Sheet 13 of 50 · ID

Home warranty rules in Idaho

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. Idaho'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

not confirmed in this build

Statute or program

Idaho Code 41-114A

The statute's word

service contract

Regime

the statute says these contracts are not insurance, and we found no state filing for them

Roster

not confirmed in this build

Roster as of

no list, so no date

The rules, in plain words

Marketing, selling, issuing and administering service contracts is exempt from Title 41, the insurance code. Source.
Service contracts are instead subject to the Idaho Consumer Protection Act (Title 48, Chapter 6). Source.
The Department of Insurance tells consumers to contact the Attorney General's office about most service contracts. Source.

The roster

No roster of home service contract companies published by Idaho 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.