What's Included

Inside, Outside & Everything Between

From your kitchen countertops to your new roof, Royal Home Coverage protects the systems and projects your home actually needs — at wholesale cost, with zero markup on every replacement.

Modern kitchen interior

Our Promise

We Cover What Matters Most

Unlike traditional home warranties that hide behind fine print, Royal is built on transparency. For every covered replacement — AC, water heater, roof, flooring, painting — you pay wholesale/factory cost with zero markup.

Our direct relationships with manufacturers through ABC Supply mean we source parts at cost. Our vetted contractor network means qualified, background-checked professionals only. And our local design center is here when you need help choosing finishes in person.

Covered Systems & Services

Explore Every Category

Interior Remodel

Exterior & Roof

Heating & Cooling

Plumbing

Electrical

Commercial

Design & Claims

Central Air Conditioning

All components of central AC systems including compressors, coils, capacitors, and refrigerant recharge.

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Heating Systems & Furnaces

Gas, electric, and oil furnaces including heat exchangers, burners, igniters, and control boards.

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Heat Pumps

Full coverage on heat pump components including reversing valves, compressors, and refrigerant lines.

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Ductwork

Interior accessible ductwork, plenums, and dampers. We cover leaks and failures in permanently installed ducts.

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Mini-Split Systems

Ductless mini-split units including wall-mounted heads, air handlers, and outdoor condensing units.

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Thermostats

Mechanical and smart thermostats — if it controls your HVAC, it's covered.

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Water Heaters (Tank)

Traditional tank water heaters — all components including thermostat, heating elements, and T&P valve.

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Tankless Water Heaters

On-demand water heater units — heat exchangers, flow sensors, and control boards fully covered.

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Faucets & Fixtures

Kitchen and bathroom faucets, showerheads, and fixture internals. We cover leaks and mechanical failures.

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Toilets

Toilet tanks, fill valves, flappers, and flush mechanisms. Both regular and pressure-assist covered.

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Supply Lines & Shut-Offs

Interior water supply lines, angle stops, and main shut-off valve components.

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Drain Lines & Stoppages

Clearing of drain line stoppages from the drain to where the line exits the foundation.

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Electrical Panel & Breakers

Main service panels, sub-panels, breakers, and fuse boxes. Includes panel upgrades for covered failures.

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Outlets & Switches

Standard, GFCI, and AFCI outlets and switches. We replace failed units to code.

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Interior Wiring

Permanently installed interior wiring from the panel to outlets — covered for shorts and open circuits.

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Ceiling Fans

All components of permanently installed ceiling fans including motors, capacitors, and speed controls.

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Light Fixtures

Permanently installed light fixtures and their components (excluding bulbs).

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Smoke & CO Detectors

Hardwired smoke detectors and carbon monoxide detectors — replacement when failed.

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Garage Door Opener

Motor, drive rail, safety sensors, remote receivers, and control panels for attached garage openers.

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Pool & Spa Equipment

Pump, motor, filter, heater, and salt cell systems for in-ground pools and spas.

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Roof Leak Repair

Patching and repair of roof leaks traced to a specific failure point (not general wear).

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Sump Pump

Primary and backup sump pumps — motor, float switch, and discharge pipe components.

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Countertops

Quartz, granite, solid surface, and laminate countertop replacement and repair — Cambria, Silestone, Wilsonart and more.

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Backsplash

Ceramic, porcelain, glass, and natural stone backsplash installation — sourced from Daltile, MSI, and American Olean.

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Flooring

Full-room hardwood, LVP, tile, and carpet replacement from Mohawk, Shaw, COREtec, and Mannington. Not for spot repairs.

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Interior Painting

Whole-room and whole-home interior repaint with premium Sherwin-Williams, Benjamin Moore, and PPG product lines.

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New Roof Replacement

Full roof tear-off and replacement — GAF, Owens Corning, CertainTeed, Atlas. Sourced at wholesale; installed with zero markup.

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Roof Leak Repair

Patching and repair of roof leaks traced to a specific failure point — covered through your service agreement.

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Siding

Fiber cement, vinyl, and engineered wood siding — James Hardie, LP SmartSide, CertainTeed. Sourced at wholesale.

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Windows & Doors

Andersen, Pella, Marvin, JELD-WEN — seal failures, broken hardware, frame damage, and full-unit replacement.

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Gutters & Drainage

Spectra, Amerimax, LeafGuard — replacement, leaks, drainage failures and full re-runs of damaged gutter systems.

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Patios & Outdoor Living

Covered patios, outdoor kitchens, pergolas, and hardscape — built at wholesale cost with our exterior crews.

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Exterior Painting

Whole-home exterior repaints — power-wash prep through premium-grade exterior coatings. Long-life finishes at cost.

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Local Design Center

In-person help with finishes, colors, and materials. Walk in, touch samples, leave with a plan — at no extra cost to members.

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Insurance Claim Assistance

We work directly with your insurance carrier on property claims — documenting damage, coordinating contractors, advocating for you.

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Quote Comparison

We encourage you to gather other contractor quotes. Bring them in; we'll show you the wholesale-cost difference, line by line.

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Wholesale Sourcing

Through our ABC Supply partnership, replacement materials and equipment are sourced at factory/wholesale cost with zero markup.

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Build Outs

Tenant improvements, partition walls, ceilings, and finish work — drywall, doors, ACT, and millwork from CertainTeed, USG, and Armstrong.

Commercial Crown

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Restaurants

FOH and BOH remodel work — durable flooring, washable wall finishes, ceiling grids, and finish carpentry built for high-traffic environments.

Commercial Crown

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Medical

Clinic and dental office remodels — antimicrobial finishes, sheet vinyl, sealed gypsum, and quiet ceiling systems compliant with healthcare standards.

Commercial Crown

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Garbage Disposal

Motor, grinding mechanism, and reset components. We replace when repair isn't possible.

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Kitchen Hood / Exhaust Fan

Permanently installed range hood — motor, blower, and electrical components.

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Gas Connection

Dryer gas supply lines and shut-off valves — covered for leaks and mechanical failure.

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Dryer Venting

Interior dryer vent duct from the unit to the exterior wall — clearing blockages and patching.

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Full Transparency

What's Included vs. Excluded

Royal is built for replacement-scale work at wholesale cost — not handyman jobs. We're transparent about what we do and don't take on.

✅ What We Do

Full replacements at wholesale/factory cost
Labor for full-scope installation jobs
Manufacturer-direct parts & materials
Whole-room remodels & major project work
New roofs, exterior painting, patios
Insurance claim advocacy & coordination
In-person design center support

❌ Small Repairs We Do Not Cover

Leaks under the sink
Appliance repairs
Small valve leaks
A few broken tiles
Small floor patches or spot repairs
Pre-existing conditions known before agreement
Damage from flooding, fire, or Acts of God

The small-repair exclusion is firm — it's not an optional add-on. For handyman work, please call a local handyman service.

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Wholesale Cost · No Markup

Every replacement is at wholesale/factory cost.

Compare any contractor quote to ours, line by line. The savings on a single AC, water heater, or roof replacement easily covers your service agreement many times over.

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Not Sure What Plan You Need?

Talk to one of our coverage specialists — no pressure, just honest advice about what level of protection makes sense for your home and budget.

Talk to a Specialist