American Home Shield vs. Old Republic Home Protection cost
While American Home Shield's monthly premiums tend to be lower for basic coverage, Old Republic Home Protection tends to have lower costs for comprehensive premium plans. Another key cost to consider is the service fee, which is the amount you’ll pay for a technician's visit.
American Home Shield plans and pricing
American Home Shield lets you choose a service fee of $100 or $125. Choosing a higher service fee will reduce the monthly cost of your plan.
| Service fee | ShieldSilver | ShieldGold | ShieldPlatinum |
|---|---|---|---|
| $100 | $39.99 | $59.99 | $89.99 |
| $125 | $29.99 | $49.99 | $79.99 |
Old Republic Home Protection plans and pricing
Old Republic Home Protection plans generally come with a service fee of $100.
| Service fee | Basic | Deluxe | Elite |
|---|---|---|---|
| $100 | $43.75 per month | $60.83 per month | $77.92 per month |
American Home Shield vs. Old Republic Home Protection coverage
The main coverage difference between these companies is how they structure their lowest-tier plans. American Home Shield's lowest-tier plan focuses mostly on home systems, while Old Republic has a more comprehensive low-level plan that includes some appliance coverage. As you look at their more expensive plans, both companies offer similar coverage for most major items.
 |  | |
| Coverage |  |  |
|---|---|---|
| Plan | ||
| Air conditioner | | |
| Heating | | |
| Plumbing | | |
| Electrical | | |
| Ductwork | | |
| Sump pump | | |
| Water heater | | |
| Interior plumbing lines | | |
| Interior electrical lines | | |
| Exterior plumbing lines | | |
| Exterior water lines | | |
| Refrigerator | | |
| Dishwasher | | |
| Oven | | |
| Range | | |
| Cooktop | | |
| Microwave | | |
| Food center | | |
| Garbage disposal | | |
| Trash compactor | | |
| Ice maker | | |
| Hot/cold water dispenser | | |
| Range exhaust hood | | |
| Kitchen exhaust fan | | |
| Clothes washer | | |
| Clothes dryer | | |
| Toilets | | |
| Bathtub/shower | | |
| Faucets | | |
| Ceiling fans | | |
| Attic fans | | |
| Central vacuum | | |
| Doorbells | | |
| Garage door openers | | |
| Roof leak repairs | | |
| Main breaker | | |
| Plumbing stoppages | | |
| Home electronics | | |
| Smoke detectors | | |
| Jetted tub components | | |
American Home Shield vs. Old Republic Home Protection add-on coverage
American Home Shield offers fewer add-on options than Old Republic, though both companies offer similar types of coverage.
American Home Shield add-ons
American Home Shield offers six add-on options. See pricing for some add-on items below.
| Add-on coverage | Monthly cost* |
|---|---|
| Roof leak repair | $9.99 |
| Well pump unit | $9.99 |
| Guest unit | $12.99 |
| Electronics protection | $14 |
| Pool and built-in spa equipment | $20.99 |
Old Republic Home Protection add-ons
Old Republic Home Protection has a wide range of add-on coverage, though options may vary by location. Here are the monthly costs for some of its optional coverage items:
| Add-on coverage | Monthly cost* |
|---|---|
| Second refrigerator | $4.17 |
| Septic tank pumping, septic system and sewage ejector pump | $6.25 |
| Roof leak repair | $8.33 |
| Pool and spa equipment | $20 |
What American Home Shield customers say
Many ConsumerAffairs reviewers for American Home Shield appreciated the ease of filing claims and the fast scheduling of technicians. Many reviewers highlighted professional contractors and savings on repairs, with some reviewers noting the convenience of managing service through the website or app. However, some negative reviews cited long waits, incorrect assessments and higher-than-expected costs.
Submitting the claim online was hassle-free, and scheduling with the contractor was a breeze."
Raeya, a reviewer from North Carolina, was happy with their experience with American Home Shield.
“The whole claim process for my air conditioning issue was more than satisfactory—quick and easy, just as I'd hoped,” Raeya said. “Submitting the claim online was hassle-free, and scheduling with the contractor was a breeze. The contractor was great and managed to come in the same day to get the job done efficiently. [...] The customer service has been equally stellar, deserving a top score as well.”
What Old Republic Home Protection customers say
Some ConsumerAffairs reviewers for Old Republic Home Protection mentioned the convenience of phone and online claim submissions. Many reviewers also praised the prompt response and professionalism of technicians. However, some customers reported long hold times, denied claims and inconsistent contractor quality.
Any time I've had an issue, like when my AC malfunctioned recently, they responded promptly, sending someone out the same day."
Reza, a reviewer from Arizona, has been happy with their Old Republic Home Protection warranty long term.
“Having been a long-time customer of Old Republic Home Protection, my experience with their service has been very positive,” Reza said. “Any time I've had an issue, like when my AC malfunctioned recently, they responded promptly, sending someone out the same day. Setting up service is straightforward and the customer service I've received over the phone has consistently been very good.”
FAQ
Can you transfer an American Home Shield or Old Republic home warranty?
Yes, you can transfer an American Home Shield or Old Republic home warranty to a new owner if you sell your home.
Can you cancel an American Home Shield or Old Republic home warranty?
Yes, you can cancel an American Home Shield or Old Republic home warranty at any time. For both companies, if you cancel your warranty plan within 30 days of purchase, you’ll get a full refund. After 30 days, you’ll get a prorated refund.
What doesn’t a home warranty cover?
Home warranties generally don’t cover certain parts of a home, such as the foundation, doors or windows. Home warranty contracts also outline specific items that aren’t covered, and many covered items have caps on repairs or replacements. Home warranties also typically don’t cover preexisting conditions or damage due to neglect, abuse or natural disasters.
Bottom line: American Home Shield or Old Republic Home Protection?
American Home Shield may be a better choice over Old Republic Home Protection because it’s available in more states (48 versus 26, respectively). Its plans cover undetectable preexisting conditions, breakdowns caused by lack of maintenance and improper installations, all of which are rare in a home warranty plan.
However, depending on where you live or what type of coverage you’re looking for, Old Republic might be worth considering. Old Republic’s plans may be better if you have unique needs or a more limited budget due to its comprehensive add-on coverage.
» RELATED: Choice Home Warranty vs. American Home Shield
Article sources
ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this article include:
- Federal Trade Commission, “Warranties for New Homes.” Accessed April 11, 2026.
