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Old Republic Home Protection Review

In case you are looking for a comprehensive Old Republic Home Protection review, you have come to the right place. This review is based on detailed research of the company, which is also known as ORHP,  from multiple information sources, including customer reviews from several consumer reporting sites, such as Google Reviews, Yelp, and My 3 Cents. ReviewHomeWarranties.com meticulously analyzed the company’s terms and conditions and highlighted the most important points of the Old Republic home warranty plans in this review.

Below .you will find information on the company’s trustworthiness and reputation, coverage and accessibility, plan cost and deductibles, as well as the analysis of customer reviews

Official website:
Old Republic Home Protection Reviews by Our Readers
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Covered States
Hawaii Alaska Florida New Hampshire Michigan Vermont Maine Rhode Island New York Pennsylvania New Jersey Delaware Maryland Virginia West Virginia Ohio Indiana Illinois Connecticut Wisconsin North Carolina District of Columbia Massachusetts Tennessee Arkansas Missouri Georgia South Carolina Kentucky Alabama Louisiana Mississippi Iowa Minnesota Oklahoma Texas New Mexico Kansas Nebraska South Dakota North Dakota Wyoming Montana Colorado Idaho Utah Arizona Nevada Oregon Washington California
Pros And Cons
  • Large number of homeowners
  • Vast social media presence
  • Large selection of plans (5)
  • Short repair timeframe
  • Item replacement up to $ 1.1108408479

  • Tricky terms and conditions
  • Higher chance of payment delays
  • Higher chance of claim denial
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Covered Appliances and Systems
  • Icon
view more
Air conditioner
Covered by Standard Plan, Ultimate Protection Plan, Platinum Protection Plan, New Construction Standard Plan, New Construction Ultimate Plan (up to $1,500.00)
Heating system
Covered by Standard Plan, Ultimate Protection Plan, Platinum Protection Plan, New Construction Standard Plan, New Construction Ultimate Plan (up to $1,500.00)
Ductwork
Covered by Standard Plan, Ultimate Protection Plan, Platinum Protection Plan, New Construction Standard Plan, New Construction Ultimate Plan (up to $1,500.00)
Humidifier
Not covered
Air cleaner
Not covered
Vacuum
Covered by Standard Plan, Ultimate Protection Plan, Platinum Protection Plan, New Construction Standard Plan, New Construction Ultimate Plan
Refrigerator
Covered as optional (up to $2,500.00)
Refrigerator ice maker
Covered as optional (up to $2,500.00)
Free-standing ice maker
Covered as optional (up to $1,000.00)
Wine refrigerator
Covered as optional (up to $1,000.00)
Stand-alone freezer
Covered as optional (up to $1,000.00)
Microwave
Covered by Standard Plan, Ultimate Protection Plan, Platinum Protection Plan, New Construction Standard Plan, New Construction Ultimate Plan
Oven
Covered by Standard Plan, Ultimate Protection Plan, Platinum Protection Plan, New Construction Standard Plan, New Construction Ultimate Plan
Dishwasher
Covered by Standard Plan, Ultimate Protection Plan, Platinum Protection Plan, New Construction Standard Plan, New Construction Ultimate Plan
Water dispenser
Covered by Standard Plan, Ultimate Protection Plan, Platinum Protection Plan, New Construction Standard Plan, New Construction Ultimate Plan
Trash compactor
Covered by Standard Plan, Ultimate Protection Plan, Platinum Protection Plan, New Construction Standard Plan, New Construction Ultimate Plan
Disposal
Covered by Standard Plan, Ultimate Protection Plan, Platinum Protection Plan, New Construction Standard Plan, New Construction Ultimate Plan
Cooktop exhaust fan
Covered by Standard Plan, Ultimate Protection Plan, Platinum Protection Plan, New Construction Standard Plan, New Construction Ultimate Plan
Ceiling fan
Covered by Standard Plan, Ultimate Protection Plan, Platinum Protection Plan, New Construction Standard Plan, New Construction Ultimate Plan
Attic fans
Covered by Standard Plan, Ultimate Protection Plan, Platinum Protection Plan, New Construction Standard Plan, New Construction Ultimate Plan
Bath exhaust fan
Covered by Standard Plan, Ultimate Protection Plan, Platinum Protection Plan, New Construction Standard Plan, New Construction Ultimate Plan
Whole house fan
Covered by Standard Plan, Ultimate Protection Plan, Platinum Protection Plan, New Construction Standard Plan, New Construction Ultimate Plan
Washer
Covered as optional
Dryer
Covered as optional
Plumbing
Covered by Standard Plan, Ultimate Protection Plan, Platinum Protection Plan, New Construction Standard Plan, New Construction Ultimate Plan (up to $500.00)
Plumbing stoppages
Covered by Standard Plan, Ultimate Protection Plan, Platinum Protection Plan, New Construction Standard Plan, New Construction Ultimate Plan (up to $500.00)
Water heater
Covered by Standard Plan, Ultimate Protection Plan, Platinum Protection Plan, New Construction Standard Plan, New Construction Ultimate Plan (up to $1,500.00)
Water purification
Not covered
Water softener
Covered as optional (up to $500.00)
Well pump
Covered as optional (up to $1,500.00)
Toilet
Covered by Standard Plan, Ultimate Protection Plan, Platinum Protection Plan, New Construction Standard Plan, New Construction Ultimate Plan (up to $600.00)
Septic
Covered as optional (up to $500.00)
Sump pump
Covered by Standard Plan, Ultimate Protection Plan, Platinum Protection Plan, New Construction Standard Plan, New Construction Ultimate Plan
Septic tank pumping
Not covered
Outside sewer line
Not covered
Outside water line
Covered as optional (up to $2,000.00)
Electrical
Covered by Standard Plan, Ultimate Protection Plan, Platinum Protection Plan, New Construction Standard Plan, New Construction Ultimate Plan
Generator
Not covered
Garage door
Covered by Standard Plan, Ultimate Protection Plan, Platinum Protection Plan, New Construction Standard Plan, New Construction Ultimate Plan
Doorbell
Not covered
Alarm
Not covered
Outside electrical line
Not covered
Outside gas line
Covered as optional (up to $2,000.00)
Pool
Covered as optional (up to $1,500.00)
Spa
Covered as optional (up to $1,500.00)
Pests
Not covered
Sprinkler
Not covered
Roof leaks
Covered as optional (up to $1,000.00)
our overall rating 74.20%
Updated for Jun 13, 2019
Facts and Figures
  • Effective in30 days
  • Hours 24/7
  • Cancellation$50
  • Premium $149 - $650
  • Deductible$75
  • Limits$250 - $1,500
Ratings
  • Trustworthiness:
  • Plans and Coverage:
  • Feedback:
  • The Fine Print:
  • Promotions:
  • Editor Rating:
  • Reader Rating:
Not available through RHW
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Our Top-Rated Alternatives to Old Republic Home Protection

  # 1 Select Home Warranty
Editorial Rating 98.5
  • 24/7 service calls
  • Great annual promotions
  • Good selection of plans
  • High contractor professionalism
  • Quick replacement payments
  • First 30 days: Free cancellation
  # 2 Choice Home Warranty
Editorial Rating 96.8
  • 24/7 service calls
  • Market veteran
  • Large and established firm
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 3 First American Home Warranty
Editorial Rating 93.1
  • 24/7 service calls
  • Market veteran
  • Large and established firm
  • Excellent BBB rating B+
  • Accredited by BBB
  • Low optional coverage costs
Editorial Notes

Old Republic Home Protection (ORHP) is one of the oldest companies on the home warranty market. Established in 1974, the company has been providing excellent service to customers in 24 states, including California, Washington, Arizona, Texas, Ohio, Virginia, and Florida.

ReviewHomeWarranties has collected and analyzed multiple Old Republic Home Protection home warranty reviews on consumer reporting sites. Customers are happy with the round-the-clock emergency service availability and free reservice in case the repair fails. However, Google reviews of Old Republic home warranty are low because the clients find the terms and conditions tricky. Old Republic home warranty is BBB accredited and boasts a high rating of A+. Old Republic Home Protection has been nominated for home warranty insurance awards in 2019 and received a medal in the Most Extensive Coverage category.

In this review, we will guide you through the most important items in the company’s policy, including the fine print. You will see how ORHP stands compared to the industry average. We encourage you to read this Old Republic Home Protection review and advertiser disclosure in full. This information will help you to make an educated decision regarding signing a contract with this company. Old Republic home warranty application is available online.

Summary rating:
Value for money:
Average
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Trustworthiness

One of the clearest indications of a company’s trustworthiness and credibility is its age. Old Republic Home Protection was established more than forty years ago when the home warranty market had just emerged and has been successfully serving customers across the USA ever since.

Legal
Ownership
Old Republic Home Protection Company, Inc.; Old Republic International Corporation
Established
1974
CEO
Gwen Gallagher, President
Registered in
San Ramon, CA
Address
P.O. Box 5017 San Ramon, CA 94583-0917
Available states
Alabama, Arizona, California, Florida, Georgia, Idaho, Kansas, Kentucky, Louisiana, Maryland, Missouri, Nevada, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, District of Columbia
Type of company (private, public)
Private
Mediation and arbitration bodies
Disputes are resolved in the county court of the customer's address

Currently, Old Republic Home Protection Company, Inc. is headquartered in San Ramon, California. In case there are any disputes that cannot be resolved at a customer service level, they can be elevated to the county court of the customer’s address.

Accessibility
How to contact
Main page >> Contact us
Online chat
No
Social media

Another good indicator of the ORHP's trustworthiness is how accessible it is. Old Republic home warranty’s customer service representatives are available 24 hours a day, 7 days a week. Unfortunately, there is no online chat available, but you can get a free estimate online by filling out the contact form. Additionally, the company has an account on Facebook so representatives can be contacted via Messenger. ORHP phone number is available on the company's website and may vary by state.

Benchmarks
Old Republic Home Protection
Other companies
Company size
550
0
1,650
Annual revenue
$209,000,000
0
$1,276,000,000
Number of homeowners
400,000
0
2,200,000
Number of BBB complaints closed within last 3 years
729
0
12,770
Traffic
45,600
0
383,900
Number of independent contractors
No data
0
44,000
Reputation
BBB accreditation
A+ (Accredited)

Old Republic home warranty’s BBB rating is A+, which is one of the best indicators of the company’s trustworthiness.

Trustworthiness Rating
4.6 / 5.0
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Coverage

Old Republic home warranty plans include Standard Coverage, Ultimate Coverage, Platinum Protection, and optional add-ons. The company’s prices are very affordable. Standard Coverage starts at $350 per year for a condo, mobile home or a townhome, $395 for a single-family house, and includes a variety of home appliances and systems listed below. This plan will work the best for first-time homeowners who would like to try a home warranty to see how it works.

In addition to the items covered under the Standard plan, the Old Republic home warranty Ultimate protection plan coverage includes code upgrades and cranes. On top of that, the Platinum plan offers increased coverage for HVAC systems, plumbing, stoppages, and modifications with code upgrades, i.e., it covers more items for each system compared to the Standard plan.

Optional coverage that is available to homebuyers only includes swimming pool and spa, washer and dryer, kitchen refrigerator, well pump, limited room repair, and more items listed in the table below. You can browse through Old Republic home warranty plan details by clicking on the “expand” button.

One of the special features mentioned in many reviews of Old Republic Home Warranty is their New Construction plans. The company offers New Construction Standard Coverage for years 1-4 or 2-5, and New Construction Ultimate Protection plan for the same time period.

Summary of plans and coverage:
+ more plans
Coverage Term
Service Call Fee
Items
Limit
Gold Combo Plan
Silver Combo Plan
Platinum Combo Plan
Optional Coverage
Premium Amount
$495.00
$395.00
$650.00
$45.00 - $180.00
 
Coverage
$500.00 - $2,500.00
77%
77%
77%
28%
Coverage details
Air conditioner
$1,500.00
Details
Covered by ORHP
  • Central air conditioner
  • Wall or through the wall air conditioner and evaporator cooler (including primary drain pan)
  • Condenser (including compressor)
  • Evaporator coil/air handler
  • Thermostat
  • Accessible refrigerant lines
  • Leaks or stoppages in accessible condensate drain lines
  • Metering device (e.g. evaporator coil piston or thermal expansion valve)
  • Coverage is available for cooling systems with capacity not exceeding five (5) tons per unit
  • There is no limit to the number of covered air conditioning units
Not Covered by ORHP
  • Gas air conditioning units
  • Portable units
  • Zoning controls and respective equipment
  • Window units
  • Cooler pads
  • Secondary drain pan
  • Mini-split ductless systems
  • Use of cranes or other lifting equipment to repair or replace units/system components
  • Chillers and respective equipment
  • Condensate drain pump
  • Failures caused as a direct result of previous sealant or alternative refrigerant use
  • Inaccessible refrigerant/condensate lines
  • Refrigerant recapture, reclaim and disposal
Attic fans
-
Details
Covered by ORHP
No Info
Not Covered by ORHP
No Info
Bath exhaust fan
-
Details
Covered by ORHP
No Info
Not Covered by ORHP
No Info
Ceiling fan
-
Details
Covered by ORHP
No Info
Not Covered by ORHP
No Info
Cooktop exhaust fan
-
Details
Covered by ORHP
  • All components that affect the exhaust operation of the unit, including motor, selector switch
  • and fan
Not Covered by ORHP
No Info
Dishwasher
-
Details
Covered by ORHP
  • All components that affect the cleaning operation of the unit, including the pump, motor,
  • gasket, tub, timer, fill valve, seal, door latch, air gap, control board and touch pad
Not Covered by ORHP
  • Detachable components
  • Baskets
  • Dials
  • Knobs
  • Handles
  • Door glass
Disposal
-
Details
Covered by ORHP
No Info
Not Covered by ORHP
No Info
Ductwork
$1,500.00
Details
Covered by ORHP
  • Primary gas, oil, or electric heating system
  • Built-in wall or floor heater
  • Heat pump
  • Thermostat
  • Ductwork
  • Accessible heat pump refrigerant lines
  • Leaks or stoppages in accessible condensate drain lines
  • Coverage is available for heating systems with capacity not exceeding five (5) tons per unit
  • There is no limit to the number of covered heating units
Not Covered by ORHP
  • Timers/clocks that do not affect the heating/cooling operation of the unit
  • Vents
  • Flues
  • Fuel storage tanks
  • Freestanding/window units
  • Cable heat
  • Zoning controls and respective equipment
  • Secondary drain pan
  • Insulation
  • Dampers
  • Filters
  • Diagnostic testing of or locating leaks in ductwork (as required by any federal, state or local regulation, or when required due to the installation or replacement of system equipment)
  • Fireplaces and key valves
  • Grain, wood, or pellet stoves (even if primary source of heat)
  • Mini-split ductless systems
  • Use of cranes or other lifting equipment to repair or replace units/system components
  • Electronic air filters/cleaners
  • Humidifiers and respective equipment
  • Chillers and respective equipment
  • Condensate drain pump
  • Inaccessible heat pump refrigerant/ condensate lines
Electrical
-
Details
Covered by ORHP
  • Light Switches
  • Electrical Outlets
  • Main Electrical Panel/Sub Panel
  • Meter Base/Socket/ Pedestal
  • Breakers
  • Fuses and Interior Wiring
  • Bath Exhaust Fans
  • Ceiling Fans
  • Attic Fans
  • Whole House Fans
Not Covered by ORHP
  • Light fixtures, including those on ceiling fans
  • Bulbs
  • Ballasts
  • Heat lamps
  • Doorbells
  • Telephone, audio, video, computer, intercom, and alarm security wiring and systems
  • Low voltage relay systems
  • Smoke detectors
  • Inadequate wiring capacity
  • Power surges
  • Overload
  • Remote controls
  • Vents
  • Light sockets
Garage door
-
Details
Covered by ORHP
  • All components that affect the opening and closing function of the Opener Unit, including
  • motor, logic board, gear assembly, capacitor, rail assembly, sensors
Not Covered by ORHP
  • Garage doors
  • Hinges
  • Springs
  • Remote transmitters
  • Keypads
  • Light sockets
  • Door cables
  • Battery back up
  • Balancing the door
  • Rollers
Heating system
$1,500.00
Details
Covered by ORHP
  • Primary gas, oil, or electric heating system
  • Built-in wall or floor heater
  • Heat pump
  • Thermostat
  • Ductwork
  • Accessible heat pump refrigerant lines
  • Leaks or stoppages in accessible condensate drain lines
  • Coverage is available for heating systems with capacity not exceeding five (5) tons per unit
  • There is no limit to the number of covered heating units
Not Covered by ORHP
  • Timers/clocks that do not affect the heating/cooling operation of the unit
  • Vents
  • Flues
  • Fuel storage tanks
  • Freestanding/window units
  • Cable heat
  • Zoning controls and respective equipment
  • Secondary drain pan
  • Insulation
  • Dampers
  • Filters
  • Diagnostic testing of or locating leaks in ductwork (as required by any federal, state or local regulation, or when required due to the installation or replacement of system equipment)
  • Fireplaces and key valves
  • Grain, wood, or pellet stoves (even if primary source of heat)
  • Mini-split ductless systems
  • Use of cranes or other lifting equipment to repair or replace units/system components
  • Electronic air filters/cleaners
  • Humidifiers and respective equipment
  • Chillers and respective equipment
  • Condensate drain pump
  • Inaccessible heat pump refrigerant/ condensate lines
Locksmith
-
Details
Covered by ORHP
  • Rekey up to 6 key holes (including deadbolts) and provide 4 copies of the key
Not Covered by ORHP
  • Replacement of deadbolts, knobs or associated hardware, broken or
  • damaged locks
  • Padlocks
  • Gate, window, file cabinet, safe, desk or mailbox locks
  • any other services provided by a locksmith
Microwave
-
Details
Covered by ORHP
  • All components that affect the heating/cleaning operation of the unit, including heating
  • element, thermostat, burner, control board and touch pad
  • Timer and clock are covered if they affect the heating or cleaning of the unit
Not Covered by ORHP
  • Timers
  • Clocks
  • Halogen unit
  • Magnetic induction unit
  • Refrigerator/oven combination unit
  • Microwave/cooktop drawer combination unit
  • Portable or freestanding microwave
  • Sense-heat burners
Oven
-
Details
Covered by ORHP
  • All components that affect the heating/cleaning operation of the unit, including heating
  • element, thermostat, burner, control board and touch pad
  • Timer and clock are covered if they affect the heating or cleaning of the unit
Not Covered by ORHP
  • Timers
  • Clocks
  • Halogen unit
  • Magnetic induction unit
  • Refrigerator/oven combination unit
  • Microwave/cooktop drawer combination unit
  • Portable or freestanding microwave
  • Sense-heat burners
Plumbing
$500.00
Details
Covered by ORHP
  • Drain line Stoppages which can be cleared with sewer cable through an accessible, existing ground level cleanout (main line) or removable p-trap (branch line), or with hydrojetting if stoppage is unable to be cleared with sewer cable (unless stoppage is due to roots)
  • Water, Drain, Gas, or Sewer Vent Pipe Leaks or Breaks (including Polybutylene)
  • Toilet Tanks, Bowls, Flushing Mechanisms and Wax Ring Seals
  • Water Heater (including tankless, power vent, and direct vent unit)
  • Built-in Jetted Bathtub Motor, Pump and Air Switch Assemblies
  • Shower and Bathtub Valves, including Diverter Valves
  • Recirculating Pump
  • Instant Hot/Cold Water Dispenser
  • Garbage Disposal
  • Risers
  • Stop & Waste Valves
  • Angle Stops and Gate Valves
  • Water Pressure Regulator
  • Sump Pump (for ground water only)
Not Covered by ORHP
  • Fixtures
  • Faucets
  • Roman tub valves/faucets
  • Showerheads, handles, arms
  • Hose bibs
  • Multi-valve manifolds and other attachments to pipes
  • Gas log lighter
  • Toilet lids and seats
  • Water heater vents and flues
  • Shower pans
  • Stoppages due to roots
  • Leaks/damage caused by roots
  • Stoppages that cannot be cleared with cable or hydro jetting
  • Flow restrictions in fresh water lines
  • Water heater heat pump attachment
  • Holding, storage or expansion tanks
  • Bathtub jets
  • Tub spout or tub spout diverter
  • Shower towers
  • Thermostatic valves
  • Spray arms
  • Basket strainer
  • Fire suppression systems
  • Pop-up assemblies
  • Noises or odors without a related malfunction
  • Caulking or grouting
  • Inadequate or excessive water pressure
  • In the event of a stoppage: access to drain lines from vent, removal of toilet, costs to locate, access or install a ground level clean-out
Plumbing stoppages
$500.00
Details
Covered by ORHP
No Info
Not Covered by ORHP
No Info
Sump pump
-
Details
Covered by ORHP
No Info
Not Covered by ORHP
No Info
Toilet
$600.00
Details
Covered by ORHP
No Info
Not Covered by ORHP
No Info
Trash compactor
-
Details
Covered by ORHP
  • All components that affect the compacting operation of the unit, including motor, ram
  • assembly switch and door latch
Not Covered by ORHP
  • Trash compactor buckets
  • Handles
Vacuum
-
Details
Covered by ORHP
  • Power unit, including motor and electrical components
  • Dirt canister
Not Covered by ORHP
  • Attachments
  • Removable components
  • Accessories
  • Hoses
  • Vents
  • Stoppages
Water dispenser
-
Details
Covered by ORHP
No Info
Not Covered by ORHP
No Info
Water heater
$1,500.00
Details
Covered by ORHP
No Info
Not Covered by ORHP
No Info
Whole house fan
-
Details
Covered by ORHP
No Info
Not Covered by ORHP
No Info
Pool
$1,500.00
$180.00
Details
Covered by ORHP
  • Above ground level and accessible working parts and components of heating and filtration system
  • Heater, motor, filter, filter timer, diatomaceous filter grid
  • Pump, gaskets, timer, backwash/flush/check valve
  • Pool sweep motor and pump/booster pump
  • Above ground plumbing pipes and wiring, control panel
  • Spa blower, salt water circuit board and cell
Not Covered by ORHP
  • Remote control panel and switches
  • Air switches
  • Water chemistry control equipment and materials (e.g. chlorinators, ionizers, ozonators, etc.)
  • Disposable filtration mediums (sand, diatomaceous earth, filter cartridges, etc.)
  • Skimmer
  • Heat pump
  • Valve actuator motor
  • Salt
  • Cleaning equipment including pop-up heads, turbo valves, creepy crawlers and the like
  • Swim jet/resistance pool and respective equipment
  • Damage or failure because of chemical imbalance
  • Underground water, gas, and electrical lines
  • Lights, jets
  • Ornamental fountain motors and pumps
  • Power center
  • Electronic or computerized control boards that are part of a remote or automated management system (e.g. Aqua link, Compel, or the like) and any respective equipment
  • Liners
  • Overflow/negative edge/infinity pool motor and pump
Spa
$1,500.00
$180.00
Details
Covered by ORHP
  • Above ground level and accessible working parts and components of heating and filtration system
  • Heater, motor, filter, filter timer, diatomaceous filter grid
  • Pump, gaskets, timer, backwash/flush/check valve
  • Pool sweep motor and pump/booster pump
  • Above ground plumbing pipes and wiring, control panel
  • Spa blower, salt water circuit board and cell
Not Covered by ORHP
  • Remote control panel and switches
  • Air switches
  • Water chemistry control equipment and materials (e.g. chlorinators, ionizers, ozonators, etc.)
  • Disposable filtration mediums (sand, diatomaceous earth, filter cartridges, etc.)
  • Skimmer
  • Heat pump
  • Valve actuator motor
  • Salt
  • Cleaning equipment including pop-up heads, turbo valves, creepy crawlers and the like
  • Swim jet/resistance pool and respective equipment
  • Damage or failure because of chemical imbalance
  • Underground water, gas, and electrical lines
  • Lights, jets
  • Ornamental fountain motors and pumps
  • Power center
  • Electronic or computerized control boards that are part of a remote or automated management system (e.g. Aqua link, Compel, or the like) and any respective equipment
  • Liners
  • Overflow/negative edge/infinity pool motor and pump
Saltwater pool
$1,500.00
$180.00
Details
Covered by ORHP
  • Above ground level and accessible working parts and components of heating and filtration system
  • Heater, motor, filter, filter timer, diatomaceous filter grid
  • Pump, gaskets, timer, backwash/flush/check valve
  • Pool sweep motor and pump/booster pump
  • Above ground plumbing pipes and wiring, control panel
  • Spa blower, salt water circuit board and cell
Not Covered by ORHP
  • Remote control panel and switches
  • Air switches
  • Water chemistry control equipment and materials (e.g. chlorinators, ionizers, ozonators, etc.)
  • Disposable filtration mediums (sand, diatomaceous earth, filter cartridges, etc.)
  • Skimmer
  • Heat pump
  • Valve actuator motor
  • Salt
  • Cleaning equipment including pop-up heads, turbo valves, creepy crawlers and the like
  • Swim jet/resistance pool and respective equipment
  • Damage or failure because of chemical imbalance
  • Underground water, gas, and electrical lines
  • Lights, jets
  • Ornamental fountain motors and pumps
  • Power center
  • Electronic or computerized control boards that are part of a remote or automated management system (e.g. Aqua link, Compel, or the like) and any respective equipment
  • Liners
  • Overflow/negative edge/infinity pool motor and pump
Roof leaks
$1,000.00
$100.00
Details
Covered by ORHP
  • The repair of specific leaks that occur in the roof located over the occupied living area of the main dwelling (excluding garage), provided the leaks are the result of rain and/or normal wear and deterioration and the roof was watertight and in good condition on the effective date of the Plan
Not Covered by ORHP
  • Gutters
  • Drain lines
  • Flashing
  • Skylights
  • Patio covers
  • Scuppers
  • Glass
  • Sheet metal
  • Roof mounted installations
  • Leaks that occur in a deck or balcony when deck or balcony serves as the roof of the structure below
  • Leaks that result from or that are caused by roof mounted installations
  • Improper construction or repairs
  • Missing or broken roof shingles or tiles
  • Damage caused by persons walking or standing on the roof
  • Failure to perform normal maintenance to roof and gutters
  • Improper installation
  • Leaks manifested prior to the effective date of the Plan
Well pump
$1,500.00
$100.00
Details
Covered by ORHP
  • Pump servicing only the home or other structure covered by us
  • Domestic use only
  • One well pump per Plan.
Not Covered by ORHP
  • Control boxes
  • Pressure switches
  • Capacitors or relays
  • Cost of locating pump
  • Pumps that service more than one residence
Outside gas line
$2,000.00
$100.00
Details
Covered by ORHP
  • Provide coverage up to $1,000 for external pipe leaks located outside the foundation of the covered structure, including water, gas and drain lines that service only the main home or other structure covered by us. Repair or replace exterior hose bibbs and main shut off valve
  • Increase the Standard Plan limit per Plan Term by $1,000 for the repair/replacement of plumbing pipe leaks in water, drain or gas lines located under, encased in, or covered by, concrete that are located within the interior of the main foundation of the home and garage (inside the load-bearing walls of the structure)
Not Covered by ORHP
  • Faucets
  • Sprinkler/irrigation systems
  • Swimming pool/built s in pool piping
  • Downspout
  • Landscape drain lines
  • Damage due to roots
Icon
Outside water line
$2,000.00
$100.00
Details
Covered by ORHP
  • Provide coverage up to $1,000 for external pipe leaks located outside the foundation of the covered structure, including water, gas and drain lines that service only the main home or other structure covered by us. Repair or replace exterior hose bibbs and main shut off valve
  • Increase the Standard Plan limit per Plan Term by $1,000 for the repair/replacement of plumbing pipe leaks in water, drain or gas lines located under, encased in, or covered by, concrete that are located within the interior of the main foundation of the home and garage (inside the load-bearing walls of the structure)
Not Covered by ORHP
  • Faucets
  • Sprinkler/irrigation systems
  • Swimming pool/built s in pool piping
  • Downspout
  • Landscape drain lines
  • Damage due to roots
Water softener
$500.00
$75.00
Details
Covered by ORHP
  • Water Softener/Reverse Osmosis system (for drinking water) and their respective equipment
Not Covered by ORHP
  • Leased or rented units
  • All treatment, purification, odor control, iron filtration components and systems
  • Discharge drywells
  • Resin bed replacement
  • Salt
  • Replacement of filters, water filters, pre-filters, filter components
  • Replacement membranes
  • Water purification systems
  • RO filtration system for pool/spa
Septic
$500.00
$75.00
Details
Covered by ORHP
  • Aerobic pump
  • Jet pump
  • Grinder pump
  • Sewage ejector pump
  • Septic tank and line from house to tank
Not Covered by ORHP
  • Seepage pits
  • Stoppage or damage due to roots
  • The cost of locating tank
  • Chemical treatments
  • Tile fields and leach beds
  • Leach lines
  • Lateral lines
  • Insufficient capacity
  • Level sensors/switches
  • Control panels
  • Associated electrical lines
Refrigerator
$2,500.00
$50.00
Details
Covered by ORHP
  • All components that affect the cooling operation of the unit, including compressor,
  • thermostat, condenser coil, evaporator and defrost system
Not Covered by ORHP
  • Filter
  • Interior thermal shell
  • Food spoilage
  • Insulation
  • Multi-media centers
  • Wine vaults
  • Cost of recapture or disposal of refrigerant
  • Refrigerator/oven combination units
  • Components, which do not affect the primary, function of the unit, such as coffeemakers, hot water dispensers, etc.
  • Kegerator
Refrigerator ice maker
$2,500.00
$50.00
Details
Covered by ORHP
  • All components that affect the cooling operation of the unit, including compressor,
  • thermostat, condenser coil, evaporator and defrost system
Not Covered by ORHP
  • Filter
  • Interior thermal shell
  • Food spoilage
  • Insulation
  • Multi-media centers
  • Wine vaults
  • Cost of recapture or disposal of refrigerant
  • Refrigerator/oven combination units
  • Components, which do not affect the primary, function of the unit, such as coffeemakers, hot water dispensers, etc.
  • Kegerator
Stand-alone freezer
$1,000.00
$50.00
Details
Covered by ORHP
  • All components that affect the cooling operation of the unit, including compressor,
  • thermostat, condenser coil, evaporator and defrost system
Not Covered by ORHP
  • Ice maker
  • Ice crusher
  • Beverage dispenser and their respective equipment
  • Filter
  • Interior thermal shell
  • Food spoilage
  • Insulation
  • Multi-media centers
  • Wine vaults
  • Cost of recapture or disposal of refrigerant
  • Refrigerator/oven combination units
  • Components, which do not affect the primary, function of the unit, such as coffeemakers, hot water dispensers, etc.
  • Dual compressor units
  • Kegerator
Wine refrigerator
$1,000.00
$50.00
Details
Covered by ORHP
  • All components that affect the cooling operation of the unit, including compressor,
  • thermostat, condenser coil, evaporator and defrost system
Not Covered by ORHP
  • Ice maker
  • Ice crusher
  • Beverage dispenser and their respective equipment
  • Filter
  • Interior thermal shell
  • Food spoilage
  • Insulation
  • Multi-media centers
  • Wine vaults
  • Cost of recapture or disposal of refrigerant
  • Refrigerator/oven combination units
  • Components, which do not affect the primary, function of the unit, such as coffeemakers, hot water dispensers, etc.
  • Dual compressor units
  • Kegerator
Free-standing ice maker
$1,000.00
$50.00
Details
Covered by ORHP
  • Repair or replacement of ice makers, ice crushers, beverage dispensers and their respective equipment are covered providing parts are available
  • If parts are not available, our obligation is limited to cash in lieu of repair
Not Covered by ORHP
No Info
Washer
-
$45.00
Details
Covered by ORHP
  • All components that affect the washing or drying operation of the unit, including:
  • Belts,
  • Pump
  • Motor
  • Tub
  • Timer
  • Drum
  • Thermostat
  • Transmission
  • Heating element
  • Control board
  • Touch pad
Not Covered by ORHP
  • Plastic mini-tub
  • Venting
  • Filter
  • Lint screen
  • All-in-one-tub wash/dry unit
  • Soap dispenser
Dryer
-
$45.00
Details
Covered by ORHP
  • All components that affect the washing or drying operation of the unit, including:
  • Belts,
  • Pump
  • Motor
  • Tub
  • Timer
  • Drum
  • Thermostat
  • Transmission
  • Heating element
  • Control board
  • Touch pad
Not Covered by ORHP
  • Plastic mini-tub
  • Venting
  • Filter
  • Lint screen
  • All-in-one-tub wash/dry unit
  • Soap dispenser
Premium Amount
Gold Combo Plan
77%
$495.00
Silver Combo Plan
77%
$395.00
Platinum Combo Plan
77%
$650.00
COVERAGE DETAILS
Air conditioner
Expand
Limit
$1,500.00
Gold Combo Plan
Silver Combo Plan
Platinum Combo Plan
Gold Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by ORHP
  • Central air conditioner
  • Wall or through the wall air conditioner and evaporator cooler (including primary drain pan)
  • Condenser (including compressor)
  • Evaporator coil/air handler
  • Thermostat
  • Accessible refrigerant lines
  • Leaks or stoppages in accessible condensate drain lines
  • Metering device (e.g. evaporator coil piston or thermal expansion valve)
  • Coverage is available for cooling systems with capacity not exceeding five (5) tons per unit
  • There is no limit to the number of covered air conditioning units
Not Covered by ORHP
  • Gas air conditioning units
  • Portable units
  • Zoning controls and respective equipment
  • Window units
  • Cooler pads
  • Secondary drain pan
  • Mini-split ductless systems
  • Use of cranes or other lifting equipment to repair or replace units/system components
  • Chillers and respective equipment
  • Condensate drain pump
  • Failures caused as a direct result of previous sealant or alternative refrigerant use
  • Inaccessible refrigerant/condensate lines
  • Refrigerant recapture, reclaim and disposal
Attic fans
Expand
Limit
Gold Combo Plan
Silver Combo Plan
Platinum Combo Plan
Gold Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by ORHP
No Info
Not Covered by ORHP
No Info
Bath exhaust fan
Expand
Limit
Gold Combo Plan
Silver Combo Plan
Platinum Combo Plan
Gold Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by ORHP
No Info
Not Covered by ORHP
No Info
Ceiling fan
Expand
Limit
Gold Combo Plan
Silver Combo Plan
Platinum Combo Plan
Gold Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by ORHP
No Info
Not Covered by ORHP
No Info
Cooktop exhaust fan
Expand
Limit
Gold Combo Plan
Silver Combo Plan
Platinum Combo Plan
Gold Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by ORHP
  • All components that affect the exhaust operation of the unit, including motor, selector switch
  • and fan
Not Covered by ORHP
No Info
Dishwasher
Expand
Limit
Gold Combo Plan
Silver Combo Plan
Platinum Combo Plan
Gold Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by ORHP
  • All components that affect the cleaning operation of the unit, including the pump, motor,
  • gasket, tub, timer, fill valve, seal, door latch, air gap, control board and touch pad
Not Covered by ORHP
  • Detachable components
  • Baskets
  • Dials
  • Knobs
  • Handles
  • Door glass
Disposal
Expand
Limit
Gold Combo Plan
Silver Combo Plan
Platinum Combo Plan
Gold Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by ORHP
No Info
Not Covered by ORHP
No Info
Ductwork
Expand
Limit
$1,500.00
Gold Combo Plan
Silver Combo Plan
Platinum Combo Plan
Gold Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by ORHP
  • Primary gas, oil, or electric heating system
  • Built-in wall or floor heater
  • Heat pump
  • Thermostat
  • Ductwork
  • Accessible heat pump refrigerant lines
  • Leaks or stoppages in accessible condensate drain lines
  • Coverage is available for heating systems with capacity not exceeding five (5) tons per unit
  • There is no limit to the number of covered heating units
Not Covered by ORHP
  • Timers/clocks that do not affect the heating/cooling operation of the unit
  • Vents
  • Flues
  • Fuel storage tanks
  • Freestanding/window units
  • Cable heat
  • Zoning controls and respective equipment
  • Secondary drain pan
  • Insulation
  • Dampers
  • Filters
  • Diagnostic testing of or locating leaks in ductwork (as required by any federal, state or local regulation, or when required due to the installation or replacement of system equipment)
  • Fireplaces and key valves
  • Grain, wood, or pellet stoves (even if primary source of heat)
  • Mini-split ductless systems
  • Use of cranes or other lifting equipment to repair or replace units/system components
  • Electronic air filters/cleaners
  • Humidifiers and respective equipment
  • Chillers and respective equipment
  • Condensate drain pump
  • Inaccessible heat pump refrigerant/ condensate lines
Electrical
Expand
Limit
Gold Combo Plan
Silver Combo Plan
Platinum Combo Plan
Gold Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by ORHP
  • Light Switches
  • Electrical Outlets
  • Main Electrical Panel/Sub Panel
  • Meter Base/Socket/ Pedestal
  • Breakers
  • Fuses and Interior Wiring
  • Bath Exhaust Fans
  • Ceiling Fans
  • Attic Fans
  • Whole House Fans
Not Covered by ORHP
  • Light fixtures, including those on ceiling fans
  • Bulbs
  • Ballasts
  • Heat lamps
  • Doorbells
  • Telephone, audio, video, computer, intercom, and alarm security wiring and systems
  • Low voltage relay systems
  • Smoke detectors
  • Inadequate wiring capacity
  • Power surges
  • Overload
  • Remote controls
  • Vents
  • Light sockets
Garage door
Expand
Limit
Gold Combo Plan
Silver Combo Plan
Platinum Combo Plan
Gold Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by ORHP
  • All components that affect the opening and closing function of the Opener Unit, including
  • motor, logic board, gear assembly, capacitor, rail assembly, sensors
Not Covered by ORHP
  • Garage doors
  • Hinges
  • Springs
  • Remote transmitters
  • Keypads
  • Light sockets
  • Door cables
  • Battery back up
  • Balancing the door
  • Rollers
Heating system
Expand
Limit
$1,500.00
Gold Combo Plan
Silver Combo Plan
Platinum Combo Plan
Gold Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by ORHP
  • Primary gas, oil, or electric heating system
  • Built-in wall or floor heater
  • Heat pump
  • Thermostat
  • Ductwork
  • Accessible heat pump refrigerant lines
  • Leaks or stoppages in accessible condensate drain lines
  • Coverage is available for heating systems with capacity not exceeding five (5) tons per unit
  • There is no limit to the number of covered heating units
Not Covered by ORHP
  • Timers/clocks that do not affect the heating/cooling operation of the unit
  • Vents
  • Flues
  • Fuel storage tanks
  • Freestanding/window units
  • Cable heat
  • Zoning controls and respective equipment
  • Secondary drain pan
  • Insulation
  • Dampers
  • Filters
  • Diagnostic testing of or locating leaks in ductwork (as required by any federal, state or local regulation, or when required due to the installation or replacement of system equipment)
  • Fireplaces and key valves
  • Grain, wood, or pellet stoves (even if primary source of heat)
  • Mini-split ductless systems
  • Use of cranes or other lifting equipment to repair or replace units/system components
  • Electronic air filters/cleaners
  • Humidifiers and respective equipment
  • Chillers and respective equipment
  • Condensate drain pump
  • Inaccessible heat pump refrigerant/ condensate lines
Locksmith
Expand
Limit
Gold Combo Plan
Silver Combo Plan
Platinum Combo Plan
Gold Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by ORHP
  • Rekey up to 6 key holes (including deadbolts) and provide 4 copies of the key
Not Covered by ORHP
  • Replacement of deadbolts, knobs or associated hardware, broken or
  • damaged locks
  • Padlocks
  • Gate, window, file cabinet, safe, desk or mailbox locks
  • any other services provided by a locksmith
Microwave
Expand
Limit
Gold Combo Plan
Silver Combo Plan
Platinum Combo Plan
Gold Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by ORHP
  • All components that affect the heating/cleaning operation of the unit, including heating
  • element, thermostat, burner, control board and touch pad
  • Timer and clock are covered if they affect the heating or cleaning of the unit
Not Covered by ORHP
  • Timers
  • Clocks
  • Halogen unit
  • Magnetic induction unit
  • Refrigerator/oven combination unit
  • Microwave/cooktop drawer combination unit
  • Portable or freestanding microwave
  • Sense-heat burners
Oven
Expand
Limit
Gold Combo Plan
Silver Combo Plan
Platinum Combo Plan
Gold Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by ORHP
  • All components that affect the heating/cleaning operation of the unit, including heating
  • element, thermostat, burner, control board and touch pad
  • Timer and clock are covered if they affect the heating or cleaning of the unit
Not Covered by ORHP
  • Timers
  • Clocks
  • Halogen unit
  • Magnetic induction unit
  • Refrigerator/oven combination unit
  • Microwave/cooktop drawer combination unit
  • Portable or freestanding microwave
  • Sense-heat burners
Plumbing
Expand
Limit
$500.00
Gold Combo Plan
Silver Combo Plan
Platinum Combo Plan
Gold Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by ORHP
  • Drain line Stoppages which can be cleared with sewer cable through an accessible, existing ground level cleanout (main line) or removable p-trap (branch line), or with hydrojetting if stoppage is unable to be cleared with sewer cable (unless stoppage is due to roots)
  • Water, Drain, Gas, or Sewer Vent Pipe Leaks or Breaks (including Polybutylene)
  • Toilet Tanks, Bowls, Flushing Mechanisms and Wax Ring Seals
  • Water Heater (including tankless, power vent, and direct vent unit)
  • Built-in Jetted Bathtub Motor, Pump and Air Switch Assemblies
  • Shower and Bathtub Valves, including Diverter Valves
  • Recirculating Pump
  • Instant Hot/Cold Water Dispenser
  • Garbage Disposal
  • Risers
  • Stop & Waste Valves
  • Angle Stops and Gate Valves
  • Water Pressure Regulator
  • Sump Pump (for ground water only)
Not Covered by ORHP
  • Fixtures
  • Faucets
  • Roman tub valves/faucets
  • Showerheads, handles, arms
  • Hose bibs
  • Multi-valve manifolds and other attachments to pipes
  • Gas log lighter
  • Toilet lids and seats
  • Water heater vents and flues
  • Shower pans
  • Stoppages due to roots
  • Leaks/damage caused by roots
  • Stoppages that cannot be cleared with cable or hydro jetting
  • Flow restrictions in fresh water lines
  • Water heater heat pump attachment
  • Holding, storage or expansion tanks
  • Bathtub jets
  • Tub spout or tub spout diverter
  • Shower towers
  • Thermostatic valves
  • Spray arms
  • Basket strainer
  • Fire suppression systems
  • Pop-up assemblies
  • Noises or odors without a related malfunction
  • Caulking or grouting
  • Inadequate or excessive water pressure
  • In the event of a stoppage: access to drain lines from vent, removal of toilet, costs to locate, access or install a ground level clean-out
Plumbing stoppages
Expand
Limit
$500.00
Gold Combo Plan
Silver Combo Plan
Platinum Combo Plan
Gold Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by ORHP
No Info
Not Covered by ORHP
No Info
Sump pump
Expand
Limit
Gold Combo Plan
Silver Combo Plan
Platinum Combo Plan
Gold Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by ORHP
No Info
Not Covered by ORHP
No Info