Regency Total Warranty Reviews

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Edited by: Joanna Broder
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Edited by: Morgan Cutolo

About Regency Total Warranty

Regency Total Warranty offers two home warranty plans that cover the repairs and replacements of home systems and appliances. Plans start at $39.99 per month with a discounted rate if you pay upfront for one year. Claims can be filed online or by phone 24/7, with technicians typically dispatched within 48 hours of claim submission. Regency Total Warranty serves all 50 U.S. states.

Pros
  • Available nationwide
  • Two plan options
  • Optional add-on coverage
Cons
  • Some water heater coverage exclusions

Regency Total Warranty coverage and plans

The two plans the company offers are EssentialGuard and TotalGuard. The key difference is that EssentialGuard covers “essential” home systems, but the more popular TotalGuard plan provides “complete coverage” for both systems and appliances. See more details about plan coverage in the table below.

Optional add-on coverage is available for pools and spas, well pumps, sump pumps, central vacuums, limited roof leaks, septic systems, second refrigerators, stand-alone freezers, geothermal systems, plumbing and light fixtures, irrigation systems, tankless water heaters, water softeners and septic tank pumping.

Regency Total Warranty cost

If you pay in full annually instead of monthly, you can expect to save approximately $50 for the year.

Regency Total Warranty coverage exclusions

Regency Total Warranty exclusions include:

  • Sealed refrigerator systems
  • Portable, combination or countertop microwaves
  • Dishwasher racks and rollers
  • Water heater leaks
  • Water heater pumps
  • Slab water leaks
  • Plumbing stoppages caused by collapsed, damaged or broken sewer lines
  • Solar heat transformers
  • Window, wall and portable air conditioning units
  • Garage door springs, brackets, tracks and rails

» RELATED: What does a home warranty not cover?

Regency Total Warranty claims coverage limits

The Regency Total Warranty coverage limit is up to $5,000 per 12-month period for each covered system and add-on covered system. The coverage limit for each covered appliance and optional add-on covered appliance is $2,000 per 12-month period.

Regency Total Warranty FAQ

Is Regency Total Warranty legit?

Yes, Regency Total Warranty offers legitimate home warranty plans. There are two plan options with optional add-on coverage for things like pools, spas, secondary appliances and septic tank plumbing.

How does Regency Total Warranty work?

Regency Total Warranty plans cover the repair or replacement of major home systems and appliances. Once you submit a claim, the company says it will dispatch a certified technician to your home within 48 hours. Once the technician determines if the issue needs repairing or replacing, Regency Total Warranty will coordinate the service.

» LEARN MORE: What is a home warranty and how does it work?

Where is Regency Total Warranty available?

Regency Total Warranty is available in all U.S. states, including Alaska and Hawaii.

Does Regency Total Warranty require a home inspection?

No, Regency Total Warranty doesn’t require a home inspection, however, it does reserve the right to request home inspection reports.

How do I file a claim with Regency Total Warranty?

You can file a claim with Regency Total Warranty online or by phone. Claims can be filed 24/7.

Can I cancel a Regency Total Warranty plan at any time?

Yes, you can cancel your plan for a prorated refund.

Does Regency Total Warranty offer any discounts?

Yes, Regency Total Warranty offers discounts for seniors, veterans and customers with coverage for multiple properties.

Regency Total Warranty Reviews

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    Page 1 Reviews 0 - 5
    Verified purchase
    Customer Service

    Reviewed Sept. 6, 2025

    Updated on 10/06/2025: Was told all about your services. Was given a good monthly rate with a low service fee. Beat the warranty service I had before. Have used your service once and was satisfied with the results. Look forward to years of you taking care of my house. I would recommend your service.

    Original Review: It wasn’t until lately that I opted to switch to Regency Total Warranty after previously being with another provider. I had been a long-time customer with Home Shield but decided to make this change when they raised my rates significantly, which was frustrating for me. I've only been with Regency for a short period, but the sign-up process was extremely straightforward. The representative I spoke with was incredibly courteous and transparent about all the details. Everything he mentioned over the phone matched the contract perfectly when I received it, which I appreciated because there were no surprises. The transition felt seamless, and the savings over my previous plan really convinced me.

    Today marks my one-month anniversary with Regency as my official 30-day wait period has ended. Though I haven't had to request any service from them yet, I feel assured by the smooth set-up experience and prompt communications. While I haven't explored much beyond the email they sent detailing how to view my contract and service information, the pricing remains a strong point for me. It got me to change from a company I was with for almost four years.

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      Verified purchase
      Customer ServiceCoverageTech

      Reviewed Sept. 5, 2025

      I did an internet search for home warranties because mine was preparing to expire. During my internet search, Regency stood out with top ratings and impressive coverage options that appeared more comprehensive than my previous provider, 2-10 Home Warranty. The sign-up process was unexpectedly smooth. Despite reaching out on a Sunday not expecting a response right away, I was pleasantly surprised when a representative promptly reached out within ten minutes. He was very engaging and made the deal sound genuinely beneficial, offering a package that covered a lot more services than my previous provider, along with a $100 deductible. The ease and efficiency in getting everything done over the call was commendable—within a short time, I had all documents ready and even managed to get a military discount.

      As someone who believes in being prepared, extending our home warranty was crucial especially as we are 8 years in our house. Things inevitably age and break down, so having coverage gives us peace of mind. Look at it. They have comprehensive coverage options, and they have additional coverage options that you can sign into later. I have a septic system that I'm probably gonna add to it at some point. I haven't used anything. I still got 30 days before I can even think about using anything, but so far, so good.

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      Customer ServiceCoverage

      Reviewed July 22, 2025

      The man who I talked to was very pleasant and very informative. Any question I asked, he had an answer right away. I’m very pleased with what is covered and the price that I am paying. Since I’m a new enrollee, I cannot share any thoughts about workmanship, and who is employed by them if something breaks within my household. The only other thing I would like to say is that I did feel somewhat pressured by the salesman to continue my coverage more than the one year that I expressed I wanted. I too can be firm and told him please do not pressure me any further to buy any more years of coverage ahead of time. I need to see how I like the service, and if it’s worth it when it comes time that a repair will be needed. It’s at that time. I will decide whether to enroll two or three years at a time to save money.

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      Regency Total Warranty
      Response from Regency Total Warranty

      Thank you for taking the time to provide your feedback. We're delighted to hear that you had a pleasant and informative experience with our representative, and we're glad to know that your coverage and pricing met your expectations. We sincerely regret that you felt pressured to extend your coverage beyond your comfort level, and we'll use your comments to ensure all enrollees can make their preferred decisions without pressure. As you begin to experience our services, we're eager for you to witness our commitment to satisfying our customers’ needs. Please don’t hesitate to reach out if there's anything we can assist you with in the future. Welcome aboard![

      Reviewed April 17, 2025

      I shopped around to find the best fit for a home warranty plan. The Regency Home Warranty understood when I explained I just started looking for a home warranty. I searched and found positive reviews on Regency Home Warranty services. With other agents at other home warranties I contacted, I was pressured to make a decision before hanging up, of which I felt put off by and ultimately firmly declined.

      Several weeks later I received one email from a Regency Agent inquiring if I wanted to talk with an agent. I agreed and believe Regency offered the best plan for me. I never had a need for a home warranty in the past. However, after the sudden death of my husband, I began to panic because I had no one or nothing to rely on for home services. I feel reassured and confident that I have the kind of home services in place I can rely and count on.

      Linda M.

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      Verified purchase
      Customer ServiceClaims HandlingPrice

      Reviewed Nov. 14, 2024

      We have been with Regency Total Warranty for about two years. We have had to file multiple claims throughout that period, and I cannot say enough good things about this firm. When I submit a new claim online, they answer swiftly and follow up to ensure that we are satisfied with the service we receive. The personnel at Regency Total Warranty are absolutely fantastic and really concerned about your claim. They want to ensure that the business they have chosen to handle your claim meets all of our standards. We had one claim in which the business they selected did not work out.

      We were apologized to, and another service worker was dispatched to our home the following day. I cannot say enough positive things about Regency Total Warranty, and I recommend that everyone I know call and obtain the service as well. The prices are reasonable, the service is superb, and the people are friendly. I wholeheartedly suggest Regency Total Warranty to everyone who will listen. Thank you for the opportunity to say thank you.

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      CoveragePrice

      Reviewed Oct. 30, 2025

      Elliot was very knowledgeable and patient. He made it work for me! I will definitely be sending some folks your way!! Thank you so much!! Always nice to save a buck or two these days!! I have been a customer of American Home Shield for a very l long time. They are getting more expensive and cover less. Elliot took the time to go over everything which I greatly appreciated!

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      Customer ServiceClaims HandlingCoverageTechSales & MarketingPrice

      Reviewed Oct. 24, 2025

      I have only had my Home warranty policy for roughly 30+ days. (Yes, you read it correctly). The first time I called and presented my problem with my shower to them in order to file a claim, initially, they REFUSED to accept my claim because they stated that my problem was more related to a "fixture" problem (as part of plumbing coverage) and that my issue was not covered. To me, a "fixture" is a faucet, etc., which wasn't my issue. I promptly contacted the original Sales Person, "Billy", who verbally confirmed that the problem should be covered by my current policy. Also, I might add, that I asked the rep. if I were to purchase an additional Ryder with my current policy, would it be possible and how much? They quoted me a price of $5.00 (or so extra added to my policy); however, I could NOT add that coverage for it to be effective until 2026!!! "Billy" assured me that he would contact the Claims Dept. and follow up with me.

      Two hours and 2-3 attempted phone calls later (Voice mail), I got fed up and re-contacted the claims Dept. They stated that "Billy" never contacted them and after much complaining about lack of good customer service, feeling the "bait and switch" and asking what the heck I was paying for if I didn't and couldn't secure proper coverage---the Claims Dept. agreed to FINALLY initiate a claim. About 1 hour later, I received an email with a contact number for the referred plumbing company with instructions not to contact them for a 24-hr. period. 24-hrs. later, I contacted the company. This particular plumbing company was "confused" over how they got the referral because they are not a vendor of any warranty companies and they did NOT have a formal contract with Regency Total Warranty! However, my personal information was forwarded to them anyways. (This is very troubling to me).

      They were awaiting a response back from Regency as they had forwarded them an email in the AM and had yet to receive a response from Regency. (When I contacted them, it was around 1:00 p.m.). I re-contacted the Claims Dept. to inform them of the pending email. They put me on hold for about 3-4 minutes, returned and assured me that my Claim was being processed with them and that everything had been taken care. (The Plumbing company required a $99.00 service call fee and needed to have a credit card on file with them and assurance that they would be paid directly for their service call. They stated that they were willing to become a vendor; however, Regency did not want to provide the necessary documentation that they needed. My contract dictated that I was only required to pay $65.00 for the service call.

      I was not willing to pay any additional cost as I was fearful that I would not be reimbursed by Regency--given their current track record regarding my FIRST experience with them). Regency informed me that everything was fine when, in essence, it was NOT!! Needless to say, I am cancelling my policy with them based upon this initial experience with them and their lack of follow up, conflicting coverage policies, and a questionable vendor pool, poor customer service and service delivery--it has left a very bitter taste in my mouth. Currently, I am awaiting a SECOND Vendor call, as they assure me I am "on top of the list". Still SMH.... DO NOT INVEST YOUR HARD EARNED MONEY INTO THIS COMPANY--- PLEASE!!!!

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      MIKE increased rating by 3 stars.
      Customer ServiceSales & MarketingRefunds & Payouts
      After a positive interaction with Regency Total Warranty, MIKE increased their star rating on Oct. 24, 2025.

      Updated review: Oct. 24, 2025

      Mr. Harry ** from Regency Home Warranty contacted me today and he promised me to resolve my issues.

      Original Review: Oct. 23, 2025

      My name ia Mohammad ** and I talk to Billy ** on August 10, 25 and he ask me if I veteran and I said no. But he still said is ok and he told me $399.00 per year and $ 65.00 service fee. Also Mr. Billy ** told if I buy for 3 years my price will be fix at $ 399.00 for years. I paid $1200.00 by August 27, 25. On August 10 he sent me a copy of contract by email but I was not able to print or read it. I called him and I asked to mail it to me by post. He agreed but I never received then I called again 2 more times and finally I got the copy of contract middle of September of 2025. I had some minor plumbing issues and I called on Oct 19, 2025.

      On Oct 20 2025 I called the Regency Home Warranty and the representative told he is looking for license plumber to sign to my plumbing issues. This is was alarming because that tell me they work with no license as well otherwise why he should of mention it. I called the company and I told my concern and I said I want cancel my policy and refund my $1200.00 but they told me I can't because their policy is I have to be with company for 365 days before cancel it. Then on Oct 21, 2025 they assign the Roto Rooter. They came to my house on Oct 22, 25 at 8:30 am and they give over $1000.00 fee for simple job. Then they told the regency only $350.00 and I have to pay the rest. I said this is ridiculous. Then the Regency said first 3 months the Regency won't pay the full amount. I said Billy ** never told me. Then the regency manager Anderw told me it is in the contract. But I never had contract by mail till middle of Sept 2025.

      Anderw is very nasty guy who talk foul language and use lot of shit and raise his voice. He told me I never received my contract by mail. This guy is sick and mental as manager since he does not know the truth but he accused I lie. I told him I will take legal action since the Regency involved in fraud and dishonest business practice. The Regency does not cancel my contract for 365 days and they do not refund my money back. This company is scam. Whoever want call me please do it. **. I contacted Attorney general.. This company is total fraud. I bought new home warrant today.

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      Resolution In Progress
      CoverageSales & Marketing

      Reviewed Oct. 21, 2025

      One of the worst companies I ever had to deal with. Is there warranty doesn't cover much. Will not be recommended in this company. I'm not surprised this is under review. This company is a scam and I will not endorse it.

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      Claims HandlingSales & MarketingPunctuality & SpeedStaffLoan Process

      Reviewed Oct. 19, 2025

      The sales representative was very helpful and told me about the senior and multi year discounts. He took the time to explain the claim process and, basically everything I needed to know to make my decision.

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      Regency Total Warranty Company Information

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      Regency Total Warranty
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      United States
      Website:
      regencytotalwarranty.com

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