Terms of service analysis for home warranty and protection plan providers
Home warranty companies consistently employ some of the most restrictive terms in the consumer services industry. Extensive coverage exclusions, pre-existing condition denials, and contractor assignment clauses significantly limit actual coverage. Most policies contain arbitration requirements and class action waivers that restrict consumer remedies when claims are denied.
Market leader with extensive exclusion lists and mandatory arbitration for all disputes.
Pre-existing condition exclusions and strict maintenance documentation requirements.
Clearer coverage terms but still contains significant contractor assignment limitations.
Rebranded HMS with complex claims processes and coverage determination delays.