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Old Republic Home Protection Review 2025: Plans and Pricing
Flexible service fees and competitive caps on electrical and plumbing repairs make the company a contender.
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How is this page expert verified?
NerdWallet's content is fact-checked for accuracy, timeliness and relevance. It undergoes a thorough review process involving writers and editors to ensure the information is as clear and complete as possible.
Whitney Vandiver writes for NerdWallet, currently focusing on home services, and has been published in the The Washington Post, the Los Angeles Times, The Seattle Times and The Independent. When she's not writing, she enjoys reading with a hot latte and spending time with her family. She is based in Houston.
Julie Myhre-Nunes leads the Home Services team, covering home improvement, home warranties, home security, solar and moving. She has over a decade of experience in personal finance. Before joining NerdWallet, she led editorial teams at Red Ventures and several startups. Her personal finance insights have been featured in Forbes, The Boston Globe and CNBC, while her writing has appeared in USA Today, Business Insider, Wired Insights and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of home warranty being reviewed and the warranty's cost, coverage levels, customer reviews and other features.
We'll match you with home warranty companies based on details like your state, the appliances you want covered, and your budget. No personal information required.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of home warranty being reviewed and the warranty's cost, coverage levels, customer reviews and other features.
We'll match you with home warranty companies based on details like your state, the appliances you want covered, and your budget. No personal information required.
Monthly fees
This cost is based on quotes gathered in March 2024.
$45 and up
Service fees
$100 to $125
per claim
States available
Excludes 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.
25
states, and Washington, D.C.
Key facts
Old Republic Home Protection's coverage limits are on the high end compared with competitors, especially for HVAC and appliances.
Pros
High coverage limits on HVAC, electrical and appliances.
May be able to choose your own contractor.
Decent customer satisfaction ratings compared to competitors.
Cons
If they have to put a hole in the wall, wall repair is only for a rough finish, no texture or paint.
Monthly fees
This cost is based on quotes gathered in March 2024.
$45 and up
Service fees
$100 to $125
per claim
States available
Excludes 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.
25
states, and Washington, D.C.
IS THIS COMPANY AVAILABLE IN MY STATE?
IS THIS COMPANY AVAILABLE IN MY STATE?
Key facts
Old Republic Home Protection's coverage limits are on the high end compared with competitors, especially for HVAC and appliances.
Pros
High coverage limits on HVAC, electrical and appliances.
May be able to choose your own contractor.
Decent customer satisfaction ratings compared to competitors.
Cons
If they have to put a hole in the wall, wall repair is only for a rough finish, no texture or paint.
With high coverage caps and flexible service fee options, Old Republic Home Protection is a good pick for homeowners who are looking for comprehensive coverage in a home warranty.
Old Republic Home Protection’s Basic plan covers a lot of appliances and systems, such as plumbing and electrical, compared to its competitors’ cheapest plans. All three of the company’s warranty plans feature high coverage caps for heating systems and no coverage caps for electrical repairs. The company also allows customers to choose between two service fees, which can lower their monthly premiums. Overall, Old Republic Home Protection has good customer satisfaction ratings.
Our take on Old Republic Home Protection
Overall
3.5
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
Pricing
4.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
Service fees
5.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
Coverage limits
5.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
Workmanship guarantee
3.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
Customer satisfaction
4.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
This is a snapshot of some of the information we consider when rating home warranty companies and not a representation of our full evaluation criteria.
When you need service on a covered item, you can request a service technician to visit your home through the company’s website or by calling Old Republic Home Protection.
Once you request service, Old Republic Home Protection contacts a technician.
The company’s technicians typically schedule appointments within 48 hours.
Once the technician identifies the problem, they verify coverage with Old Republic Home Protection; if it’s covered, the technician will then repair it.
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:
Have pre-existing conditions (issues that occurred before the start of the service agreement).
Incur damage from people, pests or pets.
Have cosmetic defects that don’t affect the item’s function.
Are missing components or parts.
Do not have the proper capacity.
Are improperly installed.
The manufacturer has recalled or determined to be defective.
The company also doesn’t pay for routine maintenance. This exclusion is common among competitors.
Plan types and additional coverage
Old Republic Home Protection has three plans:
The Basic plan covers a heating system with ductwork; plumbing including garbage disposal, instant hot/cold water dispensers, pipe leaks and valves, drain line stoppage, toilets, water pressure regulators and water heater; electrical systems such as electricity, garage door openers, central vacuums, rekeying service and ceiling fans; and most appliances, including dishwashers, exhaust fans, trash compactors, refrigerators, stoves, microwaves and ovens.
The Deluxe plan has everything in the Basic plan plus coverage for air conditioning systems, plumbing fixtures such as faucets, electrical garage door components (such as remotes and keypads) and one washer and dryer set. It also adds coverage for correcting code violations, improper installations and hauling away replaced items.
The Elite plan has everything in the Deluxe plan but has higher coverage limits for appliances and includes an HVAC tuneup.
You can also add coverage for an additional fee. Old Republic Home Protection has optional coverage available for:
Pools and spas.
Septic tank and systems.
Additional refrigerators or freezers.
External plumbing and slab leaks.
Water softeners and filtration systems.
Guest homes up to 750 square feet.
HVAC tuneup.
Air conditioner for customers who purchase the Basic plan.
Coverage caps
Old Republic Home Protection limits how much it will cover toward a particular item, which is common among home warranty companies. These coverage caps include:
No cap for electrical.
Plumbing coverage varies by item ($600 for toilet replacement and $1,500 for plumbing pipe leaks, for example).
$6,500 per heating and air conditioning system.
$3,500 per appliance for the Basic and Deluxe plans; $7,000 per appliance for the Elite plan.
$500 for additional services with the Deluxe plan; $1,000 for these services with the Elite plan.
Old Republic Home Protection plans start at $45 and go as high as $80 per month. The average cost among the quotes we collected is $59.72 per month.
We compared Old Republic Home Protection’s pricing by requesting quotes for three cities that have different costs of living.
City
Basic Plan monthly premium
Deluxe Plan monthly premium
Elite Plan monthly premium
Anaheim, CA
$50.00-$55.00.
$55.00-60.00.
$75.00-$80.00.
Scottsdale, AZ
$45.00-$50.00.
$50.00-$55.00.
$65.00-$70.00.
Tulsa, OK
$50.00-$55.00.
$55.00-$60.00.
$70.00-$75.00.
Average price
$50.83.
$55.83.
$72.50.
Prices in this table show a range of quotes that differ by service fee; generally selecting a lower service fee raises the cost of a monthly premium.
Like its competitors, Old Republic Home Protection charges customers a service fee every time a technician responds to a claim. The company calls this a “trade call fee.”
You can choose to pay $100 or $125 for service fees when they sign up for a plan.
The monthly premium is higher if you choose a $100 service fee instead of a $125 service fee.
You'll pay the service fee even if Old Republic denies the claim.
Good to know! Old Republic Home Protection's service fees vary by state and by plan. Be sure to review the fine print in your contract to understand what your service fee will be.
Old Republic Home Protection, like most home warranty companies, guarantees technicians’ work for 30 days. If a customer has to request a second repair within the 30 days following the first repair, they won’t pay a service fee.
M-F 9:30am-9:30pm ET, Sa 10am-7pm ET, Su 10am-6pm ET
Call Liberty Home Guard
Limited-Time Deal: $200 off plus 2 free months of coverage
when the payment is annual
on Liberty Home Guard's website
Monthly fees
$50 and up
Service fees
$70–$125
per claim
States available
50
states, and Washington, D.C.
Themes from customer reviews
NerdWallet considered customer reviews from three review websites to get a wider perspective of customer experiences. We’ve highlighted the types of experiences that we’ve found to be most common, keeping in mind that online reviews tend to lean toward negative experiences.
Trustpilot: 4.0 out of 5.
ConsumerAffairs: 4.0 out of 5.
Better Business Bureau: 3.36 out of 5.
Among negative reviews, customers highlighted unreliable technicians who were unable to repair covered items and poor communication with customer service representatives. Customers who gave Old Republic Home Protection high marks comment on quick response times for repairs and helpful customer service.
Pros of Old Republic Home Protection
There are several benefits to Old Republic Home Protection’s plans, including:
High coverage limits. Old Republic Home Protection’s coverage caps are higher than most of its competitors, especially for HVAC systems and appliances. It also ranks high for electrical because it has no caps on those repairs.
Choice of technician. The company lets customers choose their own technicians if they request to do so. Not all home warranty companies have this option.
Good customer satisfaction. Old Republic Home Protection’s overall customer satisfaction scores are higher than some of its competitors, especially for quick repairs and customer service.
Cons of Old Republic Home Protection
There is a downside to Old Republic Home Protection:
Doesn’t pay for full access repair. If a technician needs to cut into a structure, such as a wall or ceiling, to access a covered item, Old Republic Home Protection’s plans won’t pay to repair the structure. It will pay to have it brought back to a rough finish but not textured or painted.
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.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of home warranty being reviewed and the warranty's cost, coverage levels, customer reviews and other features.
Promo Code: FA200. Offer valid for new customers at the time of purchase on Consumer Essential or Premium Plan version #G. Excludes warranty plans for home buyers, sellers, agents and renewals.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of home warranty being reviewed and the warranty's cost, coverage levels, customer reviews and other features.
Promo Code: FA200. Offer valid for new customers at the time of purchase on Consumer Essential or Premium Plan version #G. Excludes warranty plans for home buyers, sellers, agents and renewals.
CHW's basic plan starts at $46.67 per month, the company confirms.
$42 and up
Service fees
$100 or $125
per claim
States available
Excludes Washington.
35
states
Key facts
Unlike most competitors, First American Home Warranty's most basic warranty covers both systems (plumbing, electrical and heating) and certain appliances.
Pros
Will pay for some wall damage when accessing repairs.
High coverage limits on electrical and plumbing.
Decent customer satisfaction ratings compared to competitors.
Cons
Coverage limited to 36 states.
Have to use its contractors.
Monthly fees
CHW's basic plan starts at $46.67 per month, the company confirms.
$42 and up
Service fees
$100 or $125
per claim
States available
Excludes Washington.
35
states
IS THIS COMPANY AVAILABLE IN MY STATE?
IS THIS COMPANY AVAILABLE IN MY STATE?
Key facts
Unlike most competitors, First American Home Warranty's most basic warranty covers both systems (plumbing, electrical and heating) and certain appliances.
Pros
Will pay for some wall damage when accessing repairs.
High coverage limits on electrical and plumbing.
Decent customer satisfaction ratings compared to competitors.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of home warranty being reviewed and the warranty's cost, coverage levels, customer reviews and other features.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of home warranty being reviewed and the warranty's cost, coverage levels, customer reviews and other features.
The Appliance Guard plan starts at $49.99 per month, the company confirms. If you pay for an annual plan, the effective rate is $35.71 per month.
$50 and up
Service fees
$70–$125
per claim
States available
50, including Washington, D.C.
50
states, and Washington, D.C.
Key facts
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.
Pros
Can choose your own contractor.
Coverage in all states.
High customer satisfaction ratings.
Cons
Won't pay for wall damage when accessing plumbing or electrical items.
Low coverage limits on electrical and plumbing.
Monthly fees
The Appliance Guard plan starts at $49.99 per month, the company confirms. If you pay for an annual plan, the effective rate is $35.71 per month.
$50 and up
Service fees
$70–$125
per claim
States available
50, including Washington, D.C.
50
states, and Washington, D.C.
IS THIS COMPANY AVAILABLE IN MY STATE?
IS THIS COMPANY AVAILABLE IN MY STATE?
Key facts
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.
Pros
Can choose your own contractor.
Coverage in all states.
High customer satisfaction ratings.
Cons
Won't pay for wall damage when accessing plumbing or electrical items.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of home warranty being reviewed and the warranty's cost, coverage levels, customer reviews and other features.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of home warranty being reviewed and the warranty's cost, coverage levels, customer reviews and other features.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of home warranty being reviewed and the warranty's cost, coverage levels, customer reviews and other features.
We'll match you with home warranty companies based on details like your state, the appliances you want covered, and your budget. No personal information required.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of home warranty being reviewed and the warranty's cost, coverage levels, customer reviews and other features.
We'll match you with home warranty companies based on details like your state, the appliances you want covered, and your budget. No personal information required.
Monthly fees
This cost is based on quotes gathered in April 2024.
$31 and up
Service fees
$100, $125 or $150
per claim
States available
Excludes Alaska and Hawaii.
48
states, and Washington, D.C.
Key facts
Cinch Home Services guarantees their technicians' repairs for 180 days, which is much longer than their competitors' standard 30-day and 60-day guarantees.
Pros
Will pay for wall damage when accessing covered items.
High coverage limit.
Decent customer satisfaction ratings.
Coverage is available in 48 states.
Cons
Coverage limit is aggregated for all claims.
Can't choose your own contractor.
Monthly fees
This cost is based on quotes gathered in April 2024.
$31 and up
Service fees
$100, $125 or $150
per claim
States available
Excludes Alaska and Hawaii.
48
states, and Washington, D.C.
IS THIS COMPANY AVAILABLE IN MY STATE?
IS THIS COMPANY AVAILABLE IN MY STATE?
Key facts
Cinch Home Services guarantees their technicians' repairs for 180 days, which is much longer than their competitors' standard 30-day and 60-day guarantees.
Pros
Will pay for wall damage when accessing covered items.
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.
