Regency Total Warranty Reviews

I strongly recommend avoiding Regency Total Warranty based on my experience. I purchased a policy last year and filed a claim when my air conditioning system stopped working. The response time was very slow, and when a technician finally arrived, I was told that most of the necessary repairs were not covered under the policy. The coverage limitations were so extensive that I felt the warranty provided very little practical value.

There are two major disqualification with their coverage. The HVAC heating and cooling require providing 3 years of maintenance service on these system. New homes less than 3 years old would not be a problem. Older homes generally will not have maintenance records since there was no prior notification to keep records. So if you have an older house with no records available. The most they will payout for any repair is the cap of $175. The same problem will be seen in repair for every major appliance. The repair caps they will pay out are unrealistically low. This is by design to virtually eliminate their need to payout for any major repairs including system replacement.

I have been using Regency Total Warranty for one year. What a disappointment, I purchased a three year policy for $1500.00. I contacted the warranty company claim on 5 June 2026 requesting a cancellation of the two remaining years. The warranty company stated someone would contact me the same day to finalize the cancellation, no call back that day. On 8 June 2026, I contacted them again to request the cancellation. The representative stated that if I cancelled the policy prior to expiration date that I would have to pay back the two claims I made in the first year. I stated that I never heard of anything like that with other warranty companies. He stated I read paragraph 14.3 "Cancellation by you". The last sentence states "A $75 cancellation fee will be charged and any service costs, claims paid and incurred by Regency Total Warranty".

I agree with Nadia below. Everything about this company is wrong. Customer Service is very slow to respond. I filed two claims and did not receive a response until I spent much time calling different numbers to get a response. The advertisement online shows that a warranty can be canceled anytime for a prorated amount yet when I asked for cancellation, I was told that I couldn’t cancel for a year and after that was a $75 cancellation fee. None of this was explained to me when I took the warranty online, speaking to an individual. I paid for the warranty upfront (stupid me). At this point it’s so much hassle trying to get a hold of somebody and file a claim and then get the claim paid that now I locate repair technicians locally and pay it out-of-pocket. I feel like I’ve been scammed.

This is the worst company. Everything is wrong with it, customer service, the service itself, they don't want to cover, taking forever. They will put any obstacles to not pay. I have family coming over and the AC is not working. I will make sure everyone knows about how awful this company is and taking my money for nothing. You will hear from me every single day.

The biggest thieves I have ever experienced. One case with my washing machine lasted for over seven months, a technician came to see what the problem was and came to the conclusion that a part was broken and that they were no longer producing it and that a new washing machine was needed, however, Regency Home Warranty did not want to cover the full amount and gave me $175. It took over three months for them to send me a check. I never recommend this company to anyone, the biggest thieves and thieves.

Avoid Regency Total Warranty at all costs. It is the worst home warranty company I have ever experienced. I took out a policy last year and filed a claim when my AC stopped working. They were slow to respond and when someone finally came out the majority of the repairs were not covered under the policy. Their policy limits so much it shouldn't be legal. If an appliance breaks down more than once in a year it is not covered. If you want to cancel your policy they charge a $75 cancellation fee and try to bill you for prior claims that they paid out. It's a horrible horrible company. If you pick them for your home warranty you only have yourself to blame because you have been warned. They SUCK!!!

I called to file a claim and was referred to a company that didn't even do service in my area. The second company I was referred to said they never received the claim. I called Regency to ask them to resend the claim and was told that the dispatch team was not available. It has been a week now and I still don't have an appointment to get the washing machine repaired. This is my first claim with REGENCY. I paid for a year. Terrible service. Go with another company.

My advice to you is that DO NOT GET INVOLVED with REGENCY TOTAL WARRANTY. They are the PROFESSIONAL SCAMMERS.

I purchased home warranty on three of my properties. It came time for my first issue. It was during a weekend and it was an emergency, they were unable to have any service tech on the weekend. They weren’t even able to put the call in until the following Monday. Therefore, I had to get my own tech and submit the claim and I have to wait 5 to 6 weeks to get paid. I still haven’t gotten a refund.

My experience with this company was completely negative from start to finish. The only positive part of the process was the initial signup, where communication and promises were excellent. After they secured my business, everything changed. Communication became poor, accountability disappeared, and every interaction turned into frustration and disappointment. Within 30 days, I decided to cancel my contract because the company failed to properly address the issues I reported. Before signing up, I specifically asked if there were any cancellation fees and was clearly told there were none and that I could cancel at any time. However, when I canceled, they still found a way to take additional money from me. That alone showed the lack of honesty and transparency this company operates with.

The worst warranty I ever bought. They screwed me and didn’t replace my A/C unit. Cost me thousands. They don’t back up what they advertise. They lie….

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.

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.

Love the value. Can’t beat $480 a year! Call them today!

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.

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.

I purchased a home warranty plan from Regency Total Warranty on Wednesday, March 11th. There is a waiting period of 30 days, but their policy doesn't state there will be a charge during that period. However, there is. Once my plan became active on April 10, 2026, I called them to schedule a tech to diagnose a leaking refrigerator. I paid their service fee of $75 and had the tech tell me the plastic water line was leaking. He told me my insurance company would work with his company to get the repair resolved. I then get an email saying I was "approved" by Regency for up to $175 in repairs.

Regency Total Home Warranty is the worse. They really put up a professional front when opening your account with them by offering lower monthly rates and cheaper deductibles. I was very excited about the savings. I also read great reviews and saw they were listed as top 10 home warranty companies. After 3 months I made a claim on my garage door opener. The technician called and was supposed to come on Friday between 12 noon and 3 PM. The technician never showed up or called. I end up calling the company back to find out if he was running late. The company had me leave a voicemail so I did. The technician ended up texting me around 7 PM. I text back and asked what happened and he said I can come tomorrow which was Saturday. I text back and said, "I’m unavailable tomorrow. Perhaps next week." The technician text back, "I can come Sunday" so we set a time for Sunday at 1 PM.

My stove stopped working on 4/21/2026, and I immediately contacted Regency to file a claim. They assigned the case to a repair company very quickly, and a technician came out on 4/23/2026 to diagnose the issue. He determined that the unit needed a new control board and stated he would submit the information to Regency for authorization.

Run away from this company as fast as you can!!! Had to use them for stove oven. Fan broke. After multiple calls with customer service submitting the same information. The fan in stove oven couldn’t be replaced. They stated they would reimburse us $225.00. After 4 months they have not reimbursed the 225.00. When calling customer service they stated the check was on the way- that was 4 months ago.

Seniors, Don’t enter into a contract with Regency! I had two claims and resulted in me paying an additional 60% out of pocket to pay for the repairs. My microwave was 5 years old and they gave me $99 towards my $427 cost to replace it. My gas valve on furnace needed replacement and the cost of replacing it was $527 and they allowed $175 reimbursement. The check was sent 5 months after the repair was done. I called multiple times asking for expedited payment. Of special interest, Andrew the billing rep stated that I needed to pay my monthly $39 to receive the check. If I canceled, he would stop payment on the $175 check. He speaks to customers in a terse and caustic manner, not very professional! I’m canceling. Seniors, look somewhere else for your home warranty needs!

WARNING!! This is a scam. They will steal your money and then they will gaslight you AND the technicians and tell you both that they never received any of your emails. You will end up paying out of pocket regardless. AVOID THEM AT ALL COSTS. My children were without hot water for over 2 months because they kept pretending they didn't receive our direct emails. We had to take a loan to pay for a hot water heater and then they still are pretending they didn't receive the final invoice that shows paid so they can reimburse us.

2 out of 2 times, they didn’t resolve an issue. My solve was broken and after 2 months, they sent a check for $275 after we paid $1,000 to have it replaced ourselves. Our hot water heater went out in December and 3 months later, they still never fixed it. We paid $1,600 ourselves to replace it. They keep avoiding anything. It’s a scam. They just keep avoiding until you give up and fix the issue yourself.

Fraud company. Never wants to pay claim. Don't waste your money. Better to find someone local.

Biggest Rip Offs. Cancelled Policy, charged $75 Cancellation Fee. Then also took my last month Premium, even after cancelling policy at the First of the Month. They will not address a malfunctioning appliance untill it is completely broke down. Per Customer Service Rep. I wouldn't consider this Company to Protect your Home Appliances.

I had electrical issues and that is when I found out how Regency works, it doesn't. I was made to believe it is a one time cost to show up and fix the problem and everything will be taken care of. Nope, you pay hundreds if not close to a $1000 to get basically a $25 discount for contractor show up fee. The fine print in the policy basically makes a denial for them very easy. You will be paying for the labor of the contractor and most likely the part or parts will not be covered because of, well it's in the fine print of the policy that has plenty denial reasons.

I purchased a warranty plan with Regency Home Warranty in April 2025. The amount was $399. I chose the three-month installment plan, which was $133 for three months for April, May, and June. Someone charged my card in July for another installment and I called in on 7/28/2025 and told the representative to take my card off file. I was told that it was and I would get an email confirmation confirming it, which I never did. I didn’t follow up with it because it stopped.

I am so disappointed in this company, our stove went out worth $700. They say, "Oh we can only give you $275." Now our refrigerator has gone out due to a storm. They didn’t come the first time and now we have to wait another week before a tech comes. We’ve lost all of our food from the freezer and from just the refrigerator and they’re making us wait and wait. I would not renew this policy nor would I suggest anybody else get this policy.

Have a problem? Call in and they need to waste your time to send someone out that needs to see if they can cover your problem. What a bunch of bull! They say they cover a AC. I call as AC down. They don’t know if they cover fixing a AC! I would not waste my money on a company that advertises coverage for AC’s and then has to send someone out to see if they fix AC’s. This will take more days and time without my AC! Can’t add receipt as still waiting for my AC to be fixed. Already know everything is good, but need a cleanout as have it serviced every year.