Edition of October 16, 2026
Service contract rules and rosters, one record per state
Each state page names the office that oversees vehicle and home service contracts, cites the statute or program, says whether the state publishes a roster of the companies it registers, and prints that roster on the state's own date. Where this edition has not read a state, the page says so.
What this edition records
- Nine states publish a list this index has read. Four of them, Texas, Minnesota, New York and Nevada, are current lists that include vehicle service contract companies. Those four carry the accent in the grid.
- Texas publishes the largest: 582 licenses in TDLR's Service Contract Providers program, 378 providers and 204 administrators, on an open dataset updated September 19, 2026.
- Virginia and Iowa publish home-side lists only. California's file covers goods and appliances and leaves vehicles out. Florida publishes three company types with no export. Wisconsin's list stops at December 31, 2021.
- Eleven states were read and no roster was found. Three more have a list or lookup that was not pulled. Twenty-seven were not read in this edition, and their pages say only that.
- The advertiser on this site, Click 4 Coverage, appears on none of the rosters searched. Its card is therefore absent from every roster page.
The fifty states and DC
Open a tile for the full record.
- AL-unread
- AK-unread
- AZn/cunpulled
- AR-unread
- CA104admins
- CO-none
- CT-unread
- DE-unread
- DC-no page
- FL100+counts
- GA-none
- HI-unread
- ID-unread
- IL-none
- IN-none
- IA68home
- KS-none
- KY-none
- LA-unread
- ME-unread
- MD-unread
- MA-unread
- MI-none
- MN363vehicle
- MS-unread
- MO-none
- MT-unread
- NE-unread
- NV189vehicle
- NH-unread
- NJ-unread
- NM-unread
- NY297vehicle
- NC-unread
- ND-unread
- OH-none
- OK-none
- ORn/cunpulled
- PA-none
- RI-unread
- SC-unread
- SD-unread
- TN-unread
- TX582vehicle
- UT-unread
- VT-unread
- VA28home
- WAn/cunpulled
- WV-unread
- WI336stale
- WY-unread
The numeral is the row count on the state's own list. A dash means no roster was found or the state has not been read; n/c means a list or lookup exists that this edition has not counted.
The rosters read for this edition
One row per state that publishes a list. The count and the date are the state's own.
| State | Regulator | Covers | Rows | As of |
|---|---|---|---|---|
| Minnesota | Minnesota Department of Commerce | vehicle and home | 363 | both lists dated 23-Oct-25 |
| Nevada | Nevada Division of Insurance | vehicle and home | 189 | map layer titled July 2025 |
| New York | New York Department of Financial Services (DFS) | vehicle and home | 297 | current cycle March 1, 2025 to February 28, 2027, read October 16, 2026 |
| Texas | Texas Department of Licensing and Regulation (TDLR) | vehicle and home | 582 | open dataset updated September 19, 2026 |
| California | Department of Consumer Affairs, Bureau of Household Goods and Services (BHGS) | goods and appliances, administrators | 104 | file dated October 1, 2026 |
| Iowa | Iowa Insurance Division | home only | 68 | dataset updated June 4, 2026 (monthly) |
| Virginia | Virginia Department of Agriculture and Consumer Services (VDACS) | home only | 28 | "AS OF 12/30/2025" |
| Florida | Florida Office of Insurance Regulation (OIR) | three company types | 100+ | "current as of 10/15/2026" on the OIR search |
| Wisconsin | Wisconsin Office of the Commissioner of Insurance (OCI) | vehicle and home, 2021 | 336 | data as of December 31, 2021 (2022 report) |
Seven state records in brief
Texas
582
TDLR, Service Contract Providers program. Open dataset 7358-krk7, updated 2026-09-19. Subtypes PROVIDER (378) and ADMIN (204). Expiry stored as text; no status or effective date.
Minnesota
363
Department of Commerce. Two PDFs dated 23-Oct-25: the active service contract provider list, 266 rows, and the vehicle protection product warrantor list, 97 rows. Addresses wrap in both; rows checked by eye.
New York
297
Department of Financial Services. Registration cycle March 1, 2025 to February 28, 2027. The effective date marks the cycle, not a first registration. Vehicle and home mixed.
Nevada
185
Division of Insurance. Published as a map layer titled July 2025, 189 named entries. A 2022 legislative report cited 243 registered providers.
California
104
Bureau of Household Goods and Services, file dated 2026-10-01. 104 administrators, 93 active and 11 delinquent; 14,701 seller locations not counted. Goods and appliances; vehicles excluded.
Florida
100+
Office of Insurance Regulation, three company types, current as of 10/15/2026. Motor vehicle service agreement companies over 100; no export, so counts only.
Wisconsin
336
OCI 2022 directory, data as of 2021-12-31: 248 providers and 88 warranty plans. Later editions return 404. Printed and marked stale.
Reading a roster line
A roster line is short. It gives the name as the company filed it, sometimes a DBA, an address, and in some states a license number and an expiry date. It rarely gives the brand a reader saw in an advertisement. Many vehicle service contracts are sold under one name and owed by another company, the obligor, which is the party that pays claims. The company on the roster is usually the obligor or the administrator, not the seller.
An example from a sample contract read on October 16, 2026: Endurance sells under that name, while its posted sample names Endurance Dealer Services, LLC of Northbrook, Illinois as obligor and administrator. A reader searching a roster for the advertised brand can miss the company that is actually registered. When a state page says a name was searched, it lists every variant tried.
License numbers are not seniority. TDLR does not document that Texas numbers run in order, and New York's effective date is the start of a two-year cycle.
Warranty, service contract, insurance
These are three different things, and the state records keep them apart. A factory warranty comes with a new vehicle from its maker and runs on years and miles, whichever ends first. Confirm against your VIN; the clock starts at first sale; terms vary by model year, trim and market. A vehicle service contract is a separate purchase from a provider, governed by the contract you receive. Insurance is regulated as insurance.
The statutes read for this edition draw the line in different places. Michigan's MCL 500.125 says a service contract is not insurance. Kansas, under K.S.A. 40-201a, takes service contracts out of its insurance code. Indiana's department receives only the reimbursement policies behind them. In California, the companies read describe their vehicle product as mechanical breakdown insurance. Each state page records the line its own law draws, in its own terms.
What a roster cannot tell you
A roster says a company filed. It does not say the company pays claims promptly, keeps reserves beyond the minimum, or treats a canceling customer fairly. None of the states read publishes complaint counts by company. Texas publishes complaint statistics for the program as a whole: 755 complaints, 17 final orders and $183,357.71 in restitution across 533 licensees in fiscal year 2025. That figure describes the program, not any company in it.
Where the rosters stop
Most states publish nothing a reader can search. Eleven were read and no roster was found: Colorado, Georgia, Illinois, Indiana, Kansas, Kentucky, Michigan, Missouri, Ohio, Oklahoma and Pennsylvania. Missouri registers the obligated provider under RSMo 385.200 and publishes no list. Arizona, Oregon and Washington have a permit list, report or lookup that this edition did not pull. Twenty-seven states have not been read at all; their pages name the state insurance department and stop there rather than guess.
Questions about the records
What is a service contract roster?
A list a state regulator publishes of the companies registered or licensed to issue or administer service contracts in that state. It usually prints a name, an address and sometimes a license number and an expiry date. This index prints each roster as the state published it, on the state's own date.
Does a name on a roster mean the company is a good one?
No. Registration is a filing status, not a quality rating. It means the company filed with the state. It says nothing about how the company handles claims, and no state read for this index publishes complaint counts by company.
Why do most tiles show a dash?
A dash means one of two things, and the state page says which: this edition read the state and found no roster, or this edition has not read the state yet. Twenty-seven states are in the second group as of October 16, 2026.
Why is Wisconsin marked stale?
The latest Wisconsin directory that lists service contract providers is in the 2022 Insurance Report, with data as of December 31, 2021. The 2023, 2024 and 2025 editions returned 404 when read on October 16, 2026. The 2021 list is printed with that date and the word stale.
Why does California count only administrators?
The California file from the Bureau of Household Goods and Services covers consumer goods and appliance contracts. The tile counts its 104 service contract administrators, 93 active and 11 delinquent. The 14,701 seller locations in the same file are not counted, because every store location registers separately. Vehicle contracts are not in the file.
Is a vehicle service contract a warranty, or insurance?
Neither, in most states. A factory warranty comes with the vehicle from the maker. A service contract is a separate purchase from a provider, and the contract you receive governs. Some states, Michigan and Kansas among those read here, say in statute that it is not insurance. In California, the companies read for this index sell vehicle coverage as mechanical breakdown insurance, which is an insurance product.
Who pays for this site, and does it change the state pages?
OwnersFirm publishes the site. Click 4 Coverage is a client and pays for a labeled card. The state records, rosters, counts and dates are not changed for the client. Its card is left off every page whose roster it does not appear on.
Why is there no advertising card on the Texas page?
Click 4 Coverage was searched on the Texas roster under that name, under Click for Coverage and under Safety Net Protection, the company behind it, and none appeared. A paid card on a roster page would read as if the advertiser were on the list, so the card stays off until it is.
Lists cut from the records
Each list names its data file, its sort and its tie rule. A list waiting on its data is shown here without a link.
How this index works
Rosters are taken from the state's own publication: an open dataset, a PDF, a portal table or a map layer. Each is printed in full, alphabetically, with the state's as-of date and the pull date. Names are printed as filed. No roster is used to rate a company on this site's state pages, and no state is called strict or weak.
The provider lists elsewhere on the site use a published 100-point rubric built only on what each company prints and on four state rosters. Reviews, cost and customer service are not scored. The arithmetic, the sources, the tie rule and the corrections policy are on the method page.