How to Cancel Home Warranty
Stop the auto-renewal and get the refund your contract allows. We write the letter your contract calls for, you sign it on your phone, and we mail it certified. $29, paid when you order.
Here's how to cancel home warranty coverage cleanly: read the cancellation and renewal sections of your contract, close out any open repairs, send notice the way the contract asks, and keep proof of the date. Home warranty contracts tend to have detailed refund formulas and state-by-state rules, so it pays to read them before you send anything.
How to cancel home warranty coverage, step by step
- Find your contract or user agreement. It's usually linked from your account or the welcome email.
- Read the cancellation section for who you notify, how, and the refund formula.
- Read the renewal section. If your plan renews automatically, find out how much notice it needs to stop the renewal.
- Close out or ask about open service requests. Refunds usually subtract the cost of service already provided.
- Send notice the way the contract asks. If it accepts mail, send a signed letter by certified mail.
- Ask for written confirmation and the refund amount, then check that the refund arrives.
Home warranties cancellation guides
Each guide shows how the company takes cancellations, where to send or call, the notice period and fees, with links to its official pages. Letter tags mean we can mail a signed letter for you.
Choice Home Warranty
Letter acceptedCancels by phone or by mail.
Notice: Monthly plans: written notice at least 30 days before the end of the monthly term to stop auto-renewal (per Section G of the user agreement). Otherwise cancel any time.
Refunds, fees and state differences
Here's what the official pages in our home warranty guides say. Your own contract controls.
| Company | Refund rules | Fees | State differences |
|---|---|---|---|
| Choice Home Warranty | Within 30 days of the order date: refund of the paid Agreement Fee less any service costs incurred. After 30 days: pro rata refund for the unexpired term, calculated at the end of the month in which you cancel, less service costs and an administrative fee (lesser of $50 or legal maximum). If service costs exceed the refundable amount, the customer must pay the company the lesser of the shortfall or, for monthly plans, the difference between the annual monthly fee and what was paid that year. | Administrative fee on cancellation after 30 days: Lesser of $50 or the amount permitted by law; California administrative fee after 30 days: Lesser of 10% of the Agreement Fee or $25; Service-cost shortfall (if service costs exceed refundable fees): Lesser of service costs minus fees paid, or (monthly plans) the annual monthly fee minus the amount paid that year | AL, AR, HI, MA, MN, NM, VA, WI, WY: may cancel within 20 days of mailing or 10 days of delivery (HI: 30 and 20 days) for a full refund if no service received; 10% per month penalty on refunds not paid within 45 days (IA 30 days, NM 60 days). AL: up to $25 admin fee after the refund period. AZ: fee capped at lesser of $50 or 10%. IA and WI: fee capped at 10% of amount paid. NV: 20/10-day void right, no administrative or cancellation fee charged. OK: 90% of unearned pro rata fee less service costs. SC: 10% monthly penalty after 45 days. UT: rules on company-initiated cancellation and no admin fee if the company cancels in the first 30 days. VT: 20-day full refund if no service. CA and GA have separate agreements (CA fee lesser of 10% or $25; GA 10% penalty on late refunds). |
The pattern is common across the industry: a fuller refund early in the term, then a pro rata refund later, minus the cost of service you used and an administrative fee. Several states cap that fee or give a longer free-look window, which is why the state column matters.
Stopping auto-renewal
Many home warranty plans renew each year, and some monthly plans roll over on their own. Our Choice Home Warranty guide, for example, says monthly plans need written notice at least 30 days before the term ends to stop auto-renewal. Put the renewal date in your calendar and send notice well before it.
Cancelling when you sell your home
Some home warranties transfer to the buyer. If the warranty was bought as part of a home sale, check who owns it and whether it moves with the house before you cancel. If it's yours and the buyer doesn't want it, cancel effective the closing date and ask for the pro rata refund.
Home warranty or homeowners insurance
A home warranty is a service contract for repairs to systems and appliances. Homeowners insurance covers damage from events like fire or storms. Cancelling one doesn't cancel the other, and a mortgage lender usually requires homeowners insurance but not a home warranty.
What to put in a home warranty cancellation letter
A cancellation letter has one job: make it impossible to argue you didn't ask to cancel. Keep it to one page and include these details.
- Your full name exactly as it appears on the account.
- Your account, member, contract or policy number. If you can't find it, the address and phone number on file help them match you.
- A plain statement that you are cancelling. Use the word cancel, not pause, freeze or downgrade.
- The date you want the cancellation to take effect.
- A request to stop all billing after that date.
- A request for written confirmation, with the email and mailing address where you want it sent.
- Your signature and the date you signed.
Leave out your reasons unless the contract asks for them. A reason gives the company something to argue with or a retention offer to make, and you don't owe one.
Address the letter to the place the contract names for notices. That can be a corporate office, a third-party administrator or your home location, and it is not always the address on your bill. Payment addresses often go to a processing center that never reads mail.
Why send it USPS Certified Mail
USPS Certified Mail gives you a mailing receipt and a tracking number, and the Postal Service records when the letter is delivered. That record is what you point to if the company says it never got your notice.
Some contracts require certified mail. Others only ask for written notice, and certified mail is still the safest way to send it. Some contracts count notice from the day the letter arrives and others from the postmark date. The USPS record shows both.
Regular mail leaves you with nothing to show. A letter can sit in a mailroom, get misrouted or get thrown away, and you have no way to prove when, or whether, it arrived.
When we mail a letter for you, it goes USPS Certified within one business day of your order, and we email you the tracking number. You can follow it on the USPS site until it's delivered. The price is $29, paid when you order.
If they keep charging you after you cancel
Check the dates first. A charge that covers your notice period or the last billing cycle may be allowed by your contract. A charge for a period after your cancellation date usually isn't.
- Contact the company in writing. Say when you cancelled and how, and ask them to refund every charge after your cancellation date. Include your proof.
- If they don't fix it, dispute the charge with your bank or card issuer. Give the cancellation date and send the proof: a copy of your letter and the USPS delivery record, or the confirmation number from your call.
- If charges keep coming, ask your bank whether it can block future payments to that company.
- File a complaint with your state attorney general's consumer protection office. It creates a record, and some companies respond faster once one is filed.
Banks and card issuers set deadlines for disputes, usually counted from the statement date. Don't wait for several months of charges to pile up before you act.
Frequently asked questions
Can I cancel a home warranty at any time?
The contracts we've researched allow it, with the refund depending on timing and the service you used. Check your contract's cancellation section.
Will I get a refund?
Often a pro rata refund minus service costs and an admin fee. Some states cap the fee or require a full refund in a free-look window.
Can CertiCancel cancel my home warranty?
For companies that accept a letter, yes. We write it, you sign on your phone, and we mail it USPS Certified for $29.