Compare Home Warranty Options in Ohio
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Plans, Pricing and 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, and has maintained BBB accreditation since November 1996. As of 2026, ORHP serves homeowners, buyers, sellers, and real estate professionals across roughly 25 states plus Washington, D.C., with a new plan structure that rolled out on December 1, 2025 nationwide and January 5, 2026 in Utah.
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 Forbes Advisor, NerdWallet, USA Today, and MarketWatch place monthly pricing between roughly $45 and $92, depending on state, home type, and service fee selected.
| Plan | Est. Monthly Cost | Est. Annual Cost | Service Fee |
|---|---|---|---|
| Basic | $45 – $55 | $540 – $660 | $100 or $125 |
| Deluxe | $55 – $70 | $660 – $840 | $100 or $125 |
| Elite | $70 – $92 | $840 – $1,100 | $100 or $125 |
Pricing varies significantly by state. MarketWatch's 2026 sample brochure showed monthly premiums as high as $98 (Basic), $126 (Deluxe), and $157 (Elite) in certain markets. Always check your state-specific brochure for binding quotes.
What Each Plan Covers
Basic Plan covers most major home systems including heating, electrical, plumbing (with sub-limits on slab and polybutylene pipe leaks and toilet replacement), water heater, garage door openers, and kitchen appliances up to $3,500 each. Notably, the Basic plan does not include central air conditioning or a washer/dryer set.
Deluxe Plan adds central air conditioning, 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 raises appliance limits to $7,000 each, adds unlimited refrigerant top-offs, HVAC tune-ups, zone controls, root stoppages, raises the coverage enhancement limit to $1,000 combined, and includes a separate $6,500 HVAC cap per unit. 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 and Real Customer Experiences
BBB Rating and Trustpilot Score
Old Republic Home Protection holds an A+ rating from the BBB and has been accredited since November 1996, one of the longest-standing accreditations in the home warranty industry. BBB customer reviews now average roughly 3.7 out of 5 stars across approximately 1,023 reviews as of mid-2026. On Trustpilot, ORHP scores 4.1 out of 5 stars, well above the industry average. On ConsumerAffairs, the company holds a 3.8/5 rating across 2,351 reviews.
What Real Customers Are Saying
Feedback across Trustpilot, BBB, and ConsumerAffairs in 2026 paints a polarized picture. Positive reviewers on Trustpilot frequently praise professional staff, quick response times, and smooth interactions on covered claims. Long-term customers often note that a single big repair (like an HVAC replacement) pays for years of premiums.
Negative reviews echo common home warranty complaints: BBB currently shows 761 total complaints in the last three years and 202 closed in the last 12 months. The most frequent themes include long hold times when calling customer service, disputes over claim denials or refusal to honor coverage, slow claims handling during peak HVAC season, inconsistent contractor quality by region, and difficulty getting reimbursements or cancellations processed.
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, and our home warranty statistics breakdown puts denial rates in context.
Old Republic vs. The Competition
How does Old Republic stack up against the two biggest names in home warranties? Here is 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+ | ~$46.83–$57.50 |
| State Availability | ~25 + D.C. | 48 states (no AK/HI) | ~48 states |
| BBB Rating | A+ | B | B |
| Trustpilot Score | 4.1/5 | ~4.1/5 | ~4.0/5 |
| HVAC Coverage Cap | $6,500/system (Elite) | $5,000/system | ~$3,000 |
| Appliance Cap | Up to $7,000 (Elite) | $2,000–$4,000 | ~$3,000 |
| Aggregate Cap | No overall limit | $50,000 (Platinum) | Varies |
| Workmanship Guarantee | 30 days | 30 days | 60 days |
| Real Estate / Seller Plans | Yes (dedicated) | Limited | No |
Choice Home Warranty finalized an $11.8 million Arizona Attorney General consent judgment on January 23, 2026 (announced February 10, 2026) with an August 1, 2026 restitution claim deadline for eligible customers. That is an important consideration when weighing trust and transparency between providers. Learn more in our Choice Home Warranty review.
If ORHP is not available in your state, our guides on First American Home Warranty and 2-10 Home Buyers Warranty offer strong alternatives. You can also compare across the market in our home warranty plans comparison for 2026, or check the best home warranty companies of 2026.
Who Benefits Most and Is It Worth It?
Best Fit: Realtors, Sellers and 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
- Landlords who need rental property warranty coverage
- Budget-conscious buyers in one of the roughly 25 states where Old Republic operates
For older homes specifically, our home warranty for old homes guide explains how age affects eligibility and payouts. First-time buyers should also review our first-time buyer warranty guide before signing anything. And if you specifically want to understand how HVAC caps play out in real life, see our HVAC coverage guide.
Verdict: Worth It With Caveats
Old Republic Home Protection delivers solid value if you are in one of its 25 covered states and your home has aging HVAC systems or major appliances. The A+ BBB rating, 4.1 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 rivals like Choice and Select Home Warranty, and the service 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. For a deeper look at how caps affect real payouts (including the $11,590 to $14,100 national HVAC replacement range), see our home warranty payout limits breakdown. And if you are still weighing whether coverage even makes sense, compare it with saving money instead.
Frequently Asked Questions
Is Old Republic Home Warranty available in my state?
Old Republic Home Protection currently operates in roughly 25 states plus Washington, D.C., with new 2026 plan structures rolling out on December 1, 2025 nationwide and January 5, 2026 in Utah. Coverage availability, plan names, and pricing vary by state, so check your specific state's brochure on orhp.com. If Old Republic is not 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 roughly 3.7 out of 5 across about 1,023 reviews, which reflects the mixed experiences customers commonly report with home warranty providers. On Trustpilot, ORHP earns 4.1/5, and on ConsumerAffairs it holds 3.8/5 across 2,351 reviews.
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 service fee ($100 or $125) at the time of service. Completed repairs carry a 30-day workmanship guarantee, and the service 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, manufacturer recalls, improper installation, routine maintenance, humidifiers, and damage from floods, fires, earthquakes, freezing, storms, and power surges. Certain plumbing items have sub-limits (slab and polybutylene pipe leaks, toilet replacements), and coverage enhancements are capped 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.