plumbing systems for Oregon residents because these systems are the home components most likely to need repairs or replacements. Companies offering upwards of $2,000 for each major system received higher rankings than those with lower coverage limits.

Our team also considered qualities beyond pricing and financial limits. Insurers with more add-on options, higher ratings from users on third-party sites like the BBB and Trustpilot and more claim-filing options led to higher company rankings. To learn more about our home warranty methodology, click here. You can also learn more about our editorial standards here.

The rest is here:
Best Home Warranty Companies in Oregon (March 2024) - MarketWatch