{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2025\/code-json\/38.2-129.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2025\/code-text\/38.2-129.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2025\/code-xml\/38.2-129.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2025\/code-html\/38.2-129.html"}],"law_id":57616,"edition_id":1,"section_id":57616,"structure_id":13746,"section_number":"38.2-129","catch_line":"Home protection insurance","history":"1986, c. 562.","full_text":"&#8220;Home protection insurance&#8221; means any contract or agreement whereby a person undertakes for a specified period of time and for a predetermined fee to furnish, arrange for, or indemnify for service, repair, or replacement of any or all of the structural components, parts, appliances, or systems of any covered residential dwelling caused by wear and tear, deterioration, inherent defect, or by the failure of any inspection to detect the likelihood of failure.","order_by":null,"text":{"0":{"id":211119,"text":"&#8220;Home protection insurance&#8221; means any contract or agreement whereby a person undertakes for a specified period of time and for a predetermined fee to furnish, arrange for, or indemnify for service, repair, or replacement of any or all of the structural components, parts, appliances, or systems of any covered residential dwelling caused by wear and tear, deterioration, inherent defect, or by the failure of any inspection to detect the likelihood of failure.","type":"section","prefixes":[""],"prefix":"","entire_prefix":"","prefix_anchor":"","level":1}},"ancestry":[{"id":13746,"edition_id":1,"name":"Insurance Classified and Defined","identifier":"2","label":"article","depth":3,"order_by":1,"parent_id":13745,"metadata":{},"date_created":"2026-06-26 03:45:45","date_modified":"2026-06-26 03:45:45","permalink":{"id":210675,"object_type":"structure","relational_id":13746,"identifier":"2","token":"38.2\/1\/2","url":"\/38.2\/1\/2\/","edition_id":1,"permalink":0,"preferred":1}},{"id":13745,"edition_id":1,"name":"General Provisions","identifier":"1","label":"chapter","depth":2,"order_by":1,"parent_id":12698,"metadata":{},"date_created":"2026-06-26 03:45:45","date_modified":"2026-06-26 03:45:45","permalink":{"id":210663,"object_type":"structure","relational_id":13745,"identifier":"1","token":"38.2\/1","url":"\/38.2\/1\/","edition_id":1,"permalink":0,"preferred":1}},{"id":12698,"edition_id":1,"name":"Insurance","identifier":"38.2","label":"title","depth":1,"order_by":1,"parent_id":null,"metadata":{},"date_created":"2026-06-26 03:43:49","date_modified":"2026-06-26 03:43:49","permalink":{"id":210661,"object_type":"structure","relational_id":12698,"identifier":"38.2","token":"38.2","url":"\/38.2\/","edition_id":1,"permalink":0,"preferred":1}}],"structure_contents":[{"id":72897,"structure_id":13746,"section_number":"38.2-101","catch_line":"Classification of insurance","url":"\/38.2-101\/","token":"38.2\/1\/2\/38.2-101","metadata":false},{"id":57209,"structure_id":13746,"section_number":"38.2-102","catch_line":"Life","url":"\/38.2-102\/","token":"38.2\/1\/2\/38.2-102","metadata":false},{"id":76182,"structure_id":13746,"section_number":"38.2-103","catch_line":"Credit life","url":"\/38.2-103\/","token":"38.2\/1\/2\/38.2-103","metadata":false},{"id":67449,"structure_id":13746,"section_number":"38.2-104","catch_line":"Industrial life","url":"\/38.2-104\/","token":"38.2\/1\/2\/38.2-104","metadata":false},{"id":57228,"structure_id":13746,"section_number":"38.2-105","catch_line":"Variable life","url":"\/38.2-105\/","token":"38.2\/1\/2\/38.2-105","metadata":false},{"id":62859,"structure_id":13746,"section_number":"38.2-105.1","catch_line":"Modified guaranteed life insurance","url":"\/38.2-105.1\/","token":"38.2\/1\/2\/38.2-105.1","metadata":false},{"id":87220,"structure_id":13746,"section_number":"38.2-106","catch_line":"Annuities","url":"\/38.2-106\/","token":"38.2\/1\/2\/38.2-106","metadata":false},{"id":73424,"structure_id":13746,"section_number":"38.2-106.1","catch_line":"Charitable gift annuities","url":"\/38.2-106.1\/","token":"38.2\/1\/2\/38.2-106.1","metadata":false},{"id":64558,"structure_id":13746,"section_number":"38.2-107","catch_line":"Variable annuity","url":"\/38.2-107\/","token":"38.2\/1\/2\/38.2-107","metadata":false},{"id":56142,"structure_id":13746,"section_number":"38.2-107.1","catch_line":"Modified guaranteed annuity","url":"\/38.2-107.1\/","token":"38.2\/1\/2\/38.2-107.1","metadata":false},{"id":67077,"structure_id":13746,"section_number":"38.2-107.2","catch_line":"Private family leave insurance","url":"\/38.2-107.2\/","token":"38.2\/1\/2\/38.2-107.2","metadata":false},{"id":62263,"structure_id":13746,"section_number":"38.2-108","catch_line":"Credit accident and sickness","url":"\/38.2-108\/","token":"38.2\/1\/2\/38.2-108","metadata":false},{"id":75359,"structure_id":13746,"section_number":"38.2-109","catch_line":"Accident and sickness","url":"\/38.2-109\/","token":"38.2\/1\/2\/38.2-109","metadata":false},{"id":56505,"structure_id":13746,"section_number":"38.2-110","catch_line":"Fire","url":"\/38.2-110\/","token":"38.2\/1\/2\/38.2-110","metadata":false},{"id":73309,"structure_id":13746,"section_number":"38.2-111","catch_line":"Miscellaneous property and casualty","url":"\/38.2-111\/","token":"38.2\/1\/2\/38.2-111","metadata":false},{"id":78163,"structure_id":13746,"section_number":"38.2-112","catch_line":"Water damage","url":"\/38.2-112\/","token":"38.2\/1\/2\/38.2-112","metadata":false},{"id":73509,"structure_id":13746,"section_number":"38.2-113","catch_line":"Burglary and theft","url":"\/38.2-113\/","token":"38.2\/1\/2\/38.2-113","metadata":false},{"id":58243,"structure_id":13746,"section_number":"38.2-114","catch_line":"Glass insurance","url":"\/38.2-114\/","token":"38.2\/1\/2\/38.2-114","metadata":false},{"id":73597,"structure_id":13746,"section_number":"38.2-115","catch_line":"Boiler and machinery","url":"\/38.2-115\/","token":"38.2\/1\/2\/38.2-115","metadata":false},{"id":65377,"structure_id":13746,"section_number":"38.2-116","catch_line":"Animal","url":"\/38.2-116\/","token":"38.2\/1\/2\/38.2-116","metadata":false},{"id":83683,"structure_id":13746,"section_number":"38.2-117","catch_line":"Personal injury liability","url":"\/38.2-117\/","token":"38.2\/1\/2\/38.2-117","metadata":false},{"id":58741,"structure_id":13746,"section_number":"38.2-118","catch_line":"Property damage liability","url":"\/38.2-118\/","token":"38.2\/1\/2\/38.2-118","metadata":false},{"id":80898,"structure_id":13746,"section_number":"38.2-119","catch_line":"Workers' compensation and employers' liability","url":"\/38.2-119\/","token":"38.2\/1\/2\/38.2-119","metadata":false},{"id":60879,"structure_id":13746,"section_number":"38.2-120","catch_line":"Fidelity","url":"\/38.2-120\/","token":"38.2\/1\/2\/38.2-120","metadata":false},{"id":82253,"structure_id":13746,"section_number":"38.2-121","catch_line":"Surety","url":"\/38.2-121\/","token":"38.2\/1\/2\/38.2-121","metadata":false},{"id":82832,"structure_id":13746,"section_number":"38.2-122","catch_line":"Credit","url":"\/38.2-122\/","token":"38.2\/1\/2\/38.2-122","metadata":false},{"id":69638,"structure_id":13746,"section_number":"38.2-122.1","catch_line":"Credit involuntary unemployment insurance","url":"\/38.2-122.1\/","token":"38.2\/1\/2\/38.2-122.1","metadata":false},{"id":69580,"structure_id":13746,"section_number":"38.2-122.2","catch_line":"Credit property insurance","url":"\/38.2-122.2\/","token":"38.2\/1\/2\/38.2-122.2","metadata":false},{"id":54747,"structure_id":13746,"section_number":"38.2-123","catch_line":"Title","url":"\/38.2-123\/","token":"38.2\/1\/2\/38.2-123","metadata":false},{"id":66976,"structure_id":13746,"section_number":"38.2-124","catch_line":"Motor vehicle","url":"\/38.2-124\/","token":"38.2\/1\/2\/38.2-124","metadata":false},{"id":66153,"structure_id":13746,"section_number":"38.2-125","catch_line":"Aircraft","url":"\/38.2-125\/","token":"38.2\/1\/2\/38.2-125","metadata":false},{"id":63990,"structure_id":13746,"section_number":"38.2-126","catch_line":"Marine","url":"\/38.2-126\/","token":"38.2\/1\/2\/38.2-126","metadata":false},{"id":65571,"structure_id":13746,"section_number":"38.2-127","catch_line":"Legal services insurance","url":"\/38.2-127\/","token":"38.2\/1\/2\/38.2-127","metadata":false},{"id":69932,"structure_id":13746,"section_number":"38.2-128","catch_line":"Mortgage guaranty insurance","url":"\/38.2-128\/","token":"38.2\/1\/2\/38.2-128","metadata":false},{"id":57616,"structure_id":13746,"section_number":"38.2-129","catch_line":"Home protection insurance","url":"\/38.2-129\/","token":"38.2\/1\/2\/38.2-129","metadata":false},{"id":75005,"structure_id":13746,"section_number":"38.2-130","catch_line":"Homeowners insurance","url":"\/38.2-130\/","token":"38.2\/1\/2\/38.2-130","metadata":false},{"id":79979,"structure_id":13746,"section_number":"38.2-131","catch_line":"Farmowners insurance","url":"\/38.2-131\/","token":"38.2\/1\/2\/38.2-131","metadata":false},{"id":60601,"structure_id":13746,"section_number":"38.2-132","catch_line":"Commercial multi-peril insurance","url":"\/38.2-132\/","token":"38.2\/1\/2\/38.2-132","metadata":false},{"id":85493,"structure_id":13746,"section_number":"38.2-133","catch_line":"Contingent and consequential losses","url":"\/38.2-133\/","token":"38.2\/1\/2\/38.2-133","metadata":false},{"id":74943,"structure_id":13746,"section_number":"38.2-134","catch_line":"Definitions to include other insurance of same general kind","url":"\/38.2-134\/","token":"38.2\/1\/2\/38.2-134","metadata":false}],"previous_section":{"id":69932,"structure_id":13746,"section_number":"38.2-128","catch_line":"Mortgage guaranty insurance","url":"\/38.2-128\/","token":"38.2\/1\/2\/38.2-128","metadata":false},"next_section":{"id":75005,"structure_id":13746,"section_number":"38.2-130","catch_line":"Homeowners insurance","url":"\/38.2-130\/","token":"38.2\/1\/2\/38.2-130","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/38.2-129\/","history_text":"<p>This law was first created in 1986. The record of its establishment is cataloged in chapter 562 of that year\u2019s edition of \u201cActs of Assembly,\u201d the annual state publication listing all changes made to the Code of Virginia in that year. Unfortunately, the 1986 \u201cActs\u201d aren\u2019t available online.<\/p>","references":[{"id":67482,"section_number":"38.2-1800","catch_line":"Definitions","order_by":null,"url":"\/38.2-1800\/"},{"id":62065,"section_number":"38.2-2503","catch_line":"Classes of insurance that may be written by mutual assessment property and casualty insurers; minimum surplus to policyholders required","order_by":null,"url":"\/38.2-2503\/"},{"id":59380,"section_number":"38.2-2602","catch_line":"Limited applicability to certain insurers","order_by":null,"url":"\/38.2-2602\/"}],"refers_to":false,"permalink":{"id":210813,"object_type":"law","relational_id":57616,"identifier":"38.2-129","token":"38.2\/1\/2\/38.2-129","url":"\/38.2-129\/","edition_id":1,"permalink":0,"preferred":1},"url":"\/38.2-129\/","token":"38.2\/1\/2\/38.2-129","dublin_core":{"Title":"Home protection insurance","Type":"Text","Format":"text\/html","Identifier":"\u00a7 38.2-129","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t<section><p>&#8220;Home protection <span class=\"dictionary\">insurance<\/span>&#8221; means any <span class=\"dictionary\">contract<\/span> or agreement whereby a <span class=\"dictionary\">person<\/span> undertakes for a specified period of time and for a predetermined fee to furnish, arrange for, or indemnify for service, repair, or replacement of any or all of the structural components, parts, appliances, or systems of any covered residential dwelling caused by wear and tear, deterioration, inherent defect, or by the failure of any inspection to detect the likelihood of failure.<\/p><\/section>","plain_text":"                                 CODE OF VIRGINIA\n\nHOME PROTECTION INSURANCE (\u00a7 38.2-129)\n\n&#8220;Home protection insurance&#8221; means any contract or agreement whereby\na person undertakes for a specified period of time and for a predetermined fee\nto furnish, arrange for, or indemnify for service, repair, or replacement of any\nor all of the structural components, parts, appliances, or systems of any\ncovered residential dwelling caused by wear and tear, deterioration, inherent\ndefect, or by the failure of any inspection to detect the likelihood of failure.\n\nHISTORY: 1986, c. 562.","edition":{"id":1,"name":"2025","slug":"2025","date_created":"2026-06-21 22:39:22","date_modified":"2026-06-21 22:39:22","current":1,"order_by":1,"last_import":null}}