Editorial & Corrections Policy

PlainWarranty compares 19 national home-warranty companies using only public, independently verifiable data. This page explains how our pages are produced, the standards they're held to, how the Reliability Score is computed, and how to report a figure that looks wrong so we can fix it at the source.

How these pages are produced

Every figure on PlainWarranty originates in a public record. We collect each company's Better Business Bureau profile (letter rating, accreditation, complaints closed in the last 3 years and 12 months, customer-review average and count) and its Trustpilot TrustScore and review count; we record state home-warranty regulation, licensing, and complaint-filing channels from state Departments of Insurance and Attorneys General; we use U.S. Census Bureau figures for population and homeownership; and we build coverage matrices from each company's published plan documents. The data is loaded into a database and rendered into company, ranking, state, coverage, guide, and tool pages with shared templates. We do not hand-type figures and we do not invent values, if a figure isn't available from the source, the page omits it.

How the Reliability Score is computed

Each company's Reliability Score (0–100) is a transparent, reproducible blend of three independent reputation signals: its BBB letter rating (45%), its BBB customer-review average (25%, counted only with at least 5 reviews), and its Trustpilot TrustScore (30%, counted only with at least 5 reviews). When a signal is missing, the remaining weights are re-normalized; a company with no reputation signal at all is shown as "Not rated" rather than guessed. We deliberately exclude raw complaint counts from the score because they scale with company size, we show them separately, clearly labeled, for context. The full method is on our methodology page.

Independence

PlainWarranty does not sell home warranties, accept paid placements or sponsored rankings, or earn affiliate commissions from any company listed. Rankings and scores are computed directly from public data and cannot be bought. Our only revenue is contextual display advertising, which never influences which companies we cover or how we present them.

What we do not do

We do not fabricate complaint records, reviews, awards, credentials, or data sources. Home-warranty companies are not regulated by the federal Consumer Financial Protection Bureau, so we use no CFPB data and never imply that we do. We surface aggregate review scores published by the BBB and Trustpilot; we do not host or solicit our own customer reviews.

Update cadence

BBB profiles, Trustpilot scores, state filings, and plan documents change at the source at different cadences. We refresh our database periodically and stamp each company page with the date its reputation data was retrieved. Because plans, fees, and terms can change between refreshes, always verify current terms directly with the company before purchasing.

Reporting a correction

If a figure attributed to a company looks wrong, email corrections@plainwarranty.com. We re-check the value against the source record and, if it's wrong, correct it at the source and re-render, or remove it if it can't be verified. Companies that believe a figure about them is inaccurate can use the same channel.

Who is responsible

PlainWarranty is an independent publisher, which is responsible for the site's editorial standards, methodology, and corrections. See our about page for more.