Plans and contract version reviewed: Basic, Deluxe, Elite. Facts checked October 23, 2026. We did not perform first-hand testing of this provider's service unless stated.
Our assessment (editorial opinion)
Old Republic's 01/2026 sample contract sets $6,500 per-system heating and AC caps with no aggregate limit, and Deluxe and Elite include $500 and $1,000 allowances for code violations and permits, which can matter in older homes. In the default terms, the contract can't be cancelled at will.
Who it may suit, and who it may not
May suit
- Older homes where code or permit work is likely during HVAC or plumbing repairs (Deluxe or Elite)
- Homes with polybutylene plumbing, since pipe leaks including polybutylene are listed as covered
- Owners of higher-value appliances (Elite, $7,000 per appliance)
May not suit
- Anyone who wants to be able to cancel at any time; default terms are non-cancelable except listed reasons
- Homes needing AC coverage on the Basic tier without paying for the option
Plans at a glance
As published by Old Republic Home Protection in its plan pages and sample contract, checked October 23, 2026. Not a quote; your contract and state version control.
Basic
combination plan
- Includes
- Kitchen appliances (dishwasher, oven/range/cooktop, built-in microwave, refrigerator, exhaust fan, trash compactor), Electrical system and fans, Heating system and ductwork, Plumbing (pipes incl. polybutylene leaks, valves, stoppages, toilets, water heater, disposal), Central vacuum, Garage door opener, Rekey service
- Limits & caps
- Heating $6,500 per system; ductwork $1,000; appliances $3,500 each; refrigerant $20/lb; no aggregate limit (sample 7.2D)
- Service fee
- Trade Call Fee per dispatched request, per trade; due whether service is covered or denied; amount set at purchase
- Optional add-ons
- Air conditioner/cooler, Additional refrigerator/freezer, Enhanced slab leak/external plumbing, Limited roof leak repair, Pre-season HVAC tune-up, Septic pumping/systems/ejector pump, Pool/spa equipment, Water softener/RO filtration, Guest home up to 750 sq ft
Deluxe
combination plan
- Includes
- Everything in Basic, Air conditioner/cooler, Washer/dryer (one set), Faucets, showerheads, shower arms, Garage door hinges, springs, remotes, keypads
- Limits & caps
- Heating and AC $6,500 per system; appliances $3,500 each; code/haul-away/improper installation/permits $500; refrigerant $20/lb; no aggregate limit
- Service fee
- Trade Call Fee per dispatched request, per trade; due whether service is covered or denied; amount set at purchase
- Optional add-ons
- Additional refrigerator/freezer, Enhanced slab leak/external plumbing, Limited roof leak repair, Pre-season HVAC tune-up, Septic pumping/systems/ejector pump, Pool/spa equipment, Water softener/RO filtration, Guest home up to 750 sq ft
Elite
combination plan
- Includes
- Everything in Deluxe, Pre-season HVAC tune-up
- Limits & caps
- Heating and AC $6,500 per system; appliances $7,000 each; code/haul-away/improper installation/permits $1,000; refrigerant no limit; no aggregate limit
- Service fee
- Trade Call Fee per dispatched request, per trade; due whether service is covered or denied; amount set at purchase
- Optional add-ons
- Additional refrigerator/freezer, Enhanced slab leak/external plumbing, Limited roof leak repair, Septic pumping/systems/ejector pump, Pool/spa equipment, Water softener/RO filtration, Guest home up to 750 sq ft
Key contract terms
| Term | What the contract says | Contract wording |
|---|---|---|
| Code & permit upgrades | Deluxe $500, Elite $1,000; not on Basic | Correction of Code Violations, Haul Away, Improper Installation/Repair/Modification, Permits N/A $500 $1,000 |
| Unknown pre-existing issues | Malfunctions before the effective date excluded | Malfunctions pre-existing the Effective Date are not covered. |
| Cancellation | Non-cancelable except listed reasons (state rules vary) | This Plan Contract is non-cancelable, except for the following reasons: (1) nonpayment of fees; (2) Fraud ... (4) upon mutual agreement |
Trade-offs
- A separate Trade Call Fee applies for each trade dispatched, and it's due whether service is covered or denied.
- Cancellation, where allowed, deducts service costs and a $50 processing fee in default terms; some states have different terms.
- Refrigerant is limited to $20/lb except on Elite.
Availability
Old Republic says its plans are not available in all states and pricing varies by state; it does not list states on the plans page checked.
Sources
- Old Republic Home Warranty — homeowner plans
- ORHP sample homeowner coverage & plan contract 7.2D (01/2026) (PDF)
This page is general education, not legal, financial, or insurance advice. Home warranty terms vary by provider, plan, and state; the contract you sign controls what is covered. Spotted an error? Request a correction.
