Old Republic Home Warranty Review

Rating: 8.1 / 10 (Excellent)
82 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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82 Customer Comments & Reviews

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Clover, South Carolina
My heating system had been running constantly for several days, I submitted a new request online last night. This morning, received a call and informed that a technician would be calling to arrive this afternoon. He did, fixed the problem! 4 Stars so they don't get overly confident!

Santa Fe Springs, California
I had to have a water heater replaced, they sent out a company that said the water heater was coved but I needed $600 more for different lines and a vent to be replaced I looked up the company on Yelp and they had 1 star with so many complaints it was overwhelming complaints of up charging and shoddy work, I called Old Republic and asked for a different company to do the install and they said no I had to use them or take a check for just the water heater and no installation reimbursement. I asked for the manager and they said take it or leave it. I took the cash and paid a reliable installer and still saved money with him charging for the instillation. You should not have to use a... Read More

I have a second home in Houston TX covered by an Old Republic Home Warranty. I experienced a plumbing back up. Old Republic sent two plumbers to resolve the problem. One identified the outside clean out but did not have an auger long enough to reach the blockage. This was a simple issue that should have been easily resolved by Old Republic under my warranty but I was force to use another plumber to fix the issues as I live in Nevada. Old Republic did not honor the terms of their warranty. They are balking at refunding my money although they did not honor the warranty. I have no confidence in Old Republic and would suggest anyone looking for a home warranty not use Old Republic.

Houston, Texas
I am not sure why everyone is giving Old Republic Home Warranty such bad reviews. I have been using them for 8 years now and could not be more pleased with the service they provide. The contractors have been great as well.

Los Angeles, California
DO NOT USE ONE REPUBLIC HOME WARRANTY!!! They are a complete scam!! We recently purchased a home in Los Angeles and purchased the top plan with One Republic which was to cover everything and replacement if needed. A few months into owning the home our cooktop stopped working. We filed a claim and they sent out a repair technician. We waited all day for the repair guy to show up and he finally came at the end of his 6 or 8 hour window. He was unable to repair the cooktop and said he needed to look for a part otherwise it would be replaced. We paid him $65 (FOR NOTHING) and he said he would be in touch in the next couple of days. A week went by with no call and we began calling One... Read More

Nicholasville, Kentucky
We have lived here 1 year. In that time we had a Partial reimbursement for a HVAC motor that burned out but when our stove quit, our disposal and later our dishwasher leaked all over and then a garage door spring broke (over the period of a year) There was always some detail why the claim could not/would not be paid. Each of these was an unplanned emergency but ORHW wanted $60+ each time to "send someone out" to determine if ORHW would cover it. In each case it was a week or two before "someone" could come out. With water all over and/or our car stuck in the garage I would have expected better service. Basically, you have to call them BEFORE any emergency. None of these claims were... Read More

Terry S
El Dorado Hills, California
I am giving them a ZERO rating. Worst home warranty company out there. For over 3 months we have tried to get them to send a contractor to diagnose and fix our HVAC unit. After three months all they did was replace our thermostat with a cheap one. And guess what, the unit does not work!!!!!! STAY AWAY FROM THIS COMPANY.

Joy J
Danielson, Connecticut
Old Republic covers a house we purchased within the last year. On Labor Day our pressure assist pump died leaving us with barely enough pressure to minimally function. We got ahold of a plumber who actually did come and replace the pump. Old Republic seems to think we were supposed to get "prior authorization" when you have no water pressure on a holiday. It seems far more "scam" than insurance to me. I know the people we purchased our home from paid something like $350 for this "policy" which, when you get into the details, is pretty much worthless.

Ryan F
Tulsa, Oklahoma
We purchased a home warranty from Old Republic Home Protection in 2013. When we got estimates for the policy we asked them about whether a building on our property would be covered since it was not in the details of the coverage in 2013. Their representative stated that since the total sq. footage of the house and building was under 5000 sq ft, the extra building would be covered. Last week our A/C went out in that building and needed major repair. ORHP declined to cover the repair claiming that the building was not covered since we did not have a policy for it. We have explained to them repeatedly that they consented to coverage of that building when we signed up in 2013 but unfortunately... Read More

NyKeisha J
St Louis, Missouri
They will find a reason to deny service such as its preexisting condition.

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9.7 / 10
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