Paid placement. Click 4 Coverage home coverage is a client of OwnersFirm, which publishes this site and is paid when a reader who arrives from it buys coverage. The card on this page is advertising. Nothing on this page was scored or ordered for it.
front sheet · drawn October 16, 2026
A home warranty is sold as protection for the furnace, the water heater and the kitchen appliances. In law it is a service contract. Some states license the companies that sell it, some take a filing and some keep no record at all. This site prints what each state keeps, on the date the state kept it.
Each tile is one state and the count on its own list of home service contract companies. A dash means we hold no home-side list for that state, either because the state publishes none or because we have not confirmed one. Click a tile for the state's sheet.
Counts are the lists' own counts as read in October 2026. Mixed rosters (New York, Nevada) hold vehicle and home companies together. Texas runs a state service contract program; its sheet says what it covers. California's home protection companies are licensed by the Department of Insurance and are not in the file we hold.
Home only. Every registration on the list read June 30, 2026 as its expiry. Extended service contracts on consumer products are kept on a separate state register.
Residential service contracts only. The dataset prints a company number, name, any trade name and an address for each entry.
Mixed: vehicle and home service contract providers on one table, with effective and expiration dates for the two-year cycle.
Mixed, vehicle and home. The list is published as map pins rather than a table, one pin per provider address.
A statewide service contract program. Its fiscal 2025 report counts 533 licensees, 755 complaints and 17 final orders. Since September 1, 2021, home warranty companies have registered in this same program, after oversight moved from the real estate commission.
Florida keeps home warranty associations as their own company type. The search pages ten names at a time, so the rows are not reproduced here; the sheet links the search.
The file we hold is the consumer affairs bureau's, which covers appliance and electronics service contracts: 104 administrators, 93 active. Home protection companies are a separate license and are not in it.
What it is
A roster is the state's own record of who filed, printed as the state left it: the spelling, the legal suffix, the address. We do not correct a name, merge two entries or drop one.
What it is not
It is not a grade and not an endorsement. No state list we read scores, ranks or comments on a company. Registration is not a quality rating.
The date
Every list carries a date, and the date is part of the fact. A company that filed after the list was printed is not on it; one that left the market may still be. Each sheet prints both dates.
The name to search
The brand on the advertisement is often not the name on the list. The contract names the company that owes you the repair, called the obligor, and that is the name most likely to be on file. Find it in the contract before you search.
Mixed lists
New York and Nevada keep vehicle and home companies on one list without marking which is which. A name on those lists may sell only vehicle contracts. The sheet prints all of them and says so.
Read across the fifty sheets and the states fall into three groups, with a fourth for those we could not confirm.
Licensed. The company needs a license before it sells, usually from the insurance regulator. Florida is an example: no one may offer a home warranty there without a license from the Office of Insurance Regulation, and an association must hold a funded reserve against unearned premiums. California licenses home protection companies through its Department of Insurance.
Registered. The company files with the state and the state keeps the filing. Virginia works this way for home service contracts, through its agriculture and consumer services department rather than its insurance bureau. Louisiana takes registrations through its Secretary of State.
Outside the insurance code. The statute says a service contract is not insurance, and we found no filing requirement for home contracts. Kansas, Maine and Montana are among them. Colorado regulates the contract's contents but registers no one.
Not confirmed. Where we could not read the rule on a state page, the sheet says "not confirmed in this build" and prints nothing in its place. We would rather leave a field blank than fill it with a guess.
Most people meet the question in the month after closing, with new keys and a furnace of unknown age. The age of the housing stock is the next layer of this site, by metro, state and county, from the Census Bureau's American Community Survey. Those lists are on hold until the Census API key is issued.
Until then the useful step is the same everywhere. Before buying any contract on a house you just bought, get the full contract, find the waiting period and the service call fee in it, find the obligor's name, and check that name on your state's list if your state keeps one.
Not in law. It is a service contract: you pay a company to repair or replace named home systems and appliances under the terms printed in the contract. A builder's warranty or a manufacturer's warranty comes with the house or the appliance; a home warranty is bought separately, and the contract you receive governs.
No. A roster records that a company filed with the state as of the list's date. It says nothing about how claims are handled, how fast a technician arrives or how disputes end. Registration is not a quality rating.
Not by that fact alone. Some states license these companies, some take a filing, some keep no register, and some publish nothing even where a filing is required. The sheet for your state says which of those we could confirm on a state page.
Three common reasons: the list is older than the company's filing, the company files under a different legal name from its brand, or the company that pays claims (the obligor) is the one on the list. Look for the obligor's name in the contract and search that name.
Both states keep one list for vehicle and home service contract companies together, and neither list marks which product a company sells. The sheet prints every name and says the list is mixed.
OwnersFirm publishes it. Click 4 Coverage, a client of OwnersFirm, pays for the card labeled Paid placement. No roster row, count or order on this site was paid for, and the client's card does not appear on a roster sheet unless the client is on that roster. Today it is on none.
They are on hold. They come from the Census Bureau's American Community Survey, and the Census API key for this site has not yet been issued. Nothing is printed for them until the numbers are pulled from the source.
Roster lists print in alphabetical order and rank nothing. The one ranked list scores companies on what they publish, by the rubric on the methodology page.
Every fact on a sheet was read on a state page or a state file, and the page is cited beside it. Roster rows come from the state's own list and are printed in alphabetical order. Nothing on a state sheet is scored. The one ranked list uses a 100-point rubric built only on what companies print about themselves and on the state registers; it does not use reviews, prices or customer service. The full method, the sources with their dates, how the site is paid and how to ask for a correction are on the methodology page.
