{"id":348428,"date":"2025-11-11T14:10:09","date_gmt":"2025-11-11T19:10:09","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=348428"},"modified":"2025-11-11T14:10:09","modified_gmt":"2025-11-11T19:10:09","slug":"old-republic-review","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/home-warranty\/old-republic-review\/","title":{"rendered":"Old Republic Home Protection Home Warranty Review"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Reviews Report<\/h2>\n\n\n\n<ul class=\"is-style-blog-list\"><li>ORHP prices by ZIP and plan, and your selected Trade Call Fee (TCF) directly affects the annual premium; industry cost guides place typical totals around $300\u2013$800+ per year with per-visit fees most often $75\u2013$150 (<a href=\"https:\/\/www.forbes.com\/home-improvement\/home-warranty\/home-warranty-cost\/\">source<\/a>; <a href=\"https:\/\/www.orhp.com\/\">ORHP<\/a>).<\/li><li>Plan architecture centers on a core plan with optional Ultimate Protection and Platinum Protection upgrades that broaden coverage (e.g., code upgrades, permits, certain modifications); add-ons are state-specific (<a href=\"https:\/\/www.orhp.com\">ORHP coverage &#038; options<\/a>).<\/li><li>Competitors commonly let you tune cost via service-fee choices (examples: <a href=\"https:\/\/www.ahs.com\/home-warranty\/plans-and-pricing\/\">AHS: $100\/$125\/$150<\/a>, <a href=\"https:\/\/www.cinchhomeservices.com\">Cinch: $100\/$125\/$150<\/a>, <a href=\"https:\/\/afchomeclub.com\/terms-and-conditions\/\">AFC: $75\/$100\/$125<\/a>, <a href=\"https:\/\/www.2-10.com\/homeowners-warranty\/terms\/\">2-10: commonly around $100<\/a>), so compare your TCF choice at ORHP with peers when you quote.<\/li><\/ul>\n\n\n\n<p>Old Republic Home Protection offers state-specific home warranty options built around a core plan plus upgrade packages (Ultimate and Platinum) and add-ons that vary by state. Coverage, limits, and fees are determined in the current brochure\/contract for your property\u2019s ZIP code (<a href=\"https:\/\/www.orhp.com\/\">ORHP<\/a>; <a href=\"https:\/\/www.orhp.com\">plan coverage &#038; options<\/a>).&nbsp;<\/p>\n\n\n\n<p>Not sure how a home warranty differs from homeowners insurance? See our guide to <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/home-warranty-and-home-insurance\/\" class=\"achor-toggles\">home insurance warranties<\/a>. For pricing, avoid outdated \u201cnational list prices\u201d \u2014 ORHP quotes are ZIP- and TCF-specific, and promotions can change; expect typical industry premiums in the $300\u2013$800+ range with per-visit fees most often $75\u2013$150 (<a href=\"https:\/\/www.forbes.com\/home-improvement\/home-warranty\/home-warranty-cost\/\">cost guide<\/a>; <a href=\"https:\/\/www.orhp.com\/\">ORHP<\/a>).<\/p>\n\n\n\n<section id=\"block_6050f63c0eec8\" class=\"block b-stats-overview\">\n    <h2 class=\"b-stats-overview-title\">Old Republic Home Warranty Overview<\/h2>\n    <div class=\"b-stats-overview-grid\">\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                Reviews.com Score:\r\n\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\"> 2.75<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                Starting Price:\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">ZIP &#038; TCF-dependent (typ. ~$300\u2013$800+\/yr)<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                Starting Service Fee: \n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">Varies by state\/plan (TCF; often $75\u2013$150)<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                States Served: \n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">Multi-state (state-specific)<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\"tooltip b-stats-overview-grid-item-title\">\n                BBB Rating: \n                                    <span class=\"tooltip-content\">The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.<\/span>\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">See BBB profile<\/span>\n        <\/div>\n            <\/div>\n<\/section>\n\n\n\n<p>Customer sentiment varies widely by platform and over time. Before you buy, check the current averages on <a href=\"https:\/\/www.trustpilot.com\/review\/orhp.com\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">TrustPilot<\/a> and <a href=\"https:\/\/www.consumeraffairs.com\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">ConsumerAffairs<\/a>, and review the company\u2019s letter grade, complaint counts, and consumer star average on the <a href=\"https:\/\/www.bbb.org\/\">BBB<\/a>. As of 2025, it\u2019s common for public, complaint-forward sites to show lower averages than moderated platforms; focus on recent reviews, complaint themes, and BBB complaint-resolution data when comparing providers.<\/p>\n\n\n\n<section id=\"block_6050f6860eece\" class=\"block b-pro-cons\">\n            \n<div class=\"b-pro-cons__wrapper\">\n    <h4 class=\"b-pro-cons__title b-pro-cons__title--important\"> PROS<\/h4>\n    <ul class=\"b-pro-cons__list b-pro-cons__list--pros\">\n                                <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Flexible Trade Call Fee and plan upgrades<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">ORHP quotes annual premiums that vary with your selected Trade Call Fee (TCF), and offers upgrade packages (Ultimate, Platinum) to tailor coverage (<a href=\"https:\/\/www.orhp.com\/\">ORHP<\/a>; <a href=\"https:\/\/www.orhp.com\">coverage &#038; options<\/a>).<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">State-specific add-ons<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Add-ons (e.g., roof leak repair, pool\/spa, well\/septic, extra refrigeration) vary by state and can fill gaps important to your home (<a href=\"https:\/\/www.orhp.com\">ORHP<\/a>).<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Competitive cost bands<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Typical industrywide pricing falls near $300\u2013$800+ annually with $75\u2013$150 service fees, which is the range ORHP generally competes in (exact quotes vary) (<a href=\"https:\/\/www.forbes.com\/home-improvement\/home-warranty\/home-warranty-cost\/\">cost guide<\/a>). <\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Clear upgrade path for code\/permit gaps<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Ultimate\/Platinum upgrades are designed to address items like code violations, permits, and certain modifications that many base plans exclude (<a href=\"https:\/\/www.orhp.com\">ORHP<\/a>).<\/span>\n                            <\/li>\n                <\/ul>\n<\/div>\n    \n            \n<div class=\"b-pro-cons__wrapper\">\n    <h4 class=\"b-pro-cons__title b-pro-cons__title--important\"> CONS<\/h4>\n    <ul class=\"b-pro-cons__list b-pro-cons__list--cons\">\n                                <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Availability varies by state<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">ORHP does not operate nationwide; coverage, options, and limits are state-specific and can differ meaningfully (<a href=\"https:\/\/www.orhp.com\">ORHP<\/a>).<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Per-visit fee at time of service<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">A Trade Call Fee is due per dispatched trade service request; the amount you choose at purchase will affect your premium (<a href=\"https:\/\/www.orhp.com\/\">ORHP<\/a>).<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Upgrades may be required for broader protections<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Protections like certain code upgrades, permits, and system modifications are often available via paid Ultimate\/Platinum upgrades rather than included in the base plan (<a href=\"https:\/\/www.orhp.com\">ORHP<\/a>). <\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Dynamic pricing and promotions<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Premiums are ZIP- and promotion-specific across the industry and have trended upward with repair cost inflation; always get a current quote (<a href=\"https:\/\/www.forbes.com\/home-improvement\/home-warranty\/home-warranty-cost\/\">cost guide<\/a>).<\/span>\n                            <\/li>\n                <\/ul>\n<\/div>\n    <\/section>\n\n\n                \n<section id=\"block_6050f6fe0eed7\" class=\"block b-highlights-tabs\">\n    <h2 class=\"b-highlights-tabs__title\">Old Republic Home Warranty Highlights<\/h2>\n    \n    <div class=\"b-highlights-tabs__tabs-list\">\n        <div class=\"b-highlights-tabs__tabs-list-nav\">\n                            <div class='b-highlights-tabs__tabs-list-nav-item active' data-index=\"1\"> Coverage &#038; Plans <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"2\"> Guarantees <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"3\"> Before You Buy <\/div>\n                    <\/div>\n\n        <div class=\"swiper-container\">\n            <div class=\"swiper-wrapper\">\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Coverage &#038; Plans\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p><span style=\"font-weight: 400;\">Old Republic Home Protection <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/home-warranty\/do-i-need-a-home-warranty\/\"><span style=\"font-weight: 400;\">warranties<\/span><\/a><span style=\"font-weight: 400;\"> use a core plan with optional Ultimate and Platinum upgrades. Exact inclusions and dollar limits are state-specific; consult your current state brochure to see whether items like code upgrades, permits, and certain system modifications are included via upgrades (<\/span><a href=\"https:\/\/www.orhp.com\">ORHP coverage &#038; options<\/a><span style=\"font-weight: 400;\">). Pricing is quoted by ZIP and depends on the Trade Call Fee you select; typical industry ranges are ~$300\u2013$800+ per year with service fees most often $75\u2013$150 (<\/span><a href=\"https:\/\/www.forbes.com\/home-improvement\/home-warranty\/home-warranty-cost\/\">cost guide<\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Guarantees\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p><span style=\"font-weight: 400;\">Service workmanship guarantee periods and recall policies are defined in your state contract and can vary by provider and jurisdiction. Review the workmanship or service work section of your agreement before purchase, and use independent guidance like the <\/span><a href=\"https:\/\/www.bbb.org\/article\/tips\/14038-bbb-tip-home-warranties\">BBB\u2019s home warranty tips<\/a><span style=\"font-weight: 400;\"> to understand limits, caps, and exclusions.<\/span><\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Before You Buy\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p><span style=\"font-weight: 400;\">Expect to choose a per-visit Trade Call Fee (often $75\u2013$150 industrywide) and know it affects your premium (<\/span><a href=\"https:\/\/www.forbes.com\/home-improvement\/home-warranty\/home-warranty-cost\/\">cost guide<\/a><span style=\"font-weight: 400;\">). Verify waiting periods, coverage caps, and upgrade effects in your state contract. Be aware of current regulations that affect buying and renewals: the FCC\u2019s new one-to-one consent standard for lead generation and telemarketing applies in 2025 (<\/span><a href=\"https:\/\/www.fcc.gov\">FCC order<\/a><span style=\"font-weight: 400;\">; <\/span><a href=\"https:\/\/www.dwt.com\/insights\/2024\/10\/fcc-sets-compliance-date-lead-generator-rule\">compliance date guidance<\/a><span style=\"font-weight: 400;\">), California\u2019s all-in pricing law requires advertising to include mandatory fees (<\/span><a href=\"https:\/\/leginfo.legislature.ca.gov\/faces\/billNavClient.xhtml?bill_id=202320240SB478\">SB 478<\/a><span style=\"font-weight: 400;\">), and many states now mandate clear auto-renewal disclosures and easy online cancellation (<\/span><a href=\"https:\/\/www.ncsl.org\/financial-services\/automatic-renewal-laws\">state ARLs overview<\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                            <\/div>\n\n            <div class=\"swiper-navigation-wrapper-refresh\">\n                <div class=\"swiper-button-prev\"><\/div>\n                <div class=\"swiper-pagination\"><\/div>\n                <div class=\"swiper-button-next\"><\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<h2 class=\"wp-block-heading\">Old Republic Home Protection Warranty Plans<\/h2>\n\n\n<div id=\"block_6050f73f0eedb\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Standard Coverage<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Core home systems such as heating (and ductwork), plumbing, and electrical (state-specific inclusions and caps apply).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Select built-in components (e.g., garage door opener, central vacuum) and services like rekey in some states.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Appliance coverage varies by state and plan; review your brochure for exact items and limits.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">See your state\u2019s brochure and contract for exact inclusions, exclusions, and dollar limits (<\/span><a href=\"https:\/\/www.orhp.com\">ORHP coverage &#038; options<\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6050f74e0eedc\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Ultimate Protection<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Ultimate Protection builds on the base plan and may include enhancements like:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Coverage for certain code violations and required permits (varies by state).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Allowances for modifications related to covered repairs and some mismatched or improper installations (where specified).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Expanded component coverage for HVAC\/plumbing and appliance haul-away in some states.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Confirm details in your state brochure (<\/span><a href=\"https:\/\/www.orhp.com\">ORHP coverage &#038; options<\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6050f7670eedd\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Platinum Protection<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Platinum Protection adds further enhancements beyond Ultimate and may include broader allowances for modifications, select stoppages, or higher caps where available \u2014 all defined in your state brochure.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Check your state\u2019s matrix for details on what Platinum extends versus Ultimate.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Refer to the plan comparison for your ZIP (<\/span><a href=\"https:\/\/www.orhp.com\">ORHP coverage &#038; options<\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6050f7760eede\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Patriot Plan <\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Available in select states as part of ORHP\u2019s Freedom-branded offerings; contents vary by state.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Typically centers on core systems (HVAC, plumbing, electrical); check whether appliances are included or require upgrades in your state.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Always review your state-specific brochure for exact inclusions and limits (<\/span><a href=\"https:\/\/www.orhp.com\">ORHP coverage &#038; options<\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6050f7850eedf\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Liberty Plan<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">An enhanced Freedom-branded tier available in some states; often builds on Patriot-level systems with added appliance coverage (e.g., kitchen refrigerator) where offered \u2014 verify in your state brochure.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">State-specific inclusions and caps apply.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">See details for your ZIP (<\/span><a href=\"https:\/\/www.orhp.com\">ORHP coverage &#038; options<\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6050f7950eee0\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Freedom Plan<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">A higher Freedom-branded tier available in select markets that may add appliances or specialty items beyond Liberty \u2014 details vary by state and brochure.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Confirm which appliances (e.g., washer\/dryer) and water treatment items (e.g., water softener) are included in your state.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Consult your state-specific brochure for full terms (<\/span><a href=\"https:\/\/www.orhp.com\">ORHP coverage &#038; options<\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6050f7a90eee1\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Optional add-ons<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pool\/spa equipment (and solar pool\/spa where available)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Limited roof leak repair<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Well pump\/booster pump and septic system options (state-specific)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Additional refrigeration units and stand-alone freezer<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Water softener and sump pump<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Electronics and smart-home protection (via separate plan offering; availability varies) <\/span><a href=\"https:\/\/www.orhp.com\/fortegra\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Tech and Smart Home Protection Plan<\/a><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Other specialty options may be offered in some states; consult your brochure.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Add-ons, caps, and availability are state-specific \u2014 verify your ZIP on ORHP\u2019s site (<\/span><a href=\"https:\/\/www.orhp.com\">coverage &#038; options<\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\">Old Republic Home Warranty vs. The Competition&nbsp;<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td>Provider<\/td><td>Reviews.com Score<\/td><td>Price<\/td><td>Service Fee<\/td><td>States Served<\/td><\/tr><tr><td>Old Republic Home Warranty&nbsp;<\/td><td>2.75<\/td><td>ZIP-specific; typically ~$300\u2013$800+\/yr<\/td><td>$75\u2013$150 (TCF; varies by state\/plan)<\/td><td>Multi-state<\/td><\/tr><tr><td>American Residential Warranty<\/td><td>\u2014<\/td><td>ZIP-specific; varies by plan\/promos<\/td><td>Shown in quote\/contract; varies by plan\/state<\/td><td>Multi-state<\/td><\/tr><tr><td>Choice Home Warranty<\/td><td>\u2014<\/td><td>ZIP-specific; two tiers (Basic\/Total)<\/td><td>Set in contract\/quote; varies by state<\/td><td>Multi-state<\/td><\/tr><tr><td>2-10 Home Buyers Warranty<\/td><td>\u2014<\/td><td>ZIP-specific; plan tiers vary<\/td><td>Commonly $100 (selectable; see state terms)<\/td><td>Multi-state<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>Information current as of 2025. Service-fee options and pricing references sourced from: <\/em><em><a href=\"https:\/\/www.forbes.com\/home-improvement\/home-warranty\/home-warranty-cost\/\">industry cost guide<\/a>, <a href=\"https:\/\/www.orhp.com\/\">ORHP<\/a>, <a href=\"https:\/\/www.ahs.com\/home-warranty\/plans-and-pricing\/\">AHS<\/a>, <a href=\"https:\/\/www.cinchhomeservices.com\">Cinch<\/a>, <a href=\"https:\/\/afchomeclub.com\/terms-and-conditions\/\">AFC<\/a>, and <a href=\"https:\/\/www.2-10.com\/homeowners-warranty\/terms\/\">2-10<\/a>. Always verify current figures for your ZIP and state contract.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Old Republic vs. American Residential Warranty<\/h3>\n\n\n\n<p><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/home-warranty\/american-residential-warranty-review\/\">American Residential Warranty<\/a> offers multiple formats (appliance-only, systems-only, and bundled tiers) and publishes current plan menus online (<a href=\"https:\/\/americanresidentialwarranty.com\/home-warranty-plans\">ARW plans<\/a>). Both ARW and ORHP use a per-visit service fee disclosed in your quote and contract; exact amounts vary by plan and state. Compare state contracts and add-on lists for an apples-to-apples view of what\u2019s included and capped at your ZIP (<a href=\"https:\/\/americanresidentialwarranty.com\/home-warranty-plans\">ARW<\/a>; <a href=\"https:\/\/www.orhp.com\">ORHP<\/a>).<\/p>\n\n\n\n<p>Electronics and smart-home coverage is sometimes offered as an add-on by ARW (market-dependent), while ORHP references a separate Tech and Smart Home Protection Plan with its own terms (<a href=\"https:\/\/www.orhp.com\/fortegra\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Tech and Smart Home Protection Plan<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Old Republic vs. Choice Home Warranty<\/h3>\n\n\n\n<p><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/home-warranty\/choice-review\/#:~:text=Yes.,claims%20within%20just%20four%20hours.\">Choice Home Warranty<\/a> markets a simple two-tier structure (Basic vs. Total), with the Total plan typically adding big-ticket items such as central A\/C and refrigerators that may be excluded from Basic \u2014 verify in your state (<a href=\"https:\/\/www.choicehomewarranty.com\">CHW coverage<\/a>; <a href=\"https:\/\/www.choicehomewarranty.com\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">contract terms<\/a>). Both CHW and ORHP set a per-visit service fee in the quote\/contract and vary availability by state.<\/p>\n\n\n\n<p>BBB ratings and complaint volumes change over time \u2014 check current profiles on the <a href=\"https:\/\/www.bbb.org\/us\/nj\/edison\/profile\/home-warranty-plans\/choice-home-warranty-0221-90048733\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">BBB<\/a> for CHW and on <a href=\"https:\/\/www.bbb.org\/\">BBB.org<\/a> for ORHP before purchasing.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Old Republic vs. 2-10 Home Buyers Warranty<\/h3>\n\n\n\n<p>Both Old Republic and <a href=\"https:\/\/www.2-10.com\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2-10 Home Buyers Warranty<\/a> offer systems-and-appliances coverage with optional upgrades and add-ons. 2-10 clearly surfaces service-fee options at purchase (commonly around $100, subject to your state agreement), which lets you trade higher per-visit fees for lower premiums (<a href=\"https:\/\/www.2-10.com\">2-10 plan compare<\/a>; <a href=\"https:\/\/www.2-10.com\/homeowners-warranty\/terms\/\">2-10 terms<\/a>). ORHP quotes annual premiums that vary with your chosen TCF and state terms (<a href=\"https:\/\/www.orhp.com\/\">ORHP<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Old Republic Home Warranty FAQ&nbsp;<\/h2>\n\n\n<div id=\"block_6050f81f0eee2\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How much is an Old Republic home warranty?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Pricing is quoted by ZIP and plan, and your selected Trade Call Fee (TCF) influences the premium. Based on current national cost guides, many home warranty plans fall roughly in the $300\u2013$800+ annual range, with per-visit fees most often $75\u2013$150 \u2014 your exact quote may be higher or lower depending on your state, plan tier, and promotions (<\/span><a href=\"https:\/\/www.forbes.com\/home-improvement\/home-warranty\/home-warranty-cost\/\">cost guide<\/a><span style=\"font-weight: 400;\">; <\/span><a href=\"https:\/\/www.orhp.com\/\">ORHP<\/a><span style=\"font-weight: 400;\">). Get a current quote for your address on ORHP\u2019s site and review your state brochure for fee options and limits.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6050f82a0eee3\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What does my Old Republic Home warranty cover?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">The base plan typically covers key home systems (heating, plumbing, electrical) and selected built-in components; appliance inclusions vary by state and plan. Ultimate and Platinum upgrades can expand protections for items like certain code upgrades, permits, and modifications. Optional add-ons (e.g., pool\/spa, well\/septic, roof leak repair) are state-specific. Always check your state brochure and contract for exact inclusions, exclusions, caps, and service-fee terms (<\/span><a href=\"https:\/\/www.orhp.com\">ORHP coverage &#038; options<\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6050f8340eee4\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the best home warranty company?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">It depends on your home and priorities. If you want a transaction-focused plan with upgrade paths for code\/permit gaps, ORHP\u2019s core + Ultimate\/Platinum structure may fit (<\/span><a href=\"https:\/\/www.orhp.com\/home-warranty\/homeowner\/plan-coverage-and-options\">ORHP<\/a><span style=\"font-weight: 400;\">). If you prefer many plan formats, <\/span><a href=\"https:\/\/americanresidentialwarranty.com\/home-warranty-plans\">American Residential Warranty<\/a><span style=\"font-weight: 400;\"> offers appliance-only, systems-only, and bundled tiers. If you want a simple two-tier choice, verify whether <\/span><a href=\"https:\/\/www.choicehomewarranty.com\">Choice Home Warranty\u2019s Basic vs. Total<\/a><span style=\"font-weight: 400;\"> plan includes your must-haves (e.g., A\/C, refrigerator). If you want to tune service fee vs. premium, <\/span><a href=\"https:\/\/www.2-10.com\">2-10 HBW<\/a><span style=\"font-weight: 400;\"> publishes selectable fee options. Always compare state contracts, caps, and service-fee terms for your ZIP before deciding.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6050f8450eee5\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Are home warranties worth it?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">They can offset repair costs for older systems and appliances, but value depends on the match between your home\u2019s risks and the plan\u2019s caps and exclusions. Industry pricing and service-fee ceilings have generally trended upward since early 2020s, so scrutinize coverage dollar limits and what upgrades add (<\/span><a href=\"https:\/\/www.forbes.com\/home-improvement\/home-warranty\/home-warranty-cost\/\">cost guide<\/a><span style=\"font-weight: 400;\">). Follow independent guidance like the <\/span><a href=\"https:\/\/www.bbb.org\/article\/tips\/14038-bbb-tip-home-warranties\">BBB\u2019s home warranty tips<\/a><span style=\"font-weight: 400;\">: read contracts carefully, confirm waiting periods and service-fee terms, and check complaint patterns and resolution practices before buying.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We evaluated Old Republic Home Protection using current, state-specific plan information and industry benchmarks. Because pricing and fees are ZIP-specific and change with promotions and TCF selection, we focused on: state brochures\/contracts, service-fee (TCF) structures, upgrade and add-on availability, and independent cost ranges and service-fee options cited by major competitors. We also consulted multi-platform customer review sources for current reputation context (ratings are dynamic; verify at source links on publication date).<\/p>\n\n\n\n<ul><li>Pricing and Fees: Benchmarked typical annual premiums ($300\u2013$800+) and per-visit fees ($75\u2013$150) against current references (<a href=\"https:\/\/www.forbes.com\/home-improvement\/home-warranty\/home-warranty-cost\/\">cost guide<\/a>) and provider materials (<a href=\"https:\/\/www.orhp.com\/\">ORHP<\/a>; <a href=\"https:\/\/www.ahs.com\/home-warranty\/plans-and-pricing\/\">AHS<\/a>; <a href=\"https:\/\/www.cinchhomeservices.com\">Cinch<\/a>; <a href=\"https:\/\/afchomeclub.com\/terms-and-conditions\/\">AFC<\/a>; <a href=\"https:\/\/www.2-10.com\/homeowners-warranty\/terms\/\">2-10<\/a>).<\/li><li>Trade Call Fee options: Noted whether the provider lets you choose the service fee and how it impacts premiums (e.g., AHS $100\/$125\/$150; Cinch $100\/$125\/$150; AFC $75\/$100\/$125) (<a href=\"https:\/\/www.ahs.com\/home-warranty\/plans-and-pricing\/\">AHS<\/a>; <a href=\"https:\/\/www.cinchhomeservices.com\">Cinch<\/a>; <a href=\"https:\/\/afchomeclub.com\/terms-and-conditions\/\">AFC<\/a>).<\/li><li>Coverage and Upgrades: Compared base inclusions, Ultimate\/Platinum-type upgrades, and add-ons; verified that details and caps are state-specific (<a href=\"https:\/\/www.orhp.com\">ORHP<\/a>; <a href=\"https:\/\/www.choicehomewarranty.com\">CHW coverage<\/a>; <a href=\"https:\/\/www.choicehomewarranty.com\">CHW sample contract<\/a>; <a href=\"https:\/\/americanresidentialwarranty.com\/home-warranty-plans\">ARW plans<\/a>; <a href=\"https:\/\/www.2-10.com\">2-10 compare<\/a>).<\/li><li>Customer Satisfaction Context: Cross-checked platform snapshots on <a href=\"https:\/\/www.trustpilot.com\/review\/orhp.com\">Trustpilot<\/a>, <a href=\"https:\/\/www.consumeraffairs.com\">ConsumerAffairs<\/a>, and <a href=\"https:\/\/www.bbb.org\/\">BBB<\/a> (letter grade and complaint data) with an emphasis on recency and complaint themes.<\/li><li>Regulatory Environment: Considered recent buyer protections that affect expectations and disclosures (e.g., <a href=\"https:\/\/www.fcc.gov\">FCC one-to-one consent<\/a>, <a href=\"https:\/\/leginfo.legislature.ca.gov\/faces\/billNavClient.xhtml?bill_id=202320240SB478\">California all-in pricing<\/a>, and <a href=\"https:\/\/www.ncsl.org\/financial-services\/automatic-renewal-laws\">state auto-renewal laws<\/a>).<\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Reviews Report ORHP prices by ZIP and plan, and your selected Trade Call Fee (TCF) directly affects the annual premium; industry cost guides place typical totals around $300\u2013$800+ per year with per-visit fees most often $75\u2013$150 (source; ORHP). Plan architecture centers on a core plan with optional Ultimate Protection and Platinum Protection upgrades that broaden [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":360078,"parent":1764,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh-spr.php","meta":[],"categories":[1269],"tags":[],"post_author":[16970],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Old Republic Home Protection Home Warranty Review | Reviews.com<\/title>\n<meta name=\"description\" content=\"Homeowners who are looking for straightforward coverage at a reasonable cost should read this Old Republic home warranty review.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/home-warranty\/old-republic-review\/\" 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