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State guide · ORNo paid placement

Home warranty
in Oregon.

Every service contract obligor in Oregon must register with the Department of Consumer and Business Services.

Regulated as a service contract3 reviewed providers ranked
Photo · R Architecture / Unsplash
Why Oregon is different

Every service contract obligor in Oregon must register with the Department of Consumer and Business Services. A company selling home service agreements, which cover a home's mechanical and appliance systems against wear and tear and inherent defects, must also file a $25,000 surety bond. Anyone harmed by a violation can claim against that bond. Oregon's insurance code says home protection insurance does not include a home service agreement. Obligors that follow the service contract law don't have to comply with the Insurance Code or belong to the Oregon Insurance Guaranty Association. Each contract must state the terms for ending it, and the company must act on your service requests within a reasonable time. Unless the contract says otherwise, a response within 30 days counts as reasonable.

Source: ORS 646A.150 to 646A.172 (service contracts) (State statute, accessed 2026-10-07) · ORS 731.164 (home protection insurance; home service agreement) (State statute, accessed 2026-10-07) · Oregon DCBS Division of Financial Regulation: Obligor of Service Contracts Registration Application (form 440-2851) (State regulator, accessed 2026-10-07)
Coverage-priority context · OR

What breaks in Oregon.

Issue 01
Wet winters contributing to moisture stress on plumbing and ventilation
Issue 02
Long, mild heating season placing steady load on furnaces and heat pumps
Issue 03
Older Portland-area housing stock with aging plumbing and electrical
§ 02Best providers in Oregonranked by Warranta editorial score · /5 scale · how we score
01
American Home Shield
Homeowners who want broad systems coverage and a choice of service fee.
Score
4.1/5
Read review →
02
Old Republic Home Protection
Real-estate buyers and sellers who want a financially backed provider with a long operating record.
Score
3.9/5
Read review →
03
Choice Home Warranty
Budget-focused homeowners who want a predictable flat service fee and straightforward plan choices.
Score
3.7/5
Read review →
§ 03Common questions for Oregon
When does coverage start after I buy a plan?
When the waiting period in your contract ends. Providers set different lengths. Liberty Home Guard's sample policy starts coverage 30 days after purchase and requires covered items to be in working order that day. American Home Shield's 2024 sample plan agreement shows an initial waiting period of 0 days. Under Liberty's terms, a covered item that breaks on day 20 falls inside that 30-day holding period and is not covered, so read each provider's sample contract before you buy.
Can I buy a plan after something has already broken?
You can buy one, but the two sample contracts we read would not pay for a breakdown you already have. Liberty Home Guard's sample policy "does not cover any known or unknown pre-existing conditions." American Home Shield's 2024 sample plan agreement says a covered breakdown "must occur during the Plan Agreement Term," and it excludes earlier breakdowns that "were either known by you or were reasonably detectable by you."