Last reviewed: 15 September 2026
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United States
Every Library page and Register finding covering US home warranty and vehicle service contract regulation, in one place — state by state. See Canada instead.
Home warranty
a class="card" href="/us/home-warranty/how-home-warranties-work/">How home warranties work (US)It's a service contract, not insurance — how coverage, exclusions, and state-by-state regulation actually work.Texas home warranty regulationNo insurance-code license here — since 2021, Texas runs home warranty companies through one broader "service contract provider" chapter at TDLR.Florida home warranty regulationA $750,000 net-worth floor, a funded reserve or insurance requirement, and a statutory 10-day cancellation right — Florida's law is specific, not just general consumer protection.How home warranty claims get processedStep by step, from filing to payout or denial — plus the specific denial patterns behind most real complaints.California warranty regulationA home warranty and a vehicle service contract are two separate insurance-code categories in California, with different financial-backing rules for each.If your warranty company goes out of businessThe state guaranty fund most people assume exists usually doesn't apply here. Here's the mechanism that's actually supposed to protect you.Arbitration clauses explainedWhy a mandatory arbitration clause holds up under federal law, who actually pays for it, and what it typically doesn't take away from you.New York service contract regulationNo separate "home warranty" law at all — one statute registers a provider no matter what product it covers, with three different ways to prove it can pay claims.Illinois Service Contract ActIllinois doesn't split home and auto warranties into separate categories the way California does — one law covers both.Arizona home warranty regulationNo dedicated law at all until 2018 — a $100,000-bonded permit system, still exempt from full insurance licensure.Transferring a warranty when you sellNo law generally forces a provider to allow a transfer — but a growing list of states requires the terms be disclosed in writing before you buy.Washington service contract regulationOne chapter covers home warranties, vehicle service contracts, and even rustproofing add-ons — rewritten four times since 1999.Nevada service contract regulationHome warranty protection plans weren't clearly covered until a 2019 law change. Now a provider can prove it can pay claims three very different ways.Ohio home service contract regulationOhio repealed its old insurance-department Home Warranty Act in 2004 and never replaced it — home warranties now sit under ordinary consumer-sales law instead.New Jersey warranty regulationA mandatory statutory warranty on nearly every new home, and a completely separate bond-based law for purchased service contracts — run by two different state offices, neither one insurance.Georgia service contract regulationOne insurance-code section covers both products — and requires insurance-backing with no alternative for a car warranty, but lets a home warranty use a $100,000 surety bond instead.Magnuson-Moss informal dispute settlementThe federal warranty dispute-resolution rule most people have heard of usually doesn't reach a home warranty or vehicle service contract at all. Here's why.Oklahoma home warranty regulationThe same Insurance Commissioner enforces three separate laws for home warranties, auto/retail service warranties, and theft-deterrent vehicle protection products — each with its own registration track.
Auto / vehicle service contracts
a class="card" href="/us/auto-warranty/extended-warranty-vs-manufacturer-warranty/">Extended warranty vs. manufacturer warrantyAn "extended warranty" is legally a service contract, not a warranty — the FTC says so directly. Here's why that matters.Reading a vehicle service contract's exclusionsWhat almost every exclusions list contains, and the state rules requiring a provider to disclose who's actually backing the promise.Recall vs. known-defect exclusionA safety recall is a federally mandated free fix. A service contract's "known defect" exclusion is a different, generally lawful thing tied to a technical service bulletin.Missouri vehicle service contract regulationAn unbacked provider has to print it: state law requires the exact phrase "backed only by the full faith and credit of the provider" when there's no insurance policy behind the contract.FTC Used Car Buyers Guide & service contractsA single federal window-sticker rule applies to every used-car dealer in the US — and by the FTC's own rule, what it says can legally override your separate sales contract.Vehicle protection products vs. service contractsA theft-deterrent "vehicle protection product," a GAP waiver, and a vehicle service contract are three legally distinct categories, not three names for one thing.