Sheet 49 of 50 · WV

Home warranty rules in West Virginia

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. West Virginia'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

W. Va. Code 33-4-2

The statute's word

service contract

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

No provision of the insurance chapter applies to warranties, service contracts, or maintenance agreements. Source.
A service contract is a separately priced, fixed-term agreement to repair, replace, or maintain a product after defects or normal wear, and may add power surge or accidental damage cover. Source.

The roster

We found no roster that West Virginia 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

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

Statute: https://code.wvlegislature.gov/33-4-2/

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