If you are buying a home, refinancing, or running a business, there is a good chance Old Republic Insurance touches your paperwork. The company is one of the largest title insurers in the country and also writes a wide range of specialty commercial coverage. It has been around since 1923, so this is not a new name in the industry.
This review walks through who Old Republic Insurance is, what it sells, how strong it is financially, how to reach the right claims team, and the pros and cons. By the end you will know where it fits and whether you should compare other specialty insurers like Great American Insurance or Chubb Insurance.
Key facts at a glance
| Detail | Information |
|---|---|
| Founded | 1923 |
| Headquarters | Chicago, Illinois |
| Parent company | Old Republic International (NYSE: ORI) |
| Main lines | Title insurance and specialty commercial coverage |
| AM Best rating | A+ (Superior), as of April 2026 |
| Title claims line | 855-777-5881 |
| Home warranty line | 800-445-6999 |
Who is Old Republic Insurance?
Old Republic International was founded in 1923 and is headquartered in Chicago, Illinois. It trades publicly under the ticker ORI and ranks among the largest title insurers in the United States. As of July 2026, the business runs through two main segments: Title Insurance and Specialty Insurance, which covers commercial property and casualty lines.
Rather than acting as a single carrier, Old Republic operates through a family of specialized companies. That lets each unit focus on a specific product, from title and escrow to commercial coverage and surety bonds.
What Old Republic Insurance covers
Old Republic is best known for title insurance, which protects against problems with a property's title. A lender's policy protects the lender's interest in the property, while an owner's policy protects the buyer if an issue shows up later, such as a hidden lien, an ownership dispute, or an error in public records. The company also provides escrow and closing services for real estate deals.
On the specialty side, Old Republic writes commercial coverage that can include commercial auto and trucking, workers' compensation, general liability, aviation, surety and fidelity bonds, and home warranty plans through Old Republic Home Protection. These lines put it in the same specialty arena as AIG Insurance. It is not a mainstream personal auto or homeowners carrier, so individuals shopping those policies will look elsewhere.
How financially strong is Old Republic?
Financial strength shows whether an insurer can back its promises. Old Republic holds an A+ (Superior) rating from AM Best as of April 2026, which is near the top of the scale. The company's title business also reported stronger premiums in 2026 as real estate activity picked up.
A strong rating is reassuring, but it does not promise a perfect claim experience. Service can differ across the various Old Republic companies, and rates and terms vary, so read your specific policy closely.
If you also shop personal auto or home coverage, it helps to know the going rate, and that your credit-based insurance score can nudge it up or down. Insurify compares quotes from 120-plus providers at once and helps drivers save up to 50%, so you can benchmark your price before you commit.
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How to contact Old Republic Insurance
Because Old Republic works through several specialized companies, the right number depends on your policy. Here are the common ones:
- Title insurance claims: 855-777-5881
- Home warranty (Old Republic Home Protection): 800-445-6999
- Not sure which unit you need: start at oldrepublic.com/contact for direction
Before you call, have your policy or file number, the property address or transaction details, and the date of the issue ready. That lets the representative locate your account quickly. Many claims and service requests can also be started online.
Prefer a simple, app-based insurer for your personal coverage? Lemonade uses AI to handle renters, home, pet, and car policies through your phone, which is a handy alternative if you want to quote and file without an agent.
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Insurance that's fast, affordable, and actually feels good. Lemonade uses AI to process claims in seconds and donates leftover premiums to causes you care about. Get renters, home, pet, life, or car insurance — all from one app.
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Pros and cons of Old Republic Insurance
Here is a balanced view.
Pros:
- Long history since 1923 and an A+ AM Best rating
- A leader in title insurance with broad reach
- Wide menu of specialty commercial coverage and bonds
Cons:
- Not built for everyday personal auto or home shoppers
- Many separate companies can make it confusing to find the right contact
- Your service experience depends on which unit you deal with
Who Old Republic Insurance is best for
Old Republic fits homebuyers and lenders who need title coverage, real estate professionals, and businesses looking for specialty commercial insurance or surety bonds. If you are closing on a house, its title and escrow services may already be part of your deal.
If you want a standard car or homeowners policy, this is not the natural pick. Comparing personal-lines carriers such as Erie Insurance or Mercury Insurance will likely serve you better.
Frequently Asked Questions
Is Old Republic a legitimate insurance company?
Yes. Old Republic International was founded in 1923, is based in Chicago, and trades publicly as ORI. It carries an A+ (Superior) rating from AM Best as of April 2026.
What is title insurance from Old Republic?
Title insurance protects against problems with a property's title, such as hidden liens, ownership disputes, or record errors. A lender's policy protects the lender, while an owner's policy protects the buyer if an issue arises after closing.
What is the Old Republic claims phone number?
For title insurance claims, call 855-777-5881. For home warranty claims through Old Republic Home Protection, call 800-445-6999. If you are unsure which company handles your policy, visit oldrepublic.com/contact.
Does Old Republic sell personal auto or home insurance?
Its focus is title insurance and specialty commercial coverage. It does offer home warranty plans, but that is different from standard homeowners insurance. For personal auto or home policies, compare carriers that specialize in those lines.
