Regency Total Warranty Reviews
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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.
- Available nationwide
- Two plan options
- Optional add-on coverage
- Some water heater coverage exclusions
Helpful Reviews
Regency Total Warranty coverage and plans
The two plans the company offers are EssentialGuard and TotalGuard.
- EssentialGuard covers “essential” home systems
- TotalGuard plan provides “complete coverage” for both systems and appliances
| Item | EssentialGuard | TotalGuard |
|---|---|---|
| Air conditioning | ||
| Heating | ||
| Plumbing system | ||
| Electrical system | ||
| Water heater | ||
| Whirlpool bathtub | ||
| Refrigerator | ||
| Oven | ||
| Range | ||
| Stove | ||
| Cooktop | ||
| Dishwasher | ||
| Built-in microwave | ||
| Garbage disposal | ||
| Clothes washer | ||
| Clothes dryer | ||
| Ductwork | ||
| Garage door opener | ||
| Ceiling and exhaust fans |
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
- Septic tank pumping
Regency Total Warranty cost
| Item | EssentialGuard | TotalGuard |
|---|---|---|
| Monthly fee | $44.99 per month | $49.99 per month |
| Annual fee | $489.99 per year | $549.99 per year |
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.
Still have questions?
Regency Total Warranty Reviews
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- 4,882,006 reviews on ConsumerAffairs are verified.
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- 4,882,006 reviews on ConsumerAffairs are verified.
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Reviewed March 12, 2026
The website was super user friendly, made everything clear and upfront with different coverage options as well as flexible payment schedules., The prices are better as well as a low service fee. I’m looking forward to seeing myself why they have such high ratings. They are rated the best of all home warranty programs so I decided to try them myself.
Reviewed March 11, 2026
My Agent, Billy, was polite, with detailed answers and a positive attitude! He offered up a great deal that saved me over $350 a year with my previous home warranty company. I look forward to future phone calls regarding policy.
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Reviewed March 6, 2026
Max was very accommodating and knowledgeable! He was great to work with and helpful with competitive pricing. He called back when asked and was not to pushy. He gave my wife and I time to discuss the contract and make a decision
Reviewed March 6, 2026
Quick and to the point. I appreciated the honesty. Elliott made it clear the pricing monthly, call price and informed me of any discounts if I chose the annual plan. My coverage starts next month!! Good prices. Better than Old Republic.
Reviewed March 5, 2026
Signing up was easy, my questions were answered to the point I felt comfortable the warranty. I’m looking forward to being covered by Regency. Hopefully everything I understood will be as so. The representative was patient and informative with the concerns I had regarding a new policy. I gave a straightforward overview of the policy and asked the representative to explain a few of the concerns. With good understanding I hope things are as explained.
Reviewed May 18, 2026
This is absolutely the worst company we have ever dealt with. On May 16, 2025 we signed up for a 3 year whole house warranty plan. We were promised that if we did not not like the service we could cancel for a full 'pro-rated' refund. Seemed ok. In our second month, we placed a call for our Air Conditioner unit. We had to wait almost a week for a scheduled date/time. We waited that week and then stayed home the entire day and the technician NEVER showed up. We called the company back and their records indicated that he had arrived and performed the service.
We immediately wanted to cancel the policy but we were told that we could not cancel for 1 year. Our earliest cancelation date was 5/16/2026. This past Saturday we called and informed the company that we wanted to cancel. They opened a 'claim' and said someone would call on Monday morning. I just got off the phone from a Spam call that turned out to be Regency Total Warranty from an individual that obviously offshore. She that our 'prorated' refund for a 3 year $1199 contract would be $52. How is $52 an appropriate refund for a worthless $1199 policy?
Stay away from this company at all costs. Please feel to message me if you want to validate this note. You will struggle to understand any person with this company EXCEPT the sales people. We were later told that they had 1 AC tech that covered 3 or 4 states in the Midwest, MI being included and that is why it was took so long to get the original appointment. That Technician ended up being in court the day he was supposed to be at our house. We probably have a dozen HVAC companies in our small city and they have 1 Technician for the Midwest??? I'm taking my case up with the MI Attorney General. If you would like to join my case, please message me.
Reviewed May 18, 2026
Absolutely the worst home warranty company I have ever dealt with. Paying for this policy has been a complete waste of money. They gladly take your monthly payments, but the moment you actually need help, suddenly there are delays, loopholes, excuses, and reasons why they don’t want to cover anything. It feels like their entire business model is built around avoiding claims instead of helping customers. Customer service was beyond frustrating — long waits, poor communication, and nobody seemed willing to provide real answers or solutions.
Reviewed May 18, 2026
Love the value. Can’t beat $480 a year! Call them today!
Reviewed May 7, 2026
Let’s start by saying I took them on towards the end of last year for peace of mind. We have never had to file a claim until a few days ago when we discovered water coming out from the wall where the tankless water heater is in the garbage. We immediately turned the water off and filed a claim. It took 4 days to revive an email with an assigned company, which I went ahead and called immediately.
When the company answered “Rapid Plumbing” I was informed they do not except claims with Regency Total Home warranty, I asked why and they said because they would hire us we would go out and do the work and they would never pay them….WOW is all I could think and oh no!! So I called Regency immediately and they said oh well we will find another contractor to come out, well another day passed and they assigned us to a plumber in Waco, TX which is 2-3 hours away so of course they don’t service us. So by now I’m steaming mind you it’s now been 6 days with no water, can’t shower, do dishes, or laundry.
So I called Regency immediately and am told that I can just hire my own company and then submit for reimbursement, so I make the decision to do so because mold is starting to form on the drywall. John Wayne plumbing comes out and discovers the line to the water heater has two leaks in it from a nail during construction going through it, the job is done and I submit the invoice and this is Regency's response:
"Claim Number: **Claim Product: Plumbing System
We have carefully reviewed your claim regarding the issue with your Plumbing System. After further examination, we found that the issue outside the living area.
We regret to inform you that this issue is not covered under your policy, as stated in Section 7.9 of your policy documents. Section 7.9 specifically excludes outside the living area.
Please refer to your policy documents for additional details.
7.9 Plumbing Stoppages. This Agreement covers stoppages in the drain, vent, and sewer lines up to 100 feet from the access point, except if caused by roots. Mainline stoppages are only cleared when there is an accessible ground level clean-out. Excluded: This Agreement does not cover stoppages caused by collapsed, damaged, or broken drain, vent, or sewer lines outside the confines of the main foundation of the home. Stoppages due to roots or foreign objects. If the lines are broken or infiltrated by roots or are otherwise stopped by roots, even if the break, infiltration, or stoppage is within 100 feet from the access point, it is not covered. Access to drain or sewer lines from the vent or the removal of the water closet. Costs to locate, access, or install a ground-level cleanout. Septic tanks. Excluded: (i) camera search; (ii) jetting; (iii) toilet pull and reset.
Sincerely,
Regency Total Warranty Claims Team"
I’m a so upset and feel completely scammed and used for money that I paid monthly for something that was never going to actually help me when I needed it. Horrible, misleading company providing a fraudulent service!!!!
Reviewed May 7, 2026
Plumbing issue: Called on 4/29/2026 (Thursday). Had to wait 24 hours for a response. Response returned call on Friday. Made the appointment. Called Company back and she stated she gave my appointment away and they could not come out till Saturday. Upset called Regency back. They said, "Call your own plumbing. When you pay deduct $75." Plumbing to unclog kitchen sink came to $401. Now Regency wants to charge me $89 (plumbing companies charge) for the service fee when I was told $75 minus $89 is $14. I asked to speak to a supervisor and it been 5 days. Have not heard back. Regency is trying to cheat me out of $30. The $14 plus an additional $15 and I still have not been reimbursed $326. They are only trying to pay me $300. Supervisor told the receptionist they called on a different number. "No" that never happened. Today is 5/7/26. Still have not been reimbursed. No call from supervisor still.
Regency Total Warranty Company Information
- Company Name:
- Regency Total Warranty
- Country:
- United States
- Website:
- regencytotalwarranty.com
