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 47 of 50 · WA

Home warranty rules in Washington

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. Washington'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

Statute or program

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

  1. No one may sell service contracts to Washington consumers without a registration issued by the insurance commissioner. Source.
  2. Registration costs $250 to apply and $200 to renew each July 1, and generally requires audited financials showing at least $200,000 net worth. Source.
  3. OIC says providers must insure contracts with a Washington insurer or risk retention group, and selling unregistered is illegal insurance activity. Source.

The roster

No roster of home service contract companies published by Washington 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

  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