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2019 State Licensing Guide

In 2017, Compare Home Warranty Quotes launched the inaugural State Licensing Guide as a tool to consumers to better help them track down the regulating authority within their state should they have a complaint with their home warranty provider.

Since then, in addition to updating links and relevant laws, we have built upon the guide to also include contact information for each regulating entity by state.

Please note: This research has been conducted independently by Compare Home Warranty Quotes. If we have missed something, or if a link, contact number or email is no longer working, please contact us at feedback@comparehomewarrantyquotes.com.

State Licensing for Home Service Contracts by State

Each state has its own regulations in the way it oversees service contract companies.

It is important to note the difference between state licensing and state registration:

  • Licensing requires a company to meet designated criteria, and sometimes there are competency exams or certifications that must be passed and obtained before being authorized to do business in a given state.

  • Registration, on the other hand, typically includes completing a form and paying a fee, but it does not guarantee a level of competency or that certain standards have been met.

The contact information outlined below is a great starting point for connecting with home service contract licensing resources by state:

Alabama:

Compare Home Warranty Quotes Alabama state page.

The Alabama Department of Insurance requires all service contract providers to register with the Commissioner of Insurance. On the Alabama Department of Insurance website, consumers can search companies that hold active licenses to sell service contracts in the state, and this is also where they can go to file a complaint. Review the Alabama Policyholder Bill of Rights here.

To contact the Alabama Department of Insurance:

  • Address: 201 Monroe Street, Suite 502, Montgomery, Alabama 36104
  • Mailing Address: P.O. Box 303351, Montgomery, AL 36130-3351
  • Phone: 334-241-4141 (8 AM to 5 PM) | 334-240-4431 (AFTER HOURS)
  • Email: ConsumerServices@insurance.alabama.gov

Alaska:

Compare Home Warranty Quotes Alaska state page.

The Alaska Department of Law Consumer Protection Unit has several viable resources for filing claims and connecting with regulating authorities within the state.

To contact the Alaska Department of Law Consumer Protection Unit:

Arizona:

Compare Home Warranty Quotes Arizona state page.

All service contract companies must obtain and annually renew a permit from the Arizona Department of Insurance in order to do business there.

To contact the Arizona Department of Insurance:

Arkansas:

Compare Home Warranty Quotes Arkansas state page.

The Arkansas Insurance Department has a specific resource page dedicated to home service contracts.

To contact the Arkansas Insurance Department:

California:

Compare Home Warranty Quotes California state page.

The California Home Service Contract Association represents the most respected providers of home service contracts in the state of California. The State of California’s Department of Consumer Affairs and Consumer Information Center is a licensing entity, regulator, and an education resource.

To contact the California Department of Consumer Affairs:

  • Address: 1625 North Market Blvd., Suite N-112, Sacramento, CA 95834
  • Phone: 800-952-5210
  • Email: dca@dca.ca.gov

Colorado:

Compare Home Warranty Quotes Colorado state page.

The Office of Attorney General's Consumer Protection Section is responsible for regulating industries and professions and protecting Colorado consumers from deceptive trade practices and other violations.

To contact the Department of Regulatory Agencies:

Connecticut:

Compare Home Warranty Quotes Connecticut state page.

The Connecticut Department of Consumer Protection is the regulating authority for a variety of businesses and practices in the state.

To contact the Connecticut Department of Consumer Protection:

  • Address: 450 Columbus Boulevard, Suite 901, Hartford, Connecticut 06103-1840
  • Phone: 860-713-6100
  • Email: dcp.complaints@ct.gov

Delaware:

Compare Home Warranty Quotes Delaware state page.

Delaware is one of those states that does not have a clear regulating authority within the home service contract industry. Although, through the Delaware Department of Insurance consumers can file a complaint to the Insurance Commissioner's Consumer Services Division.

To contact the Delaware Department of Insurance:

Florida:

Compare Home Warranty Quotes Florida state page.

The Florida Office of Insurance Regulation oversees home warranty contracts and companies for the state.

To contact the Florida Office of Insurance Regulation:

Georgia:

Compare Home Warranty Quotes Georgia state page.

Home warranty companies are not considered insurance companies in the state of Georgia, so they are not closely regulated by the Georgia Department of Insurance. State law requires home warranty companies operating in Georgia to have their own insurance or financial backing, but there is no requirement to check whether or not a company actually has either. The article, "Basic Consumer Law in Georgia: Warranties," is a good resource to contextualize Georgia law surrounding home warranties administered in the state, as well as this 2010 article about home warranty companies operating in the state. The Governor's Office of Consumer Protection is also a good place for Georgians to go for general support services and to file a complaint.

To contact the Governor’s Office of Consumer Protection:

  • Address: 2 Martin Luther King, Jr. Drive, East Tower Suite 356, Atlanta, GA 30334
  • Phone: 404-651-8600
  • Note: You can find a Consumer Complaint Form here.

Hawaii:

Compare Home Warranty Quotes Hawaii state page.

Hawaii's Regulated Industries Complaints Office (RICO) within the Department of Commerce and Consumer Affairs investigates allegations of professional misconduct by licensees and unlicensed activity that occurs within the state. They also have a business services section of their website where consumers can research businesses online and search business and licensee complaint histories; it is also where consumers can go to file a complaint.

To contact the Regulated Industries Complaints Main Oahu Office:

  • Address: State Office Tower, Leiopapa a Kamehameha Building, 235 S. Beretania St., 9th Floor, Honolulu, HI 96813
  • Phone: 808-587-4272

Idaho:

Compare Home Warranty Quotes Idaho state page.

Idaho's Office of the Attorney General offers details of how they classify and license businesses there. Although home service contracts are not specifically listed with the Idaho Department of Insurance, consumers can go there to file a complaint.

To contact the Idaho Department of Insurance Main Office:

  • Physical Address: 700 West State Street, 3rd Floor, Boise, ID 83720-0043
  • Mailing Address: P.O. Box 83720, Boise, ID 83720-0043
  • Phone: 208-334-4319
  • Email: Send an email through the DOI’s website here.

Illinois:

Compare Home Warranty Quotes Illinois state page.

The Illinois Department of Insurance handles the home service contracts industry for the state, and even puts out disclaimers, like this, with warnings of home service contract companies operating illegally or in violation of state regulations.

To contact the Illinois Department of Insurance:

Indiana:

Compare Home Warranty Quotes Indiana state page.

The Indiana Department of Insurance provides consumer resources for home service contracts, including where to file complaints. A history of Indiana law as it relates to home service contracts can be viewed in this bulletin.

To contact the Indiana Department of Insurance, Consumer Service Department:

Iowa:

Compare Home Warranty Quotes Iowa state page.

Iowa is a great example of a state with clear home service contract requirements and a list of registered companies in compliance. A list of licensed residential service contract companies with the Iowa Insurance Division can be found on the Iowa Insurance Division’s website here.

To contact the Iowa Insurance Division:

  • Address: 601 Locust St., 4th Floor, Des Moines, IA 50309
  • Phone: 515-281-5705
  • Email: Contact the IID through this form here.

Kansas:

Compare Home Warranty Quotes Kansas state page.

A good place to start when it comes to home service contract licensing in Kansas is with the Kansas Insurance Department, although it does not appear that they have a licensing or registration convention for the state.

To contact the Kansas Insurance Department:

Kentucky:

Compare Home Warranty Quotes Kentucky state page.

Kentucky also does not have specific licenses or registration proceedings for home service contract companies. The Kentucky Department of Insurance can be contacted to file general complaints.

To contact the Kentucky Department of Insurance:

Louisiana:

Compare Home Warranty Quotes Louisiana state page.

Since 2010, Louisiana has a law requiring the registration of any home service contract provider operating in the state. To qualify as a home service contract provider, an entity must file its organizational documents and demonstrate compliance with one of three financial responsibility requirements: insurance backing the service contract program, file a surety bond with the state's Department of Insurance and maintain a reserve fund to pay future claims, or show evidence of having a net worth of at least $25 million. The application home service contract companies must complete in order to do business in the state of Louisiana can be viewed here.

To contact the Louisiana Department of Insurance:

  • Physical Address: 1702 N. Third Street, Baton Rouge, LA 70802
  • Mailing Address: P.O. Box 94214, Baton Rouge, LA 70804
  • Phone: 225-342-5900

Maine:

Compare Home Warranty Quotes Maine state page.

Maine's service contract providers are regulated by The Service Contract Act, which applies to more than just home service contract companies. Here, home service contracts are not classified as insurance, although registration is done through the Maine Bureau of Insurance.

To contact the Main Bureau of Insurance:

  • Physical Address: 76 Northern Avenue, Gardiner, ME 04345
  • Mailing Address: #34 State House Station, Augusta, ME 04333-0034
  • Phone: 207-624-8475
  • Email: Insurance.PFR@maine.gov

Maryland:

Compare Home Warranty Quotes Maryland state page.

Per the Maryland Department of Labor, Licensing and Regulation, warranties are covered by the Maryland Service Contracts and Consumer Products Guaranty Act. But, typically, the Maryland Home Improvement Commission (MHIC) does not enforce warranties because their authority is limited to investigating whether the initial work was performed in a workmanlike manner. Warranties are only as good as the company that issues them so if the business closes, most consumers are left without a way to enforce the warranty. More information on service contracts in Maryland can be found on the Attorney General's website.

To contact the Maryland Department of Labor, Licensing, and Regulation:

Massachusetts:

Compare Home Warranty Quotes Massachusetts state page.

All home warranty companies doing business in the Commonwealth of Massachusetts must hold a certificate of authority issued by the Division of Insurance. Consumers can verify that a home warranty company is authorized to do business in Massachusetts by contacting the Division of Insurance. Additional information on Homeowners Warranty Contracts and the general laws governing them in Massachusetts can be viewed here.

To contact the Massachusetts Division of Insurance:

  • Address: 1000 Washington Street, Suite 810, Boston, MA 02118
  • Phone: 617-521-7794

Michigan:

Compare Home Warranty Quotes Michigan state page.

Michigan has a Consumer Protection Guide, which lists federal, state, county and local agencies and consumer and business organizations that offer services, advice and assistance for consumers in Michigan. They have had consumer protection laws in place regarding home service contracts for decades, specifically section 445.903a of the Michigan Consumer Protection Act.

To contact the Consumer Protection Division of the Attorney General:

  • Mailing Address: P.O. Box 30213, Lansing, MI 48909-7713
  • Phone: 517-373-1140
  • Email: To fill out a consumer complaint or inquiry form, use this form here.

Minnesota:

Compare Home Warranty Quotes Minnesota state page.

Through the Minnesota Department of Labor and Industry, the state offers a home warranty dispute resolution process with guidelines and resources specific to home service contracts. Each provider of service contracts sold in Minnesota must file a registration with the Department of Commerce.

To contact the Minnesota Department of Labor and Industry:

Mississippi:

Compare Home Warranty Quotes Mississippi state page.

A service contract is not a contract of insurance under Mississippi law and is exempt from the provisions of Title 83, Mississippi Code of 1972. Service contracts are subject to the provisions of the Mississippi Consumer Protection Act, Section 75-24-1. To view the protection act guiding the state or to file a complaint, visit the Office of the Attorney General State of Mississippi website.

To contact the State of Mississippi Office of the Attorney General:

  • Address: 550 High St Jackson, MS 39201
  • Phone: 601-359-3680
  • Email: Use this contact form here.

Missouri:

Compare Home Warranty Quotes Missouri state page.

Missouri does not have specific regulations guiding the home service contract industry. However, general consumer complaints can be filed, and they also have a separate filing process and resources for insurance complaints.

To contact the Division of Consumer Affairs within the Missouri Department of Insurance, Financial Institutions and Professional Registration:

  • Physical Address: 301 W. High St., Room 530, Jefferson City, MO 65101
  • Mailing Address: P.O. Box 690, Jefferson City, MO 65102-0690
  • Phone: 573-751-4126
  • Email: consumeraffairs@insurance.mo.gov

Montana:

Compare Home Warranty Quotes Montana state page.

Montana also appears not to have specific filings or registration requirements for home service contract companies. Alternative resources for the state are the Office of the Montana State Auditor, Commissioner of Securities and Insurance (CSI), as well as the Office of Consumer Protection.

To contact the Montana Office of Consumer Protection:

  • Physical Address: 555 Fuller Avenue, Helena, MT 59601-3394
  • Mailing Address: P.O. Box 200151, Helena, MT 59620-0151
  • Phone: 406-444-4500
  • Email: contactocp@mt.gov

Nebraska:

Compare Home Warranty Quotes Nebraska state page.

There are some laws in place guiding warranties and guarantees issued in the state of Nebraska, but none that are specific to recourse or registration of home service contract companies. A general consumer complaint portal can be found on NebraskaAccess.

To contact Consumer Affairs Division within the Nebraska Department of Insurance:

Nevada:

Compare Home Warranty Quotes Nevada state page.

The state of Nevada defines a service contract as a prolonged warranty offered by a warranty administrator, a retailer or a manufacturer. In Nevada, a service contract is not an insurance policy. However, service contracts and extended warranties are regulated by the Division of Insurance. The Division offers a "Service Contracts Look-up Tool" which contains a listing of licensed service contract providers and each service contract that is approved for use in the state of Nevada.

To contact the Las Vegas Office of Consumer Services Section of the Nevada Division of Insurance:

  • Address: 3300 W. Sahara Ave., Suite 275, Las Vegas, NV 89102
  • Phone: 702-486-4009
  • Email: You can file a complaint here.

New Hampshire:

Compare Home Warranty Quotes New Hamsphire state page.

New Hampshire has a law in place specific to "Consumer Guaranty Contracts." The New Hampshire Department of Justice, Office of the Attorney General offers a Consumer Sourcebook for specifics on service contracts and extended warranties administered in the state.

To contact the Consumer Protection Bureau within the New Hampshire Department of Justice:

  • Address: 33 Capitol Street, Concord, NH 03301
  • Phone: 603-271-3643

New Jersey:

Compare Home Warranty Quotes New Jersey state page.

Service contracts are regulated in the state of New Jersey, but not as insurance. The law provides statutory framework for the regulation of service contracts as they relate to motor vehicle, home and consumer goods. The law is administered by the Division of Consumer Affairs within the Department of Law and Public Safety and it does not require the registration of providers, but it does establish compliance requirements relating to financial responsibility, statutorily mandated terms and conditions and record keeping standards. New Jersey also has approved new home warranty plans and providers.

To contact the New Jersey Division of Consumer Affairs:

New Mexico:

Compare Home Warranty Quotes New Mexico state page.

New Mexico does not appear to have a clear resource center or registration process for home service contract companies. The tracking and monitoring of complaints against businesses operating in the state is done by the New Mexico Attorney General.

To contact the Albuquerque location of the New Mexico Attorney General:

  • Address: 201 3rd St. NW, Suite 300, Albuquerque, NM 87102
  • Phone: 505-717-3500

New York:

Compare Home Warranty Quotes New York state page.

The New York State Department of Financial Services has released several statements from the Office of General Counsel on specific home warranty associations, extended warranties and home warranties and service contracts. In the state of New York, it all boils down to the language in the contract to determine which laws are applicable.

To contact the New York State Department of Financial Services NYC Office:

  • Address: One State Street, New York, NY 10004-1511
  • Phone: 212-480-6400
  • Email: To email a consumer question, use this form here. To file a complaint, use this form here.

North Carolina:

Compare Home Warranty Quotes North Carolina state page.

The North Carolina Department of Justice has specific resources pertaining to home warranties. The Department of Justice is also where consumers go to file a complaint.

To contact the Consumer Protection Division within the North Carolina Attorney General’s Office:

  • Mailing Address: Mail Service Center 9001, Raleigh, NC 27699-9001
  • Phone: 919-716-6000

North Dakota:

Compare Home Warranty Quotes North Dakota state page.

North Dakota does not have a clear registration process or standards for home service contracts being offered in the state. A general consumer complaint can be filed on the North Dakota Insurance Department website.

To contact the North Dakota Insurance Department:

  • Physical Address: 1640 Burnt Boat Dr., Bismarck, ND 58503
  • Mailing Address: 600 E. Boulevard Ave., Bismarck, ND 58505-0320
  • Phone: 701-328-2440
  • Email: insurance@nd.gov

Ohio:

Compare Home Warranty Quotes Ohio state page.

Due to the passage of Ohio House Bill 243, filing with the Ohio Department of Insurance is no longer required for home service contract companies. The home service contract industry goes unregulated in the state; however, Ohio Consumer Protection Laws can be viewed here.

To contact the Ohio Attorney General:

  • Address: 30 E. Broad St., 14th Floor, Columbus, OH 43215
  • Phone: 800-282-0515
  • Email: Submit an electronic inquiry here.

Oklahoma:

Compare Home Warranty Quotes Oklahoma state page.

Service warranty companies are regulated by the Insurance Commissioner in the state of Oklahoma. Filing instructions and the forms required by Oklahoma can be viewed here.

To contact the Oklahoma Insurance Department:

  • Address: Five Corporate Plaza, 3625 NW 56th, Suite 100, Oklahoma City, OK 73112-4511
  • Phone: 405-521-2828
  • Email: A form is available on the website here.

Oregon:

Compare Home Warranty Quotes Oregon state page.

The state of Oregon has a dedicated resource page pertaining to new home warranties issued in the state. This is also where consumers can go to file a complaint. But, complaints in Oregon must be filed directly with a contractor, not a third-party warranty company.

To contact Oregon Consumer Help:

  • Address: 201 High St. SE, Suite 600, Salem, OR 97309-5052
  • Mailing Address: P.O. Box 14140, Salem, OR 97309-5052
  • Phone: 503-378-4621
  • Email: ccb.info@state.or.us

Pennsylvania:

Compare Home Warranty Quotes Pennsylvania state page.

In 2010, Pennsylvania Governor Edward Rendell signed House Bill 1774 into law, which generally excludes "service contracts" from regulation as insurance. But, unlike a number of other states, the law does not set up a separate regulatory scheme for service contracts. Pennsylvania also has a Pennsylvania Unfair Trade Practices and Consumer Protection Law in place.

To contact the Pennsylvania Bureau of Consumer Protection:

  • Address: 15th Floor, Strawberry Square, Harrisburg PA 17120
  • Phone: 717-787-9707
  • Email: To file a consumer complaint online, use this form here.

Rhode Island:

Compare Home Warranty Quotes Rhode Island state page.

The state of Rhode Island does not appear to have a regulating authority or registration process for home service contract companies. There are as it relates to the disclosure of service contract agreements, but not a particular department or law governing home service contracts.

To contact the Office of the Attorney General Consumer Protection Unit:

South Carolina:

Compare Home Warranty Quotes South Carolina state page.

South Carolina has registration requirements and fees for home service contract companies. The home service contract industry is regulated by the South Carolina Department of Insurance.

To contact the South Carolina Department of Insurance:

  • Physical Address: 1201 Main Street, Suite 1000, Columbia, SC 29201
  • Mailing Address: P.O. Box 100105, Columbia, SC 29202
  • Phone: 803-737-6160
  • Email: Use this form here to contact the South Carolina Department of Insurance electronically.

South Dakota:

Compare Home Warranty Quotes South Dakota state page.

South Dakota is one of the remaining jurisdictions where there is limited guidance on the regulation of service contracts. Absent any specific authority, it would appear that the state insurance code would apply by default – especially the provisions concerning what constitutes a contract of insurance or conducting the business of insurance in the state.

To contact the South Dakota Division of Insurance:

  • Address: 124 South Euclid Avenue, 2nd Floor, Pierre, SD 57501
  • Phone: 605-773-3563
  • Email: Use this electronic form here to contact the South Dakota Division of Insurance.

Tennessee:

Compare Home Warranty Quotes Tennessee state page.

Tennessee has Home Improvement Licensing Requirements, but nothing specific to home service contract companies. The Tennessee Department of Commerce and Insurance lists several consumer advocate services and contact information for different divisions based on the issue, but again, nothing specific to home service contracts or the companies administering them.

To contact the Tennessee Department of Commerce and Insurance:

  • Address: 500 James Robertson Parkway, Davy Crockett Tower, Nashville, TN 37243-0565
  • Phone: 615-741-2241
  • Email: consumer.affairs@tn.gov

Texas:

Compare Home Warranty Quotes Texas state page.

TREC, or the Texas Real Estate Commission, is the name of the agency that oversees residential service contracts in the state of Texas. Texas is one of the few states that makes it really easy to find an online list of approved service contract companies. View their complete list of residential service companies licensed to sell residential service contracts in Texas.

To contact the Texas Real Estate Commission:

Utah:

Compare Home Warranty Quotes Utah state page.

The Utah Insurance Department advises consumers with questions about home warranties to contact the Property and Casualty Division of the Utah Insurance Department. Utah also has a Division of Consumer Protection where complaints can be filed.

To contact the Property and Casualty Division of the Utah Insurance Department:

  • Address: State Office Building Ste 3110, Capitol Hill Complex, 350 N. State St., Salt Lake City, UT 84114-6901
  • Phone: 801-538-3805
  • Email: prop-cas.uid@utah.gov

Vermont:

Compare Home Warranty Quotes Vermont state page.

Vermont's Department of Financial Regulation has filing instructions and forms for service contract providers. The Department also provides insurance information for consumers, as well as a place to file a complaint.

To contact the Vermont Department of Financial Regulation:

Virginia:

Compare Home Warranty Quotes Virginia state page.

Effective January 1, 2018, Virginia legislation repeals Article 2, Chapter 26 of Title 38.2 of the Virginia Code and transfers regulatory authority over home service contract providers from the Bureau of Insurance to the Virginia Department of Agriculture and Consumer Services.

To contact the Virginia Department of Agriculture and Consumer Services:

  • Physical Address: 102 Governor Street, Richmond, VA 23219
  • Mailing Address: P.O. Box 1163, Richmond, VA 23218
  • Phone: 804-786-3501

Washington:

Compare Home Warranty Quotes Washington state page.

The Office of Insurance Commissioner for Washington State has a dedicated resource page for warranties and service contracts. The Office also provides a full list of those registered to do business in Washington.

To contact the Office of the Insurance Commissioner for Washington State:

  • Physical Address: 5000 Capitol Blvd., SE, Tumwater, WA 98501
  • Mailing Address: P.O. Box 40255, Olympia, WA 98504-0255
  • Phone: 800-562-6900
  • Email: Use this electronic contact form here.

West Virginia:

Compare Home Warranty Quotes West Virginia state page.

West Virginia does not appear to have a dedicated resource page or regulating authority over home service contracts; however, for general information and to file a complaint, consumers can visit the West Virginia Office of the Insurance Commissioner.

To contact the West Virginia Office of the Insurance Commissioner:

  • Physical Address: 900 Pennsylvania Ave., Charleston, WV 25302
  • Mailing Address: P.O. Box 50540, Charleston, WV 25305-0540
  • Phone: 888-879-9842
  • Email: OICConsumerServices@wv.gov

Wisconsin:

Compare Home Warranty Quotes Wisconsin state page.

The 2011 Wisconsin Act 226 pertains specifically to property service contracts. Although it is not clear where to find a full list of registered home service contract companies, the Wisconsin State Legislature provides definitions guiding the industry and requirements for doing business in the state of Wisconsin.

To contact the Wisconsin State Legislature:

  • Address: Wisconsin State Capitol, 2 East Main Street, Madison, WI
  • Phone: 608-266-0341

Wyoming:

Compare Home Warranty Quotes Wyoming state page.

The Wyoming Department of Insurance oversees service contract registration and forms.

To contact the Wyoming Department of Insurance:

  • Address: 106 E. 6th Ave., Cheyenne, WY 82002
  • Phone: 307-777-7401
  • Email: Use this electronic contact form here.