Old Republic Home Protection Review (2024)

By Jesus Sanchez Garcia Updated July 14, 2023

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Old Republic Home Protection provides comprehensive appliance and system protection at a competitive price. Founded in California, it has expanded to most contingent states. It covers many major systems and appliances, plus rust, chemical, corrosion, and sediment damage. Our team analyzed Old Republic’s coverage options, limits, and more to determine if it meets our standards for the best home warranty companies.


Overview of Old Republic Home Protection


Old Republic Home Protection Rating and Review

We rated Old Republic Home Protection 4.1 out of 5 stars due to its generous home appliance coverage limits and solid customer service ratings. Its list of unique additional coverage options, such as outdoor kitchen coverage, makes it an enticing choice for homeowners. However, when we secret-shopped on Old Republic’s website, we discovered that this provider primarily sells service contracts to those buying or selling a home. In addition, we found that we couldn’t request a quote online.

Here’s how we rated Old Republic Home Protection on key metrics:

 


 

Benefits and Drawbacks of Old Republic Home Protection

Old Republic provides solid coverage plans and a reasonably priced service call fee. However, it limits who can purchase a plan and excludes coverage for an essential major system in its Standard plan.

Benefits

Drawbacks

 


 

Old Republic Home Protection Coverage Options

Old Republic Home Protection offers new and existing homeowners up to five coverage plans. Each plan includes a mix of home systems and appliance coverage. Only two plans include clothes washer, dryer, and refrigerator coverage; its other three plans require you to purchase washer, dryer, and refrigerator protection as an add-on. Additionally, Old Republic provides a 30-day workmanship guarantee per covered repair.

Here is a coverage breakdown of Old Republic Home Protection’s plan options:

Standard Plan

The Standard plan covers 18 major systems and five appliances, including attic, ceiling, exhaust, and whole house fans; built-in jetted bathtub motors and pumps; built-in microwaves; central vacuums; cooktops; dishwashers; drain line stoppages; ductwork; electrical systems; garage-door openers; garbage disposals; heating systems; instant hot and cold water dispensers; ovens; ranges; plumbing pipe leaks; recirculating pumps; sump pumps; toilets; trash compactors; water heaters; water pressure regulators; rekey services and limited pest control.

Ultimate Plan

The Ultimate plan covers everything listed in the Standard plan, as well as air conditioners and coolers, code upgrades, haul-away services, cranes, improperly installed items, mismatched systems, and refrigerant recapture and disposal. This plan includes the Ultimate Protection add-on.

Ultimate Plan with Washer, Dryer, and Refrigerator

This plan covers all Ultimate items, plus clothes washers, dryers, and refrigerators.

Platinum Plan

The Platinum plan also covers every system and appliance in the Ultimate plan. In addition, it increases the coverage limits of specific HVAC systems, plumbing systems, and zone controls. It adds additional coverage length for manufacturer’s warranties. It covers appliance and system modifications and plumbing stoppages caused by tree roots. Finally, it includes the Total Care package. This package includes external plumbing coverage plus enhanced concrete slab leak limits.

Platinum Plan with Washer, Dryer, and Refrigerator

This plan covers all items in the Platinum plan, plus clothes washers, dryers, and refrigerators.

Optional Add-ons

Old Republic Home Protection offers an extensive list of optional coverage options. Some of its add-ons are unique, such as coverage for solar hot water systems. Below is the full list of Old Republic add-ons:

 


 

Old Republic Home Protection Pricing

Our team called Old Republic and pulled a quote for a 2,500-square-foot, single-family home in Modesto, California. It charges between $32 for the Standard coverage plan and $69 for the Platinum plan with washer, dryer, and refrigerator protection. The Old Republic representative we spoke to stated that the company pairs all plans with an $85 trade call fee.

 


 

Old Republic Home Protection Coverage Caps

Our team read Old Republic’s sample contract and found it pairs different coverage caps per covered item. The representative we spoke with mentioned that picking any of the Platinum plans increases the coverage cap of certain items. You can purchase the Ultimate Protection add-on to increase coverage limits if you purchase a basic or mid-tier plan. The table below shows several coverage limits for Old Republic’s covered items, listed from lowest to highest. We recommend reading its service contract to understand its exact terms, exclusions, and limitations.

ItemCoverage Cap

Air conditioning

$500–$1,500

Heating system

$500–$1,500

Water heaters

$500–$2,500

Ductwork

$1,000

Plumbing

$1,500–$2,500

Appliances

$5,000

 


 

Old Republic Home Protection Reviews

Old Republic holds a stellar A+ rating with the BBB and a 3.8 out of 5-star rating on third-party review sites such as Trustpilot. Many customers praise the speed of Old Republic’s response time and knowledgeable in-network technicians. Others dislike Old Republic’s delayed communication with service providers and unexpected claim denials.

Here are several positive consumer reviews of Old Republic Home Protection:

Great. Easy, quick. Got call from the repair firm the same day. An appointment was set for repairs not long after. The repair firm they contacted was excellent. I love not having to find a reliable repair company and can trust the people Old Republic sends out. Very happy with everything!—John C. via BBB

They are very efficient. My issues are solved very quickly, and the representatives are always courteous, friendly, and polite. You always get someone on the phone, and the online service is very good as well. —Margarete via Trustpilot

ORHP is a very good home warranty plan. This is my third house with an ORHP plan. They sent a great company to fix my dryer. The funny thing is that I thought it was the washing machine, but the repairman explained the marks came from my dryer. We were very happy with the quick service and the repairman’s knowledge and how very nice he was.” —Beth via Trustpilot

Here are a few negative consumer reviews:

Not worth the paper it’s written on. If your realtor wants to give you a home warranty, make sure it’s one that actually covers things like an A/C compressor. I don’t need a warranty to cover $50 items. I can pay for that myself. The whole point of a warranty is to cover major problems. So I paid $75 for them to tell me they won’t cover my issue. Thanks for nothing Old Republic.—Robert M. via BBB

We had an appointment, but the vendor had to cancel and reschedule another week out. That seems a long time to wait for a reschedule. Not pleased.—Martin H. via Trustpilot

The coverage is comparable to other companies for a similar cost, but the service has been abysmal. We have been waiting four months for our microwave replacement after it was repaired twice for the same issue and we waited two months for parts. We’ve had the same issue with our dishwasher since October. The last time they came out, they said there was nothing wrong with it, but it still only works about half the time.” —Kristina via Trustpilot

 


 

How Old Republic Home Protection Compares to the Competition

The table below, listed from highest to lowest rating, displays how Old Republic Home Protection compares to other top home warranty companies.

ProviderMonthly CostService Fee
AFC Home Club$38–$63$75–$125
First American Home Warranty$47–$87$75–$125
Liberty Home Guard$49–$60$65–$125
American Home Shield$29–$90$100–$125
Old Republic Home Warranty$32–$69$85
Select Home Warranty$44–$48$60–$75

 


 

Our Recommendation

Old Republic Home Protection is worth considering if you’re buying or selling a home. Its extensive coverage options, add-ons, competitive prices, and generous appliance limits make it an attractive home warranty provider. Providers such as American Home Shield may better suit your needs if you’re looking for comprehensive built-in system protection.

Before choosing a home warranty, we recommend pulling quotes from three providers to compare costs and coverage options.

 


 

Old Republic Home Protection FAQ

How do I file a claim with Old Republic Home Protection?

You can file a claim with Old Republic Home Protection by calling its 24/7 claims phone line. You can also request service by logging into Old Republic’s online portal. The company will send a service technician within 48 hours under normal circumstances.

What is a trade service call fee?

A trade service call fee is similar to an insurance deductible. You must pay your home warranty provider a fee to repair or replace an appliance or system breakdown.

What are the benefits of having an Old Republic Home Protection plan?

The benefits of owning an Old Republic protection plan include having comprehensive coverage for your home’s major appliances. It covers up to $5,000 per covered appliance, which is higher than most providers. In addition, Old Republic covers many common systems, such as central vacuum systems and HVAC tune-ups.

Does Old Republic Home Protection allow me to choose my service contractor?

Old Republic doesn’t typically allow you to choose your service contractor unless there is not an in-network technician near you. Before you find a contractor, contact Old Republic and get approval to ensure it will cover your repair.

 


 

How We Chose the Top Home Warranty Providers

Our team reviewed and researched dozens of home warranty providers, thoroughly analyzed sample agreements, and identified customer pain points based on analysis of customer reviews and interviews with industry experts. Our in-depth methodology guides our review process to provide transparent information about the companies we review.

During this process, we determined that the most critical aspects of a home warranty company include available service plans and add-ons, depth of coverage, plan cost, industry reputation, customer support infrastructure, and additional features. We also focused on the ability to choose your own contractor, upgrade your coverage package, transfer your plan to another owner, and cover roof leaks, high-end appliance brands, ceiling and exhaust fans, and faucets and fixtures.

Our research supported that plan coverage should carry the most weight, with customer support as the second-most important factor. Industry reputation, plan availability, and additional features were rated equally. We determined that price range, while worth considering, should not be the primary basis for choosing a home warranty provider for your home’s needs.