Old Republic Home Protection Review 2026: Plans and Cost
Flexible service fees and competitive coverage limits on plumbing, HVAC and appliance repairs make Old Republic a contender.
With high coverage limits and flexible service fee options, Old Republic Home Protection is a good pick for homeowners who are looking for more affordable comprehensive coverage. Its optional coverage pricing also makes it a good contender for homeowners on a budget. But coverage is limited to 25 states and Washington, D.C., and its repair guarantee is for only 30 days.
To give you the best insight into Old Republic’s plans, services and reputation, the NerdWallet’s Home Services editorial team read through the company’s sample contract, researched multiple websites and Reddit threads to better understand customers’ experiences and compared quotes for different major cities. We’ve compiled that research into a quick take on Old Republic Home Protection followed by a more in-depth dive into the company’s coverage, pricing, limits, policy exclusions and trends in customer satisfaction.
We compared quotes for different cities and every plan.
We read through Old Republic's sample contract from top to bottom.
We compared Old Republic's policies with its competitors' contracts to identify pros and cons for customers.
Old Republic Home Protection's coverage limits are on the high end compared with competitors, especially for HVAC and appliances.
The Nerds' take on Old Republic Home Protection
Old Republic Home Protection's coverage limits are on the high end compared with competitors, especially for HVAC and appliances.
NerdWallet rating: 3.5 out of 5 stars.
What makes it shine: Plans start at $45 per month, making them more affordable than some competitors’ plans. And you have a choice in how much you pay for a service fee. We also found the cost of optional coverage for additional items to be lower than some competitors’ prices, which makes it a competitive deal for budget-conscious homeowners.
Old Republic’s coverage also has a few perks that our writers appreciate, including rekeying services and disposal of replaced items with the top two plans. The company’s higher coverage limits also give you a bit more wiggle room than some other home warranty companies: HVAC repairs get $6,500 in coverage for a heating system and $6,500 for an air conditioning system, there’s no limit on general plumbing repairs, and appliances are covered up to $7,000 with the top plan.
What could be better: The Basic Plan, which is the cheapest option, doesn’t include coverage for air conditioning systems. That’s a bit of a bummer for anyone who’s concerned about keeping their home cool with the cheapest plan. Old Republic guarantees its repairs for only 30 days, which is standard but on the short end of guarantees, which can be as long as the service agreement. And coverage is available in only 25 states.
Cost | ✅ Competitive prices with alternative payment plans. |
Plan options | ❌ Comprehensive only. |
Optional coverage | ✅ Competitive pricing with a good list of options. |
How much they pay for repairs | ✅ High limits for HVAC, unlimited for plumbing and high options for appliances. |
What they don't cover | ✅ Consistent with competitors' exclusions. |
How long they guarantee repairs | ❌ Only 30 days. |
Customer satisfaction scores | ✅ Customer ratings are above 3.0 out of 5 on multiple websites. |
Old Republic Home Protection plans
Old Republic Home Protection has three comprehensive plans that cover a blend of major home systems and appliances. The Basic plan includes several kitchen appliances and most systems but doesn’t cover a washer and dryer set or air conditioning system. Although the Deluxe and Elite plans cover a nearly identical list of items, the Elite plan increases the amount Old Republic will pay for appliance repairs from $3,500 to $7,000 per appliance. You can read more about this difference below in the section that explains how much the company pays for repairs.
Basic Plan
Deluxe Plan
Elite Plan
Refrigerator
Refrigerator
Refrigerator
Dishwasher
Dishwasher
Dishwasher
Built-in microwave
Built-in microwave
Built-in microwave
Oven/range/cooktop
Oven/range/cooktop
Oven/range/cooktop
Trash compactor
Trash compactor
Trash compactor
X
Washer and dryer set
Washer and dryer set
Basic Plan
Deluxe Plan
Elite Plan
Interior electrical system
Interior electrical system
Interior electrical system
Attic and whole house fans
Attic and whole house fans
Attic and whole house fans
Bath exhaust fans
Bath exhaust fans
Bath exhaust fans
Ceiling fans
Ceiling fans
Ceiling fans
Basic Plan
Deluxe Plan
Elite Plan
Plumbing valves
Plumbing valves
Plumbing valves
Water pressure regulator
Water pressure regulator
Water pressure regulator
Water heater
Water heater
Water heater
Toilets
Toilets
Toilets
X
Faucets, showerheads and shower arms
Faucets, showerheads and shower arms
Plumbing pipe leaks
Plumbing pipe leaks
Plumbing pipe leaks
Drain line stoppage
Drain line stoppage
Drain line stoppage
Garbage disposal
Garbage disposal
Garbage disposal
Instant hot/cold water dispenser
Instant hot/cold water dispenser
Instant hot/cold water dispenser
Basic Plan
Deluxe Plan
Elite Plan
X
Air conditioning or cooling system
Air conditioning or cooling system
Heating system
Heating system
Heating system
Ductwork
Ductwork
Ductwork
X
X
Pre-season HVAC tune-up
Basic Plan
Deluxe Plan
Elite Plan
Central vacuum
Central vacuum
Central vacuum
Garage door opener
Garage door opener
Garage door opener
X
Garage door springs, hinges, key pads and remote control transmitters
Garage door springs, hinges, key pads and remote control transmitters
Rekey service
Rekey service
Rekey service
Basic Plan
Deluxe Plan
Elite Plan
X
Code violation corrections
Code violation corrections
X
Permit documentation
Permit documentation
X
Disposal of replaced items
Disposal of replaced items
X
Repair for improperly installed, repaired or modified items
Repair for improperly installed, repaired or modified items
Old Republic also has optional coverage to include items that aren’t included in your plan. You can read more about that in the cost section below.
» MORE: What does a home warranty cover?
Old Republic Home Protection cost
Monthly fees
Old Republic Home Protection plans range from $45 to $90 per month, based on quotes the NerdWallet editorial team collected.
We compared Old Republic Home Protection’s pricing by requesting quotes for three cities that have different costs of living. Prices differ by zip codes, so you’ll need to give your personal information to the company to receive an accurate quote.
Basic Plan | Deluxe Plan | Elite Plan |
|---|---|---|
$45-$55 per month. | $55-$70 per month. | $70-$90 per month. |
$540-$660 per year. | $660-$840 per year. | $840-$1,080 per year. |
Most home warranty companies allow only monthly payments or a choice between monthly and yearly payments. However, Old Republic adds the option to pay the cost of year’s coverage over three months. For example, with a plan that costs $50 per month ($600 per year), you can choose to pay $200 per month for three months instead. Although this won’t work for all budgets, it’s an option that many of the company’s competitors don’t offer.
👓 Spotted by the Nerds
When many home warranty companies require your contract to automatically renew unless you go through the steps of removing that setting, Old Republic does the opposite. The default setting when you purchase a contract is that your service agreement won’t automatically renew. If you want it to renew automatically, you’ll have to check a box when you purchase a plan.
Service fees
Old Republic offers two service fee options of $100 and $125, which you’ll pay every time a repair technician responds to a claim. You choose your service fee when you sign up for a contract, and paying the higher service fee will lower your monthly fee.
Optional coverage to add items
Old Republic has optional coverage you can add to a plan for an additional monthly fee. This is for items that aren’t included in the company’s plans. It might be more affordable to add optional coverage to a lower plan than pay for a more expensive plan that includes the item you want to cover.
Optional coverage | Quoted price per month |
|---|---|
Additional refrigerator or freezer | $5.00. |
Air conditioner or cooler | $8.00 with Basic Plan, included in Deluxe and Elite Plans |
Enhanced slab and external leak | $9.00. |
Guest home | $14.00-$32.00, depending on plan. |
Limited roof leak repair | $9.00. |
Pool or spa equipment | $25.00. |
Septic system and pumping | $7.00. |
Water softener or reverse osmosis | $7.00. |
Well pump | $7.00. |
Pre-season HVAC tune-up | $2.00 with Basic and Deluxe Plans, included with Elite Plan. |
Pricing is based on quotes the NerdWallet editorial team requested for three different states. Your actual price might vary. | |
» MORE: How much does a home warranty cost?
How much Old Republic pays for repairs, aka coverage limits
Old Republic Home Protection limits how much it will cover toward a particular item, which is common among home warranty companies.
Old Republic Home Protection plan coverage limits | ||
|---|---|---|
Heating system | $6,500. | |
Air conditioning system | $6,500. | |
Electrical | No limit. | |
Plumbing | No limit for general plumbing, $1,500 for slab and polybutylene pipe leaks and $600 per toilet replacement. | |
Appliances | $3,500 per appliance with Basic and Deluxe plans. | $7,000 per appliance with the Elite plan. |
Central vacuum system | $3,500. | |
Garage door opener | No limit. | |
Rekey service | No coverage limit but applies to one rekeying request for six keyholes and four key copies. | |
Coverage enhancements | $500 combined with the Deluxe plan. | $1,000 combined with the Elite plan. |
Like many home warranty companies, Old Republic also has coverage limits for optional items that you can add to your plan. These coverage limits are specific to the item you’re choosing to add to your coverage and can differ from the main category’s coverage limit. For example, an additional refrigerator has a coverage limit of only $500 even though the appliances covered in the Basic plan are covered up to $3,500.
Optional coverage | Quoted price per month |
|---|---|
Additional refrigerator or freezer | $500. |
Limited roof leak repair | $1,000. |
Pool or spa | $3,000. |
Septic tank pumping^ | No limit but covers only one pumping request. |
Septic system and sewage ejector pump^ | $500. |
Well pump | $1,500. |
Enhanced slab leak* | $1,000. |
External plumbing* | $1,000. |
Water softener or reverse osmosis water filtration | $500. |
Pre-season HVAC tune-up | No limit but covers only general maintenance and requires a service fee. |
*Enhanced slab leak and external plumbing are purchased together as one item but have separate coverage limits. ^Septic tank pumping, septic system and sewage ejector pump coverage are purchased together as one item but have separate coverage limits. | |
Read coverage exclusions carefully if you’re getting a home warranty for a condo, townhome, multiplex or guest house. Not all add-on items are available for structures outside of single-family homes.
» MORE: Are home warranties worth it?
When Old Republic Home Protection refuses to pay for repairs, aka exclusions
Old Republic Home Protection covers items that fail because of everyday use, referred to as normal wear and tear. This includes issues related to corrosion, rust and buildup from sediment or chemicals, which many home warranties exclude. However, the company doesn’t cover items that:
Issues that occurred before the start of the service agreement, known as pre-existing conditions.
Incur damage from people, pests or pets.
Have cosmetic defects that don’t affect the item’s function.
Are missing components or parts.
The manufacturer has recalled or determined to be defective.
Some exclusions only apply to certain plans and might be covered if you go with a more expensive plan:
Do not have the capacity to work properly.
Are improperly installed or have been improperly repaired or modified.
The company also doesn’t pay for routine maintenance, which is common among home warranty companies.
NerdWallet's Editorial Team Picks for Best Overall Home Warranties
See which home warranties our writers and editors think are the best options for homeowners.
The fine print in ORHP contracts
Repair guarantee
Old Republic guarantees repairs for 30 days. That means you won’t have to pay another service fee if an approved repair fails and has to be repeated during that time. However, if the repair has to be repeated after 30 days, you’ll have to pay a service fee to have a technician fix the issue again.
Although 30 days is a standard repair guarantee with home warranties, there are a few companies that offer longer guarantees, including AFC Home Warranty and Cinch Home Services.
‘In lieu of repair’
Like many home warranty companies, Old Republic can choose to give you money instead of repairing or replacing a covered item. This can happen when:
The covered item is too old to repair.
The necessary parts are no longer available to repair the item.
The cost to repair the item would be more than what’s left of the coverage limit.
If Old Republic decides to pay you in lieu of a repair or replacement, the company will pay you the same amount it would’ve paid a contractor to repair your item. It’s likely that the amount of money the company pays you won’t be enough to replace the item, and you’ll have to pay the difference out of pocket.
Matching replacements
When Old Republic chooses to replace an item instead of repairing it, the company will use a replacement that has comparable features, efficiency and capacity, as they affect the item’s performance. That means you can expect that replacement item to perform similarly to how your old one did. But any features that were nice to have but weren’t necessary for the item to work properly, such as a delay setting on a dishwasher, aren’t guaranteed to be in the replacement.
Additionally, if the company can replace a system with one with a lesser capacity, such as a water heater, that will perform like your old one performed, it can do that, too.
Old Republic also says it will try to match the color or finish of the appliance if it can do so without going over the coverage limit, but there’s no guarantee the new item will match your other appliances or look just like your old one.
Taking away replaced items
Old Republic will pay to have a covered appliance, system, water heater or HVAC component haul away and disposed of if you have the Deluxe or Elite plans.
However, the coverage limit for items being hauled off is combined with the coverage limit for the other services included in the category of coverage enhancements, including fixing code violations and requesting permits. So if you’ve already dipped into that coverage limit, you’re not guaranteed to have enough coverage left to cover the cost of an item being hauled away.
The combined coverage limit for coverage enhancements is $500 with the Deluxe plan and $1,000 for the Elite plan.
Some home warranty companies, such as American Home Warranty, make efforts to remove replaced items regardless of coverage limit, some companies have lower coverage limits for disposing of items or don’t cover the disposal cost at all.
» MORE: Home warranty vs. home insurance: What's the difference?
Where ORHP is available?
Old Republic is available in 25 states and Washington, D.C.
What homeowners say about Old Republic Home Protection
This section highlights customer reviews and posts about Old Republic Home Protection. Reddit is an online forum where users share their thoughts in “threads” on various topics. The popular site includes plenty of discussion on financial subjects like home warranties, so we sifted through Reddit forums to get a pulse check on how users feel about Old Republic Home Protection. People post anonymously, so we cannot confirm their individual experiences or circumstances. Likewise, we can’t verify the experiences customers post on consumer review websites.
Some customers took to Reddit to highlight positive experiences with Old Republic, including having repairs covered. For example, one redditor commented that they’ve used Old Republic for nine years and had several items repaired or replaced, and another redditor noted that the company paid for the majority of the cost to replace an air conditioning system, leaving them to only pay $200 for a specific part.
One redditor noted that because they lived in an area where there were fewer contractors available, Old Republic let them find their own repair company instead of having to wait longer for repairs.
However, some homeowners mention experiences that left them disappointed in Old Republic’s coverage or service. One customer complaint filed with the Better Business Bureau (BBB) describes an unprofessional repair technician and Old Republic refusing to replace a refrigerator when parts were no longer available. Several other BBB complaints say the company refuses to repair malfunctioning items that are covered by the customers’ contracts.
Some customers also talk about unhelpful customer service and long wait times to talk with a representative. Additionally, the BBB says that its internal review of complaints against Old Republic highlights a lot of issues with reimbursements and claims processing.
» MORE: NerdWallet's picks for best home warranties for rental properties
What to know before buying a home warranty
Reading the coverage and exclusions information in your contract is one of the most impactful things you can do to avoid costly misunderstandings in the future. You have a right to read your contract before purchasing a plan, and it’s important to understand that home warranties:
Always have exclusions to coverage, no matter what their sales pitches say. Read your contract carefully before purchasing a plan — especially anything listed as an exclusion or limit of liability. For example, a company might cover air conditioning systems but exclude certain parts or components, such as coils. Other companies cover plumbing repairs but won’t pay to clear all plumbing stoppages or repair certain types of leaks.
Are not a type of insurance. Even though some companies call their service fees deductibles, home warranties do not work the same way as insurance policies. They differ in what they cover and how they pay for repairs or replacements. A home warranty is not a supplement for homeowners insurance.
Limit how much they pay. If the cost of a repair or replacement goes beyond a limit stated in your contract, you’ll have to pay the difference. For example, if the bill for a repair is $2,000 and the limit is $1,500, you’re required to cover $500. This is in addition to your monthly premium and service fee.
Can deny your claim for several reasons. Examples include if you had work performed on a covered item without approval or you modified the system or appliance.
May not pay enough to cover the full cost of replacing a covered item. Home warranties often depreciate the value of items as they age, so you’ll likely have to pay at least some money to replace an item, even if it’s covered by the contract.
FAQs
How much will Old Republic Home Protection pay for appliance repairs?
The company will pay up to $3,500 per appliance with the Basic and Deluxe plans and up to $7,000 per appliance with the Elite plan.
Will Old Republic Home Protection replace my HVAC or refrigerator if it stops working?
In some cases, the company might replace it, but there’s no guarantee. It depends on a lot of factors, and Old Republic Home Protection will likely try to repair it before agreeing to replace it.
Will Old Republic Home Protection replace my appliance with the exact same model?
The company says it tries to match appliances to similar models to what a homeowner is replacing, but there’s no guarantee that the new appliance will be identical to the old one. The new one might not even match the rest of your kitchen.
Does Old Republic Home Protection cover plumbing?
Yes, the company covers plumbing repairs.
Alternatives to Old Republic Home Protection
Unlike most competitors, First American Home Warranty's most basic warranty covers both systems (plumbing, electrical and heating) and certain appliances.
» MORE: Read our full review of First American Home Warranty.
Compared to competitors, Liberty earns more positive customer reviews. On the Better Business Bureau, consumer ratings average about 4.5 stars out of 5, much higher than other top home warranty companies.
» MORE: Read our full review of Liberty Home Guard.
Unlike most plans, the ShieldPlatinum plan includes roof leak coverage. Usually, this coverage is only available as an add-on.
» MORE: Read our full review of American Home Shield.
Cinch Home Services guarantees their technicians' repairs for 180 days, which is much longer than their competitors' standard 30-day and 60-day guarantees.
» MORE: Read our full review of Cinch Home Services.
Methodology
NerdWallet's Home Services team evaluated home warranties across several factors, including cost, covered items, coverage limits, customer ratings, ability to choose your own technician and warranty on work completed. Because costs can vary by location, it's best to get quotes from multiple companies before making a decision. Read more about how NerdWallet rates home warranties.