Oregon home service agreement bonds.
$125 flat.

An obligor of a home service agreement in Oregon — a home warranty or service contract — must file a $25,000 surety bond with the Department of Consumer & Business Services as proof of financial stability, under ORS 646A.154. The price you see is the checkout price: $125, the same for every obligor.

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Required to register a home service agreement in Oregon — under ORS 646A.154

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Fixed amount, fixed price — $25,000 bond, $125, no quote process

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Multi-year terms available — set it up once for up to 3 years

A-ratedA.M. Best carriersInstantunderwriting process1–3 yrterms available

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How it works

Three steps. One sitting.

Registration bonds are among the simplest things in surety. Here's the entire process:

NOW · ONLINE

Apply online

Business details and an effective date. That's the application — no financials, no credit section, no follow-up scavenger hunt.

MINUTES, USUALLY

Pay & e-sign

Fixed bonds like this are among the thousands of bond types that issue right after purchase.

SAME DAY

File with the DFR

Your executed bond arrives by email, ready to file with the Department of Consumer & Business Services (Division of Financial Regulation) as proof of financial stability. Wet-ink original mailed on request.

About this bond

What it is and who needs it.

What the bond actually guarantees

A home service agreement — often called a home warranty or service contract — promises to repair or replace covered home systems and appliances for a fee. Oregon regulates obligors of these agreements through the Department of Consumer & Business Services (DCBS / Division of Financial Regulation) under ORS 646A.150 to 646A.172.

An obligor must show proof of financial stability, and a $25,000 surety bond executed to the State of Oregon is one accepted way. The bond is conditioned on the obligor complying with the home service agreement statutes and fully performing on the contracts it enters — so customers' service agreements are backed.

Any person harmed by a violation has a right of action under the bond. The bond is continuous until canceled, with at least 30 days' notice to the director before cancellation. It is not insurance for you: if the surety pays a claim, you repay the surety. We keep the $25,000 filing continuous and notify you 60 and 30 days out.

ORS 646A.154ORS 646A.154 requires an obligor of a home service agreement to file a $25,000 surety bond executed to the State of Oregon, conditioned on compliance with ORS 646A.150 to 646A.172 and full performance on the obligor's contracts. Any person damaged by a violation has a right of action under the bond. The bond is continuous until canceled, with at least 30 days' written notice to the director before cancellation. A bond is one accepted form of the required proof of financial stability.

You need this bond if you're

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Registering a home service agreement (home warranty) program in Oregon

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An obligor proving financial stability with a surety bond instead of other means

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Renewing your registration and your current bond is expiring or non-renewing

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Selling home warranties into Oregon from out of state and registering here

One application, issued instantly.

These are the actual issuing fields — no credit section, because this application doesn't have one.

Start the application →

FAQ

Common questions.

How much is the Oregon home service agreement bond?The premium is $125 — the checkout price you see is the price you pay, the same for every obligor. The $25,000 is set by ORS 646A.154, so there is no quote process.

Do I pay the $25,000?No. You pay $125. The $25,000 is the surety's maximum liability if a valid claim is made against the bond — not a deposit, and nobody holds your money.

What does the bond guarantee?That you comply with the Oregon home service agreement statutes and fully perform on the contracts you enter. Any person harmed by a violation has a right of action under the bond — and if the surety pays, you repay the surety.

Is there a credit check?The application has no credit section at all, and most applications approve instantly.

When does it renew?The bond is continuous until canceled and must stay active for your registration. You can buy a 1, 2, or 3-year term; we send renewal notices 60 and 30 days out, with autopay available, and the surety gives the director 30 days' notice before any cancellation.

Which A-rated carriers underwrite these bonds?Typically Arch Insurance Company (A.M. Best A+) or Nationwide Mutual Insurance Company (A.M. Best A). Which one writes your bond depends on the bond type and your state. The carrier's name and official signature are printed on the bond you receive.

How do I contact Light RFP about this bond?Email insurance@lightrfp.com. It reaches the bond team at Light RFP Risk Management Services LLC (NY DFS License # PC-1978982). Write to us about quotes, applications, bond forms or certificates. We will respond within 24 hours.

Related bonds

Other Oregon bonds.

Finish your DFR registration today.

$125 flat, no credit review, bond often issued in the same sitting. Free until issued.

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Your price$125

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