Home Warranty by Statethe rosters, each on its own date

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.

Sheet 41 of 50 · SD

Home warranty rules in South Dakota

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. South Dakota's statute calls it a "service agreements or extended warranty plans". 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

The statute's word

service agreements or extended warranty plans

Regime

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

Roster

no published list found

Roster as of

no list, so no date

The rules, in plain words

  1. The Insurance Code (Title 58) does not apply to service agreements or extended warranty plans on consumer goods, expressly including mechanical and electrical systems in single or multi-family dwellings. Source.
  2. The exemption covers failures from defects, normal wear, power surge, or accidental handling damage, and survives incidental cash payments when repair is not feasible. Source.
  3. The Division of Insurance regulates and licenses entities under Title 58 only, so home service contract sellers fall outside its licensing. Source.

The roster

We found no roster that South Dakota publishes for home service contract companies. 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

  1. Ask for the full contract, not the brochure, and read the exclusions page first.
  2. Find the waiting period and the service call fee in the contract itself.
  3. Find the company that pays claims (the obligor) by name, and check that name on the state list if there is one.
  4. 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.

The other sheets