Old Republic Home Warranty Review: Prices and Ratings (2025)

An Old Republic home warranty covers your home’s appliances and systems when they break down due to normal wear and tear. The company has three plans to choose from: Basic, Deluxe, and Elite. While the Basic plan covers core systems and most household appliances, the Deluxe plan adds coverage for your washer, dryer, and air conditioning. The Elite plan doubles appliance coverage from $3,500 to $7,000 per item and includes air conditioner/cooler coverage and also a preseason tune-up of your HVAC systems.

Old Republic has a strong reputation, earning 4.1 stars on Trustpilot and an A+ rating from the Better Business Bureau (BBB). Find out more about Old Republic’s home warranty program and how it works.

Old Republic home warranty at a glance

Operating in 25 states and Washington, D.C., Old Republic stands out as a home warranty option for many homeowners. It offers three home warranty plans, receives high reviews and a strong BBB rating, and has a reputation for reliable service.

In addition to covering major home systems, Old Republic offers some of the highest appliance coverage limits in the industry. Depending on your plan, appliances are covered for up to $3,500 or $7,000. The company has quick response times, a 30-day workmanship guarantee, and reasonable prices, ranging from $50 to $85 per month.

Old Republic home warranty plans and coverage

Old Republic home warranty offers three plans: Basic, Deluxe, and Elite.

• Basic: The Basic plan protects your home’s major systems and kitchen appliances. Depending on your chosen service fee, it costs $50 or $55 per month. 

• Deluxe: As the midtier offering, the Deluxe plan covers everything in the Basic plan as well as air conditioning, washers and dryers, code violation corrections, permits, and haul away. It costs $65 or $70 per month, depending on the service fee you choose.

• Elite: Elite is Old Republic’s most comprehensive plan. It covers everything in the Deluxe plan plus ice/water dispensers, heating, ventilation, and air conditioning (HVAC) tune-ups, and unlimited HVAC refrigerant. It also doubles appliance coverage limits from $3,500 to $7,000 per appliance and costs $80 or $85 per month, depending on the service fee you select.

Take a look at how coverage differs between plans in the table below:

Covered Item	Basic	Deluxe	Elite
Dishwasher	✔	✔	✔
Kitchen exhaust fan	✔	✔	✔
Oven/range/cooktop/built-in microwave	✔	✔	✔
Trash compactor	✔	✔	✔
Kitchen refrigerator	✔	✔	✔
Washer/dryer (one set)	𝗫	✔	✔
Electrical system	✔	✔	✔
Attic, bath exhaust, ceiling, whole-house fans	✔	✔	✔
Heating system and ductwork	✔	✔	✔
Air conditioner/cooler	𝗫	✔	✔
Plumbing valves: angle stops, gate valves, shower and bathtub valves	✔	✔	✔
Instant hot/cold water dispenser	✔	✔	✔
Drain line stoppage	✔	✔	✔
Garbage disposal	✔	✔	✔
Toilets	✔	✔	✔
Water heater	✔	✔	✔
Plumbing pipe leaks (including polybutylene)	✔	✔	✔
Water pressure regulator	✔	✔	✔
Faucets, showerheads, shower arms	𝗫	✔	✔
Central vacuum	✔	✔	✔
Garage door opener	✔	✔	✔
Garage door hinges, springs, remote control transmitters, keypads	𝗫	✔	✔
Rekey service	✔	✔	✔
A/C refrigerant recharging (for heat pumps or with A/C coverage)	$20 per pound	$20 per pound	No limit
Appliances (per appliance)	$3,500	$3,500	$7,000
Correction of code violations, haul away, improper installation/repair/modification, permits	𝗫	$500	$1,000
Permits/haul away	𝗫	✔	✔
Preseason HVAC Tune-up	𝗫	𝗫	✔
Ice/water dispensers	𝗫	𝗫	✔

What does Old Republic home warranty not cover?

An Old Republic home warranty won’t cover everything in your home. For example, it won’t pay to repair or replace systems or appliances if they quit working because of missing or mismatched components or incorrect sizing. It also doesn’t cover cosmetic damage, failures caused by a power surge, or improper installation or repair.

Additionally, it won’t pay for routine maintenance or cleaning, design flaws, or damage caused by people, pets, or pests.

Coverage and payout limitations of Old Republic home warranty

Coverage and payout limits vary based on which Old Republic home warranty you choose. This means that even for covered damage, you may still need to pay a portion of the bill.

The following coverage and payout limitations apply:

• Basic and Deluxe plans will pay $20 per pound of refrigerant

  • Elite plan has no refrigerant limits

• Basic and Deluxe plans have a $3,500 per-appliance coverage limit

  • Elite plan has a $7,000 per-appliance coverage limit

• Basic plan doesn’t cover code violation corrections, haul away, improper installation, or permits

  • Deluxe plan has a $500 limit for this coverage

  • Elite plan has a $1,000 limit for this coverage

How customers feel about Old Republic home warranty

In general, customers seem to feel favorably about home warranties from Old Republic. Many customers have left positive reviews on Trustpilot, where it has a rating of 4.1 stars out of 5. It also has an A+ rating from the BBB.

Although recent reviews on Reddit are sparse, some users say Old Republic is great, while others express frustration at a poor customer experience.

Where Old Republic stands out

Old Republic customers who are happy with the company cite good customer service, straightforward claims, and quick responses. Others on Trustpilot mention same-day service, professionalism, and Old Republic saving them thousands.

Overall, users highlight a positive customer experience and a prompt repair timeline.

• Good customer service

• Easy claims process

• Significant savings

Where Old Republic falls short

Not all customer sentiment about Old Republic is positive. Some customers complain on Trustpilot about long hold times on the phone, while others mention poor contractor quality. Other users say their claim took longer than 48 hours to process and that the contractor assigned to their job made mistakes.

• Issues with contractors

• Delayed claims process

• Long phone wait times

How an Old Republic home warranty compares to other companies

While Old Republic has a strong reputation as a home warranty company overall, it’s not the only option. See how it stacks up against two of the industry’s top companies: American Home Shield and Liberty Home Guard.

Old Republic vs. American Home Shield

Old Republic and American Home Shield are two of the best home warranty companies available to homeowners. They’re similar in a few key areas, each having similar response times, workmanship guarantees, and service fees.

Old Republic has a better BBB rating and higher appliance coverage limits than American Home Shield, but American Home Shield’s plans are slightly cheaper than Old Republic’s. Regarding customer sentiment, the two companies are close: Old Republic has a 4.1-star rating on Trustpilot, compared to American Home Shield’s 4.2 stars.

Factor	Old Republic	American Home Shield
Monthly cost	$50–$85	$30–$80
BBB rating	A+	B
Service fee	$100 or $125	$100 or $125
Response time	Within 48 hours	Within 48 hours
Workmanship guarantee	Yes, 30 days	Yes, 30 days
Appliance coverage limit	$3,500–$7,000	$2,000–$4,000

Old Republic vs. Liberty Home Guard

Old Republic and Liberty Home Guard both offer a 48-hour response time and a $50 per-month base plan cost, but that’s where the similarities end.

Old Republic has much higher appliance coverage limits and a better BBB rating, whereas Liberty Home Guard has a wider service-fee range and a longer workmanship guarantee. Its highest monthly cost also tops out at $60, as opposed to Old Republic’s $85.

Regarding customer satisfaction, Liberty Home Guard’s Trustpilot rating of 4.6 stars tops Old Republic’s 4.1 stars.

Factor	Old Republic	Liberty Home Guard
Monthly cost	$50–$85	$50–$60
BBB rating	A+	D, not accredited
Service fee	$100 or $125	$50–$125+
Response time	Within 48 hours	Within 48 hours
Workmanship guarantee	Yes, 30 days	Yes, 60 days
Appliance coverage limit	$3,500–$7,000	$2,000

How to file a home warranty claim with Old Republic

You have a couple of options for filing a home warranty claim with Old Republic. Here’s what to do to start a claim:

• 

  1. Check your policy

  Before making a call, review your policy to make sure the damage or issue is covered.

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  2. Document the issue

  Take photos and videos of the problem you’re having to support your claim.

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  3. File a claim

  You can call Old Republic at 1 (800) 972-5985 or sign into your Old Republic Homeowner Central account to file a service request online 24/7. The company will typically assign a contractor to your claim within 48 hours.

• 

  4. Pay the service fee

  You’ll pay your service fee (Old Republic calls it a trade call fee) when you request service.

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  5. Schedule the fix

  Finally, you’ll schedule a time for the assigned contractor to fix the issue.

Old Republic home warranty FAQs