Old Republic Home Protection Review
A+ BBB · $6,500 HVAC cap per unit · NYSE: ORI parent since 1923 · Zero enforcement actions. The best home warranty most people have never heard of - if they operate in your state.
Overall Score
8.5
out of 10
BBB Rating
A+
Accredited
HVAC Cap
$6.5K
per unit, separate
States
~25
Western/SW only
Check availability at orhp.com before reading further
Old Republic Home Protection operates in approximately 25 states - primarily Western and Southwestern US (California, Arizona, Nevada, Oregon, Colorado, and nearby states). If you're in Ohio, New York, Texas, Florida, or most of the Midwest, they're not available in your state. Verify first.
Our Verdict
Old Republic Home Protection doesn't run national TV ads. You won't find a poster for them in your real estate agent's office. But they've been doing this since 1974, and their parent company - Old Republic International, NYSE: ORI - has been around since 1923.
A+ BBB with accreditation. $6,500 HVAC cap per unit on Elite - heating and cooling separately, not combined. $7,000 per-item appliance cap. Preseason HVAC tune-up included. Zero enforcement actions in 50+ years. When Old Republic says they'll pay your claim, there's a $12 billion institutional balance sheet behind that statement.
The only problem is the coverage footprint: roughly 25 states, mostly Western and Southwestern US. If you're in California, Arizona, Nevada, Oregon, or Colorado, Old Republic is probably your first call. If you're anywhere else, it's not an option.
Score Breakdown
Pros & Cons
+ What Works
- + A+ BBB with accreditation - best in the industry
- + Old Republic International parent, NYSE: ORI, $12B+ insurance holding company founded 1923
- + $6,500 HVAC cap per unit, heating and cooling SEPARATELY - second highest in industry
- + Founded 1974 - over 50 years of claims history
- + Elite plan: $7,000 appliance cap per item - highest in the industry
- + Preseason HVAC tune-up included with Elite
- + Zero enforcement actions - 50+ year clean regulatory record
- + Strong Western US contractor network
− What Doesn't
- − Only ~25 states - most limited coverage footprint of any major company reviewed
- − Not available in most Northeastern, Midwestern, or Southern states
- − Less robust add-on catalog than Liberty Home Guard
- − Lower brand awareness - harder to find extensive independent review data
- − Mid-to-upper monthly pricing range
Plans & Pricing
Three tiers. The Elite plan is the reason to buy Old Republic - the $6,500 HVAC cap and $7,000 appliance cap are what set it apart from every other company in the market except AFC.
Basic
~$45-$55/moCovers most home systems and core appliances. Good entry point - verify exact HVAC cap at this tier directly.
Deluxe
~$55-$68/moAdds washer, dryer, and air conditioning coverage. HVAC caps increase at this tier.
Elite
~$65-$80/moThe flagship. $6,500 HVAC per unit (heating and cooling separately). $7,000 appliance cap per item. Preseason HVAC tune-up included.
HVAC: $6,500/unit
Appliances: $7,000/item
HVAC Cap: Industry Comparison
On a $10,500 premium heat pump replacement, the cap difference between Old Republic and Liberty is $4,500 out of pocket. On the same claim, the monthly premium difference is minimal.
| Company | HVAC Cap | Structure |
|---|---|---|
| AFC Home Club | No cap | Per unit, separate |
| Old Republic Elite | $6,500/unit | Per unit, separate |
| American Home Shield (Platinum) | $5,000/unit | Per unit, separate |
| HWA Home Warranty | $5,000/unit | Per unit, separate |
| Liberty Home Guard | $2,000/unit | Per unit, separate |
| Choice Home Warranty | $3,000 combined | Combined cap |
| Cinch Home Services | $1,500 combined | Combined cap |
- Replacement quote
- $10,500
- Old Republic pays
- $6,500
- Your cost
- $4,100
- Replacement quote
- $10,500
- Liberty pays
- $2,000
- Your cost
- $8,600
Old Republic saves $4,500 on this single claim. The monthly premium difference between the two companies is approximately $2-3/month - you'd need to pay that difference for over 15 years to break even with the lower cap.
Old Republic International: Why the Parent Matters
Old Republic International Corporation (NYSE: ORI) has been operating since 1923. $12B+ insurance holding company. Survived the Depression, WWII, multiple recessions, 2008 financial crisis, a global pandemic.
When you buy a home warranty, you're buying a promise that the company will pay your claim when something breaks. The company's financial durability is the counterparty risk - the risk that they go bankrupt and can't honor that promise.
PE-backed home warranty companies (Choice, Liberty, Cinch) have a different risk profile than a 100-year-old NYSE-listed insurance holding company. That's not a knock on PE - it's a factual observation about the financial structure behind the warranty obligation.
Old Republic's counterparty risk is as close to zero as you can get in this market. That institutional durability isn't marketing language - it's a real financial signal that matters over the life of your policy.
Legal & Regulatory Record
Clean - zero enforcement actions in 50+ years
No AG settlements, no FTC actions, no bond compliance issues, no rebranding to distance from regulatory trouble. Old Republic is one of the only companies in this market with a completely clean 50-year record.
Industry context
- • Choice Home Warranty: $11.8M AZ AG settlement, January 2026
- • FTC active on home warranty industry practices generally
- • Old Republic: no enforcement actions found in research
Who It's Best For
Good Match
- ✓California, Arizona, Nevada, Oregon, Colorado homeowners. If you're in Old Republic's footprint and HVAC or appliance coverage quality is the priority, they're likely the top pick. A+ BBB, $12B institutional parent, $6,500 HVAC cap.
- ✓Risk-averse homeowners who want to know the company will exist in 10 years. Old Republic International has survived everything since 1923. The counterparty risk is as close to zero as exists in this market.
- ✓Homeowners with high-value, high-end systems. $7,000 per-item appliance coverage and $6,500 HVAC caps align with premium equipment that other companies would significantly under-cover.
May Not Be Ideal
- ✗Homeowners outside their ~25-state footprint. Full stop. Check availability before spending any more time on this review.
- ✗Price-sensitive buyers - Old Republic isn't the cheapest option. The institutional quality and coverage depth come at a premium.
- ✗Buyers who want 40+ add-on options - Liberty Home Guard has a much wider add-on catalog.
Contract Terms
| Waiting Period | 30 days standard |
| Service Fee | $100 or $125 per trade |
| HVAC Cap (Elite) | $6,500 per unit - heating and cooling separately, not combined |
| Appliance Cap (Elite) | $7,000 per item |
| HVAC Tune-up | Preseason HVAC tune-up included with Elite plan |
| Cancellation | Pro-rated refund after 30 days minus claims paid |
| Auto-Renewal | Yes, annually |
| Arbitration | Yes - standard for the industry |
Frequently Asked Questions
What is Old Republic's HVAC coverage limit?
Is Old Republic Home Protection available in my state?
Who owns Old Republic Home Protection?
What is Old Republic's BBB rating?
Does the Elite plan include a free HVAC tune-up?
What is the appliance coverage limit?
Has Old Republic ever had a legal enforcement action?
How long has Old Republic Home Protection been in business?
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View All ReviewsLast verified June 2026. Availability, pricing, and coverage caps change. Always verify current details and state availability directly at orhp.com before purchasing.