Compare Home Warranty Options in Ohio
See what plans you qualify for in less than 2 minutes
Plans, Pricing & What's Covered
Old Republic Home Protection (ORHP) has been a BBB-accredited home warranty company since 1996, serving homeowners, buyers, sellers, and real estate professionals across 25 states and Washington, D.C. As of December 2025, Old Republic rolled out updated pricing and expanded coverage on select plans — making 2026 a good time to reassess whether it's the right fit for your home.
Plan Tiers at a Glance
Old Republic offers three core coverage tiers — Basic, Deluxe, and Elite (its top-tier plan, often referred to as Platinum or Ultimate Protection). Each plan is designed to scale in coverage and cost, with optional add-ons available across all tiers.
| Plan | Est. Monthly Cost | Est. Annual Cost | Trade Call Fee |
|---|---|---|---|
| Basic | $45 – $55 | $540 – $660 | $100 or $125 |
| Deluxe | $55 – $70 | $660 – $840 | $100 or $125 |
| Elite (Platinum) | $70 – $90 | $840 – $1,080 | $100 or $125 |
Pricing varies by state. Always check your state-specific brochure for binding quotes.
What Each Plan Covers
Basic Plan covers major home systems including heating ($6,500/system), electrical (no stated dollar cap on most general repairs), plumbing (no cap on standard repairs; $1,500 on slab leaks), kitchen appliances up to $3,500 each (excluding the refrigerator), water heater, garage door openers, and a one-time rekeying service.
Deluxe Plan adds central air conditioning ($6,500/system), washer and dryer, kitchen refrigerator, and code upgrade/haul-away/permit costs up to a combined $500 limit. Refrigerant coverage kicks in at $20/lb.
Elite Plan takes everything in Deluxe and bumps appliance limits to $7,000 each, adds unlimited refrigerant top-offs and tune-ups for HVAC, zone controls, root stoppages, crane use for large equipment, and raises the code/permit/modification limit to $1,000.
Popular Optional Add-Ons
| Add-On | Est. Monthly Cost |
|---|---|
| Pool / Spa | ~$25/mo |
| Roof Leak Coverage | ~$9/mo |
| Septic System | ~$7/mo |
| Extra Refrigerator or Freezer | ~$5/mo |
| Guest Home Coverage | ~$14–$32/mo |
Ratings, Complaints & Real Customer Experiences
BBB Rating & Trustpilot Score
Old Republic Home Protection holds an A+ rating from the BBB and has maintained BBB accreditation since 1996 — a strong institutional signal. On Trustpilot, they score 4.1 out of 5 stars, which is above average for the home warranty industry. BBB customer reviews average around 3.71 out of 5 stars based on over 1,100 reviews.
What Real Customers Are Saying
Feedback from ConsumerAffairs, BBB, and Reddit paints a mixed but not unusual picture for the home warranty industry:
Positive experiences often cite quick same-day repairs, especially for smaller appliance issues, and successful coverage of larger systems like HVAC. Long-term customers who've held plans for 8+ years generally report value in major covered repairs like full AC replacements — sometimes with only around $200 out-of-pocket after the trade call fee.
Negative experiences frequently point to denied claims on items customers assumed were covered, extended wait times (some reporting weeks without AC during summer), and inconsistent contractor quality depending on region. Customer service response times during peak seasons have also drawn criticism.
Old Republic vs. The Competition
How does Old Republic stack up against the two biggest names in home warranties? Here's a head-to-head comparison with American Home Shield and Choice Home Warranty:
Side-by-Side Comparison
| Feature | Old Republic | American Home Shield | Choice Home Warranty |
|---|---|---|---|
| Monthly Cost (entry) | ~$45–$55 | ~$50+ | ~$46–$58 |
| State Availability | 25 + D.C. | 49 states | 50 states |
| BBB Rating | A+ | B | B |
| Trustpilot Score | 4.1/5 | ~3.8/5 | ~3.5/5 |
| HVAC Coverage Cap | $6,500/system | Unlimited on some plans | $3,000 |
| Appliance Cap | Up to $7,000 (Elite) | Varies by plan | $3,000 |
| Workmanship Guarantee | 30 days | 30 days | 90 days (parts), 60 days (labor) |
| Real Estate / Seller Plans | Yes | Limited | No |
For a detailed breakdown of First American Home Warranty, which is another strong regional competitor, check out our full review.
Who Benefits Most & Is It Worth It?
Best Fit: Realtors, Sellers & Active Homeowners
Old Republic has built a strong reputation in the real estate transaction space. The company offers dedicated listing (seller) plans that provide coverage during the home sale period, making it a popular choice for:
- Home sellers who want to offer buyers peace of mind by including a warranty with the listing
- Real estate agents who want a reliable warranty partner for their clients
- Homeowners with aging systems who want higher HVAC and appliance limits than competitors typically offer
- Budget-conscious buyers who want a solid mid-tier plan in a state where Old Republic operates
Verdict: Worth It With Caveats
Old Republic Home Protection delivers solid value if you're in one of its 25 covered states and your home has aging HVAC systems or major appliances. The high coverage caps on the Elite plan, A+ BBB rating, and Trustpilot score above 4 stars set it apart from many competitors. However, claim experience varies significantly by region and contractor availability.
If you live in a state where Old Republic operates and want a home warranty with strong system and appliance limits, it's a competitive option worth getting a quote for. If you need nationwide coverage or a longer workmanship guarantee, American Home Shield or Choice Home Warranty may serve you better.
Frequently Asked Questions
Is Old Republic Home Warranty available in my state?
Old Republic Home Protection currently operates in 25 states plus Washington, D.C. Coverage availability, plan names, and pricing can vary by state, so it's important to check your specific state's brochure on their website. If Old Republic isn't available in your area, alternatives like American Home Shield cover 49 states.
What is Old Republic's BBB rating?
Old Republic Home Protection has an A+ BBB rating and has been BBB accredited since November 1996 — one of the longest-standing accreditations in the home warranty industry. That said, BBB customer review scores average around 3.71/5, which reflects the mixed experiences customers report, similar to most home warranty providers.
How does the Old Republic claims process work?
You can submit a service request online through your Homeowner Central account or by calling their service line at 800.972.5985, available 24/7 year-round. Once your request is submitted, Old Republic assigns an independent service provider from their contractor network who contacts you to schedule an appointment. You pay the trade call fee at the time of service, and all completed repairs carry a 30-day workmanship guarantee.
What does Old Republic NOT cover?
Like all home warranties, Old Republic excludes pre-existing conditions, damage caused by improper installation, pests, cosmetic defects, and manufacturer recalls. Certain repair types like slab leaks are capped (e.g., $1,500), and code upgrade costs are limited based on your plan tier ($500 on Deluxe, $1,000 on Elite). Always read the sample contract for your state before purchasing.
Is Old Republic good for real estate transactions?
Yes — Old Republic is one of the more real estate-friendly home warranty companies. They offer dedicated seller listing coverage plans that can be added to a home at the time of listing, often at no upfront cost to the seller. This makes them popular with real estate agents and sellers who want to protect the transaction and make their listing more appealing to buyers. Learn more about how home warranties work during real estate transactions.