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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–$800+ per year with per-visit fees most often $75–$150 (source; ORHP).
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 (ORHP coverage & options).
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’s ZIP code (ORHP; plan coverage & options).
Not sure how a home warranty differs from homeowners insurance? See our guide to home insurance warranties. For pricing, avoid outdated “national list prices” — ORHP quotes are ZIP- and TCF-specific, and promotions can change; expect typical industry premiums in the $300–$800+ range with per-visit fees most often $75–$150 (cost guide; ORHP).
Old Republic Home Warranty Overview
Reviews.com Score:
2.75
Starting Price:
ZIP & TCF-dependent (typ. ~$300–$800+/yr)
Starting Service Fee:
Varies by state/plan (TCF; often $75–$150)
States Served:
Multi-state (state-specific)
BBB Rating: The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.
See BBB profile
Customer sentiment varies widely by platform and over time. Before you buy, check the current averages on TrustPilot and ConsumerAffairs, and review the company’s letter grade, complaint counts, and consumer star average on the BBB. As of 2025, it’s 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.
PROS
Flexible Trade Call Fee and plan upgradesORHP quotes annual premiums that vary with your selected Trade Call Fee (TCF), and offers upgrade packages (Ultimate, Platinum) to tailor coverage (ORHP; coverage & options).
State-specific add-onsAdd-ons (e.g., roof leak repair, pool/spa, well/septic, extra refrigeration) vary by state and can fill gaps important to your home (ORHP).
Competitive cost bandsTypical industrywide pricing falls near $300–$800+ annually with $75–$150 service fees, which is the range ORHP generally competes in (exact quotes vary) (cost guide).
Clear upgrade path for code/permit gapsUltimate/Platinum upgrades are designed to address items like code violations, permits, and certain modifications that many base plans exclude (ORHP).
CONS
Availability varies by stateORHP does not operate nationwide; coverage, options, and limits are state-specific and can differ meaningfully (ORHP).
Per-visit fee at time of serviceA Trade Call Fee is due per dispatched trade service request; the amount you choose at purchase will affect your premium (ORHP).
Upgrades may be required for broader protectionsProtections like certain code upgrades, permits, and system modifications are often available via paid Ultimate/Platinum upgrades rather than included in the base plan (ORHP).
Dynamic pricing and promotionsPremiums are ZIP- and promotion-specific across the industry and have trended upward with repair cost inflation; always get a current quote (cost guide).
Old Republic Home Warranty Highlights
Coverage & Plans
Guarantees
Before You Buy
Old Republic Home Protection warranties 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 (ORHP coverage & options). Pricing is quoted by ZIP and depends on the Trade Call Fee you select; typical industry ranges are ~$300–$800+ per year with service fees most often $75–$150 (cost guide).
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 BBB’s home warranty tips to understand limits, caps, and exclusions.
Expect to choose a per-visit Trade Call Fee (often $75–$150 industrywide) and know it affects your premium (cost guide). Verify waiting periods, coverage caps, and upgrade effects in your state contract. Be aware of current regulations that affect buying and renewals: the FCC’s new one-to-one consent standard for lead generation and telemarketing applies in 2025 (FCC order; compliance date guidance), California’s all-in pricing law requires advertising to include mandatory fees (SB 478), and many states now mandate clear auto-renewal disclosures and easy online cancellation (state ARLs overview).
Platinum Protection adds further enhancements beyond Ultimate and may include broader allowances for modifications, select stoppages, or higher caps where available — all defined in your state brochure.
Check your state’s matrix for details on what Platinum extends versus Ultimate.
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 — verify in your state brochure.
A higher Freedom-branded tier available in select markets that may add appliances or specialty items beyond Liberty — details vary by state and brochure.
Confirm which appliances (e.g., washer/dryer) and water treatment items (e.g., water softener) are included in your state.
Other specialty options may be offered in some states; consult your brochure.
Add-ons, caps, and availability are state-specific — verify your ZIP on ORHP’s site (coverage & options).
Old Republic Home Warranty vs. The Competition
Provider
Reviews.com Score
Price
Service Fee
States Served
Old Republic Home Warranty
2.75
ZIP-specific; typically ~$300–$800+/yr
$75–$150 (TCF; varies by state/plan)
Multi-state
American Residential Warranty
—
ZIP-specific; varies by plan/promos
Shown in quote/contract; varies by plan/state
Multi-state
Choice Home Warranty
—
ZIP-specific; two tiers (Basic/Total)
Set in contract/quote; varies by state
Multi-state
2-10 Home Buyers Warranty
—
ZIP-specific; plan tiers vary
Commonly $100 (selectable; see state terms)
Multi-state
Information current as of 2025. Service-fee options and pricing references sourced from: industry cost guide, ORHP, AHS, Cinch, AFC, and 2-10. Always verify current figures for your ZIP and state contract.
Old Republic vs. American Residential Warranty
American Residential Warranty offers multiple formats (appliance-only, systems-only, and bundled tiers) and publishes current plan menus online (ARW plans). 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’s included and capped at your ZIP (ARW; ORHP).
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 (Tech and Smart Home Protection Plan).
Old Republic vs. Choice Home Warranty
Choice Home Warranty 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 — verify in your state (CHW coverage; contract terms). Both CHW and ORHP set a per-visit service fee in the quote/contract and vary availability by state.
BBB ratings and complaint volumes change over time — check current profiles on the BBB for CHW and on BBB.org for ORHP before purchasing.
Old Republic vs. 2-10 Home Buyers Warranty
Both Old Republic and 2-10 Home Buyers Warranty 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 (2-10 plan compare; 2-10 terms). ORHP quotes annual premiums that vary with your chosen TCF and state terms (ORHP).
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–$800+ annual range, with per-visit fees most often $75–$150 — your exact quote may be higher or lower depending on your state, plan tier, and promotions (cost guide; ORHP). Get a current quote for your address on ORHP’s site and review your state brochure for fee options and limits.
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 (ORHP coverage & options).
It depends on your home and priorities. If you want a transaction-focused plan with upgrade paths for code/permit gaps, ORHP’s core + Ultimate/Platinum structure may fit (ORHP). If you prefer many plan formats, American Residential Warranty offers appliance-only, systems-only, and bundled tiers. If you want a simple two-tier choice, verify whether Choice Home Warranty’s Basic vs. Total plan includes your must-haves (e.g., A/C, refrigerator). If you want to tune service fee vs. premium, 2-10 HBW publishes selectable fee options. Always compare state contracts, caps, and service-fee terms for your ZIP before deciding.
They can offset repair costs for older systems and appliances, but value depends on the match between your home’s risks and the plan’s 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 (cost guide). Follow independent guidance like the BBB’s home warranty tips: read contracts carefully, confirm waiting periods and service-fee terms, and check complaint patterns and resolution practices before buying.
Methodology
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).
Pricing and Fees: Benchmarked typical annual premiums ($300–$800+) and per-visit fees ($75–$150) against current references (cost guide) and provider materials (ORHP; AHS; Cinch; AFC; 2-10).
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) (AHS; Cinch; AFC).
Customer Satisfaction Context: Cross-checked platform snapshots on Trustpilot, ConsumerAffairs, and BBB (letter grade and complaint data) with an emphasis on recency and complaint themes.
