Compare Home Warranty Options in Ohio
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Plans, Pricing & What's Covered
Old Republic Home Protection has been operating since 1974, making it one of the longest-standing companies in the home warranty industry. It became a subsidiary of Old Republic International in 1982, expanded nationally in 1995, and has maintained BBB accreditation since November 1996. As of 2026, ORHP serves homeowners, buyers, sellers, and real estate professionals across 25 states plus Washington, D.C.
Plan Tiers at a Glance
Old Republic offers three core coverage tiers: Basic, Deluxe, and Elite. Each plan scales in coverage and cost, with optional add-ons available across all tiers. Independent 2026 reviews from NerdWallet and MarketWatch place monthly pricing between $45 and $90, depending on state, home type, and add-ons selected.
| 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 | $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 most major home systems including heating ($6,500/system limit), electrical (no dollar cap on general repairs), plumbing (no cap on standard repairs, but a $1,500 cap on slab and polybutylene pipe leaks and $600 per toilet replacement), water heater, garage door openers, kitchen appliances up to $3,500 each, and a one-time rekeying service. Notably, the Basic plan does not include central air conditioning or a washer/dryer.
Deluxe Plan adds central air conditioning ($6,500/system), washer and dryer, kitchen refrigerator, and coverage enhancements (code upgrades, haul-away, permits) up to a combined $500 limit. Appliance limits stay at $3,500 each.
Elite Plan doubles appliance limits to $7,000 each, adds unlimited refrigerant top-offs, HVAC tune-ups, zone controls, root stoppages, and raises the coverage enhancement limit to $1,000 combined. Old Republic also advertises no overall dollar limit per plan term, subject to per-item caps.
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 |
| Well Pump | ~$7/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 accreditation since November 1996, one of the longest-standing accreditations in the home warranty industry. BBB customer reviews now average 3.73 out of 5 stars across roughly 1,034 reviews (as of mid-2026). On Trustpilot, ORHP scores 4.0 out of 5 stars across more than 15,000 reviews, well above industry average. A March 2026 BBB internal complaint review noted recurring issues around claims processing and reimbursements.
What Real Customers Are Saying
Feedback across Trustpilot, BBB, and ConsumerAffairs in 2026 paints a polarized picture. Positive reviewers highlight quick same-day repairs, professional technicians, and meaningful payouts on major covered items like HVAC replacements. Long-term customers frequently note that a single big repair paid for years of premiums.
Negative reviews, however, echo common home warranty complaints: denied claims where customers assumed items were covered, extended wait times during peak summer HVAC season, disputes between technician diagnoses and Old Republic's coverage determinations, and inconsistent contractor quality by region. A recurring theme in 2026 BBB complaints involves ORHP concluding that "a covered mechanical failure had not been confirmed" after reviewing a technician's report, leading to denials.
For a broader look at reliability issues across the industry, our guide on home warranty companies to avoid explains the red flags to watch for.
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 | $29.99+ | ~$49–$65 |
| State Availability | 25 + D.C. | 48 states (no AK/HI) | ~48 states |
| BBB Rating | A+ | B | B |
| Trustpilot Score | 4.0/5 | ~4.2/5 | ~3.5/5 |
| HVAC Coverage Cap | $6,500/system | Up to $10,000 | ~$3,000 |
| Appliance Cap | Up to $7,000 (Elite) | $2,000–$4,000 | ~$3,000 |
| Workmanship Guarantee | 30 days | 30 days | 60 days |
| Real Estate / Seller Plans | Yes (dedicated) | Limited | No |
Choice Home Warranty finalized an $11.8 million settlement with the Arizona Attorney General in early 2026 over allegations of misleading coverage claims. That's an important consideration when weighing trust and transparency between providers. Learn more in our Choice Home Warranty review.
If ORHP isn't available in your state, our guides on First American Home Warranty and 2-10 Home Buyers Warranty offer strong regional alternatives.
Who Benefits Most & Is It Worth It?
Best Fit: Realtors, Sellers & Homeowners with Aging Systems
Old Republic has built a strong reputation in the real estate transaction space. The company offers dedicated 13-month CRES Preferred listing plans (available in California, Texas, Georgia, Florida, and more) that provide coverage during the home sale period plus the first year of ownership. That makes ORHP especially popular with:
- 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 most competitors offer
- Budget-conscious buyers in one of the 25 states where Old Republic operates
For older homes specifically, our home warranty for old homes guide explains how age affects eligibility and payouts.
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 A+ BBB rating, 4.0+ Trustpilot score, and generous coverage caps on the Elite plan set it apart from many competitors. However, the 30-day workmanship guarantee is shorter than the 60-to-90-day guarantees offered by many rivals, and the trade call fee is charged whether or not the claim is approved.
If you live in a covered state and want strong system and appliance limits, ORHP is a competitive option worth getting a quote for. If you need nationwide coverage, our best home warranty companies guide can help you find the right alternative. For a deeper look at how caps affect real payouts, see our home warranty payout limits breakdown.
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 vary by state, so check your specific state's brochure on their website. If Old Republic isn't available in your area, alternatives like American Home Shield cover 48 states.
What is Old Republic's BBB rating in 2026?
Old Republic holds an A+ BBB rating and has been accredited since November 1996, one of the longest tenures in the industry. BBB customer reviews average 3.73/5 across roughly 1,034 reviews, which reflects the mixed experiences customers commonly report with home warranty providers. A March 2026 BBB internal review flagged recurring complaints around claims and reimbursements.
How does the Old Republic claims process work?
You can submit a service request online through your Homeowner Central account or by calling 800.972.5985, available 24/7. Old Republic then assigns an independent contractor who contacts you to schedule an appointment, and you pay the trade call fee ($100 or $125) at the time of service. Completed repairs carry a 30-day workmanship guarantee, and the trade call fee applies even if your claim is ultimately denied.
What does Old Republic NOT cover?
Old Republic excludes pre-existing conditions, damage caused by people or pests, cosmetic defects, missing components, and items subject to manufacturer recalls. Slab and polybutylene pipe leaks are capped at $1,500, toilet replacements at $600, and coverage enhancements at $500 (Deluxe) or $1,000 (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, offering dedicated 13-month CRES Preferred listing plans in many states. Sellers can add coverage at the time of listing, often at no upfront cost, making the property more appealing to buyers. This is why many agents partner with ORHP for their clients. Compare with our full home warranty options guide for other seller-friendly picks.