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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Andrew M
Folsom, California
The negative reviews are totally correct. This company is full of unprofessional lying thieves. They deny your claims for unfounded reasons, cannot prove anything they tell you, and call you illiterate when you dispute their unfounded reasons for denying your claim. They also charge you that wonderful $60.00 non-refundable call fee for this horrific service. Do not purchase a plan from these people. Save your money and hire good qualified experts and professionals. You will be very happy to take this terrible company out of the mix. If you need more confirmation, look them up on Consumer Affairs, Better Business Bureau, and Yelp. Those websites are full of similar stories of other... Read More

Shamim A
Scottsdale, Arizona
This company is made up of a bunch of CROOKS, their intent is to take the money and provide no services. They have a half a dozen class action lawsuits against them. With 1,051 BBB complaints. Here's my story: We purchased a home warranty from ORHP when we purchased our home in Oct. 2015. On Sunday July 10th our toilets started to back up and would not flush, our shower drains were backing up as well. We called ORHP for service, they sent a referral for a plumbing company, we called the company and they said they could not help us on Sunday and that we had to wait until Monday. We told them that it was not acceptable, we called ORHP back the customer service person told us if we... Read More

RebeRebecca D
Auburn, California
The worst! Beware and take your business elsewhere! Each time I called in service I was given the run around. Each time I was given a replacement (dishwasher and faucet) I was given a bottom of the line replacement when I had mid grade appliances. I am so discouraged by the lack of integrity of this company. Terrible doesn't seem to cover it.

Aiken, South Carolina
4 calls in 2 years and 3 times I had to call them back verify their NON dispatching then find a service provider and work all the details before being able to see them. No sense of urgency from them or the service providers. Lost one AC each year and had to wait three days before seeing anyone while outside temp around 100F. Had HSA before when leaving up North and nothing as such ever happened

Matt T
Covington, Louisiana
We got a home warranty at the suggestion of our Real estate agent who is equally as appalled as we are. They told us this covers all appliances in your house in case anything breaks. We are set for renewal in June. Earlier this year the handle to our Microwave broke off and the opening mechanism not repairable by me. We have to use a screw driver to pry the door open. The loop hole in the contract is that every part of the microwave is covered EXcept the handle. I should have know then that is insurance company is as sleazy as the rest of them. So early May our garbage disposal completely stops working and water is dripping from the electrical reset button. They guy on the phone... Read More

Heather P
Birmingham, Alabama
I do not even know where to begin with how disappointed we have been with ORHW; we will not be recommending them to anyone and will be advising the realtor who closed our house to look into other options for home warranty providers. We moved in 09/2014 and immediately noticed a leak; we then had several service providers (8-10 of them) out to our home over the course of 18 months, who were all unable to locate a leak. We had an air conditioning provider tell us that we had a problem with our roof, so we spent $1000.00 on roof repair that in turn did not fix the leak. We ended up having to re-grout around the tub to fix the issue, which was not covered under our plan but should have been... Read More

John T
Saratoga, California
This company has very poor service quality. Their contractors are not screened properly and their system is broken. Recently i had a stoppage in a kitchen/garage[washer] due to common kitchen line clogged. They signed up contractor who was 3hrs away though there were contractors in the same zipcode. After waiting 3-days i get a visit by 'county plumbing' who made no effort to clean the stoppage but reported back to ORHP that the stoppage wast not cleanable. The same problem was fixed in 2012 by company in my area "street plumbing" so i asked ORHP to give me the number. I decided to call them to have it fixed , which obviously did. I paid from my pocket. Now ORHP doesn't want to refund me.... Read More

Rebecca D
San Francisco, California
This company is very difficult to work with. Each of the 4 times I have had to call them to make a service request I have had problems with the customer service, the repair company they sent out, or their billing department not having record of me making the trade call fee, which is $60 per issue. I do not recommend this company.

Ryan R
San Francisco, California
This is probably one of the worst companies to buy a Home Warranty from they almost never pay claims and the customer service is terrible if you can even get thru on the phone will never do business with them again

Glenn Y
Hackettstown, New Jersey
DON'T GET A HOME WARRANTY FROM OLD REPUBLIC. I have had home warranties with Home Republic on three (3) properties in Arizona for years. Last year I had to submit five (5) claims, of which only two required any real repair. The A/C unit had to be repaired twice. The second time was because the first repair person failed to make the required repair and just refilled the freon instead of fixing the problem. I called to renew my warranty and was advised they would no longer warranty the property. The sales person could not give a reason why they would not renew my policy. I was transferred to a supervisor at my request. The supervisor stated if you have to many claims they can refuse to renew... Read More

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9.7 / 10
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