90DayWarrantyValidation.com is an independent educational reference. We do not sell, broker, administer, underwrite, register, activate or validate home warranties, inspection warranties, home service contracts or insurance of any kind. We are not affiliated with, endorsed by, or an agent of any warranty company, warranty administrator, insurer, home inspection firm or franchise, real estate brokerage or trade association. We offer no services. If you are trying to activate, register or make a claim on a warranty, the company named on your own paperwork is the only party who can help you.
Why this site exists
Home buyers are handed three different documents that all appear to promise the same thing and do not. A home inspection report describes the condition of a house on one day. A homeowners insurance policy pays for sudden accidental damage. A home warranty — legally a home service contract in most states — pays to repair or replace certain components when they fail from ordinary use. The gaps between the three are where expensive surprises live, and almost nothing published about them is written by someone with no product to sell.
This site describes coverage structurally: what the contract language actually says, which exclusions decide the outcome, what a home inspector's Standards of Practice require and forbid, and which specialist you need when the general inspection stops. We do not rate or rank companies, we do not publish prices as though they were facts, and we do not accept payment to say anything.
How the content is built
Coverage descriptions are drawn from published sample contracts, state statutes and administrative codes, insurance department and real estate commission guidance, the ASHI and InterNACHI Standards of Practice, federal rules including the Real Estate Settlement Procedures Act and the residential lead-based paint disclosure requirement, and reported litigation and regulatory actions. Where sources disagree, we say so rather than picking a winner. Where a figure would go stale, we describe the structure instead of quoting the number.
Editorial rules we hold ourselves to
Four rules govern everything published here, and they are worth stating openly because they explain why this site reads differently from most of what ranks alongside it.
We do not rank companies. Provider comparison content in this industry is overwhelmingly affiliate-funded, and the ranking usually reflects commission rather than contract quality. We describe how contracts are structured — the grant of coverage, the exclusions that qualify it, the caps that limit it — because that structure is what actually decides a claim, and it is stable enough to be worth learning. Where a specific provider's published contract illustrates a pattern well, we may cite it as an example, with no evaluative claim attached.
We do not publish prices as facts. Premiums, service call fees and caps move every year and vary by state, tier and home. A page built around a number is wrong within twelve months and misleading for the rest of its life. We explain what drives cost instead, which is more useful and stays true.
We say when something is a bad deal. A reference that only flatters its subject is not a reference. Some coverage is genuinely worth buying, some is close to worthless for the household buying it, and several widely-sold add-ons exclude the most common cause of the failure they appear to cover. We say so.
We record disagreement rather than resolving it. Courts have split on how some policy language works. Standards bodies differ. State law diverges sharply. Where the sources genuinely conflict, we tell you they conflict instead of picking the tidier answer.
Who this is for
Primarily, buyers under a deadline — someone holding an inspection report with three days left in a contingency period, trying to work out which findings actually matter and which of them any product will ever pay for. It is also written to be useful to the agent, attorney, adjuster or inspector reading over that buyer's shoulder, which is why the pages cite standards of practice and statutes rather than gesturing at them.
It is not written for the industry, and it is not written to generate leads. There is no quote form on this site, no comparison widget, no phone number that routes to a sales desk, and no arrangement under which anyone pays for placement or coverage here.
Corrections
If something here is wrong, we would rather fix it than defend it. Corrections supported by a primary source — a contract clause, a statute, a regulator's page, a standard of practice — get handled fastest. Use the contact page.
What this site is not
Nothing here is legal, insurance, tax or financial advice, and reading it creates no professional relationship of any kind. Contract terms vary by provider, by plan, by state and by year, and the only document that governs your situation is the one you actually signed. Statutes and regulations change, sometimes significantly, and coverage descriptions here are generalizations about common industry practice rather than statements about any particular contract. Always read your own documents and consult a licensed professional in your state before acting on anything you read here.