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State guide · NHNo paid placement

Home warranty
in New Hampshire.

New Hampshire's insurance commissioner registers companies that sell consumer guaranty contracts, the state's term for service contracts on homes, motor vehicles and consumer products.

Regulated as a service contract3 reviewed providers ranked
Photo · R Architecture / Unsplash
Why New Hampshire is different

New Hampshire's insurance commissioner registers companies that sell consumer guaranty contracts, the state's term for service contracts on homes, motor vehicles and consumer products. RSA 415-C says these contracts are not insurance. Registration is renewed by June 14 every year. Since January 1, 2025, companies must also file their contract forms with the Insurance Department within 30 days of first offering them. Financial backing can be a bond with a 40 percent reserve, reimbursement insurance, or a $25 million net worth. Each contract must state its transfer and cancellation terms and tell you that you can contact the New Hampshire Insurance Department if you are not satisfied.

Source: RSA 415-C:1 (definitions; insurance commissioner) (State statute, accessed 2026-10-07) · RSA 415-C:2 (not insurance) (State statute, accessed 2026-10-07) · RSA 415-C:3 (obligor registration) (State statute, accessed 2026-10-07) · RSA 415-C:3-a (contract forms) (State statute, accessed 2026-10-07) · RSA 415-C:4 (fiscal requirements) (State statute, accessed 2026-10-07) · RSA 415-C:6 (contract disclosures) (State statute, accessed 2026-10-07) · New Hampshire Insurance Department news release, November 15, 2024 (State regulator, accessed 2026-10-07)
Coverage-priority context · NH

What breaks in New Hampshire.

Issue 01
Long heating seasons placing extended load on furnaces and boilers
Issue 02
Deep-cold stretches raising burst-pipe risk in basements and crawl spaces
Issue 03
Older housing stock with dated plumbing and electrical
§ 02Best providers in New Hampshireranked by Warranta editorial score · /5 scale · how we score
01
American Home Shield
Homeowners who want broad systems coverage and a choice of service fee.
Score
4.1/5
Read review →
02
Cinch Home Services
Homeowners who want a high total limit and value-added perks and accept a higher deductible.
Score
3.9/5
Read review →
03
Choice Home Warranty
Budget-focused homeowners who want a predictable flat service fee and straightforward plan choices.
Score
3.7/5
Read review →
§ 03Common questions for New Hampshire
When does coverage start after I buy a plan?
When the waiting period in your contract ends. Providers set different lengths. Liberty Home Guard's sample policy starts coverage 30 days after purchase and requires covered items to be in working order that day. American Home Shield's 2024 sample plan agreement shows an initial waiting period of 0 days. Under Liberty's terms, a covered item that breaks on day 20 falls inside that 30-day holding period and is not covered, so read each provider's sample contract before you buy.
Can I buy a plan after something has already broken?
You can buy one, but the two sample contracts we read would not pay for a breakdown you already have. Liberty Home Guard's sample policy "does not cover any known or unknown pre-existing conditions." American Home Shield's 2024 sample plan agreement says a covered breakdown "must occur during the Plan Agreement Term," and it excludes earlier breakdowns that "were either known by you or were reasonably detectable by you."