Sheet 3 of 50 · AR

Home warranty rules in Arkansas

What the trade sells as a home warranty is, in law, a service contract: a paid promise to repair or replace named home systems and appliances. Arkansas's statute calls it a "service contract". It is not a builder's or manufacturer's warranty and it is not homeowners insurance; the contract you receive governs.

Facts read on state pages; sheet drawn October 16, 2026.

On file with the state

Regulator

Arkansas Insurance Department

Statute or program

Ark. Code Ann. 4-114-101 et seq. (Service Contracts Act); 23 CAR pt. 36 (former Rule 91)

The statute's word

service contract

Regime

companies register or file with the state

Roster

not confirmed in this build

Roster as of

no list, so no date

The rules, in plain words

Each provider must register with the Insurance Commissioner every year by October 1 and pay a $200 fee Source.
A service contract is not insurance and is not subject to the Arkansas Insurance Code Source.
Providers must also file a certificate of compliance and meet the financial requirements of 4-114-104(d) Source.

The roster

No roster of home service contract companies published by Arkansas could be confirmed in this build. If the state starts one, this sheet will print it as the state's own list on its own date. Registration, where a state keeps it, is not a quality rating.

Before you sign, in any state

Ask for the full contract, not the brochure, and read the exclusions page first.
Find the waiting period and the service call fee in the contract itself.
Find the company that pays claims (the obligor) by name, and check that name on the state list if there is one.
Note the cancellation terms and how a refund is figured.

Sources for this sheet

Read the method on how the sheets are made. Corrections go to the publisher and are dated on the sheet.