Quick answer: Old Republic Home Protection scores 4.0 out of 5 with us. The Arizona, California and Texas contracts we read set per-appliance limits from $3,000 to $7,000 depending on the plan, exclude known conditions that existed before the plan starts, and send disputes to binding arbitration. Its BBB profile is rated A+.
Old Republic Home Protection — HomeWarrantyScope Editorial Score
★★★★☆ 4.0/5
Contracts read: AZ 7.2 (12/2025), CA 7.1 (10/2024), TX 7.0 (11/2023) · BBB: A+, accredited
Score based on the published agreement and the BBB profile, both read in October 2026. Not a paid placement or customer survey.
What We Read for These Old Republic Home Warranty Reviews
These Old Republic home warranty reviews rest on the Arizona (AZ 7.2), California (CA 7.1) and Texas (TX 7.0) contracts published by Old Republic, which we read, and on the company BBB profile, which we checked in October 2026. We did not survey customers, and we were not paid to write this page.
One caveat matters. Our sample came from the real estate channel. A contract you buy directly may use different wording, so compare it with the points below before you sign.
Paste it into our free Contract Decoder to flag limits, exclusions, arbitration and pre-existing wording.
Check my contract →Old Republic Home Protection Coverage Limits in Our Review
Every one of the Old Republic home warranty reviews we compared starts with the same question: how much does the plan pay. The contracts we read list a limit for each appliance, and plan names and limits differ by state. That is the most the company pays on one covered appliance.
- Silver plan: $3,000 per appliance
- Gold plan: $5,000 per appliance
- Platinum plan: $7,000 per appliance
A refrigerator or oven repair rarely reaches $3,000. A full replacement of a high-end unit can come close, so the limit matters most for expensive appliances. See our guide to how much a home warranty costs for context on typical repair bills.
What Old Republic Does Not Cover
This is the point where many Old Republic home warranty reviews from customers turn negative. The agreement excludes malfunctions that existed before the plan effective date. That is common across the industry, but it catches many first-time buyers. Read our pre-existing condition guide before you file a first claim.
Do not assume an older system is covered just because nobody noticed a problem. Ask the company in writing how it treats an item that fails soon after the plan starts.
Cancelling Old Republic and Getting a Refund
If you cancel, the agreement we read gives a pro rata refund less any service costs, plus a $50 processing fee. Renewal is at the company discretion, so the company can decide not to renew.
For a step-by-step process across several companies, see how to cancel a home warranty.
Pro rata means the refund follows the unused part of your term. If you cancel partway through the year, you get back a share based on the time left, not the full price. The service costs and the $50 processing fee come out of that amount, so the refund is smaller than the unused share alone.
Cancellation terms are one of the most useful details in any Old Republic home warranty reviews, because they decide what you lose if you leave early. Send your cancellation request in writing and keep a copy with the date. Ask the company to confirm the refund amount before you cancel, so the deductions are not a surprise.
Disputes and Arbitration
Disputes go to binding arbitration under the agreement we read. That means you give up the option to sue in court for most claims. If that matters to you, compare it with other companies before you buy.
In binding arbitration, a neutral arbitrator decides the dispute instead of a judge or jury, and the decision is final in most cases. It can be faster than court, but you lose the right to appeal in most cases.
Arbitration is also the clause most Old Republic home warranty reviews skip. The sample we read does not let us confirm details such as who pays the arbitrator or where hearings take place. Check those lines in your own contract.
Old Republic BBB Rating and Reviews
The company has an A+ rating and is accredited on its Better Business Bureau profile. A strong BBB grade is useful, but it is not a promise about your own claim. We weigh it together with the contract.
Accreditation means the business applied to the BBB and agreed to its standards. The letter grade reflects how the BBB scores factors such as complaint history and how the company responded to complaints.
Any Old Republic home warranty reviews that quote a BBB grade should show the date they checked it. BBB grades change over time, so open the live profile before you buy. Look at the number of complaints and how the company answered them, not only the letter.
Old Republic Pros and Cons
| Point | Good for buyers | What the contract says |
|---|---|---|
| BBB A+ and accredited | ✓ | Strong complaint-handling record on BBB |
| Clear per-appliance limits | ✓ | $3,000 to $7,000 by plan |
| Pro rata refund on cancellation | ✓ | Less service costs |
| No fee when you cancel | ✗ | $50 processing fee applies after the first 30 days; in the first 30 days the refund is less service costs |
| Covers pre-existing conditions | ✗ | Excluded |
| Court access for disputes | ✗ | Binding arbitration |
| Guaranteed renewal | ✗ | Renewal is at company discretion |
The ✗ rows are not unusual for the industry, but they are the points that surprise buyers most. Check each one in your own contract before you pay.
Who Should Consider Old Republic Home Warranty
In our Old Republic home warranty reviews, the plan fits buyers who want published appliance limits and a company with a clean BBB record. It fits less well if you want pre-existing coverage, a no-fee exit, or the option to go to court.
Compare it with other companies in our best home warranty companies guide, and see our American Home Shield review and Cinch review for contract-based comparisons.
How Old Republic Compares With Other Companies
Most Old Republic home warranty reviews online rely on customer opinions. We compare contracts and BBB records instead, using the same method for every company. Here is where Old Republic sits next to four others we have scored.
| Company | Score | BBB A or higher |
|---|---|---|
| Old Republic Home Protection | 4.0 | ✓ |
| American Home Shield | 4.2 | ✗ |
| Cinch Home Services | 4.2 | ✓ |
| 2-10 Home Buyers Warranty | 4.0 | ✓ |
| AFC Home Club | 3.9 | ✗ |
The scores are close, so the contract details should decide your choice, not the number alone. Our scoring method explains how each score is built.
Questions to Ask Before You Sign
Use this list when you get your own Old Republic contract. It will make any Old Republic home warranty reviews you read easier to judge. Ask for the answers in writing.
- Which plan am I buying, and what is the exact limit for each appliance on that plan?
- What happens if an item fails soon after the plan starts?
- What is the service fee, and when do I pay it?
- What is the refund if I cancel in the first month, and what does the $50 processing fee cover?
- Will the plan renew, and can the company decline to renew?
- Can I choose my own technician, or does the company assign one?
If the answers are vague, treat that as a warning sign. A clear contract protects you more than a long list of covered items.
Is Old Republic Worth It?
For buyers who value written limits and a strong BBB record, the Old Republic home warranty reviews we found in the contract are mostly positive. The plan fits you best if your appliances are not already failing and you accept arbitration. If you want protection for existing problems, this agreement does not provide it, so budget for those repairs yourself.
Bottom Line
Across our Old Republic home warranty reviews of the contract, the company earns 4.0 out of 5. The limits are written down, the BBB profile is strong, and the main trade-offs are the pre-existing exclusion, the cancellation fee and arbitration. Confirm those terms in your own contract.
Our advice after these Old Republic home warranty reviews: read your own contract, confirm the plan limit, and decide whether you can live with arbitration and the cancellation fee. If you can, Old Republic is a reasonable choice at this score.
Old Republic Home Warranty Reviews: FAQ
Is Old Republic Home Protection a good home warranty?
Based on the agreement we read, it has clear per-appliance limits and an A+ BBB profile, which earns it a 4.0 out of 5. The limits are modest and the sample came from the real estate channel, so read your own contract before you buy.
How much does Old Republic cover per appliance?
In the Arizona, California and Texas contracts we read, per-appliance limits run from $3,000 to $7,000 depending on the plan. Plan names and limits differ by state, so check your own contract. Your own contract may differ.
Does Old Republic cover pre-existing conditions?
No. Malfunctions that existed before the plan effective date are not covered in the agreement we read.
Can I cancel an Old Republic plan?
Yes. Cancelling on your request brings a pro rata refund less service costs and a $50 processing fee, according to the agreement we read.
Does Old Republic require arbitration?
Yes. The agreement we read sends disputes to binding arbitration instead of court.