Old Republic Home Warranty Review

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Old Republic Home Warranty

Old Republic Home Warranty

Our Take

Old Republic Home Warranty is an inexpensive option that covers homeowners in 27 states. An unusual coverage offered is the emergency lodging if your home is uninhabitable during a claim and coverage for your home insurance deductible if applicable. 

Based on our review of over 20 home warranty providers, Old Republic Home Warranty was not one of the best companies we found. To see other options that may be better, visit our list of the best home warranty companies.

  • Pros and Cons
  • Key Takeaways
  • Specifications
Pros and Cons
What We Like
  • Founded in 1974

  • Highest BBB rating of ”A+” for 20+ years

  • Multiple plans for homeowners and real estate professionals 

  • Systems and appliances are covered regardless of age

  • Emergency lodging and home deductible reimbursement

What We Don't Like
  • Coverage is only available in 25 states 

  • Exclusions on many major heating and air conditioning components

  • No option to add additional coverage at renewal

Key Takeaways
  • There are two trade service fee options to help homeowners better control costs.  
  •  You can obtain increased coverage for zone controls and HVAC systems that is often excluded from coverage for most companies.
  • Emergency lodging reimbursement is a loss of use coverage that pays expenses associated with staying in a hotel while your home is uninhabitable.
Specifications
  • Year Founded 1974
  • Coverage 27 states and D.C. (AL, AZ, CA, CO, DC, FL, GA, HI, ID, KS, KY, LA, MD, MS, MO, NV, NM, NC, OH, OK, OR, SC, TN, TX, UT, VA, WA, WY)
  • Customer Service 24/7 online or by telephone (800-445-6999)
  • Waiting Period 30 days
  • Contractor Network Independent contractor network in operational states.
  • Service Recall Period 30-day guarantee on service work.
  • Number of Plans 4 plans for homeowners including optional coverage. 5 plans for real estate professionals including optional coverage.
  • Coverage Limit Caps of $500 to $3,500 for various appliances/systems.
  • Contract Length 1 year
  • Payment Options Company reserves the right to determine if systems will be repaired or replaced, and may offer cash in lieu of repair/replacement.
  • Cost Prices range from $410 to $775 yearly depending on plan. $75 or $100 trade call fee options available.
  • Official Website https://www.orhp.com/

Old Republic has a solid reputation with over 40 years in the industry and an “A+” BBB rating. It offers home warranty plans to homeowners and real estate professionals in 27 states and D.C.. 

In our review of Old Republic Home Warranty, we researched the company’s pricing, plan options, exclusions, coverage territory and more. Read on to see if Old Republic could be the right choice for your home warranty coverage plan

Company Overview

Old Republic Home Warranty has been in business since 1974 and is headquartered in San Ramon, California. The company offers home warranty coverage to homeowners and real estate professionals in 27 states and Washington, D.C.:

  • Alabama 
  • Arizona 
  • California
  • Colorado
  • Washington, D.C.
  • Florida 
  • Georgia 
  • Hawaii
  • Idaho
  • Kansas
  • Kentucky 
  • Louisiana 
  • Maryland
  • Mississippi 
  • Missouri
  • Nevada
  • New Mexico
  • North Carolina 
  • Ohio
  • Oklahoma 
  • Oregon 
  • South Carolina 
  • Tennessee 
  • Texas 
  • Utah
  • Virginia 
  • Washington
  • Wyoming

Homeowner Plans

Old Republic offers four plans: Essential, Standard, Ultimate, and Platinum. Essential 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.

COVERED Essential Standard Ultimate Platinum
Primary Gas, Oil or Electric Heater
Air Conditioner/Cooler
Ductwork
Drain Line Stoppages
Plumbing Pipe Leaks (including polybutylene)
Toilets
Water Heater
Built-in Jetted Bathtub Motor & Pump
Recirculating Pump
Instant Hot/Cold Water Dispenser
Garbage Disposal
Water Pressure Regulator
Sump Pump
Electrical System
Exhaust, Attic, Ceiling, Whole House Fans
Garage Door Opener
Central Vacuum
Rekey Service N/A
Dishwasher
Trash Compactor
Kitchen Exhaust Fan
Oven/Range/Cooktop
Built-in Microwave Oven
Washer/Dryer/Kitchen Refrigerator  
Home Deductible Reimbursement  
Emergency Lodging Reimbursement  
Ultimate Enhancements    
Refrigerant Recapture, Reclaim and Disposal    
Code Upgrades • Permits • Haul Away • Cranes      
Mismatched Systems • Improper Installation      
Increased Coverage for Plumbing items/ Stoppages      
Increased Coverage for Manufacturer's Warranty      
Modifications (with additional code upgrades)      
Increased Coverage for zone controls and specific HVAC Systems      

**Optional coverages that can be purchased for an additional fee include: Pre-season HVAC Tune-up; 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 CRES plans are for home sellers and home buyers. Coverage is effective upon close of the sale. Optional coverage is available for an additional fee and not all plans and coverage options are available in every state. 

COVERED Essential Standard Ultimate Platinum
Primary Gas, Oil or Electric Heater
Air Conditioner/Cooler
Ductwork
Drain Line Stoppages
Plumbing Pipe Leaks (including polybutylene)
Toilets
Water Heater
Built-in Jetted Bathtub Motor & Pump
Recirculating Pump
Instant Hot/Cold Water Dispenser
Garbage Disposal
Water Pressure Regulator
Sump Pump
Electrical System
Exhaust, Attic, Ceiling, Whole House Fans
Garage Door Opener
Central Vacuum
Rekey Service N/A
Dishwasher
Trash Compactor
Kitchen Exhaust Fan
Oven/Range/Cooktop
Built-in Microwave Oven
Washer/Dryer/Kitchen Refrigerator   N/A
Home Deductible Reimbursement  
Emergency Lodging Reimbursement  
Ultimate Enhancements    
Refrigerant Recapture, Reclaim and Disposal    
Code Upgrades • Permits • Haul Away • Cranes      
Mismatched Systems • Improper Installation      
Increased Coverage for Plumbing items/ Stoppages      
Increased Coverage for Manufacturer's Warranty      
Modifications (with additional code upgrades)      
Increased Coverage for zone controls and specific HVAC Systems      
Total Care: Enhanced Slab Leak Limit/ External Plumbing      

**Optional coverages that can be purchased for an additional fee include: Pre-season HVAC Tune-up; 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.

Some exclusions are the result of improper installation such as the limited roof leak repair and exclusions. If you’re buying a home, make sure the inspection notes any concerns you should have leading to exclusions.

Exclusions

  • Heating systems: Timers/clocks that do not affect the heating/cooling operation of the unit; vents; flues; fuel storage tanks; freestanding/window units; cable heat; zoning controls and respective equipment; secondary drain pan; duct insulation; dampers; filters; diagnostic testing of or locating leaks in ductwork (as required by any federal, state or local regulation, or when required due to the installation or replacement of system equipment); fireplaces and key valves; grain, wood, or pellet stoves (even if primary source of heat); use of cranes or other lifting equipment to repair or replace units/system components; electronic air filters/cleaners; humidifiers and respective equipment; chillers and respective equipment; condensate drain pump; inaccessible heat pump refrigerant/condensate lines; Smart Vents and the like
  • Air conditioner/cooler: Gas air conditioning units; portable units; zoning controls and respective equipment; window units; cooler pads; secondary drain pan; use of cranes or other lifting equipment to repair or replace units/system components; chillers and respective equipment; condensate drain pump; failures caused as a direct result of previous sealant or alternative refrigerant use; inaccessible refrigerant/condensate lines; refrigerant recapture, reclaim and disposal
  • Plumbing: Fixtures; bidets and remotes; faucets; Roman tub valves/faucets; showerheads, handles, arms; hose bibbs; multi-valve manifolds and other attachments to pipes; gas log lighter; toilet lids and seats; water heater vents and flues; shower pans; stoppages due to roots or foreign objects; leaks/damage caused by roots; stoppages that cannot be cleared with cable or hydro-jetting; flow restrictions in supply lines; water heater heat pump attachment; holding, storage or expansion tanks; bathtub jets; tub spout or tub spout diverter; shower towers; thermostatic valves; spray arms; basket strainer; fire suppression systems; pop-up assemblies; noises or odors without a related malfunction; caulking or grouting; inadequate or excessive water pressure. In the event of a stoppage: access to drain lines from vent; removal of toilet; and costs to locate, access or install a ground-level clean-out; stoppages in supply lines or drain lines for sprinkler, irrigation, landscape and pool/spa equipment
  • Electrical: Light fixtures, including those on ceiling fans; bulbs; ballasts; heat lamps; doorbells; telephone, audio, video, computer, intercom, and alarm security wiring and systems; low voltage relay systems; smoke detectors; power surges; remote controls; vents; light sockets
  • Garage door opener: Garage doors; hinges; springs; remote transmitters; keypads; light sockets; door cables; battery back-up; balancing the door; rollers
  • Central vacuum: Attachments; removable components; accessories; hoses; vents; stoppages.
  • Rekey service: Sliding doors, garage door openers, replacement of deadbolts, knobs or associated hardware, broken or damaged locks; padlocks; gate, window, file cabinet, safe, desk or mailbox locks; or any other services provided by a locksmith
  • Appliances: Detachable components; baskets; trash compactor buckets; dials; knobs; handles; door glass; lights; light sockets; light switches; pans; trays; rollers; racks; shelves; runner guards; interior lining; trim kits; vents; filters; flues; drawers; lock and key assemblies; halogen unit: magnetic induction unit; refrigerator/oven combination unit; microwave/ cooktop drawer or range drawer combination unit; portable or freestanding microwave; sensi-heat burners; timers and clocks that do not affect the functioning of the appliance
  • HVAC tune-up: Filters; clearing of condensate line stoppages; evaporator/indoor coil cleaning, including acid cleaning; cleaning or unclogging services required to correct problems related to the lack of manufacturer-recommended maintenance (filters must be replaced monthly)
  • Swimming pool/spa equipment: Remote control panel and switches; air switches; water chemistry control equipment and materials (e.g. chlorinators, ionizers, ozonators, etc.); disposable filtration mediums (sand, diatomaceous earth, filter cartridges, etc.); skimmer; heat pump; valve actuator motor; salt; cleaning equipment including pop-up heads, turbo valves, pool sweeps; swim jet/resistance pool and respective equipment; damage or failure as a result of chemical imbalance; underground water, gas, and electrical lines; lights, jets; ornamental fountain motors and pumps; power center; electronic or computerized control boards that are part of a remote or automated management system (e.g. Aqualink, Compool, or the like) and any respective equipment; liners; overflow/negative edge/infinity pool motor and effects pump; inflatable pool/spa equipment
  • Limited roof leak repair: Gutters; drain lines; flashing; skylights; patio covers; scuppers; glass; sheet metal; roof-mounted installations; leaks that occur in a deck or balcony when deck or balcony serves as the roof of the structure below; leaks that result from or that are caused by roof-mounted installations; improper construction or repairs; missing or broken roof shingles or tiles; damage caused by persons walking or standing on the roof; failure to perform normal maintenance to roof and gutters; improper installation; leaks manifested prior to the effective date of the plan
  • Additional refrigeration units: Built-in ice maker; ice crusher; beverage dispenser and their respective equipment; filter; interior thermal shell; food spoilage; insulation; multi-media centers; wine vaults; cost of recapture or disposal of refrigerant; refrigerator/oven combination units; components which do not affect the primary function of the unit, such as coffee makers, hot water dispensers, etc.; dual compressor units; kegerator; walk-in refrigerator
  • Well pump: Control boxes; pressure switches; capacitors or relays; cost of locating pump; pumps that service more than one residence
  • Enhanced slab leak/external pipe coverage: Faucets; sprinkler/irrigation systems; swimming pool/built-in pool piping; downspout; landscape drain lines; damage due to roots
  • Septic tank pumping/septic system ejector pump: Seepage pits; stoppage or damage due to roots; the cost of locating tank; chemical treatments; tile fields and leach beds; leach lines; lateral lines; insufficient capacity; level sensors/switches; control panels; associated electrical lines
Our Expert Janet Says

Old Republic will try to expedite emergency claims (no electricity, no water, no toilet facilities to the entire home, conditions that endanger health and safety, a system malfunction that will cause ongoing damage to the home) responses to 24 hours.

Payout Caps/Limitations

Old Republic does not have an excessive amount of payout caps and the dollar amounts of the caps are not unduly high, but they are worth noting. Here are the limits to coverage for Old Republic Home Warranty plans (may vary by plan):

  • Optional heating, ductwork, A/C: $1,500
  • Plumbing leaks in the water, drain or gas lines located under, encased in, or covered by concrete/plumbing pipe leaks in polybutylene piping: $500
  • Appliances: $3,500 per appliance
  • Diesel, oil, Glycol, hot water, steam, radiant, geothermal, high velocity, water-cooled and water-sourced systems, and water heater/heating combination units: $1,500
  • Ductwork, air transfer systems: $500

Repair Time

Under normal circumstances, the company will initiate service on your claim within 48 hours. The contractor will contact you directly to schedule a mutually convenient appointment to make needed repairs. Old Republic will try to expedite emergency claims (no electricity, no water, no toilet facilities to the entire home, conditions that endanger health and safety, a system malfunction that will cause ongoing damage to the home) responses to 24 hours.

Our Expert Janet Says

Old Republic does not have an excessive amount of payout caps and the dollar amounts of the caps are not unduly high.

Customer Service/Claims

To request service, call 800-972-5985 or log in/create your account. Requests for service can be made 24/7/365.To get a quote on a home warranty plan, call 800-445-6999 or request a quote online. Upon reporting your claim, Old Republic will select a service provider. No reimbursement will be provided without prior approval for services performed outside of the contractor network.

BBB Rating

Old Republic Home Protection has an “A+” rating with the BBB and has been accredited since 1996. (It should be noted that the BBB rating is not based on customer reviews but on how responsive the company is to customer complaints.) 

Price of Homeowners Plans

Like most home warranty companies, prices vary from state to state. We checked the cost for Old Republic homeowners home warranty plans (prices are for single-family homes under 5,000 square feet) in several states. Some plan prices depend on options and trade service call fee chosen ($75 or $100). The trade call fee is the amount you pay per service call. The higher your service call fee is, the lower the cost of the plan and visa-versa. Real estate plan pricing is available by calling 800-445-6999.

Plan Alabama California Kansas Florida Maryland
Essential $430 (only available with $100 *TCF) N/A N/A N/A N/A
Standard with $75 TCF $575 $305 $525 $510 $585
Standard with $100 TCF $525 (Only available with $75 TCF) $485 $470 $500
Ultimate with $75 TCF $650 $435 With washer/dryer/AC-$525 $625 $565 $615
Ultimate with $100 TCF $600   $585 $525 $575
Platinum (Only available with $100 TCF) w/$75 TCF-$550 With washer/dryer/refrigerator-$630 (Only available with $100 TCF) (Only available with $100 TCF) (Only available with $100 TCF)
Platinum with $725   $675 $695 $640

*TCF = Trade Call Fee

Optional Alabama California Kansas Florida Maryland
Pre-Season HVAC Tune-Up $25 $25 $25 $25 $25
Swimming Pool/Spa Equipment including Salt Water Circuit Board and Cell $200 $170 $180 $200 $180
Ornamental Fountain Motor/Pump $100 $100 $100 $100 $100
Limited Roof Leak Repair $100 $100 $100 $100 $100
Outdoor Kitchen $125 $125 $125 $125 $125
Enhanced Slab Leak Limit/External Plumbing $100 $100 $100 $100 $100
Additional Refrigeration Units $100 $50 $50 $50 $50
Water Softener/Reverse Osmosis Water Filtration System $75 $75 $75 $75 $75
Well Pump $100 $100 $100 $100 $100
Booster Pump $75 $75 $75 $75 $75
Septic Tank Pumping/Septic Systems including Sewage Ejector Pump $75 $90 $75 $75 $75

Adjust your trade service fee to the higher amount to save on monthly contract costs.

The Competition: Old Republic Home Warranty vs. Landmark Warranty

Both Old Republic Home Warranty and Landmark Home Warranty are regional companies with limited states offered. Both offer multiple plans for homeowners and real estate professionals. Landmark’s plan pricing varies from $500 to $700 and Old Republic’s pricing starts out cheaper with plans varying from $410 in most states (lowest plan in CA is $305) to $775. Landmark has an “A” rating with the BBB but Old Republic has an “A+” which is the very best rating and has maintained it for over 20 years. With a broader coverage area, plans starting with lower pricing, and the better BBB rating; we are declaring Old Republic the winner in a home warranty competition comparison against Landmark Home Warranty.

Final Verdict

Old Republic Home Warranty has been in business since 1974 and has an excellent customer service record. Plans are reasonably priced starting at $410 ($305 in CA) per year (pricing varies by plan type of geographical location). With four plans for homeowners and five plans for real estate professionals plus optional coverage, plans are designed to fit a variety of home budgets. The company offers some great optional coverage features including emergency lodging and home deductible reimbursement. Since there are several exclusions, we recommend you go over those carefully before making a purchase. Also, be sure to purchase any options you want as you won’t be able to add them on at renewal.

Old Republic’s home warranty plans are a solid option to consider if you live within the 27 states where coverage is offered (AL, AZ, CA, CO, DC, FL, GA, HI, ID, KS, KY, LA, MD, MS, MO, NV, NM, NC, OH, OK, OR, SC, TN, TX, UT, VA, WA, WY). 

Methodology

There are several aspects to think about in choosing a home warranty. To help readers pick the plan that works best for them, our methodology for reviewing home warranties includes a quantified scoring system that evaluates plan pricing, exclusions, payout caps, repair times, and terms, comparing them to other carriers across the industry. Third-party ratings and customer satisfaction scores are factored in to help assess an insurer's overall quality and value.