Old Republic Home Protection
Old Republic Home Protection is a great option for home warranty coverage, especially for homeowners looking for affordable, comprehensive coverage with high coverage limits. While the Elite plan is undeniably pricey, it’s well worth it for homeowners if they want limitless coverage for home systems and perks like a pre-season HVAC tune-up.
Old Republic Home Protection (ORHP), formerly known as Old Republic Home Warranty, has been in business since 1974, giving them 50 years of experience in the home warranty industry and making them one of the longest-lasting companies I’ve covered at Today’s Homeowner. Along with their decades of experience, they also bring a lot of glowing customer reviews to the table, giving them one of the highest company reputation scores out of all our top providers. ORHP also has a wide range of plans, flexible service fees, and high coverage limits, making them a great choice for all kinds of homeowners.
Home warranty companies have a reputation for pushing policies that sound great on paper but leave you hanging when you need them most. That’s why reliability matters when you’re searching for information on a home warranty provider. Reliability is my main priority when it comes to writing, which is why I’ve researched Old Republic Home Protection using Today’s Homeowner’s specific review criteria, obtained warranty quotes for a two-bedroom home in Orlando, thoroughly reviewed OHRP sample contracts, and searched the internet for the most accurate (and critical) customer reviews. If you’re still feeling skeptical, read on to see what Old Republic Home Protection has to offer — they might just be one of the best home warranty companies for your needs.
For more on why Old Republic Home Protection may be the best company for you, check out the video below.
Here’s how we ranked and reviewed the nation’s top home warranty companies to bring you the most accurate information.
Our team of experts reviewed over 70 home warranty providers to compare plan options, coverage limits, prices, and customer feedback.
We collected over 100 sample quotes from dozens of home warranty companies to give you an accurate look at industry pricing.
Our rating system scores providers based on 6 key factors: coverage options, affordability, customer experience, reputation, claims processes, and availability.
For more information, check out our Home Warranty Methodology page.
Old Republic Home Protection: Bottom Line
Old Republic Home Protection stands out to me because of their long tenure in the home warranty business, their great coverage limits, and the value for money they provide. For starters, Old Republic has been in business for 50 years — much longer than many competitors, showing a level of reliability that other companies just can’t match. They also offer high coverage limits of $6,500 for home systems and $3,500 for appliances on their most basic plan, which makes for great payouts in the event you need a repair or replacement. Old Republic offers comprehensive coverage for $60 a month, which is right on track with most of the industry. If you’re unsure of where to start looking for coverage, I recommend ORHP’s Deluxe plan since it covers all the systems and appliances that most homeowners have.
OHRP’s biggest downside is that it only serves about half the country, so if you live in the Midwest or Northeast, you’re out of luck. However, if you live in a covered state, they’re one of the best home warranty choices. Although their response times on emergencies are on the slower side, they make up for it with impressive customer reviews and a helpful online portal called Homeowner Central that makes it easy to submit claims and keep tabs on your repairs.
Old Republic Home Protection is a well-rounded provider with plenty of perks for homeowners. I was very impressed with their coverage limits, offering $6,500 for home systems and $3,500 for appliances on their Basic plan. If you upgrade to the Elite plan, those limits double or become limitless, depending on the item, which is perfect for homeowners with expensive appliances and systems. Although their monthly prices aren’t as low as those of some competitors, they do offer good value for money, with their comprehensive Deluxe plan ringing up at only $60 a month for full home coverage. They offer two service fee options, making it easy to have more control over your monthly rates. As the cherry on top, they’ve been in business for 50 years, giving them an edge over newer companies with less longevity and experience.
Old Republic Home Protection has just a few drawbacks — the main one being that they’re not available nationwide. Old Republic isn’t available in the following 25 states: Alaska, Colorado, Connecticut, Delaware, Hawaii, Illinois, Indiana, Iowa, Maine, Massachusetts, Michigan, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, New York, North Dakota, Pennsylvania, Rhode Island, South Dakota, Vermont, West Virginia, Wisconsin, and Wyoming. Also, price may be an issue for some homeowners. The Elite plan starts at $80 a month, and the cheapest plan they have is $50 a month, so they’re a little pricier than some competitors.
Another downside is their emergency services. If you submit a claim for an emergency, Old Republic will speed their response time up to 24 hours, which is no different than most providers’ normal response times, so it’s not very helpful. They may also charge you extra fees for non-emergency after-hours service requests, so be wary of any hidden costs.
On the other hand, when I requested a quote for a colleague’s California home, I was able to get a direct quote from FAHW with no issues. This suggests that FAHW’s direct service area may be more limited than they imply. I’d like to see greater transparency from the company about which states they serve directly and which are through third-party partnerships.
I’m also not thrilled with FAHW’s coverage caps for HVAC systems. They cap heating system coverage at $1,500 per contract term, which is lower than many competitors that offer $3,000-$10,000 coverage for this crucial home system. With HVAC repairs and replacements easily running thousands of dollars, I worry that $1,500 may leave some homeowners with high out-of-pocket costs. I’d love to see FAHW raise their coverage limit for HVAC to match what they offer for appliances and be more in line with industry leaders like American Home Shield and Elite Home Warranty.
Old Republic Home Protection Plans and Coverage
5/5
Old Republic Home Protection offers three standard plans: Basic, Deluxe, and Elite (shown in the image below).
While the Elite plan isn’t practical for homeowners on a budget, it does offer some unique perks to those who are willing to shell out a few extra bucks. You can double your coverage limits for appliances, washers, dryers, and more while getting access to unlimited refrigerant for your HVAC system. You also get a free HVAC tune-up, which is crucial for keeping your home comfortable year after year. Still, for most homeowners, the Basic and Deluxe coverage options are much more manageable.
The Basic plan is a bit pricey for a starter plan, but it offers coverage for most major systems and appliances — more than most competitors’ basic plans, but still excluding coverage for a washer and dryer. However, the Deluxe plan is a true comprehensive coverage plan, covering all the systems and appliances that most homeowners prioritize in a home warranty policy (and adding coverage for washing machines, dryers, code upgrades, air conditioning, and more). If you’re unsure of where to start, I recommend checking out the Deluxe plan. Starting at only $60 a month, it’s a great deal on comprehensive coverage.
| Plan | Monthly Cost* | Service Fee* |
| Basic | $50 to $55 | $100 or $125 |
| Deluxe | $60 to $65 | $100 or $125 |
| Elite | $80 to $85 | $100 or $125 |
*Monthly costs vary with the service fee selected. Lower monthly costs pair with the higher service fee, and higher monthly costs pair with the lower service fee.
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Orlando, Florida. The cost data presented was accurate at the time of writing.
Available Add-Ons
Old Republic Home Protection offers the following optional coverage add-ons to their plans:
- Additional refrigerator/freezer units: $5.00/month
- Air conditioner/cooler (included for no extra cost with Deluxe and Elite plans): $8.00/month
- Enhanced slab/external leak: $9.00/month
- Guest home up to 750 square feet: $14.00/month
- Limited roof leak repair: $9.00/month
- Pool/spa equipment (including saltwater): $25.00/month
- Pre-season HVAC tune-up (included with Elite coverage): $2.00/month
- Septic system/septic pumping: $7.00/month
- Water softener/reverse osmosis water filtration system: $7.00/month
- Well pump: $7.00/month
Old Republic Home Protection Cost & Affordability
4.1/5
Old Republic Home Protection’s plans offer a lot in terms of coverage, but they do come at a price. Many other companies start their plans around $30 to $40 a month for basic coverage, but Old Republic’s basic coverage starts at $50 a month, which can be a high hurdle for homeowners on a budget. Still, even their Basic coverage offers a mixture of systems and appliances, so in a way, you get what you pay for. Their Deluxe plan has all the same covered items as most companies’ top-tier comprehensive coverage plans, and at $60 a month, it’s worth the money for the coverage. The Elite plan is definitely on the pricey side, but the other two protection plan options are reasonable.
However, you could end up with extra fees (including overtime) if you request non-emergency services after hours. This could increase your overall costs, which hurt Old Republic’s score. Still, because their rates are reasonable for the coverage they provide, I gave Old Republic Home Protection an 8.2 for their cost and affordability.
Old Republic Home Protection Customer Experience
4.5/5
Old Republic Home Protection is tied with AFC Home Warranty for the best customer experience score among providers we’ve reviewed, mainly because of their good customer feedback and hassle-free service. ORHP has a 30-day service guarantee and a 30-day waiting period, which are both normal timeframes for home warranty companies, but what really sets them apart is how little they pester the customer after submitting a quote. Other companies may reach out repeatedly after you submit your information online, but Old Republic Home Protection only sent me a few emails to confirm my information and send me my quote details. Compared to competitors that blast text messages out to new customers, this was a breath of fresh air.
Also, Old Republic has impressive online reviews showcasing how great the plan holders’ experiences were. For instance, one Google reviewer said:
“My AC went out in the middle of a heatwave, and Old Republic handled it all. Their contractor arrived on time, as scheduled, and fixed the problem (blown motor) quickly. No [money] out-of-pocket, [I] just had to pay the service fee. [The] AC has been working great since then.”
This review is just one of many that show how happy customers are with their service from Old Republic, so I gave them a 9.0 for customer experience.
Old Republic Home Protection Company Reputation
4.7/5
Old Republic Home Protection has the highest company reputation score out of all our top providers, mainly because they have great reviews and they’ve been in business longer than most competitors. Old Republic has been operating since 1974, which gives them a solid 50 years of experience that most providers can’t match. Also, ORHP scored fairly high with third-party reviewers, except for Yelp. However, Yelp is more oriented to local businesses such as restaurants, so their low reviews aren’t a deal-breaker. Still, with scores close to 4 out of 5 stars on Trustpilot and Google and an A+ rating from the Better Business Bureau, Old Republic has a lot of positive feedback testifying to their reliability as a company.
| Rating Site | Rating | # of Reviews |
| BBB | A+ / 3.34 out of 5 stars | 1,299 |
| Trustpilot | 3.9 out of 5 stars | 11,406 |
| 3.9 out of 5 stars | 3,655 | |
| Yelp | 1.0 out of 5 stars | 34 |
Editor’s Note: The ratings provided were accurate at the time of writing.
Old Republic Home Protection Claims Process
4.0/5
Old Republic Home Protection’s Homeowner Central portal makes it easy to submit claims and check the status of your claim online 24/7. OHRP also has coverage limits starting at $6,500 for home systems and $3,500 for appliances, so they offer great payouts for covered items. Their spotty national availability can make finding a local servicer difficult in some areas, but if an in-network contractor isn’t available, Old Republic lets you hire an out-of-network technician for no extra cost.
Old Republic has an average response time of 48 hours (per its contract language, excerpted below), which is mediocre at best but not totally out of line with the industry average. However, they speed up their response time to 24 hours in the event of an emergency. Other providers have faster response times even when it’s not an emergency situation (Liberty Home Guard’s average response time is around 12 hours). Still, it’s good that OHRP tries to accommodate customers when the going gets tough. Old Republic may charge fees for non-emergency service calls after hours (as shown below), which brought their claims process score down to 8.0.
Old Republic Home Protection Transparency & Ease of Use
4.0/5
Old Republic Home Protection has a decent score for their transparency and ease of use, but they can’t compete with industry leaders like Liberty Home Guard and First American Home Warranty. Old Republic Home Protection’s sample contract is a lengthy 16 pages, which can make it a bit of a chore to find the information you’re looking for. The tables and charts are extremely easy to decipher, but pages 12 to 15 are filled with state-specific amendments and fine-print details that can get confusing quickly. Still, basic things like coverage details and exclusions are easy to find, so I gave Old Republic an 8.0 out of 10 for transparency and ease of use.
Exclusions
Old Republic Home Protection has the following exclusions on all their plans:
- Accidents, including water damage, failure due to power surge, power overload, or structural damage
- Lightning, mud, earthquake, fire, flood, freezing, ice, snow, soil movement, wind, storms, or acts of nature
- Malfunctions due to missing components or equipment
- Malfunctions due to lack of capacity or incorrect sizing of the existing system or appliance
- Routine maintenance or cleaning
- Damage caused by people, pests, or pets
- Improper repair/installation/modification of the covered item
- Any costs related to repairs or replacements covered, in whole or in part, by an existing warranty
- Manufacturer warnings, recalls, or other design flaws
- Cosmetic or other defects that don’t affect the functioning of the unit
- Solar systems and components
- Electronic, computerized, pneumatic, energy, smart home, or manual management systems
- Commercial equipment or items modified for domestic use
- Outside or underground piping and components for geothermal and water-sourced heat pumps
- Restocking and return shipping fees
Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
Old Republic Home Protection Flexibility in Service Providers
2.5/5
Old Republic Home Protection is a bit unorthodox in how they handle customers choosing their own service providers. They prefer to assign customers a technician from their list of local, in-network contractors, but if an in-network contractor isn’t available, Old Republic Home Protection lets customers choose their own out-of-network technician. This is mainly because OHRP doesn’t serve the entire country (as seen in the image below), and some areas have few or no contractors to choose from.
Still, Old Republic gives you the freedom to choose your own technician no matter where you live, but they do request that you contact them first to ensure your coverage applies to your home warranty service request.
Old Republic Home Protection vs. The Competition
| Company | Rating | Monthly Cost | Service Fee | Response Time | BBB Rating | Link |
|---|---|---|---|---|---|---|
 |
$50-$60 |
$75 |
12-48 hrs. |
NR |
VISIT SITE | |
 |
$35–$75 |
$100–$125 |
24-72 hrs |
B |
VISIT SITE | |
 |
$44.99-$58.99 |
$70 |
48 hours |
A+ |
VISIT SITE | |
 |
$46–$55 |
$85 |
24-48 hrs. |
B |
VISIT SITE | |
 |
$52–$58 |
$75-$85 |
24-48 hrs. |
B |
VISIT SITE | |
 |
$38–$62 |
$75–$125 |
48 hours |
B |
VISIT SITE | |
 |
$38–$48 |
$75–$125 |
48 hours |
B |
VISIT SITE | |
 |
$17–$60+ |
$65–$100 |
2–24 hrs |
A- |
VISIT SITE | |
 |
$28–$68 |
$100–$150 |
2–24 hrs |
B |
VISIT SITE |
Old Republic Home Protection vs. Liberty Home Guard
Although Old Republic Home Protection and Liberty Home Guard are neck and neck when it comes to many of their scores, there are a few areas of marked difference. Liberty ranks higher for their claims process because they have an average response time of 12 hours, which is the fastest of any provider in the industry. However, Old Republic stands out for their high scores in customer experience and company reputation, both of which point to customer satisfaction and OHRP’s overall reliability.
Old Republic has higher coverage limits than Liberty ($6,500 for home systems and $3,500 for appliances compared to Liberty’s $2,000 per item), so they’re the superior choice if you have expensive items or you just want more of a safety net for pricey repairs. On the other hand, Liberty offers 42 available add-ons, so if you have items that other plans won’t cover, Liberty is the ultimate provider when it comes to customizable coverage.
| Provider Subscores (5-Point Scale) | Old Republic Home Protection | Liberty Home Guard |
| Plans and Coverage | 5.0 | 5.0 |
| Cost & Affordability | 4.1 | 3.9 |
| Customer Experience | 4.5 | 3.8 |
| Company Reputation | 4.7 | 4.5 |
| Claims Process | 4.0 | 5.0 |
| Transparency & Ease of Use | 4.0 | 4.7 |
| Flexibility in Service Providers | 5.0 | 5.0 |
Old Republic Home Protection vs. American Home Shield
When stacked up against Old Republic Home Protection, American Home Shield (AHS) has some major strengths, but they may not be obvious from their scores. Even though AHS’ rates change a lot based on location (giving them a lower cost and affordability score), they’re still one of the cheapest home warranty companies on the market. AHS offers plans for under $10 a month in some areas, which is basically unbeatable. Compared to Old Republic’s $50 base price, AHS is definitely the winner for budget-conscious buyers. AHS also has nationwide availability, so they’re much more accessible than Old Republic across the states.
Both companies have great coverage limits, and both companies have been in business for at least 50 years, but where Old Republic really excels is their customer experience and company reputation scores. Their online reviews are consistently higher than AHS’ giving them more weight in my book because their customers are generally very happy with their service. AHS is the better pick for homeowners on a budget, but in terms of overall service, Old Republic is the clear winner.
| Provider Subscores (5-Point Scale) | Old Republic Home Protection | American Home Shield |
| Plans and Coverage | 5.0 | 4.5 |
| Cost & Affordability | 4.1 | 3.8 |
| Customer Experience | 4.5 | 4.1 |
| Company Reputation | 4.7 | 3.7 |
| Claims Process | 4.0 | 4.0 |
| Transparency & Ease of Use | 4.0 | 4.7 |
| Flexibility in Service Providers | 5.0 | 2.5 |
Old Republic Home Protection vs. First American Home Warranty
Both companies have one major drawback: they’re not available nationwide. First American offers coverage in a few more states than OHRP, but neither company is available across the whole country. Still, First American has some unique strengths, specifically when it comes to their claims. They don’t have preset coverage caps for home systems such as electrical and HVAC, which essentially means that FAHW will cover your repairs, no matter how much they cost. On top of that, First American also offers a protection guarantee that makes sure that if they can’t repair your item, they’ll replace it for free, making them one of the best home appliance insurance companies.
Old Republic has high coverage limits as well ($6,500 for home systems and $3,500 for appliances on the Basic and Deluxe plans), but they don’t offer a replacement guarantee. However, Old Republic’s customer experience and company reputation scores blow First American out of the water. Old Republic has an A+ rating with the BBB, which gives them a big advantage when it comes to company reputation. Their Homeowner Central online claims portal makes it easy to make claims and keep track of your repairs, which is also a big perk. Personally, I would choose First American for their limitless coverage for home systems and straightforward sample contracts, but both companies have plenty to offer.
| Provider Subscores (5-Point Scale) | Old Republic Home Protection | First American Home Warranty |
| Plans and Coverage | 5.0 | 4.5 |
| Cost & Affordability | 4.1 | 4.1 |
| Customer Experience | 4.5 | 3.9 |
| Company Reputation | 4.7 | 4.3 |
| Claims Process | 4.0 | 4.0 |
| Transparency & Ease of Use | 4.0 | 4.9 |
| Flexibility in Service Providers | 5.0 | 1.0 |
First American Home Warranty Review
Who is Old Republic Home Protection Best For?
Old Republic Home Protection is best for the following:
- Homeowners in the South or Pacific Northwest regions of the United States
- Homeowners with expensive appliances or systems
- Real estate agents
Given ORHP’s limited availability in the United States, it’s best for homeowners in the South or Pacific Northwest regions. The company doesn’t serve many states in the Northeast or Midwest, as well as Alaska and Hawaii.
Old Republic’s Elite plan perfectly suits homeowners with expensive appliances and home systems. With this top-tier plan, you get unlimited coverage for home systems and $7,000 coverage limits on appliances, which come in handy if you have top-of-the-line equipment.
Old Republic is also perfect for real estate agents since they have a range of resources available to real estate professionals, including an agent toolbox (shown in the images below) on their website.
FAQs
Is Old Republic Home Protection Legit?
Old Republic Home Protection is a legitimate home warranty service provider that operates in select regions of the United States.
How Much Does Old Republic Home Protection Cost?
The average cost of a home warranty plan from Old Republic Home Protection is $65.83 a month, not including service fees. To find out more about the costs associated with home warranties, check out our home warranty cost guide.
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Orlando, Florida.
What Does Old Republic Home Protection Cover?
Old Republic Home Protection covers the following:
- AC refrigerant recharging
- Additional refrigerator/freezer units
- Air conditioners and coolers
- Attic, bath exhaust, ceiling, whole-house fans
- Central vacuum
- Correction of code violations, improper installation/repair/modification, haul away, and permits
- Dishwasher
- Drain line stoppages
- Electrical systems
- Enhanced slab/external leak
- Faucets, showerheads, shower arms
- Garage door hinges, springs, remote transmitters, keypads
- Garage door opener
- Garbage disposal
- Guest home up to 750 square feet
- Instant hot/cold water dispenser
- Kitchen exhaust fan
- Kitchen refrigerator
- Limited roof leak repair
- Oven/range/cooktop/built-in microwave
- Plumbing
- Plumbing pipe leaks (including polybutylene)
- Plumbing valves: angle stops, gate valves, shower and bathtub valves
- Pool/spa equipment (including saltwater)
- Pre-season HVAC tune-up (included with Elite coverage)
- Re-key services
- Septic system/septic pumping
- Trash compactor
- Washers and dryers
- Water heater
- Water pressure regulator
- Water softener/reverse osmosis water filtration system
- Well pump
To learn more about home warranty coverage and its limitations, check out our in-depth guide to what home warranties cover for more information.
How Do You Cancel Old Republic Home Protection?
To cancel your policy with Old Republic Home Protection, fill out the plan cancellation submission on their plan refund page and click submit.
