The 50-state file
Home warranty companies are not regulated by the CFPB, and there is no single national complaint desk. Your complaint goes to the state agency that licenses or polices these companies — and it is a different door in different states. Texas routes them to the licensing department (TDLR), not the insurance department. California and Florida license home warranty companies through their insurance regulators. Find your state below.
Regulators act on patterns and on records. File after (1) your written appeal to the company has failed, and (2) a BBB complaint is on file — then your state complaint carries the whole paper trail. The ladder is laid out in the appeal guide.
| State | Agency | Its role | Notes |
|---|---|---|---|
| Alabama | Alabama Department of Insurance | licenses home warranty companies | Service contracts regulated under Ala. Code ch. 8-32 (Service Contracts Act); providers file with the Department of Insurance. |
| Alaska | Alaska Division of Insurance (Department of Commerce, Community and Economic Development) Being double-checked | takes complaints (no dedicated licensing found) | AS 21.03.021 excludes appliance and residential service contracts from the insurance code; no dedicated licensing regime found — Division of Insurance is the consumer complaint door. |
| Arizona | Arizona Department of Insurance and Financial Institutions (DIFI) | licenses home warranty companies | Home warranty service companies must hold a permit from the Department; contracts filed with and approved by the Department (A.R.S. title 20, ch. 1095 et seq.). |
| Arkansas | Arkansas Insurance Department | licenses home warranty companies | Service contracts regulated under Ark. Code 4-114-101 et seq. (and 4-90-501 et seq.); NAIC-model registration regime administered through the Insurance Department. |
| California | California Department of Insurance | licenses home warranty companies | Home protection companies licensed by CDI under Insurance Code 12740 et seq. (home protection contracts); complaints filed as an online Request for Assistance. |
| Colorado | Colorado Attorney General, Consumer Protection Section | takes complaints (no dedicated licensing found) | Home warranty service contracts are governed by contract-content rules at C.R.S. title 12, art. 61, part 9, but DORA's 2019 sunset review found no regulatory program in place to enforce/administer them; general complaints go to the Attorney General. |
| Connecticut | Connecticut Department of Consumer Protection | takes complaints (no dedicated licensing found) | Residential service contracts are excluded from the insurance code (Conn. Gen. Stat. 38a-320); DCP's Investigations Division oversees guarantees and warranties and takes the complaints. |
| Delaware | Delaware Department of Insurance | takes complaints (no dedicated licensing found) | No dedicated service-contract licensing statute found (FORC category three — guidance limited to an Insurance Department bulletin); Department of Insurance consumer services is the complaint door. |
| District of Columbia | DC Department of Insurance, Securities and Banking (DISB) Being double-checked | takes complaints (no dedicated licensing found) | No service-contract provisions found (FORC category three); DISB is the District's insurance consumer complaint door. |
| Florida | Florida Department of Financial Services, Division of Consumer Services (licensing: Florida Office of Insurance Regulation) | licenses home warranty companies | Home warranty associations are licensed by the Office of Insurance Regulation under Fla. Stat. ch. 634, part II; consumer concerns about warranties are submitted through DFS Division of Consumer Services. |
| Georgia | Georgia Office of Commissioner of Insurance and Safety Fire | takes complaints (no dedicated licensing found) | Service contracts are excluded from the definition of insurance (O.C.G.A. 33-7-6) with no dedicated licensing regime found; the AG's Consumer Protection Division directs insurance-company complaints to the Commissioner of Insurance. |
| Hawaii | Hawaii Department of Commerce and Consumer Affairs (DCCA), Insurance Division | licenses home warranty companies | Service contracts regulated under Haw. Rev. Stat. ch. 481X; providers register with DCCA and complaints are filed with the DCCA Insurance Division. |
| Idaho | Idaho Department of Insurance | licenses home warranty companies | Service contracts addressed in the Idaho Insurance Code (Idaho Code 41-114A, as cited by FORC); Department of Insurance is the registration/complaint door. |
| Illinois | Illinois Department of Insurance | licenses home warranty companies | Service Contract Act, 215 ILCS 152: providers must register with the Department of Insurance (sec. 25) and the Department may examine providers to protect consumers. |
| Indiana | Indiana Department of Insurance | licenses home warranty companies | Service contracts under Ind. Code 27-1-43.2: not insurance except as provided in that chapter, and under the control of the Insurance Commissioner. |
| Iowa | Iowa Insurance Division (Iowa Department of Insurance and Financial Services) | licenses home warranty companies | Residential service contracts regulated under Iowa Code ch. 523C, administered by the Insurance Division. |
| Kansas | Kansas Attorney General, Consumer Protection Division | takes complaints (no dedicated licensing found) | Service contracts are exempted from regulation as insurance (K.S.A. 40-201a); no dedicated licensing found — consumer complaints go to the Attorney General's Consumer Protection Division. |
| Kentucky | Kentucky Department of Insurance | takes complaints (no dedicated licensing found) | Service contracts treated under KRS 304.5-070 (excluded from the insurance code's licensing panoply per FORC category two); Department of Insurance consumer services is the complaint door. |
| Louisiana | Louisiana Department of Insurance | licenses home warranty companies | Since 2010 Louisiana requires registration of home service contract providers with the Department of Insurance (La. R.S. 22:1806.1 et seq., residential). |
| Maine | Maine Bureau of Insurance | licenses home warranty companies | Service Contract Act, 24-A M.R.S. 7101 et seq.: home service contracts are not classified as insurance, but provider registration is done through the Maine Bureau of Insurance. |
| Maryland | Maryland Attorney General, Consumer Protection Division | licenses home warranty companies | Service contracts governed by Md. Code, Commercial Law 14-401 et seq., enforced by the Attorney General's Consumer Protection Division, which takes and mediates the complaints. |
| Massachusetts | Massachusetts Division of Insurance | licenses home warranty companies | Service contract providers for home and consumer goods must register with the Division of Insurance under M.G.L. ch. 175, secs. 149M-149X; home warranty companies/contracts defined at sec. 149F. |
| Michigan | Michigan Attorney General, Consumer Protection Division | takes complaints (no dedicated licensing found) | No service-contract provisions found (FORC category three: Michigan — no provisions); general consumer complaints go to the Attorney General. |
| Minnesota | Minnesota Department of Commerce | licenses home warranty companies | Minn. Stat. 59B.03, subd. 3: each service contract provider must file a registration with the Commissioner (of Commerce) and pay the annual fee. |
| Mississippi | Mississippi Insurance Department | licenses home warranty companies | Service contracts regulated under Miss. Code 83-65-101 et seq. (with other contracts at 74-24-91 per FORC); Insurance Department is the registration/complaint door. |
| Missouri | Missouri Department of Commerce and Insurance | licenses home warranty companies | Service contracts (other than motor vehicle) regulated under RSMo 385.300 et seq., administered by the Department of Commerce and Insurance. |
| Montana | Montana Department of Justice, Office of Consumer Protection Being double-checked | takes complaints (no dedicated licensing found) | Service contracts addressed at Mont. Code 30-14-1301 et seq. within the Consumer Protection Act (title 30, ch. 14), enforced by the Department of Justice's Office of Consumer Protection; no insurance-style licensing found. |
| Nebraska | Nebraska Department of Insurance | licenses home warranty companies | Service contracts fall under the Department of Insurance (FORC cites Neb. Rev. Stat. 44-102.01 for non-motor-vehicle contracts; title 44 is the Insurance Code). |
| Nevada | Nevada Division of Insurance (Department of Business and Industry) | licenses home warranty companies | Service contract providers must be registered with the Division under NRS ch. 690C; the Division expressly invites complaints about service warranty providers. |
| New Hampshire | New Hampshire Insurance Department Being double-checked | licenses home warranty companies | Consumer service contracts regulated under N.H. Rev. Stat. ch. 415-C, administered by the Insurance Department. |
| New Jersey | New Jersey Division of Consumer Affairs (Office of the Attorney General) | takes complaints (no dedicated licensing found) | No general home service contract licensing found (FORC category three covers only vehicle protection product warranties, N.J.S.A. 17:18-19); consumer complaints go to the Division of Consumer Affairs. |
| New Mexico | New Mexico Office of Superintendent of Insurance Being double-checked | licenses home warranty companies | Service contracts regulated under the Service Contract Regulation Law, N.M. Stat. 59A-58-1 et seq., administered by the Superintendent of Insurance. |
| New York | New York State Department of Financial Services | licenses home warranty companies | Service contract providers must register with the Superintendent under Insurance Law art. 79 (sec. 7907) and prove financial responsibility (sec. 7903); consumer complaints are filed with DFS. |
| North Carolina | North Carolina Department of Justice, Consumer Protection Division | takes complaints (no dedicated licensing found) | N.C.'s service-contract statute (ch. 66-370 et seq.) covers motor vehicle and appliance contracts, not residential home warranties; the DOJ's service-contract page directs complaints about service contracts to the Consumer Protection Division (1-877-5-NO-SCAM). The Dept. of Insurance also fields insurance complaints, so the door is partly ambiguous — DOJ is the door that expressly claims service contracts. |
| North Dakota | North Dakota Insurance Department | takes complaints (no dedicated licensing found) | Service contracts on property addressed at N.D. Cent. Code 9-01-21 (exclusion-style scheme, FORC category two); no dedicated licensing found — Insurance Department takes consumer complaints. |
| Ohio | Ohio Attorney General, Consumer Protection Section | takes complaints (no dedicated licensing found) | Home service contracts are consumer transactions under the Consumer Sales Practices Act, not insurance: H.B. 243 removed Department of Insurance oversight and shifted complaint-driven oversight to the Attorney General. |
| Oklahoma | Oklahoma Insurance Department | licenses home warranty companies | Service Warranty Act (36 O.S. 6601 et seq.; residential service warranty associations at 6750 et seq.): home warranty companies must be licensed/authorized by OID, whose complaint form expressly covers service warranty. |
| Oregon | Oregon Division of Financial Regulation (Department of Consumer and Business Services) | licenses home warranty companies | Service contracts regulated under ORS 646A.150 et seq.; providers register with the Division of Financial Regulation, which takes the complaints. |
| Pennsylvania | Pennsylvania Attorney General, Bureau of Consumer Protection | takes complaints (no dedicated licensing found) | No dedicated home warranty licensing found (FORC category three cites only 40 P.S. 477f); consumer complaints go to the Attorney General's Bureau of Consumer Protection. |
| Rhode Island | Rhode Island Attorney General, Consumer Protection Unit | takes complaints (no dedicated licensing found) | No dedicated home warranty/service-contract licensing regime found (Rhode Island is not listed in the FORC survey's licensing categories); general consumer complaints go to the Attorney General. |
| South Carolina | South Carolina Department of Insurance | licenses home warranty companies | Service Contracts Act, S.C. Code ch. 38-78: providers register with SCDOI, and every contract must tell holders to contact SCDOI in a dispute (sec. 38-78-30 disclosure). |
| South Dakota | South Dakota Division of Insurance (Department of Labor and Regulation) | takes complaints (no dedicated licensing found) | No dedicated service-contract licensing found (FORC category three cites only SDCL 58-1-3); Division of Insurance is the consumer complaint door. |
| Tennessee | Tennessee Attorney General, Division of Consumer Affairs | takes complaints (no dedicated licensing found) | No single dedicated home warranty regulator (Tennessee guidance rests on an AG opinion, FORC category three). The Division of Consumer Affairs — transferred from the Dept. of Commerce and Insurance to the Attorney General's Office in October 2019 — takes and mediates consumer complaints; TDCI's earlier home warranty guidance also directed warranty grievances to Consumer Affairs. |
| Texas | Texas Department of Licensing and Regulation (TDLR) | licenses home warranty companies | Residential service contracts (home warranties) are licensed by TDLR as Service Contract Providers under Texas Occupations Code ch. 1304 (formerly ch. 1303); TDLR assumed the program from the Real Estate Commission on Sept. 1, 2021 — the Insurance Department does not regulate home warranty companies. |
| Utah | Utah Insurance Department | licenses home warranty companies | Service contracts regulated under Utah Code 31A-6a-101 et seq. (title 31A is the Insurance Code), administered by the Insurance Department. |
| Vermont | Vermont Department of Financial Regulation | licenses home warranty companies | Service contracts regulated under 8 V.S.A. 4247 et seq. (title 8, banking and insurance), administered by the Department of Financial Regulation. |
| Virginia | Virginia Department of Agriculture and Consumer Services, Office of Charitable and Regulatory Programs (OCRP) Being double-checked | licenses home warranty companies | Va. Code 59.1-434.2: it is unlawful to offer a home service contract unless the provider is registered with the Commissioner (VDACS); OCRP administers the Virginia Extended Service Contract Act (59.1-435 et seq.) and takes the complaints. Not the SCC Bureau of Insurance. |
| Washington | Washington Office of the Insurance Commissioner | licenses home warranty companies | Service contract providers must be authorized by the OIC under RCW ch. 48.110; OIC fined an unlicensed home warranty company $100,000 in 2024 after a consumer complaint. |
| West Virginia | West Virginia Offices of the Insurance Commissioner | takes complaints (no dedicated licensing found) | Service contracts excluded under W. Va. Code 33-4-2 (FORC category two); no dedicated licensing found — Insurance Commissioner takes consumer complaints. |
| Wisconsin | Wisconsin Department of Agriculture, Trade and Consumer Protection, Bureau of Consumer Protection | takes complaints (no dedicated licensing found) | No dedicated home warranty licensing found (FORC cites only Wis. Stat. 616.71 et seq. for motor clubs); general consumer complaints, including warranty disputes, go to DATCP's Bureau of Consumer Protection. |
| Wyoming | Wyoming Department of Insurance | licenses home warranty companies | Service Contracts Act, Wyo. Stat. 26-49-101 et seq. (title 26 is the Insurance Code), administered by the Department of Insurance. |
Agency names and complaint links researched October 2026. Cells marked "Being double-checked" are being re-verified against the agency's own site; the linked agency is the authority. If a link has moved, start from the agency's consumer page and search "complaint".
Included in the $39 WarrantyDecoded Kit
One payment. Yours to keep. For any home warranty company, any plan.