Old Republic Home Protection Review

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Contributor, Benzinga
September 29, 2022
Old Republic Home Protection
securely through Old Republic Home Protection's website

Old Republic offers three home warranty plans and three commercial real estate home warranty plans for homeowners and real estate professionals in 29 states. There is a $75 trade service call fee (the amount you have to pay upfront for a service call). The company has a stellar customer service rating, maintaining an A+ rating with the Better Business Bureau for over 20 years. You can service your policy or report a claim online 24/7/365. Coverage is available in one-year or two-year policy terms.

Best For
  • Comprehensive coverage with a platinum plan
  • Commercial real estate options
Pros
  • A+ rating from the BBB
  • No age restriction for systems and appliances
  • Reimbursement for emergency lodging
  • In emergency situations, the company provides expedited services whenever possible
Cons
  • Coverage only available in 29 states
  • Coverage for homes less than 5,000 square feet unless prior approval is received

Old Republic Home Protection Ratings at a Glance

Product Offering
Customer Service
Customer Pricing
User Benefits
User Experience
Overall

Old Republic Home Protection is headquartered in San Ramon, California, and has been operating for more than 40 years. The company serves homeowners and real estate agents in 29 states with home warranty protection. In 1982, Old Republic International acquired the company and made it a wholly owned subsidiary. For almost 20 years, Old Republic has maintained its A+ rating from the Better Business Bureau.

Old Republic Home Protection Product Offering

Homeowners insurance does not cover normal wear and tear of your home’s system and appliances. This is where home warranty coverage can be beneficial in protecting your home. The standard home warranty is a one-year service contract that protects the buyer of a used home from the cost of sudden repairs or replacements of major home systems and appliances that break down because of normal wear and tear. Home sellers can also get home system and warranty and appliance warranty coverage while their home is on the market and or in escrow. This helps them make sure that unplanned repairs don't delay the sale closing.

Old Republic offers its warranty plan brochures online and services and warranty options may change based on where you live

Homeowner Plans

Old Republic offers three home warranty plans: Standard, Ultimate and Platinum. Standard is the most basic plan with the least options, and Platinum is the most comprehensive coverage plan available. Optional coverage is available at an additional fee, and not all plans and coverage options are available in every state.

COVEREDStandardUltimatePlatinum
Heating system/ductwork coverage
Air conditioner/cooler
Limited pest control 
Appliance coverage
Plumbing
Electrical 
Garage door opener
Central vacuum
Rekey service
Enhanced plumbing coverage
Enhanced heating system coverage
Water heater
Dishwasher
Over/microwave/range/cooktop
Trash compactor
Smoke detector
Enhanced air conditioner coverage
Ultimate protection plumbing
Code violation repairs
Water-sourced heating and air conditioning systems

**Optional coverages that can be purchased for an additional fee include: preseason HVAC tuneup; swimming pool/spa equipment; ornamental fountain; limited roof leak repair; outdoor kitchen; additional refrigeration units; water softener/reverse osmosis/water filtration system; well pump; booster pump; enhanced slab leak limit/external plumbing; and septic tank pumping/septic system/sewage; ejector pump.

Commercial Real Estate (CRES) Plans

Old Republic’s commercial real estate (CRES) plans are for real estate professionals buying and selling homes. The company offers three CRES plans: standard, ultimate and platinum. Your coverage begins at the close of the sale. Optional coverage is available for an extra fee, and not all plans and coverage options are available in every state.

COVEREDStandardUltimatePlatinum
Heating system/ductwork coverage
Air conditioner/cooler
Limited pest control 
Appliance coverage
Plumbing
Electrical 
Garage door opener
Central vacuum
Rekey service
Enhanced plumbing coverage
Enhanced heating system coverage
Water heater
Dishwasher
Over/microwave/range/cooktop
Trash compactor
Smoke detector
Enhanced air conditioner coverage
Ultimate protection plumbing
Code violation repairs
Water-sourced heating & air conditioning systems

**Optional coverages that can be purchased for an additional fee include: preseason HVAC tuneup; swimming pool/spa equipment; ornamental fountain; outdoor kitchen; additional refrigeration units; water softener/reverse osmosis/water-filtration system; well pump; booster pump; enhanced slab leak limit/external plumbing; and septic tank pumping/septic system/sewage; ejector pump; and structural.

Customer Service

Old Republic Home Protection accepts service requests 24/7 365 days a year. Old Republic customers can make service requests by logging into their Homeowner Central accounts on orhp.com or calling 800-972-5985. You'll be connected with an independent service provider from the company's network who will give the requested assistance and arrange a convenient appointment time with you.

As soon as the problem is identified, the service provider will verify coverage and begin working to fix or replace your insured item. Homeowner Central gives you 24/7 online access to the status of your service requests.

Customer Pricing

Prices for an Old Republic Home Warranty plan are different in each state, as is the case with other home warranty providers. Benzinga researched the costs of the listed Texas plans and included the findings below. Get in touch with the company to find out about local pricing.

Homebuyer Plans

Standard Coverage1-Year Plan2-Year Plan
Single-family home$440$815
Condo/townhome/mobile home$385$710
Ultimate Protection
Single-family home$550$1,035
Condo/townhome/mobile home$495$930
Ultimate ProtectionWith Washer/Dryer/Kitchen Refrigerator
Single-family home$635$1,175
Condo/townhome/mobile home$560$1,035
Platinum Protection
Single-family home$750$1,435
Condo/townhome/mobile home$695$1,330
Platinum ProtectionWith Washer/Dryer/Kitchen Refrigerator
Single-family home$800$1,500
Condo/townhome/mobile  home$725$1,370

Pricing for all plans is not listed on the brochure, so you can call 800-445-6999 to get a quote for all available home warranty plans.

User Benefits

Old Republic Home Protection is a reputable home warranty service provider. These are the user benefits the company wants its customers to know they will receive when doing business with Old Republic.

  • 24/7 customer and claims service 365 days a year
  • Service your account and check status online 24/7
  • Quick-fix tips resources for homeowners who may be able to do do-it-yourself (DIY) repairs and avoid a trade service call fee

User Experience

Old Republic prides itself on servicing customers, and it shows with the company’s long-standing A+ BBB ratings.

It is the company’s policy to begin working on your claim within 48 hours. The service provider will contact you directly to arrange a convenient time for both of you to get the repairs done.

When an emergency claim is filed, such as when there is no power, water or sanitary facilities for the entire home, when there is a threat to the health or safety of the occupants or when there is a system malfunction that will cause ongoing damage to the home, Old Republic will do everything it can to respond within 24 hours.

Customers will enjoy 24/7 access 365 days a year for customer service and claims service both online and by telephone. 

Old Republic Home Warranty Versus Competitors

Old Republic Home Protection's competitors include other home warranty providers such as First American Home Warranty and American Home Shield. The table below compares the services offered by these home warranty companies. You can use this comparison to help you get started looking for a home warranty protection plan.

Overall

Across 29 states, Old Republic provides homeowners and real estate agents with a choice of three different home warranty programs. The company has been recognized for its outstanding customer service for over 20 years, earning an A+ rating from the Better Business Bureau throughout that time. Your online access to policy services and claims reporting is always available. Policies can be purchased with terms of either one or two years of coverage.

Old Republic may not be the best option if your property is larger than 5,000 square feet, as coverage would require preapproval. The company is a solid option to consider when looking for home protection services because of the comprehensive and reasonably priced home warranty coverage it offers.

Frequently Asked Questions

\r\n\r\nAccording to Old Republic Home Protection’s terms of service, homebuyer's coverage is effective for the term indicated on the declaration of coverage. Coverage is normally effective upon close of sale for a one-year term. Your plan's effective date and terms may vary. The plan fee must be received within 30 days after close of sale.\r\n\r\n
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About Janet Hunt, Insurance Agent

Janet has been working in, and writing about, the insurance industry for over 20 years.