Home warranty regulation by state

Home warranties are regulated differently in every state, and that determines your recourse if a claim is wrongly denied. 8 of 51 states regulate them as insurance or service contracts.

State	Regulation	Licensing	Companies	Homeownership
Alabama	Partial	Not required	15	69.4%
Alaska	Not regulated	Not required	3	64.2%
Arizona	Regulated	Required	19	65.8%
Arkansas	Partial	Not required	15	65.6%
California	Regulated	Required	16	55.5%
Colorado	Partial	Not required	18	65.2%
Connecticut	Partial	Partial	16	65.7%
Delaware	Partial	Not required	15	69.7%
District of Columbia	Partial	Partial	15	42.0%
Florida	Regulated	Required	17	66.2%
Georgia	Partial	Not required	17	64.3%
Hawaii	Partial	Not required	6	60.7%
Idaho	Not regulated	Not required	19	71.0%
Illinois	Partial	Partial	18	66.3%
Indiana	Partial	Not required	18	69.1%
Iowa	Partial	Not required	16	71.1%
Kansas	Partial	Not required	17	66.3%
Kentucky	Partial	Not required	16	67.4%
Louisiana	Partial	Partial	15	66.6%
Maine	Not regulated	Not required	15	72.6%
Maryland	Partial	Partial	17	66.8%
Massachusetts	Partial	Not required	15	62.5%
Michigan	Partial	Not required	16	72.4%
Minnesota	Partial	Partial	18	71.6%
Mississippi	Not regulated	Not required	15	67.3%
Missouri	Partial	Not required	18	66.8%
Montana	Not regulated	Not required	17	68.0%
Nebraska	Partial	Not required	17	66.4%
Nevada	Regulated	Required	17	56.5%
New Hampshire	Partial	Not required	15	71.0%
New Jersey	Partial	Partial	16	63.8%
New Mexico	Partial	Not required	18	67.5%
New York	Regulated	Required	13	54.1%
North Carolina	Partial	Not required	17	65.9%
North Dakota	Not regulated	Not required	15	62.9%
Ohio	Partial	Not required	18	66.1%
Oklahoma	Partial	Not required	17	66.3%
Oregon	Partial	Partial	19	62.8%
Pennsylvania	Partial	Not required	16	69.0%
Rhode Island	Partial	Not required	15	61.6%
South Carolina	Partial	Partial	16	69.3%
South Dakota	Not regulated	Not required	17	67.7%
Tennessee	Partial	Not required	17	66.5%
Texas	Regulated	Required	19	62.3%
Utah	Partial	Partial	19	70.0%
Vermont	Not regulated	Not required	15	70.8%
Virginia	Partial	Partial	17	66.0%
Washington	Regulated	Required	9	63.0%
West Virginia	Partial	Not required	15	72.3%
Wisconsin	Regulated	Required	11	66.8%
Wyoming	Not regulated	Not required	18	71.4%

Sources: state Departments of Insurance and Attorneys General (regulation & licensing); U.S. Census Bureau, American Community Survey (homeownership).

Compiled byPlainWarranty Editorial, Product Warranties Editorial Team