How to Cancel Your Home Warranty

9 steps to cancel your home warranty plan

Ask your home warranty company to explain any cancellation terms or conditions outlined in your contract that are unclear.

Most home warranty providers offer the flexibility to cancel your policy at any time, but you’ll have to follow the process correctly. Here’s how it typically works.

1. Locate the cancellation policy in your contract

The first step is to find and read your contract’s cancellation policy so you understand what the process entails. Most companies outline cancellation terms in sections labeled “Cancellation,” “Termination,” “Refund policy” or “Right to cancel.”

Look for details like:

• Whether you can cancel anytime or only within a certain window (for example, a 30-day intro period)
• Cancellation fees or administrative charges
• Whether you’ll get a full or prorated refund
• Required notice (written request, phone call, online form, etc.)
• Any conditions, such as paying for claims already processed

If you can’t find your contract, check your online account or welcome email, or contact customer service and request a copy before moving forward.

2. Make sure it’s the best time to cancel

After reading your contract’s policy, decide whether canceling in the middle of your plan term is the best idea.

There are some instances when you should avoid or delay canceling your home warranty. For instance, if you’ve recently had claims paid out, some companies will deduct those costs from your refund when you cancel mid-term. You may be better off waiting until your plan year is over and not renewing your contract.

However, if your home systems are aging or you anticipate needing repairs soon, keeping the policy might save you money in the long run. Always weigh the potential cost of future repairs against what you might save by canceling.

3. Contact the home warranty company directly

Almost every home warranty company requires you to call its customer service line to cancel your plan. Calling can be a hassle, but it’s often easier to get what you need immediately by talking to someone. Always get the name of the customer service rep you’ve spoken with in case you need to revisit your request later.

Sometimes, you can cancel through the customer portal or by email. For example, with Liberty Home Guard, you can cancel through the online customer portal, by calling 833-543-9400 or by emailing accounts@libertyhomeguard.com.

Here are the cancellation numbers of some of the biggest home warranty companies.

4. Provide your account information

You can find your contract number in your welcome email, billing statement or online account portal.

When you contact the company to cancel, the customer service representative will verify your identity and pull up your account. Be ready to provide your contract or account number, service address and contact information. Having your documents handy can make the call or request quicker and reduce the chance of delays.

They will likely also ask you why you’re canceling. While you’re not usually required to give a detailed explanation, sharing feedback can sometimes help move the process along.

5. Ask about cancellation fees

Though cancellation fees should be outlined in your contract, always ask your customer service representative to state exactly what you’ll be paying for when you cancel. Most home warranties charge cancellation fees, but the cost depends on when you cancel.

Providers typically give customers a 30-day grace period after signing up during which you can cancel without penalty and receive a full refund (some companies charge a small administrative fee). Since most home warranties have a 30-day waiting period to file a claim, there likely won’t be any claim payouts to subtract from your refund.

After the grace period is over, you’ll run into more fees. Companies commonly charge an administration fee and prorate your refund, minus the cost of any claims you’ve filed. What you owe will vary depending on your state and the particular company.

6. Follow through with any instructions

Complete any requirements the customer service representative described to ensure your cancellation is processed correctly. You may also need to write an official termination letter, so ensure you have the company’s email or mailing address, the date of cancellation, and your policy number and coverage dates.

7. Tell the company where to send your refund

If you’re eligible for a refund, confirm how and where it will be issued. Many companies automatically send refunds back to the original payment method, but some may offer a mailed check or require you to confirm payment details. Ask the representative how much you should expect and how long the refund typically takes to process.

8. Request written confirmation

Ask your representative to send you written confirmation of the cancellation and any information you discussed, including fees, either by snail mail or email. Keep this for your records to avoid any disputes about your cancellation date or any final charges.

9. Watch your bank account

Watch your account for any unauthorized charges, like automatic payments continuing after you cancel your home warranty contract. If that happens, you’ll need to have the charges reversed.

» READ MORE: How much does a home warranty cost?

Alternatives to canceling your home warranty

If you’re unsure about canceling your home warranty altogether, there are alternative routes to consider that may help you retain some of the benefits without losing money.

Transfer your plan

If you’re moving and looking to cancel, you can transfer the plan to a new owner. Most home warranty companies allow you to transfer your warranty to a new homeowner if you’re selling your house. This can add value to your home and make it more attractive to potential buyers.

Contact your provider to find out if a transfer fee applies and what information is required to make the switch.

Reduce your coverage

If you’re looking to reduce the amount you spend on your home warranty, instead of canceling, you may be able to change your coverage. Downgrading to a more basic plan or customizing coverage options could reduce your costs while still protecting essential systems and appliances.

Review your contract or speak with your provider to explore these options.

Wait until your upcoming renewal

In some cases, it may make sense to keep your coverage until the end of your current term and cancel at renewal, especially if your contract charges a cancellation fee or offers little to no refund mid-term. Waiting can help you avoid extra costs while still using the coverage you’ve already paid for.

Check your renewal date and any notice requirements. For example, some companies require you to cancel a certain number of days before the policy renews to prevent automatic billing. Setting a reminder can help ensure you don’t miss the window.

» LEARN MORE: Is a home warranty worth it?

FAQ