Last reviewed: 17 September 2026

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Mississippi deregulated home warranties and tightened vehicle service contracts, in the same statute

Most states covered in this Library either regulate both a home warranty and a vehicle service contract as insurance, or exempt both from the insurance code the same way. Mississippi Code § 75-24-91 does something less common: it draws the line differently for each product, in the same section of law.

A home warranty: explicitly not insurance, and Title 83's old chapter is gone

Section 75-24-91 defines "service contract," "home warranty," and "home service contract" together, as a contract for separately stated consideration to repair, replace, or maintain property (or reimburse the owner for doing so) when an operational or structural failure is due to a materials or manufacturing defect or normal wear and tear. The statute is direct about what that means for regulation: marketing, selling, issuing, or administering a home warranty "is not a contract of insurance under Mississippi law and is exempt from the provisions of Title 83" — the state's Insurance Code. Mississippi's insurance code previously had a dedicated Home Warranties chapter covering this same purchased-service-contract product — Title 83, Chapter 57 — enacted in 1988 and repealed in 2003; today's home warranty is governed by general commercial and consumer-protection law instead of a warranty-specific insurance regime. That repealed chapter is a completely different thing from Title 83's still-active Chapter 58, the New Home Warranty Act: a mandatory, non-waivable builder-defect warranty on newly built residential construction (broadly comparable to the statutory new-home programs our Canada coverage documents for Tarion and similar plans), not a discretionary, purchased home-systems service contract. The two shouldn't be conflated just because both use the words "home warranty."

Instead: the Mississippi Consumer Protection Act

Section 75-24-91 states plainly that a home warranty "shall be subject to the provisions of the Mississippi Consumer Protection Act, Section 75-24-1 et seq." That's the state's general deceptive-trade-practices statute, enforced by the Mississippi Attorney General's Consumer Protection Division — not a dedicated warranty regulator, and not the Mississippi Insurance Department. A Mississippi home warranty buyer with a complaint about misleading marketing or contract terms has a real, checkable statutory route, just not one that runs through an insurance-specific licensing or claims-conduct framework the way it would in a state like California or Florida (both covered elsewhere in this Library).

Vehicle service contracts are the exact opposite: left inside the Insurance Code

The same section that deregulates a home warranty is explicit that "nothing contained herein shall repeal or alter the regulation of vehicle service contracts currently defined and regulated under Section 83-65-101 et seq." That chapter — Title 83, Chapter 65, "Regulation of Vehicle Service Contracts" — is a full insurance-code framework specifically for vehicle service contracts, separate from a manufacturer's own warranty. Section 83-65-109 requires that a reimbursement insurance policy backing a vehicle service contract conspicuously state that the insurer will provide, on the provider's behalf, all services the provider is contractually obligated to deliver under its vehicle service contracts — a specific disclosure requirement inside the policy itself, not just the consumer contract. So in Mississippi, the two products this Library tracks side by side went in opposite regulatory directions: home warranties moved out of the Insurance Code into general consumer-protection law, while vehicle service contracts stayed fully inside it, with a real backing-disclosure requirement attached.