Is This Home Warranty Notice Legit?

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If you're holding a letter, postcard, or have a missed call about a home warranty and aren't sure if it's real, this page is the 5-minute checklist. We're independent — we are not the company that sent you the notice — so we can give you a straight answer about how to verify it.

5-minute verification checklist

  1. Check the small print. Look for "advertisement," "this is not a bill," or marketing disclaimers.
  2. Search the company name in quotes on a search engine. A real home warranty provider has a company website, an address, and reviews.
  3. Look up the phone number printed on the notice. Use our phone lookup to see if it's a known marketing number.
  4. Ask for a written quote by email. A real provider will send one. A scam typically refuses or pushes you to "act now."
  5. Never give Social Security numbers, full bank account numbers, or your warranty deed over the phone or by mail in response to an unsolicited notice.

What "legit" actually looks like

  • You can read the entire contract (covered systems, exclusions, coverage caps, service-call fee) before paying.
  • Pricing is published — you don't have to call to find out the cost.
  • You can cancel within a refund window, usually 30 days, for a full refund.
  • You can start a real home warranty online for $99 today with no inspection required.

If something feels off

Trust your gut. If a letter or caller is using urgency, refusing to send anything in writing, or asking for sensitive information up front, it's a no.

Report concerns to the FTC at reportfraud.ftc.gov and your state attorney general's office.

Frequently asked questions

How can I tell if a home warranty notice is real?

Real home warranty providers publish pricing, send written quotes, and never require you to give Social Security numbers or full bank details just to confirm coverage. If a letter or call uses urgency ("final notice," "24 hours"), refuses to send a written quote, or asks for sensitive information up front, treat it as marketing or a scam.

Do home warranty companies really send letters?

Yes — many home warranty companies use direct mail as marketing. The letter is usually legal, but the urgent wording is designed to make it look like a deadline on something you already own. You can ignore it.

Is a phone call about my expiring home warranty real?

Often no. If you don't have a home warranty, you can't have one expire. If you do, your real provider already has your plan and policy number — they don't need you to confirm your address before talking to you.

How do I start a real home warranty?

You can start a real home warranty online for $99 today with no inspection required. Coverage protects HVAC, plumbing, electrical, water heater, refrigerator, dishwasher, oven, washer, and dryer.

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