Old Republic Home Protection | Home Warranty Blog

Is a Home Warranty Worth the Cost?

Written by Old Republic Home Protection | May 19, 2026 9:01:22 PM

Find out what reviews say about Old Republic. 

Purchasing, renewing, or replacing a home warranty is one of the most important financial decisions a homeowner can make.

Whether you are buying or selling a home, or have been in your house for many years, one question stands out: Is a home warranty worth the cost, or is it an unnecessary expense?

With so many options to sort through, real customer experiences can help you figure out which home warranty companies and plans deliver. ConsumerAffairs collects verified reviews from homeowners across the country, including more than 2,000 for Old Republic. The insights below highlight why reviewers chose Old Republic as their home warranty provider and what they value most about our service.

5 Reasons Homeowners Say an Old Republic Home Warranty Is Worth It

An analysis of approximately 2,000 recent reviews reveals several key patterns in customer feedback about Old Republic’s plans and services:

1. Real Savings on Expensive Home Repairs

A single HVAC repair can cost $1,500 to $5,000, causing homeowners to lose months or years' worth of savings in a matter of hours. Old Republic may help plan holders save thousands on covered HVAC repairs or replacements, appliance failures, and plumbing issues. Looking at the bigger picture, spending $45 to $90 per month ($540 to $1,080 annually) on an Old Republic home warranty plan may cost significantly less than many potential repair costs, at the same time providing added confidence for plan holders that a sudden large expense won’t blow their budget.

2. Fast and Simple Service Request Process

Plan holders from other home warranty companies frequently report long wait times and a confusing claims process. Nearly 50 Old Republic reviews mention receiving covered services within 3 days, and many also say they were surprised by how smooth the service request process was. Reviewers said the covered service was fast and easy to access, which may be due to Old Republic coordinating directly with independent service providers rather than requiring homeowners to find their own contractors.

3. Coverage for the Systems that Break Down Most Often

According to recent home warranty statistics, 46% of homeowners reported an unexpected home issue in the past year, with HVAC systems being the most commonly impacted. Over 200 customers who left reviews were satisfied with Old Republic’s ability to handle common HVAC repairs. Many others also mentioned that they’ve used the service several times over the past few years.

4. Strong Value for Older Homes and Aging Appliances

Customers with older homes find Old Republic home warranty plans especially beneficial, helping them get their money’s worth for homes that might otherwise be an unpredictable investment. This is especially true for homes with appliances that are over 15 years old. Many reviewers said the coverage felt more valuable over time, especially as their homes and appliances aged.

5. Many Homeowners Switch to Old Republic and Stay

Over 230 reviewers said that they would recommend an Old Republic home warranty plan to a friend, with one noting that they “switched from another very large company after a less than stellar customer experience” and wished they’d known about Old Republic home warranty plans sooner. Reviews also point to frequent referrals from REALTORS® and family members, suggesting many customers come to Old Republic through recommendations and choose to stick with it.

What to know before choosing a home warranty plan

Before you invest in a home warranty, consider these important factors:

  • Check state availability: Home warranty companies have different coverage areas. For example, Old Republic offers home warranty plans in 25 states and the District of Columbia, including:
    •  Alabama •  Louisiana •  Oregon
    •  Arizona •  Maryland •  South Carolina
    •  Arkansas •  Mississippi •  Tennessee
    •  California •  Missouri •  Texas
    •  Florida •  Nevada •  Utah
    •  Georgia •  New Mexico •  Virginia
    •  Idaho •  North Carolina •  Washington
    •  Kansas •  Ohio  
    •  Kentucky •  Oklahoma  

  • Review plan coverage details: Old Republic offers three distinct home warranty plans to current homeowners at different price points and with unique coverage options—Basic, Deluxe, and Elite. You can also add various optional coverage choices to your selected plan at the time of purchase. If you are buying or selling a home, view real estate plans here.

    The Basic plan is the most affordable option. It covers several systems and kitchen appliances but excludes some items, such as washers and dryers, and air conditioning systems. Conversely, the Elite home warranty plans cover extra appliances and air conditioning systems. As a homeowner, you’ll want to weigh monthly expenses against the type, cost, and age of systems throughout your home.

  • Consider the claims process: Investigate how easy it is to submit a service request and how quickly service is provided. Old Republic customer reviews frequently mention shorter wait times and the convenience of submitting requests online, with many customers reporting that a technician arrived within 3 days.

  • Check coverage limits for high-value appliances: Check the appliance limits on each specific plan to make sure your needs are covered. For example, the Elite plan covers appliances up to $7,000 each, which may be high enough to cover repair and/or replacement costs for many appliances.

Why Choose Old Republic for Your Home Warranty Needs?

For many ConsumerAffairs reviewers, an Old Republic home warranty is worth the investment. This is especially true for plan holders who own older appliances or live in older homes.

Some reviewers referenced the monthly coverage cost (from $40 to $104, depending on the state-specific plan) alongside the higher cost of unexpected repairs, such as HVAC issues, when describing their experiences. Reviews also positively noted Old Republic’s fast service, smooth service request process, and reliable contractor coordination. Many Old Republic reviewers reported that the plan pays for itself many times over, and that they've come to see it as a nonnegotiable part of homeownership.

Any references to non-Old Republic websites are provided solely for convenience, and Old Republic disclaims any responsibility with respect thereto. Reference to any specific brand, product, or service does not constitute endorsement by Old Republic. Old Republic does not receive compensation for providing third-party links.