Home warranties and vehicle service contracts, checked against real regulation — not a marketing page
A home warranty or vehicle service contract is not insurance. It's a contract, regulated state by state in the US and province by province in Canada, sold in an industry whose single most common complaint is a claim denied over fine print almost no one reads before signing. We check real providers against the actual licensing rules and disclosure requirements that apply, and report what we find honestly — no paid rankings, no pay-to-list badge.
Record snapshot
- Records checked33
- Full reviews completed0
- Currently listed (passing)0
- Records checked, US / Canada18 / 15
Records checked: every provider whose public records we have started checking against our standard, even where some points could not be confirmed. Full reviews completed: providers where every applicable point was checked and ended as pass, fail or not applicable, with none unknown and none on hold. Listed (passing) means a full review completed with every applicable point passing, on independent, primary-source evidence.
No paid placements, no pay-to-list badge — ever.
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All guides →United States
How home warranties actually work
It's a service contract, not insurance — and whether it's regulated like one depends entirely on which state you're in.
Canada
How home warranties work in Canada
Ontario's Tarion and similar provincial programs are not the same thing as a purchased home-systems warranty — the two get confused constantly.
Auto
Extended warranty vs. manufacturer warranty
An "extended warranty" is legally a service contract, not a warranty at all — the FTC says so directly, and it changes who's actually on the hook.
What you can use here today
Check a provider →State and provincial guides to how home warranties and vehicle service contracts are regulated, plus our published standard and the Register of provider records we have checked against licensing and disclosure rules. These are contracts, not insurance, and no one pays to be ranked or listed.
So far: 33 provider records checked, 0 full reviews completed, none listed yet.
- Records checked
- 33
- Full reviews completed
- 0
- Providers listed (passing)
- 0
- Paid placements
- 0, by policy
What that means in practice
- No paid rankings
- Every finding checked against a regulator's own record, not a provider's claim
- A failing verdict never named — only a passing one
- No paid "verified provider" badge, at any price
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Recently updated
All updates →November 11, 2026
Missouri service contract regulation
Missouri's service contract law, RSMo 385.300 to 385.320, excludes warranties on a home's systems, appliances and structure. What it covers and requires.
November 4, 2026
Florida service warranty associations
Florida licenses service warranty associations under chapter 634, Part III. What the statute says about deposits, reserves, contract terms and refunds.
October 28, 2026
Hawaii service contract regulation
Hawaii service contract providers register with the insurance commissioner under HRS chapter 481X. What the law says about backing, contract terms and refunds.