Range across tiers
First American Home Warranty
3.8/5 · BBB B
“Owners of newer homes who prioritize appliance coverage and want a low, selectable service fee.”
Photo · Avi Werde / 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
Old Republic holds the highest BBB rating in this set (A+) and a financially backed insurance-group parent, which earns it the edge in a real-estate transaction despite narrower direct-consumer availability by state. For a newer home bought direct, First American is the better fit: a $37/mo appliance tier, a $75 selectable fee, and coverage for some improper-installation failures, accepting that its systems limits run thinner.
Round by round · 11 criteriaSourced ratings
| Criterion | First American Home Warranty | Old Republic Home Protection | Tradeoff |
|---|---|---|---|
| Overall | 3.8 | 3.9Wins | — |
| Pricing | 4.2Wins | 3.6 | — |
| Coverage | 3.7 | 3.8Wins | — |
| Claims process | 3.4 | 3.7Wins | — |
| Customer service | 3.5 | 3.9Wins | — |
| Contractor network | 3.8 | 3.8 | — |
| Pricing | WinsWins | — | First American starts lower at $37/mo versus Old Republic's $42/mo; both use a $75 to $125 selectable fee, so fee structure is a tie. |
| Annual caps | Tie | Tie | First American caps appliances at up to $3,500/yr; Old Republic caps items at $3,000/yr with some items higher on Platinum. |
| Coverage breadth | Tie | Tie | First American covers some improper-installation failures; Old Republic's Comprehensive and Platinum tiers add HVAC, refrigerant, and modification allowances. |
| Customer sentiment | — | WinsWins | Old Republic's A-plus BBB rating and 3.9 overall lead First American's B rating and 3.8 overall, with Old Republic ahead on claims and customer service. |
| Real-estate channel | — | WinsWins | Old Republic is strongest in the real-estate channel and is backed by the Old Republic insurance group; First American is more direct-consumer oriented. |
First American Home Warranty
BBB B · 1984
3.8
Overall
Old Republic Home Protection
BBB A+ · 1974
3.9
Overall
§ 02Who wins for you
If
“Pricing matters most”
First American starts lower at $37/mo versus Old Republic's $42/mo; both use a $75 to $125 selectable fee, so fee structure is a tie.
EdgeFirst American Home Warranty
If
“Customer sentiment matters most”
Old Republic's A-plus BBB rating and 3.9 overall lead First American's B rating and 3.8 overall, with Old Republic ahead on claims and customer service.
EdgeOld Republic Home Protection
If
“Real-estate channel matters most”
Old Republic is strongest in the real-estate channel and is backed by the Old Republic insurance group; First American is more direct-consumer oriented.
EdgeOld Republic Home Protection
If
“Annual caps matters most”
First American caps appliances at up to $3,500/yr; Old Republic caps items at $3,000/yr with some items higher on Platinum.
Evenly matchedToo close to call
Across 5 rounds, Old Republic Home Protection 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
First American Home Warranty
- Monthly premium
- $37–$82/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 $3,500/yr per covered appliance; system caps vary
- Waiting period
- 30-day waiting period for direct-purchase plans
- Eligibility notes
- No home-age limit; pre-existing conditions excluded
- Available in
- 8 states (TX, FL, NC, CO, CA, GA…)
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
First American Home Warranty
3.8/5 · BBB B
“Owners of newer homes who prioritize appliance coverage and want a low, selectable 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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