Last reviewed: 3 October 2026
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United StatesUS state regulation of warranties and service contracts: where to start
This page is a map to our guides on how individual US states regulate home warranties and service contracts, and on questions that come up in many states. It also shows one way to check what you read against the regulator itself. It is navigation, not advice. Each guide ends with its own primary sources.
The short answer
- Start with your state. The table below links to the state guides we have written so far. A state missing from the table may still have rules. We have not written about it yet.
- Names vary. Texas's regulator says service contracts are often called "extended warranties, extended services, extended service agreements and protection plans," and that a consumer has the same protection under the statute no matter what the contract is called.1
- One state's example. Texas regulates service contracts under Occupations Code chapter 1304 and the regulator's rules at 16 Texas Administrative Code chapter 77.1
- Check the regulator yourself. In Texas, the regulator says you can search its Licensing Database for a provider. Other states have their own tools.1
1. Learn the federal baseline first
2. Find your state
This list names the states we have written about so far. A dash means we have no separate guide in that column; one guide can cover both kinds of contract. Absence from the list does not mean a state has no rules. Louisiana has further guides on its new home warranty act, lemon law and redhibition.
3. Questions that come up in many states
4. Check what you learn against the regulator
A guide on this site is a summary. The regulator's own page is the check. As one example, the Texas Department of Licensing and Regulation (TDLR) says you can search its Licensing Database for a provider. You select "Service Contract Providers" as the license type. Providers and administrators are combined in one list.1 TDLR also says you can search its website for a list of final enforcement actions against providers and administrators.1
For your own state, use our verification checklist: how to verify a home warranty company or how to verify a vehicle service contract provider. USAGov also lists each state's consumer protection office.2
The standard explains what we check about providers. The Register reports those checks by category, such as "warranty and service contract providers." Both describe a method. Neither is a recommendation, and neither replaces looking up a license yourself.
How to verify this yourself
- Open the TDLR page (reference 1) and find the questions "What law and rules govern Texas service contracts?" and "How can I determine if a Service Contract Provider or Administrator is registered in Texas?"1
- Each state guide linked above ends with its own reference list. Open the statute or regulator page it cites and read it.
What this page is not
This page is navigation. It adds no new rule of its own. It does not recommend buying or avoiding a warranty or service contract, and it is not legal advice. Laws change and states differ.
What to do next
Pick your state in the table, read its guide, then open the regulator page that guide cites. If your state is missing, start with our verification checklist and your state's consumer protection office.