Empire Home Protect vs Old Republic Home Protection
Side-by-side comparison of plans, pricing, claims, and coverage for 2026. Pick the home warranty that actually fits your home.
The Short Answer
Empire Home Protect and Old Republic Home Protection both offer home warranty coverage, but they take different approaches to pricing, claims, and what is included in the base plan. This page is a factual comparison so you can decide which provider actually fits your home and your budget.
Empire Home Protect stands out for transparent coverage, a 30-day money-back guarantee, plans starting at $49/month, and a nationwide service network of licensed local technicians. Old Republic Home Protection home warranty arm of Old Republic International, widely used in real estate transactions, especially on the West Coast.
Side-by-Side Comparison
| Feature | Empire Home Protect | Old Republic Home Protection |
|---|---|---|
| Plans Start At | $49/mo | Varies by plan tier |
| Typical Service Fee | Flat per-visit fee | $75 to $125 per service call |
| Claim Processing | Typically 24 to 48 hours | Varies |
| Money-Back Guarantee | 30 days | Varies by provider |
| Network | Nationwide licensed local technicians | Nationwide |
| Coverage Categories | HVAC, plumbing, electrical, water heater, major appliances, laundry, garage door opener | HVAC, plumbing, electrical, major appliances (specifics vary by tier) |
| Track Record | Covers 400,000+ homeowners | Founded 1974 |
What Empire Home Protect Does Differently
Transparent Coverage
We publish what is covered and what is not before you enroll. No buried exclusions, no industry jargon. If a system is covered, we cover it. If it is not, we say so upfront.
30-Day Money-Back Guarantee
Every new Empire Home Protect plan comes with a 30-day money-back guarantee. If it is not right for you, full refund.
Fast Claims With Real Humans
Most claims reviewed within 24 to 48 hours. When you call 1-888-211-4182, you reach a real team member.
Competitive Starting Price
Plans start at $49 per month — accessible entry point for real coverage.
Where Old Republic Home Protection Has Strengths
Strong reputation in real estate transactions, financial backing from a publicly traded parent company, established plans for buyers and sellers.
When Old Republic Home Protection might be the better pick: If you are buying or selling a home, especially in California or the West Coast, Old Republic has deep realtor relationships and transaction-focused plans.
Common Concerns With Old Republic Home Protection
Plans are more standardized than customizable, and customer reviews mention variable response times depending on local contractor availability. If any of these are deal-breakers, Empire Home Protect is worth a closer look.
Which Plan Is Right for You?
- Choose Empire Home Protect if: you want transparent coverage, a 30-day money-back guarantee, fast claims, and a plan starting at $49/month.
- Consider Old Republic Home Protection if: you are buying or selling a home, especially in california or the west coast, old republic has deep realtor relationships and transaction-focused plans.
- Either one if: your core need is basic HVAC + plumbing + electrical + appliance coverage.
Frequently Asked Questions
Is Empire Home Protect cheaper than Old Republic Home Protection?
Empire Home Protect plans start at $49/month, which is competitive with or below Old Republic Home Protection’s pricing. Your exact price depends on your plan tier and home — a free quote takes under two minutes.
How fast does Empire Home Protect process claims compared to Old Republic Home Protection?
Empire Home Protect typically reviews claims within 24 to 48 hours. Old Republic Home Protection’s claim times vary based on customer reports.
Can I switch from Old Republic Home Protection to Empire Home Protect?
Yes. You can enroll in Empire Home Protect any time. Run both until Old Republic Home Protection expires or cancel per their policy. Call 1-888-211-4182 for help planning the switch.
Does Empire Home Protect cover the same systems as Old Republic Home Protection?
Both providers cover core home systems: HVAC, plumbing, electrical, water heater, and major appliances. Coverage caps vary by tier — check plan documents.
What is the 30-day money-back guarantee?
Enroll and if it is not right within 30 days, full refund. After 30 days, cancel any time for a pro-rated refund.
See Your Empire Home Protect Plan and Price
Free quote in under two minutes. Plans from $49/mo. Cancel within 30 days for a full refund.
