Compare Home Warranty Options in Ohio
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Plans, Pricing & What's Covered
Old Republic Home Protection (ORHP) has been in the home warranty business since 1974, giving it over 50 years of experience. As of December 2025, the company refreshed its pricing and plan structure, now offering three core tiers: Silver (Basic), Gold (Deluxe), and Platinum (Elite). Coverage is available in 25 states plus Washington, D.C., so availability should be your first check before comparing plans.
Plan Breakdown
| Feature | Silver (Basic) | Gold (Deluxe) | Platinum (Elite) |
|---|---|---|---|
| Monthly Cost | $45–$55 | $55–$70 | $70–$90 |
| Annual Cost (Est.) | $540–$660 | $660–$840 | $840–$1,080 |
| HVAC Coverage | ✅ | ✅ | ✅ |
| Plumbing & Electrical | ✅ | ✅ | ✅ Unlimited |
| Kitchen Appliances | ✅ (excl. fridge) | ✅ + Refrigerator | ✅ |
| Washer & Dryer | ❌ | ✅ | ✅ |
| Appliance Cap | $3,500/item | $3,500–$4,000/item | $7,000/item |
| HVAC Cap | $6,500 | $6,500 | $6,500+ |
| Rekey Service | ✅ (1x per term) | ✅ | ✅ |
| Service Fee | $100–$125 | $100–$125 | $100–$125 |
All plans offer a 30-day workmanship guarantee on completed repairs and include rekeying service (up to 6 keyholes, 4 copies) once per plan term — a nice perk for homebuyers.
Optional Add-Ons
ORHP lets you customize your plan with several add-ons:
- Pool & Spa Coverage: ~$25/month
- Guest Home Coverage: ~$14–$32/month
- Roof Leak Protection: ~$9/month
- Emergency Lodging/Temporary AC or Heat Reimbursement: Available as an add-on
How the Claims Process Works
Filing a claim with Old Republic is relatively straightforward — but the experience after submission is where customer opinions tend to diverge.
Step-by-Step Claim Process
- Submit a request online via your Homeowner Central account or call 800.972.5985 (available 24/7)
- ORHP dispatches a contractor from their independent service provider network
- The contractor contacts you to schedule a diagnosis appointment
- You pay the Trade Call Fee (TCF) at the time of the visit — this is due regardless of whether your claim is approved
- ORHP reviews coverage and either approves the repair, offers a cash-in-lieu payout, or denies the claim
- Repairs are completed with a 30-day guarantee, or reimbursement is issued after invoice receipt
Response Time & Contractor Network
ORHP uses an independent contractor network, meaning the quality of your experience can vary depending on who is available in your area. The company allows online status tracking, but customer reviews frequently mention long waits for complex repairs — particularly HVAC in summer months, where some customers reported waiting 3–5 weeks. For straightforward jobs like a dishwasher fix or plumbing repair, turnaround tends to be much faster. If you're curious how this compares to competitors, the American Home Shield reviews cover their 24-hour dispatch track record in detail.
BBB Rating, Customer Reviews & Common Complaints
Ratings at a Glance
| Platform | Rating |
|---|---|
| BBB (Better Business Bureau) | A+ (Accredited 25+ years) |
| Trustpilot | 4.1 / 5.0 |
| BBB Customer Reviews | ~3.71 / 5.0 (1,100+ reviews) |
| BestCompany.com | Mixed (majority 1-star reviews) |
Old Republic holds a well-maintained A+ BBB rating — a credential they've earned over 25 years of accreditation. On Trustpilot, the company performs solidly at 4.1 stars. However, platforms like BestCompany.com tell a different story, with negative reviews outnumbering positive ones among verified buyers.
What Customers Praise
- Long-term reliability: Many reviewers with 5–9 years of coverage report positive experiences with big-ticket repairs like full HVAC replacements
- Good value on straightforward claims: Dishwasher, water heater, and plumbing repairs frequently cited as smooth and cost-saving
- Realtor endorsements: Former real estate professionals consistently rank ORHP highly compared to other warranty companies they've worked with
Most Common Complaints
- Claim denials on covered items: Refrigerators and ranges denied even when listed as covered
- Contractor inconsistency: Technician quality ranges from excellent to inadequate depending on location
- Long HVAC wait times: Some customers reported going weeks without working air conditioning
- Customer service hold times: Difficulty reaching representatives during high-demand periods
- Short 30-day repair guarantee: Competitors like Choice Home Warranty offer 90-day parts and 60-day labor guarantees
Old Republic vs. The Competition
Head-to-Head Comparison
Pricing Comparison Table
| Company | Monthly Range | Service Fee | Nationwide? | Workmanship Guarantee |
|---|---|---|---|---|
| Old Republic | $45–$90 | $100–$125 | ❌ 25 states | 30 days |
| American Home Shield | $19.99–$119.99 | $100–$125 | ✅ 49 states | 30 days |
| Choice Home Warranty | $49–$58 | $100 | ✅ Most states | 90 days (parts) / 60 days (labor) |
| First American | $37–$105 | Varies | ✅ Most states | 30 days |
For a full breakdown of First American's plans, check out the First American Home Warranty review.
Where Old Republic Wins
ORHP's $7,000 appliance cap on the Platinum plan is one of the most generous in the industry. Their pricing is competitive, and their long track record in real estate transactions gives them credibility that newer providers can't match. For homes with aging but well-maintained systems, ORHP can deliver serious value.
Where It Falls Short
AHS covers pre-existing conditions, rust, and corrosion — meaning an older home is significantly better protected under AHS. If your home has any known issues or deferred maintenance, American Home Shield is the safer bet. For budget shoppers wanting nationwide coverage, Choice Home Warranty undercuts ORHP on price and offers longer workmanship guarantees.
Old Republic is also worth considering alongside 2-10 Home Buyers Warranty if you're looking at builder warranties or new construction coverage. And if your home is older with aging systems, our guide on home warranties for old homes can help you identify the right level of protection.
Frequently Asked Questions
Is Old Republic Home Warranty worth it in 2026?
Old Republic Home Warranty is worth it for homeowners in its 25-state coverage area who want high appliance coverage limits and a trusted brand with 50+ years of history. It's particularly well-suited for real estate transactions where a warranty is included in the listing. However, if you have an older home with pre-existing issues, American Home Shield may offer better protection. Always read your state-specific contract before purchasing.
What is Old Republic Home Warranty's BBB rating?
Old Republic Home Protection holds an A+ rating from the Better Business Bureau and has been a BBB-accredited business for over 25 years. While the formal rating is excellent, customer review scores on BBB's platform average around 3.71 out of 5, reflecting mixed real-world experiences. The gap between the accreditation grade and customer reviews is something potential buyers should factor into their decision.
What does Old Republic Home Warranty not cover?
Like most home warranties, ORHP excludes pre-existing conditions, cosmetic damage, improper installation issues (on lower tiers), code upgrade costs on base plans, and secondary damages. Wall repairs after service are finished to a rough coat only — no painting or texture matching is included. Pool, spa, and roof leak coverage are optional add-ons and must be purchased separately.
How does Old Republic compare to American Home Shield?
American Home Shield covers more states (49 vs. 25), includes pre-existing conditions, rust, and corrosion, and offers unlimited electrical coverage — making it stronger for older or more complex homes. Old Republic competes on appliance caps (up to $7,000 vs. AHS's $4,000 on top plans) and is favored in real estate transactions. For straightforward newer homes in ORHP's coverage area, Old Republic can be the better value.
Who benefits most from Old Republic Home Warranty?
Old Republic is especially beneficial for real estate agents and home sellers who want to offer listing coverage and reduce post-sale liability. Homebuyers in ORHP-covered states also benefit from the rekeying service and strong HVAC limits. Long-term homeowners with well-maintained systems tend to see the best claim outcomes. Those with older homes or known system issues may find better coverage elsewhere, such as with Select Home Warranty or American Home Shield.