About Old Republic Home Protection

Founded in 1974 and based out of San Ramon, CA, Old Republic Home Protection provides comprehensive home warranty plans for the repair or replacement of major in-home systems. The company claims to be focused on customer satisfaction, and on being your “home warranty company for a lifetime.”

Even though Old Republic Home Protection has 701 closed complaints with the Better Business Bureau over the past three years, they still maintain an A+ rating. From a customer satisfaction standpoint, the company appears to have an overwhelmingly negative reputation, with the most common complaints citing contractors who are only concerned about getting their Trade Call Fee, as well as poor customer service.

Old Republic Home Protection Plans, Pricing, & Refund Policy

Similar to American Home Shield, Old Republic Home Protection sells a variety of home protection plans intended to provide parts, repair, and replacement coverage for some of the most common types of losses. Unlike AHS though, Old Republic’s home protection plans are covered on a “named peril”—versus “all risk”—basis. In other words, if something isn’t specifically listed in your Old Republic contract, it isn’t covered.

As the third largest national home warranty company, Old Republic Home Protection provides coverage in close to 30 states across the U.S., and pricing can vary by location. When performing our research, we chose Old Republic’s home state of California, and based our quote on a property less than 5,000 sqft, and that was a resale (e.g. not new construction).

Plans, all of which include a $60 Trade Call Fee, are as follows:

  • Standard – $275.00/year – Includes coverage for specific portions of your heating, plumbing, and electrical systems, including some appliances.
  • Ultimate Protection with A/C – $175.00/year – Everything included in the Standard package, with expanded coverage for in-home systems.
  • Ultimate Protection – No A/C - Includes Kitchen Refrigerator - $375.00/year – Same as above, without coverage for your A/C system, but with coverage for your kitchen refrigerator.
  • Platinum Protection with A/C – $450.00/year - Everything included in the Standard package, with expanded coverage for in-home systems.
  • Platinum Protection – No A/C - Includes Kitchen Refrigerator - $450.00/year - Everything included in the Platinum package, without coverage for your A/C system, but with coverage for your kitchen refrigerator.

Whichever plan you choose, you’ll also have the ability to add additional coverage for your A/C system (if not already included), swimming pool and spa equipment, roof leaks, septic tanks, and more. For a complete rundown of all programs and coverages, please click here.

All Old Republic polices last for 12 months, and will need to be manually renewed in order to continue coverage. However, rates are constantly fluctuating, so don’t be surprised to see your premium increase, even if you haven’t filed any claims. According to the company’s website, as your home’s major systems age, the likelihood of a malfunction increases, therefore necessitating an increase in your premium. In layman’s terms, this means that your first year’s premium will likely be your lowest, and will increase most years thereafter.

How Old Republic Home Protection Works

After deciding which Old Republic Home Protection plan works for you and completing your purchase, your coverage will go into effect. If one of your covered systems malfunctions, you’ll need to complete a 24/7 service request by calling the company directly at (800) 972-5985, or by submitting a request through their website. Unlike American Home Shield, it appears Old Republic Home Protection offers emergency service, should something malfunction outside of normal business hours.

Similar to American Home Shield, however, Old Republic Home Protection uses independent contractors that have been “carefully screened to meet our stringent service standards.” Once the contractor arrives at your home, you’ll be required to pay them the standard $60 Trade Call Fee, at which point they’ll assess the cause of the problem. Once found, and if it is something that’s covered under your specific Protection Plan, work will begin.

Like many other home warranty companies, there are hundreds of online complaints stating that contractors hired by Old Republic Home Protection are “bottom of the barrel.” In other words, they appear to be most interested in collecting their fee and moving on to the next customer, regardless of whether or not your problem was solved. It’s also important to note that Old Republic considers a claim “closed” if past 30 days. This means that even if the same problem reoccurs in the same part of a system that was previously repaired, you will be responsible for another Trade Call Fee. This has led many consumers to the conclusion that contractors have even less incentive to perform proper repairs.

Pros:

  • In business for more than 40 years.
  • Third largest national home warranty company, and operates in almost 30 states.
  • Several different plans that provide varying levels of coverage.
  • Claim to provide only high-quality contractors that are focused on customer satisfaction.

Cons:

  • Original rate is considered “introductory,” and will almost certainly increase upon renewal—even if you’ve never made a claim.
  • Coverage is provided on a named perils basis, which can be more confusing and restrictive than all-risk policies.
  • Almost all online complaints cite contractors who were more interested in getting paid than solving the underlying problem.
  • Many customers have expressed frustration after making numerous calls for the same problem, only to be subjected to Trade Call Fees each time.

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3 Customer Reviews for Old Republic Home Protection

Average Customer Rating: 1.0
Rating Snapshot:
5 stars: 0 4 stars: 0 3 stars: 0 2 stars: 0 1 stars: 3
Bottom Line: 0% would recommend it to a friend
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  • 1 out 1 people found this review helpful

    CROOKS

    This company is made up of a bunch of CROOKS, their intent is to take the money and provide no services. They have a half dozen class action lawsuits against them. With 1051 BBB complaints one would think that you people will start asking questions about the integrity of this company that you sell products for.

    Here is my story:

    We purchased a home warranty from ORHP when we purchased our home in Oct. 2015. On Sunday July 10th our toilets started to back up and would not flush, our shower drains were backing up as well. We called ORHP for service, they sent a referral for a plumbing company, we called the company and they said they could not help us on Sunday and that we had to wait until Monday.

    We told them that it was not acceptable, we called ORHP back, the customer service person told us if we could find someone that can do it on Sunday they would reimburse us, provided that the plumber calls them first. We found a plumber, he came and assessed the situation and called ORHP and gave them the estimate of $289.50 to clear the clogged main sewer line. He performed the work and said the line needs to be Hydro Jetted as it has buildup grease in it. On Monday we got an email from ORHP indicating that they will not honor their authorization given on Sunday and that they will only pay $255.65 for the initial service.

    After many phone calls and arguments we received a call from a so called superviser (Nahom). He claimed the service representative that gave the authorization made and error and that they will only pay $255.65. However as consolation he will send a plumber to Hydro Jet the main sewer line at no charge to us. I accepted and today (Wednesday) an ill qualified plumber from Economy Plumbing in Phoenix called saying that he has to first diagnose the problem and report back, I agreed. He did not even have the proper tools nor the length of the snake needed to diagnose the line, he found that the water is still building up and the flow is not clear, he said he will report that. Few minutes later ORHP called saying that the plumber told them he cleared the line and all is well. I told the representative exactly what the plumber had said, went out to get the plumber, but he had ran away. The representative told me if there is a problem in the sewer line they will not cover that and that there is nothing they can do for us from now on.

    Bottom Line: No, I would not recommend this to a friend

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  • 1 out 1 people found this review helpful

    Terrible Company

    • Sacramento, CA,
    • May 22, 2016

    Absolutely horrible company. I wish I could give negative stars. They lie to their clients, deny claims for unfounded reasons, and charge you fees when they don't do any work. And good luck asking them to prove anything they tell you. Tanisha in their Authorizations department told me to get a court order when I asked to see documentation from a plumber they sent to my home. And another big surprise is that despite the fact that my leaking shower drainpipe is fully covered, they found something else to deny my claim, which was totally unrelated to the problem.

    Don't trust them, and don't waste your money or time. If you still think Old Republic is a good company, look them up on the Consumer Affairs, and Better Business Bureau's websites. You will find complaint after compliant with the exact same stories as these on Yelp. I think it's a worthless company with unprofessional employees.

    Bottom Line: No, I would not recommend this to a friend

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  • 1 out 1 people found this review helpful

    This company LIES

    This company is the worst company I have ever used. "Old Republic Home Protection" has told me several LIES. The customer service reps are RUDE AND NASTY. I placed a service call on 1/15/16 and no one called and showed up to my home for two weeks. I have been on the phone with this company for weeks now. After I called about the service call, no one was planning to call me about the service call. On 1/24/2016, I was told several times by a service rep that if I call another local contractor to repair my appliance I will be reimbursed. I was called today by someone in the approval/reimburse department and told that I will not get a reimbursement. This person advised that I owe Old Republic Home Protection money. I talked to a manager and he said the same thing but advised I don't owe money. This company is the worst and needs to be reported to BBB. I would advise to everyone to never use this company. They are horrible!

    Bottom Line: No, I would not recommend this to a friend

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