Georgia home warranty bonds.
$2,000 flat.
A Georgia company that issues electronic-product or home warranty / service agreements must post a $100,000 surety bond with the Office of Insurance & Safety Fire Commissioner under O.C.G.A. § 33-7-6. Ours is $2,000 flat — the price you see is the checkout price — with one soft credit pull that never affects your score.
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How much does a Georgia home warranty bond cost?
$2,000 at the $100,000 amount, the same for every applicant.
Three steps to filed.
Your warranty filing is waiting on this bond. Here is the whole process — no broker phone tag:
Apply once, online
Business details, owner information, and an effective date. The only extra step is a one-time consent to a soft credit pull.
Approved
Most are approved as soon as you apply. One soft credit pull, never a hard inquiry, and it never affects your score. If it needs a second look, one to two business days at most.
File with the Insurance Commissioner
Pay online and receive the executed $100,000 bond, ready to file with the Office of Insurance & Safety Fire Commissioner. Wet-ink originals mailed whenever the state insists.
What it is and who needs it.
What the bond actually guarantees
Georgia regulates warranty and service-agreement companies — including electronic-product warrantors and home warranty providers — through the Office of Insurance & Safety Fire Commissioner under Title 33. A warrantor must post a surety bond of not less than $100,000 as a condition of doing business in Georgia.
The bond is a consumer-protection guarantee: it stands behind the warrantor’s obligations under the warranty or service agreements it sells. If a warrantor fails to honor valid claims or engages in deceptive practices, harmed consumers can recover against the bond.
It is not insurance for you — if the surety pays a consumer claim, you repay the surety. The Commissioner enforces this: warrantors that fail to post the required $100,000 bond have been ordered to stop selling warranty and service contracts in Georgia.
You need this bond if you're
Claims, renewal, filing, and what sets the price.
If a claim is made
A claim comes from the party the bond protects, the obligee named on the form, when the duty the bond guarantees is not met.
The surety investigates and pays a valid claim, up to the $100,000 bond amount. You then repay the surety: a surety bond is a guarantee of your performance, not insurance for you.
Renewal and term
The premium covers a one-year term from the effective date you choose; a longer term is the same price per year, chosen at checkout.
Renew before the expiry date to keep the bond in force: the license, permit or contract it backs expects continuous coverage.
How to file it
File with the Insurance Commissioner. Pay online and receive the executed $100,000 bond, ready to file with the Office of Insurance & Safety Fire Commissioner. Wet-ink originals mailed whenever the state insists.
What sets the price
The premium is fixed at $2,000 at the $100,000 amount for every applicant: the carrier’s rate book prices this bond by the form, not by your credit or your business profile.
One soft credit pull, never a hard inquiry, and it never affects your score.
Where a check runs, it decides approval; the rate is the same for everyone approved.
One application, issued instantly.
These are the actual underwriting fields, including a one-time consent to a soft credit pull. Submit once and your bond is issued when you pay.
Start the application →Common questions.
Other Georgia bonds.
Been told you need a different amount?
Price and requirements checked on the carrier’s application, . Page updated .
The Insurance Commissioner is waiting on one document.
$2,000 flat, short application, bond issued when you pay. Free until issued.