COMPAREHome Warranty Quotes← Back to homeState guide · Evidence review October 22, 2026
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.
Home warranties are usually treated as service contracts, not insurance. Depending on the state, that means the company may need to:
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. The category counts below include provisional classifications, not verified totals. An insurance exemption alone does not establish that no other program exists.
21
The state has a law or licensing program that names home warranties, home service contracts or residential service contracts.
16
Home warranties fall under a broader law covering service contracts, often with registration, bonding or disclosure rules.
14
We found no home warranty licensing or registration program; general consumer protection laws still apply and the attorney general handles complaints.
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.
49 of 51 summaries still need current-law review. Only the basic Virginia and Florida summaries have recorded reads of supporting statutory provisions. This is not legal approval or a complete review of either state's law.
This summary, its classification and the agency's role still need review against current Alabama law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current Alaska law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current Arizona law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current Arkansas law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current California law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current Colorado law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current Connecticut law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current Delaware law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current District of Columbia law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current Georgia law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current Hawaii law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current Idaho law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current Illinois law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current Indiana law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current Iowa law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current Kansas law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current Kentucky law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current Louisiana law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current Maine law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current Maryland law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current Massachusetts law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current Michigan law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current Minnesota law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current Mississippi law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current Missouri law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current Montana law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current Nebraska law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current Nevada law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current New Hampshire law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current New Jersey law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current New Mexico law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current New York law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current North Carolina law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current North Dakota law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current Ohio law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current Oklahoma law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current Oregon law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current Pennsylvania law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current Rhode Island law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current South Carolina law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current South Dakota law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current Tennessee law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current Texas law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current Utah law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current Vermont law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current Washington law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current West Virginia law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current Wisconsin law. Confirm with the official state resource before relying on it.
This summary, its classification and the agency's role still need review against current Wyoming law. Confirm with the official state resource before relying on it.
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.