When a system or appliance fails, homeowners find themselves swamped with multiple tasks like finding a repairman, diagnosing the problem and figuring out how to pay the bill. Investing in a home warranty allows a company to take care of this process for you.
Freedom Home Warranty ended its services in March 2020 and was officially acquired by Old Republic Home Protection (ORHP) on May 15, 2020. Our team has done extensive research on the best home warranty companies, and below, we’ll explain what Freedom Home Warranty offered, what customers can expect from their new provider and why we think you should consider American Home Shield as an alternate provider.
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Freedom Home Warranty Overview
First launched in 2017 and originally known as America’s Choice Home Warranty, Freedom Home Warranty strived to add the element of flexibility across every facet of its service. Unlike its competitors, the company enabled customers to work with their own contractors. Also, a portion of each home warranty purchase goes to a charity of your choice.
Freedom Home Warranty plans were available in just a few states, including Tennessee, Washington, Oregon, Idaho, Nevada, Utah, Colorado, Wyoming, Minnesota, Hawaii, Pennsylvania and North Carolina.
Freedom Home Warranty Plans
Freedom Home Warranty offered three types of coverage packages: Patriot Protection, Liberty Protection and Freedom Protection. The plans were available for a 12-month period, but if you were to purchase a two-year plan, a 25% off discount would be applied to the second year’s premium.
- Patriot Protection provided coverage for a combination of over 25 critical systems and appliances, including a few novelty additions not covered in many plans. They included conduit, recirculating pump, junction boxes and Whirlpool motor and pump assembly.
- Liberty Protection covered everything under Patriot Production, plus common items such as refrigerators, ice makers and faucets.
- Freedom Protection offered comprehensive protection for more than 45 home systems and appliances.
Here’s a breakdown of what each plan covered:
|Home System or Appliance||Patriot Protection||Liberty Protection||Freedom Protection|
|Central vacuum system||✔️||✔️||✔️|
|Plumbing pipe leaks||✔️||✔️||✔️|
|Water heater (includes tankless)||✔️||✔️||✔️|
|Drain line stoppages||✔️||✔️||✔️|
|Whirlpool motor and pump assembly||✔️||✔️||✔️|
|Panels and subpanels||✔️||✔️||✔️|
|Switches, fuses and plugs||✔️||✔️||✔️|
|Ceiling and exhaust fans||✔️||✔️||✔️|
|Garage door opener unit and remote||✔️||✔️||✔️|
|Kitchen exhaust fan||✔️||✔️||✔️|
|Air conditioning pre-season tune-up||✔️||✔️||✔️|
|Heating pre-season tune-up||✔️||✔️||✔️|
|Pressure regulator valves||✔️||✔️|
|Showerheads and arms||✔️||✔️|
|Window air conditioning units||✔️||✔️|
|Garage door hinges/springs||✔️||✔️|
|Refrigerator ice maker||✔️||✔️|
|Appliance haul away||✔️||✔️|
|Trash compactor accessories||✔️||✔️|
|Built-in microwave accessories||✔️||✔️|
|Interior/exterior hose bibs||✔️|
|Water heater expansion tank||✔️|
|Washer and dryer||✔️|
Freedom Home Warranty also had a selection of add-ons for homeowners, which cost $45 to $150 per system or appliance.
|Add-on System or Appliance||Price|
|Septic system plumbing||$85|
|Salt water pool||$150|
|Additional plumbing coverage||$135|
Freedom Home Warranty Costs
The cost of a Freedom Home Warranty contract ranged from $295 to $895 based on the property, plan type and whether it included any add-ons.
Freedom Home Warranty had a plan called Eagle Protection that could be applied to any of the three plans to receive a 25% discount off the second year price. With Eagle Protection, for a two-year contract, customers saved anywhere from $123.75 to $223.75.
Customers could either pay in full or make monthly payments through a debit or credit card. Monthly payments were subjected to a $5 processing fee. This means, with the monthly payment method, you would pay an extra $60 per year.
Freedom Home Warranty charged a $65 service fee per claim, which is $10 lower than the average industry rate of $75. Contracts could be canceled within 30 days of initial acceptance for free, but after that, there was a $35 cancellation fee.
Freedom Home Warranty Coverage Caps
When it comes to discerning the true value of a home warranty, you must consider the coverage caps. This is the maximum dollar amount per contract a company will pay for the repair and replacement of a specific covered item.
The coverage caps for the systems and appliances included in your Freedom Home Warranty ranged from $200 to $1,500. Here is a detailed breakdown:
|Home System or Appliance||Coverage Cap|
|Air conditioning and heating system||$1,500|
|Central vacuum system||$500|
|Built-in microwave oven||$300|
|Garage door opener||$400|
|Single hot tub||$500|
|Swimming pool and hot tub||$500|
|Salt water swimming pool||$1,000|
|Freestanding ice maker||$500|
|Septic system and pumping||$500|
|Additional air conditioning and heating system coverage||$1,000|
|Additional plumbing coverage||$1,000|
Quotes and Claims with Freedom Home Warranty
Since Freedom Home Warranty is no longer in business, the company will not provide a quote for coverage.
The company’s new owner, Old Republic Home Protection is now handling any claims from Freedom Home Warranty customers. If you submitted a claim through Freedom Home Warranty, ORHP requests that you do not file the claim again as they work through the backlog.
ORHP promises that customers will be reimbursed for covered services under Freedom Home Warranty’s terms and conditions.
For additional updates, visit ORHP’s website.
Freedom Home Warranty Reviews
Freedom Home Warranty reviews showed a mix of both positive and negative feedback before it closed. Old Republic Home Protection has low-to-average customer ratings but an A+ and accreditation from the Better Business Bureau. There are more than 600 BBB customer complaints, but ORHP responds to many of them.
We have had to use Old Republic a couple of times now … Every time has been an easy and smooth experience. I could not be happier. I go online and report the problem, and I hear back very quickly on who will be calling to schedule an appointment. Each company has responded promptly and have been able to resolve our issue. Maybe it’s where I live? I have not had any of the problems other reviewers have had with Old Republic or their contractors. I was referred to Old Republic by a friend who also had great experiences with them.
– Katherine N., March 2020
“They sent three technicians to my house to try and fix my dishwasher. None of them were able to fix it. My dishwasher flooded my whole house two days after the latest technician came and now they are telling me they won’t cover a dime of the $3,000 in damages caused by their poor choice in technicians and lack of understanding of my issue. Horrible company. Better off using your $500 as kindling for a fire.”
– Drod, May 2020
Recommended Alternative Provider: American Home Shield
While Freedom Home Warranty customers may enjoy working with Old Republic Home Protection, our team has found several other home warranty companies that we’d recommend over these options — primarily American Home Shield.
With almost 50 years in the business, American Home Shield is the industry founder and is available to homeowners in 49 states (excludes Alaska). Two of its three plans are exclusively for system or appliance coverage, while the third plan provides comprehensive coverage to a combination of 21 systems and appliances.
You also have the flexibility to choose your own service call fee. There are three options — $75, $100 or $125 — per service call. The higher the amount you lock-in, the lower your monthly payment will be. Depending on the service fee you choose, the price of a Combo Plan may cost up to $59.99.
|American Home Shield||Freedom Home Warranty|
|Plan options||System Plan, Appliance Plan, Combo Plan||Patriot Protection, Liberty Protection, Freedom Protection|
|Contract length||12 months||12 months|
|Repair guarantee||30 days||30 days|
|Availability||49 states, except Alaska||Available in only 12 states|
|Best for||Overall||Choice of Contractor Flexibility|
|Years in service||50||3 (closed Spring 2020)|