Old Republic has the strongest BBB rating and some of the highest coverage caps in the industry — but it’s only available in 25 states. Here’s the full breakdown.

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Old Republic Home Protection (ORHP) has operated since 1974 — over 50 years in an industry where a lot of competitors have come and gone — and it shows in the numbers that matter most for trust: an A+ BBB rating held for more than two decades, a 5-star NerdWallet rating, and coverage caps on HVAC and appliances that rank among the highest of any provider in this comparison series. The trade-off is availability: ORHP operates in only 24–25 states plus Washington, D.C., so a large share of American homeowners simply can’t buy a plan, no matter how strong the numbers look.

Quick Facts

Founded	1974 (50+ years in business)
Availability	24–25 states + Washington, D.C. — confirm for your specific state
Plans	Basic, Deluxe, Elite (naming and exact inclusions vary somewhat by state)
Monthly premium	Reported roughly $45 – $92 depending on plan and service fee selection
Service fee	$75 – $150, your choice, affecting your monthly premium
HVAC / home systems cap	Up to $6,500 per system on Basic and Deluxe plans
Electrical repairs	Reported as uncapped by at least one source
Appliance cap	$3,500/item (Basic/Deluxe); $7,000/item on the Elite plan
Workmanship guarantee	30 days — shorter than several competitors
Response time	~48 hours standard; expedited to 24 hours for emergencies
BBB rating	A+ (accredited), held for 20+ years
Trustpilot	~4.1/5
NerdWallet rating	5 out of 5 stars

Plans Explained

Basic

Covers major home systems (heating, plumbing, electrical, water heater) and most kitchen appliances, with HVAC/system coverage up to $6,500 and appliance coverage up to $3,500/item.

Deluxe

Everything in Basic, plus air conditioning, washer and dryer coverage, and — notably — coverage for code violations encountered during a covered repair, an exclusion that catches a lot of buyers off guard with other providers (see Why Was My Home Warranty Claim Denied? Common Reasons).

Elite

The top tier, doubling appliance coverage from $3,500 to $7,000 per item, adding air conditioner/cooler coverage, and including a preseason HVAC tune-up — a proactive maintenance perk most competitors don’t offer as standard.

Note: as with several state-regulated providers, exact plan names, inclusions, and dollar limits can vary by state — always check your state-specific brochure rather than assuming national figures apply directly to you.

Coverage Caps: Among the Strongest in This Series

ORHP’s $6,500 HVAC cap is meaningfully higher than American Home Shield’s $5,000, and far above Choice Home Warranty’s $3,000 combined cap or Cinch’s $1,500 cap — making it one of the strongest options in this entire comparison series for homeowners specifically worried about a full system replacement. The $7,000/item appliance cap on the Elite plan is similarly near the top of the market, on par with First American’s Premium tier. At least one source also reports electrical repairs as uncapped entirely, though this is worth confirming for your specific state and plan.

The honest catch, per independent reporting: older appliances can see reduced payout limits, and the workmanship guarantee is notably short at just 30 days — a fraction of Cinch’s 180 days or Liberty Home Guard’s up to 365 days on select items. Strong caps on the front end don’t fully offset a short guarantee window if a repair fails shortly after the guarantee expires.

Pricing

Reported pricing ranges from roughly $45 to $92/month, with the entry-tier Basic plan commonly cited around $50–$55/month and the top-tier Elite plan starting around $80–$92/month. Service fees range from $75 to $150 per visit, and — like American Home Shield and AFC Home Club — you choose your fee tier at signup, trading a lower monthly premium for a higher per-visit cost or vice versa. ORHP periodically offers sign-up discounts in the range of $100 off, worth checking for at the time you get a quote.

Reputation: Strong Institutional Rating, With Real Nuance Underneath

ORHP’s A+ BBB rating, held for more than 20 years, is the strongest accreditation rating of any provider in this comparison series — notably stronger than American Home Shield’s B, Choice’s B, or Liberty Home Guard’s current “Not Rated” status. Trustpilot reviews (around 4.1/5) and testimonials generally echo this, with customers frequently citing friendly, professional service and timely repairs.

That said, it’s worth reading past the headline letter grade: at least one source notes that the BBB’s own internal review of complaints against ORHP highlights recurring issues with reimbursements and claims processing — a reminder that even the strongest-rated provider in an industry with structurally low margins for claims disputes isn’t complaint-free. Other commonly cited frustrations include long wait times reaching customer service by phone and, per Forbes Advisor, reimbursements for out-of-network repairs that can come in below what a customer actually paid out of pocket.

Pros and Cons

Pros	Cons
A+ BBB rating held for 20+ years — the strongest in this comparison series	Available in only 24–25 states + D.C.
$6,500 HVAC cap and up to $7,000/item appliance cap on Elite	30-day workmanship guarantee — shorter than several competitors
Choice of service fee tier, adjusting your monthly premium	No standalone appliances-only or systems-only plan
Preseason HVAC tune-up included on Elite	Emergency response time (24 hrs) isn’t meaningfully faster than standard
Creative add-ons (e.g., smartphone protection) some competitors don’t offer	BBB’s own internal review notes reimbursement/claims processing complaints
No own-contractor option	Direct-dispatch only, same as most major competitors

Who Old Republic Home Protection Is Best For

• Homeowners in a covered state who want the strongest institutional trust signal (A+ BBB, 50+ years in business) of any provider in this series
• Buyers with an aging HVAC system or high-value appliances, given the $6,500/$7,000 caps
• Anyone who wants flexibility in service fee selection to fine-tune their monthly premium

Who Should Consider a Different Provider

• Homeowners outside ORHP’s 24–25 state footprint — check availability before comparing further
• Anyone who wants a longer workmanship guarantee than 30 days — Cinch or Liberty Home Guard offer considerably more
• Buyers who want the option to choose their own contractor rather than a company-dispatched technician

The Verdict

Old Republic Home Protection is, on paper, one of the strongest providers in this entire comparison series: the highest BBB rating, some of the best coverage caps on HVAC and appliances, and a 50-year operating history that few competitors can match. The real limitation isn’t quality — it’s availability. If you live in one of ORHP’s 24–25 covered states, it’s genuinely worth prioritizing in your comparison, especially if your HVAC system is aging. If you’re outside its footprint, American Home Shield offers the closest combination of high coverage caps and nationwide availability among the providers covered in this series.

Frequently Asked Questions

Is Old Republic Home Protection available in my state? Only in 24–25 states plus Washington, D.C. — a notably smaller footprint than nationwide providers like American Home Shield. Confirm directly on ORHP’s site for your specific state.

What is Old Republic’s BBB rating? A+, held for more than 20 years — the strongest BBB rating of any provider covered in this review series.

What is Old Republic’s HVAC coverage cap? Up to $6,500 per system on the Basic and Deluxe plans, among the highest caps in the industry, with electrical repairs reported as uncapped by at least one source.

How long is Old Republic’s workmanship guarantee? 30 days — notably shorter than Cinch Home Services (180 days) or Liberty Home Guard (up to 365 days on select items).

Can I choose my own contractor with Old Republic? No. Like most major providers, ORHP operates a direct-dispatch model, assigning a technician from its own network.

Does Old Republic offer an appliances-only or systems-only plan? No — per Forbes Home, ORHP doesn’t offer standalone appliance-only or systems-only coverage the way some competitors do; its three tiers (Basic, Deluxe, Elite) build progressively toward comprehensive coverage.

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Related reading: Best Home Warranty Companies of 2026 (Ranked & Reviewed) · American Home Shield vs Choice Home Warranty: Which Is Better? · Is a Home Warranty Worth It in 2026?

Information in this review reflects publicly available pricing, coverage, and reputation data as of mid-2026, sourced from Old Republic Home Protection’s public plan documentation and third-party review platforms including the BBB, Trustpilot, and NerdWallet. Ratings, complaint volumes, and pricing change over time and by state — always verify current details directly with the provider before purchasing.