Range across tiers
American Home Shield
4.1/5 · BBB B
“Homeowners who want broad systems coverage with the flexibility to lower premiums by accepting a higher service fee.”
Photo · Naomi Hébert / Unsplash
Old Republic Home Protection
3.9/5 · BBB A+
“Real-estate buyers and sellers who want a financially backed provider with a strong BBB record.”
Photo · Im Greg / Unsplash
vs
§ 01Round by round
The Warranta verdict
American Home Shield offers higher annual caps (up to $6,000/yr) and rare coverage for some undetectable pre-existing conditions, while Old Republic holds the highest BBB rating here (A+) and a financially backed parent, with its strength in the real-estate channel. Pick AHS for broad direct-consumer systems coverage and high limits, accepting higher premiums; pick Old Republic if you are in a real-estate transaction or weight a strong BBB record heavily, accepting narrower state availability for direct buyers.
Round by round · 11 criteriaSourced ratings
| Criterion | American Home Shield | Old Republic Home Protection | Tradeoff |
|---|---|---|---|
| Overall | 4.1Wins | 3.9 | — |
| Pricing | 3.7Wins | 3.6 | — |
| Coverage | 4.5Wins | 3.8 | — |
| Claims process | 3.8Wins | 3.7 | — |
| Customer service | 3.6 | 3.9Wins | — |
| Contractor network | 4.3Wins | 3.8 | — |
| Pricing | Tie | Tie | AHS starts at $30/mo versus Old Republic's $42/mo, but Old Republic's $75 minimum service fee beats AHS's $100 or $125 fee. |
| Annual caps | WinsWins | — | AHS reaches up to $6,000/yr on systems; Old Republic caps items at $3,000/yr with some Platinum items higher. |
| Coverage breadth | WinsWins | — | AHS covers some undetectable pre-existing conditions and improper installs, an unusual allowance Old Republic does not match. |
| Customer sentiment | Tie | Tie | Old Republic's A-plus BBB rating leads AHS's B; AHS's overall 4.1 edges Old Republic's 3.9, so the two split this round. |
| Claims experience | — | WinsWins | Old Republic's claims sub-score is 3.7 with complaints on regional contractor variance; AHS's is 3.8 but with broader denial and slow-dispatch complaints. |
American Home Shield
BBB B · 1971
4.1
Overall
Old Republic Home Protection
BBB A+ · 1974
3.9
Overall
§ 02Who wins for you
If
“Annual caps matters most”
AHS reaches up to $6,000/yr on systems; Old Republic caps items at $3,000/yr with some Platinum items higher.
EdgeAmerican Home Shield
If
“Coverage breadth matters most”
AHS covers some undetectable pre-existing conditions and improper installs, an unusual allowance Old Republic does not match.
EdgeAmerican Home Shield
If
“Claims experience matters most”
Old Republic's claims sub-score is 3.7 with complaints on regional contractor variance; AHS's is 3.8 but with broader denial and slow-dispatch complaints.
EdgeOld Republic Home Protection
If
“Pricing matters most”
AHS starts at $30/mo versus Old Republic's $42/mo, but Old Republic's $75 minimum service fee beats AHS's $100 or $125 fee.
Evenly matchedToo close to call
Across 5 rounds, American Home Shield takes more than it loses, but the right pick still turns on which of these criteria you weight. See the verdict above.
§ 03The figures, side by side
American Home Shield
- Monthly premium
- $30–$95/mo depending on plan tier
- Service fee options
- $100$125
- Service fee range
- $100 or $125 trade service-call fee
- Annual coverage limit
- Up to $6,000/yr on systems; per-appliance caps apply
- Waiting period
- 30-day waiting period for new plans (waived on real-estate transactions)
- Eligibility notes
- No home-age limit; pre-existing/known issues excluded
- Available in
- 8 states (VA, TX, FL, NC, CO, CA…)
At a glance
Per visit, paid to tech
Across plan tiers
Resets each contract year
Before claims are eligible
Home age / pre-existing
Excludes territories
Old Republic Home Protection
- Monthly premium
- $42–$88/mo depending on plan tier
- Service fee options
- $75$100$125
- Service fee range
- $75–$125 selectable service-call fee
- Annual coverage limit
- Up to $3,000/yr per covered item; some items higher on Platinum
- Waiting period
- Coverage begins on the plan effective date for real-estate plans; 30-day wait on direct plans
- Eligibility notes
- No home-age limit; pre-existing conditions excluded
- Available in
- 8 states (TX, FL, NC, CO, CA, GA…)
At a glance
Range across tiers
Per visit, paid to tech
Across plan tiers
Resets each contract year
Before claims are eligible
Home age / pre-existing
Excludes territories
American Home Shield
4.1/5 · BBB B
“Homeowners who want broad systems coverage with the flexibility to lower premiums by accepting a higher service fee.”
See a quote
FTC ↘Warranta earns a commission when you buy a plan through links on this page. This does not affect our editorial analysis or the price you pay. Disclosure policy
Old Republic Home Protection
3.9/5 · BBB A+
“Real-estate buyers and sellers who want a financially backed provider with a strong BBB record.”
See a quote
FTC ↘Warranta earns a commission when you buy a plan through links on this page. This does not affect our editorial analysis or the price you pay. Disclosure policy
Round winners and the use-case cards above reconcile against Warranta’s rating methodology. Scores are on a 5-point scale.
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