Alabama
General service contract law- Who to contact
- Alabama Department of Insurance
- Law or program
- Service contract law, Code of Alabama Title 8, Chapter 32
State guide · Updated October 17, 2026
Does Your State Regulate Home Warranty Companies?
There is no federal home warranty regulator. Each state decides whether home warranty companies must be licensed or registered, which agency oversees them, and what rules they follow. Here's how it works and where to go in your state.
How states regulate home warranties
Home warranties are usually treated as service contracts, not insurance. Depending on the state, that means the company may need to:
- Obtain a license, permit or registration before selling plans
- Post a surety bond or keep financial reserves so claims can be paid
- File contract forms, and sometimes rates, with the state
- Include required disclosures, cancellation and refund terms in the contract
- Respond to consumer complaints filed with the state agency
Oversight usually sits with the state insurance department, but some states assign it to a licensing board, consumer affairs office, secretary of state or the attorney general. Even in states with no specific program, deceptive or unfair practices are covered by general consumer protection laws.
Home warranty law
21
The state has a law or licensing program that names home warranties, home service contracts or residential service contracts.
General service contract law
15
Home warranties fall under a broader law covering service contracts, often with registration, bonding or disclosure rules.
No specific program
15
We found no home warranty licensing or registration program; general consumer protection laws still apply and the attorney general handles complaints.
Before you buy: check the company
- Find your state below and open the agency link.
- Search the agency's license or registration lookup for the company's name, if one exists.
- Read the sample contract: coverage caps, exclusions, service fee, waiting period and cancellation terms.
- Check the complaint history with the state agency and the Better Business Bureau.
If you have a dispute with a home warranty company, contact the company first, then file a complaint with the agency listed for your state.
State-by-state guide
Alaska
Home warranty law- Who to contact
- Alaska Division of Insurance
- Law or program
- Insurance code applies to whole-home warranties
Arizona
Home warranty law- Who to contact
- Arizona Department of Insurance and Financial Institutions
- Law or program
- Service company permit, A.R.S. 20-1095 and following
Arkansas
General service contract law- Who to contact
- Arkansas Insurance Department
- Law or program
- Service Contracts Act (registration)
California
Home warranty law- Who to contact
- California Department of Insurance
- Law or program
- Home protection contracts under the Insurance Code; companies must be licensed
Colorado
Home warranty law- Who to contact
- Colorado Division of Insurance / Division of Real Estate
- Law or program
- Home warranty service contract statutes, C.R.S. Title 12
Connecticut
Home warranty law- Who to contact
- Connecticut Insurance Department
- Law or program
- Home warranty contracts, Conn. Gen. Stat. 38a-320
Delaware
No specific program- Who to contact
- Delaware Department of Insurance and Department of Justice
- Law or program
- Service contracts are not insurance, Del. Code Title 18
District of Columbia
No specific program- Who to contact
- Office of the Attorney General for the District of Columbia
- Law or program
- General consumer protection law
Florida
Home warranty law- Who to contact
- Florida Office of Insurance Regulation
- Law or program
- Home warranty associations, Chapter 634, Florida Statutes
Georgia
General service contract law- Who to contact
- Georgia Office of Commissioner of Insurance and Safety Fire
- Law or program
- Title 33, Georgia Code; surety bond requirement
Hawaii
General service contract law- Who to contact
- Hawaii Insurance Division (Dept. of Commerce and Consumer Affairs)
- Law or program
- Service contract registration, HRS Chapter 481X
Idaho
No specific program- Who to contact
- Idaho Department of Insurance and Attorney General
- Law or program
- No home warranty statute found
Illinois
Home warranty law- Who to contact
- Illinois Department of Insurance
- Law or program
- Service Contract Act, 215 ILCS 152
Indiana
No specific program- Who to contact
- Indiana Department of Insurance and Attorney General
- Law or program
- Rules for home service contracts not confirmed
Iowa
Home warranty law- Who to contact
- Iowa Insurance Division
- Law or program
- Residential service contracts, Iowa Code Chapter 523C
Kansas
No specific program- Who to contact
- Kansas Insurance Department and Attorney General
- Law or program
- Service contracts exempt from insurance regulation, K.S.A. 40-201a
Kentucky
General service contract law- Who to contact
- Kentucky Department of Insurance
- Law or program
- Consumer product service contract registration, 806 KAR 5:060
Louisiana
Home warranty law- Who to contact
- Louisiana Secretary of State / Department of Insurance
- Law or program
- Home service contract providers register, La. R.S. 51:3141–3146
Maine
General service contract law- Who to contact
- Maine Bureau of Insurance
- Law or program
- Home service contracts handled separately from the Service Contract Act
Maryland
No specific program- Who to contact
- Maryland Attorney General, Consumer Protection Division
- Law or program
- Service Contracts and Consumer Products Guaranty Act, Commercial Law Title 14
Massachusetts
Home warranty law- Who to contact
- Massachusetts Division of Insurance and Attorney General
- Law or program
- Service contract provider registration, G.L. c. 175; Chapter 93A
Michigan
No specific program- Who to contact
- Michigan Department of Insurance and Financial Services
- Law or program
- Service contracts are not insurance, MCL 500.125
Minnesota
General service contract law- Who to contact
- Minnesota Department of Commerce
- Law or program
- Service contracts, Minnesota Statutes Chapter 59B
Mississippi
No specific program- Who to contact
- Mississippi Attorney General, Consumer Protection Division
- Law or program
- Consumer Protection Act applies; licensing not confirmed
Missouri
General service contract law- Who to contact
- Missouri Department of Commerce and Insurance
- Law or program
- Service contract provider registration, RSMo 385.300–385.320
Montana
General service contract law- Who to contact
- Montana Commissioner of Securities and Insurance / Department of Justice
- Law or program
- Service contracts, MCA 30-14-1301 to 1304
Nebraska
Home warranty law- Who to contact
- Nebraska Department of Insurance
- Law or program
- Home service contracts are not insurance, Neb. Rev. Stat. 44-102.01
Nevada
General service contract law- Who to contact
- Nevada Division of Insurance
- Law or program
- Service contract registration, NRS Chapter 690C
New Hampshire
Home warranty law- Who to contact
- New Hampshire Insurance Department
- Law or program
- Consumer guaranty contracts, RSA 415-C
New Jersey
No specific program- Who to contact
- New Jersey Division of Consumer Affairs
- Law or program
- Service Contracts Act, N.J.S.A. 56:12-87 and following (not insurance)
New Mexico
Home warranty law- Who to contact
- New Mexico Office of Superintendent of Insurance
- Law or program
- Service Contract Regulation Act, NMSA 59A-58
New York
Home warranty law- Who to contact
- New York Department of Financial Services
- Law or program
- Service contracts, Article 79 of the Insurance Law; providers must register
North Carolina
No specific program- Who to contact
- North Carolina Attorney General, Consumer Protection Division
- Law or program
- Home service agreements, G.S. 66-371 to 66-373
North Dakota
Home warranty law- Who to contact
- North Dakota Insurance and Securities Department
- Law or program
- Property service contracts exempt from the insurance title
Ohio
No specific program- Who to contact
- Ohio Attorney General, Consumer Protection Section
- Law or program
- Home service contracts are not insurance, R.C. 3905.422; Consumer Sales Practices Act applies
Oklahoma
Home warranty law- Who to contact
- Oklahoma Insurance Department
- Law or program
- Service Warranty Act, Title 15, section 141.1 and following
Oregon
Home warranty law- Who to contact
- Oregon Division of Financial Regulation
- Law or program
- Service contracts, ORS 646A.150 and following
Pennsylvania
No specific program- Who to contact
- Pennsylvania Attorney General, Bureau of Consumer Protection
- Law or program
- Not regulated by the Insurance Department; consumer protection law applies
Rhode Island
General service contract law- Who to contact
- Rhode Island Department of Business Regulation
- Law or program
- Consumer service contracts, R.I. Gen. Laws 6-57
South Carolina
General service contract law- Who to contact
- South Carolina Department of Insurance
- Law or program
- Service contracts, S.C. Code Title 38, Chapter 78
South Dakota
No specific program- Who to contact
- South Dakota Division of Insurance
- Law or program
- Service agreements exempt from insurance regulation, SDCL 58-1-3
Tennessee
No specific program- Who to contact
- Tennessee Department of Commerce and Insurance
- Law or program
- Reviewed case by case under T.C.A. 56-7-101
Texas
Home warranty law- Who to contact
- Texas Department of Licensing and Regulation
- Law or program
- Residential service companies, Occupations Code Chapter 1303
Utah
Home warranty law- Who to contact
- Utah Insurance Department
- Law or program
- Home protection service contracts, Utah Code Title 31A, Chapter 6a
Vermont
General service contract law- Who to contact
- Vermont Department of Financial Regulation
- Law or program
- Service contracts, 8 V.S.A. 4247–4250
Virginia
Home warranty law- Who to contact
- Virginia Department of Agriculture and Consumer Services
- Law or program
- Home Service Contract Providers, Va. Code 59.1-434.1 and following
Washington
General service contract law- Who to contact
- Washington Office of the Insurance Commissioner
- Law or program
- Service contracts, RCW 48.110
West Virginia
No specific program- Who to contact
- West Virginia Offices of the Insurance Commissioner
- Law or program
- Warranties and service contracts exempt, W. Va. Code 33-4-2
Wisconsin
Home warranty law- Who to contact
- Wisconsin Office of the Commissioner of Insurance
- Law or program
- Warranty plans (Ins 15.01) and service contract providers, Wis. Stat. 616.54
Wyoming
General service contract law- Who to contact
- Wyoming Department of Insurance
- Law or program
- Service contracts, W.S. 26-49-101 and following
This guide is general information, not legal advice. State laws and agency roles change; confirm current requirements directly with the agency for your state. Paradox M LLC is not a seller or provider of home warranty plans.
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