Old Republic Home Warranty Review

Rating: 8.1 / 10 (Excellent)
75 Customer Comments & Reviews - see all comments
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Old Republic Home Protection, formerly called Dependable Home Warranty, was founded in 1974 and became a subsidiary of Old Republic International in 1982. The California-based company has since undergone management changes that have contributed to its growth and expansion beyond California. It is currently considered the third largest home warranty company in the United States.

How is Old Republic rated?


Contract & Price
Claims & Service

Overall Rating: 8.1 / 10 (Excellent)

For 40 years, Old Republic Home Protection has remained among the three largest home warranty companies in the industry, providing comprehensive coverages for homeowners, home buyers, and real estate agents alike. Although their plans offer full protection for most systems and appliances, they can be rather pricey depending on the area of coverage and size of the home. Overall, Old Republic is a reliable option for anyone looking for enhanced protection and round-the-clock claims processing.


Key Facts

Plan Types
Combo Plan
Build Your Own
Benefit Limit Type
Per Item
Typical Appliance Benefit Limit
Typical Systems Benefit Limit

Coverage - 7 / 10

Old Republic Home Protection offers three home warranty plans, the Standard Platinum, and Ultimate. The Standard coverage protects all main systems and most appliances, and clients can build on that coverage to customize their plans. The company also offers optional coverage for certain less usual items such as salt water equipment and ornamental fountains. On the downside, Old Republic's typical appliance benefit limit is $250, and their systems limit is $1,000, which is less than what other home warranty providers are currently offering.

What does Old Republic cover?

Covered Systems

  • Air Conditioning
  • Heating
  • Electrical
  • Plumbing
  • Water Heaters
  • Instant Hot/Cold Water Dispensers
  • Central Vacuums
  • Ceiling Fans
  • Ductwork
  • Sump Pumps

Covered Appliances

  • Refrigerators
  • Dishwashers
  • Clothes Dryers
  • Clothes Washers
  • Ranges/Ovens/Cooktops
  • Built-in Microwave
  • Free-standing Ice Makers
  • Trash Compactors
  • Garage Door Openers
  • Garbage Disposal
  • Stand Alone Freezer
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For a full list of Old Republic exclusions, check out this page.

Specialty Items

  • Pool/Spa
  • Well Pump
  • Septic
  • Roof Leaks

Contract & Price

Contract Details

Annual Premium
Starting at $295
Minimum Contract Length
13 month(s)
Online Quote/Application

Contract & Price - 8 / 10

Old Republic plans are on the higher end in terms of price, with annual premiums ranging from $260-$500 depending on the state, size, and condition of the home. Contracts with this company may be cancelled upon mutual agreement, in which case the customer would be entitled to a pro-rata refund of the paid plan fee minus a $50 processing fee and service costs.

Sample Contract

Old Republic provides a sample contract for potential customers on its website: Old Republic Sample Contract

Cancellation Policy

This Plan is non-cancellable, except for 1) nonpayment of fees; 2) fraud or misrepresentation of facts material to the Plan or a request for service thereunder; 3) upon mutual agreement between you and ORHP; or 4) if you harm or threaten the safety or well-being of ORHP, any employee of ORHP, a Service Provider, or any property of ORHP or of the Service Provider. If Plan is cancelled, you shall be entitled to a pro-rata refund of the paid Plan fee for the unexpired term less service cost incurred and a $50 processing fee. If a refund calculation results in you owing us for services rendered, we will bill you the net amount due or the unpaid Plan Contract fee, whichever is less.

Claims & Service


Maintenance Records Required for Service?
24/7 Claims Department?
Waiting Period
30 days

Contractors & Service

Contractor Selection
In-Network Only
Service Recall Period
30 days

Claims & Service - 7 / 10

Old Republic charges a different trade call fee, ranging from $55 to $100, depending on the state, size, and condition of the home. They have the standard 30-day waiting period before coverage can begin, a 30-day recall period on labor, and mostly restrict customers to their network of contractors, unless they have been previously authorized by the company. Nevertheless, Old Republic does have a 24/7 claims department, which many customers find convenient and isn't offered by all home warranty companies.

Old Republic Reputation

Company Details

Year Founded
NHSCA Membership
Number of Employees
BBB Rating
BBB Rating
BBB Neutral Reviews
BBB Negative Reviews

Reputation - 10 / 10

Old Republic Home Protection is NHSCA-certified and accredited by the Better Business Bureau. The company holds an A+ rating with the BBB and a composite score of 3.81 out of 5 stars based on 140 reviews. There have been a substantial number of complaints filed against the company, yet they have resolved each issue and seem committed to providing a good customer experience.

Contact & Additional Information

Homepage URL
Company Phone
(800) 445-6999
Mailing Address
P.O. Box 5017, San Ramon, CA, 94583
Year Founded

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75 Customer Comments & Reviews

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Marshelle B
El Segundo, California
SCUM BAG COMPANY - DO NOT USE! THEY ARE A HORRIBLE, UNETHICAL COMPANY WITH TERRIBLE CUSTOMER SERVICE. They have flat out refused to pay my claim for my pool equipment that went out, even though I paid extra to have it covered. Now, my furnace is out and costs over $4000 to replace. They are only offering to cover $712 of it. They give the Heating Company $365 of that for labor and the rest is spent on the crappiest, cheapest unit they can find. They instruct the call takers to treat the customer as poorly as they can. They will be all sweet when you need a call sent, but when it comes to getting your money for a bid, they make is very well known that they don't give a crap about any of... Read More

Greenville, South Carolina
Heating failed during very cold weather. Their service rep said the unit was not repairable. The unit is old, no longer made and parts not available. Six days later, Old Republic’s purchasing department is still “researching “ the availability of parts. I have asked to speak to the supervisor but the person is never available. I can only assume they do not have a supervisor. Still NO HEAT. Not a very reputable company in my opinion.

Clarksville, Tennessee
I have had nothing but the answer, No, we don't cover that" from Old Republic. We have 2 units and neither has been covered. The first breakdown cost us a service call for them and then a service call from the company that fixed our problem, and then and additional $200 to fix our problem. The 2nd unit broke when the temperature as in the single digits over a holiday and it took 3 days for anybody to respond. This too is not covered and now I have to pay out of pocket again. Their service calls cost $25 more than a service call without the warranty. Don't trust that the warranty will cover much, the disclaimers cover them, not the consumers!!!

Boris K
Ashburn, Virginia
On November 26, 2017, I have placed a service call for a problem with a refrigerator. A technician called the next day and came the day after, on November 28. He stated that the refrigerator was low on Freon but that he needed to do it the next day. He added Freon two days later and said that the compressor needed to be replaced. When he received a new compressor he called me and said the c replacement was damaged and that the ORHP would order anew one. ORHP called me and said that a new compressor would arrive in 7 to 10 business days. I said that it was not acceptable and I was told that it would be delivered in two business days. After it was delivered, the technician replaced it and... Read More

Bill P
Mandeville, Louisiana
Took 2 weeks to get heating a/c fixed. Cpamy wanted to put in sub standard unit, and waited a week after the diagnosis for the company to determine if they were going to fix or replace. No heat for 2 weeks. NOT ACCEPTABLE!!!

Liberty, Missouri
We just bought our hoe and received a warranty through Old Republic. The upstairs toilet began leaking through the kitchen ceiling. I called tonight to see about getting it fixed only to be informed they won’t cover it. They determined via the phone it was something that began prior to moving in even though it wasn’t noted by the home inspector nor us on final walk through. My advice is don’t waste your money. If I could give a 0 rating I would.

Judy B
Vancouver, Washington
I bought my policy when buying my home 5 years ago. Annually I received a bill that was paid promptly. This year I placed my first claim, my water heater broke and needed to be replaced. This year I received not my annual bill but a brief email stated they would no longer like my business. When I called to ask why, no explanation was offered. Now, with only 2 weeks left before my coverage expires, I find myself scrambling to find a new plan, all of which have a practice of no coverage for 30 days. I feel like I got in my first auto accident in 5 years, that wasn't my fault, and having my auto insurance cancelled. Very poor customer service!

Leawood, Kansas
Complete ripoff. Couldn’t be more dissatisfied. Waste of money. Horrible company. All loopholes in THEIR favor. Minus 5 stars!

Kristi O
I have been using ORHP for about 10 years, but recently they have been sending technicians who try to gauge the home owner for extra money the warranty won't cover. The technician they send over are a little sketchy and try getting more money out of you then what is really needed. I have sent my own technician for a 2nd opinion twice and both times they said only a couple things were needed, saving me hundreds of $$$. Do your research on home warranty companies, I for one will not renew my contract when its up next year.

Columbia, South Carolina
Old Republic started out fine for me, about 4 years ago. But the service has drastically gone down hill. Their contractors have 48 hours to respond to you, and then have any undetermined amount of time to actually come look at the issue. I submitted a request for servicing my kitchen sink which had a major leak underneath, leaving it and the dishwasher unusable. Took the contractor 2 days to call me, then just to tell me it would be another 4 days before they could address the issue! 6 days with no kitchen sink or dishwasher, with 4 kids is unacceptable. So I called Old Republic to tell them I needed something sooner than that. They literally said they couldn't do anything about it,... Read More

Top Rated
Our Partner
9.7 / 10
  • Far and away the trusted industry leader
  • They have paid out over $1.8 billion in claims in the past 5 years
  • Nationwide network of more than 13,000 contractors
  • More than 1.6 million customers
  • Best reputation in home warranty industry