{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2025\/code-json\/38.2-2600.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2025\/code-text\/38.2-2600.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2025\/code-xml\/38.2-2600.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2025\/code-html\/38.2-2600.html"}],"law_id":85986,"edition_id":1,"section_id":85986,"structure_id":12840,"section_number":"38.2-2600","catch_line":"Definitions","history":"1981, c. 530, \u00a7\u00a7 38.1-932, 38.1-944; 1982, c. 132; 1986, c. 562; 2006, c. 634; 2017, c. 727.","full_text":"As used in this chapter:\n\t\t“Fronting company” means a licensed insurer or licensed home protection company which generally transfers to one or more unlicensed insurers or unlicensed home protection companies by reinsurance or otherwise all or substantially all of the risk of loss under all of the home protection contracts written by it in this Commonwealth.\n\t\t“Home protection company” means any person who performs, or arranges to perform, services pursuant to a home protection insurance contract.\n\t\t“Home protection insurance contract” or “contract” means any insurance 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 and all of the structural components, parts, appliances, or systems of any covered residential dwelling necessitated by wear and tear, deterioration, inherent defect, or by the failure of an inspection to detect the likelihood of failure.\n\t\tThe contract shall provide for a system to effect repair or replacement if the contract undertakes to provide for repair or replacement services. The contract shall not include protection against consequential damage from the failure of any structural component, part, appliance or system.\n\t\t“Structural component” means the roof, foundation, basement, walls, ceilings, or floors of a home.","order_by":null,"text":{"0":{"id":307961,"text":"As used in this chapter:\n\t\t“Fronting company” means a licensed insurer or licensed home protection company which generally transfers to one or more unlicensed insurers or unlicensed home protection companies by reinsurance or otherwise all or substantially all of the risk of loss under all of the home protection contracts written by it in this Commonwealth.\n\t\t“Home protection company” means any person who performs, or arranges to perform, services pursuant to a home protection insurance contract.\n\t\t“Home protection insurance contract” or “contract” means any insurance 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 and all of the structural components, parts, appliances, or systems of any covered residential dwelling necessitated by wear and tear, deterioration, inherent defect, or by the failure of an inspection to detect the likelihood of failure.\n\t\tThe contract shall provide for a system to effect repair or replacement if the contract undertakes to provide for repair or replacement services. The contract shall not include protection against consequential damage from the failure of any structural component, part, appliance or system.\n\t\t“Structural component” means the roof, foundation, basement, walls, ceilings, or floors of a home.","type":"section","prefixes":[""],"prefix":"","entire_prefix":"","prefix_anchor":"","level":1}},"ancestry":[{"id":12840,"edition_id":1,"name":"Home Protection Companies","identifier":"26","label":"chapter","depth":2,"order_by":1,"parent_id":12698,"metadata":{},"date_created":"2026-06-26 03:43:56","date_modified":"2026-06-26 03:43:56","permalink":{"id":213943,"object_type":"structure","relational_id":12840,"identifier":"26","token":"38.2\/26","url":"\/38.2\/26\/","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":85986,"structure_id":12840,"section_number":"38.2-2600","catch_line":"Definitions","url":"\/38.2-2600\/","token":"38.2\/26\/38.2-2600","metadata":false},{"id":75121,"structure_id":12840,"section_number":"38.2-2601","catch_line":"Exemptions","url":"\/38.2-2601\/","token":"38.2\/26\/38.2-2601","metadata":false},{"id":59380,"structure_id":12840,"section_number":"38.2-2602","catch_line":"Limited applicability to certain insurers","url":"\/38.2-2602\/","token":"38.2\/26\/38.2-2602","metadata":false},{"id":66093,"structure_id":12840,"section_number":"38.2-2603","catch_line":"License required; application; fee","url":"\/38.2-2603\/","token":"38.2\/26\/38.2-2603","metadata":false},{"id":80501,"structure_id":12840,"section_number":"38.2-2604","catch_line":"Qualification for license; net worth; deposit of securities with State Treasurer","url":"\/38.2-2604\/","token":"38.2\/26\/38.2-2604","metadata":false},{"id":79225,"structure_id":12840,"section_number":"38.2-2605","catch_line":"Expiration and renewal of license","url":"\/38.2-2605\/","token":"38.2\/26\/38.2-2605","metadata":false},{"id":56816,"structure_id":12840,"section_number":"38.2-2606","catch_line":"Reserves required","url":"\/38.2-2606\/","token":"38.2\/26\/38.2-2606","metadata":false},{"id":73559,"structure_id":12840,"section_number":"38.2-2607","catch_line":"Annual statements","url":"\/38.2-2607\/","token":"38.2\/26\/38.2-2607","metadata":false},{"id":74863,"structure_id":12840,"section_number":"38.2-2608","catch_line":"Home protection contracts; filing; form and contents; application or agreement to purchase; regulation of rates and charges","url":"\/38.2-2608\/","token":"38.2\/26\/38.2-2608","metadata":false},{"id":59105,"structure_id":12840,"section_number":"38.2-2609","catch_line":"Qualifications of agents","url":"\/38.2-2609\/","token":"38.2\/26\/38.2-2609","metadata":false},{"id":81246,"structure_id":12840,"section_number":"38.2-2610","catch_line":"Cancellation of home protection contracts","url":"\/38.2-2610\/","token":"38.2\/26\/38.2-2610","metadata":false},{"id":70070,"structure_id":12840,"section_number":"38.2-2611","catch_line":"Unfair discrimination","url":"\/38.2-2611\/","token":"38.2\/26\/38.2-2611","metadata":false},{"id":55408,"structure_id":12840,"section_number":"38.2-2612","catch_line":"Unfair trade practices","url":"\/38.2-2612\/","token":"38.2\/26\/38.2-2612","metadata":false},{"id":75413,"structure_id":12840,"section_number":"38.2-2613","catch_line":"Application of insurance laws","url":"\/38.2-2613\/","token":"38.2\/26\/38.2-2613","metadata":false},{"id":79863,"structure_id":12840,"section_number":"38.2-2614","catch_line":"Fronting not permitted","url":"\/38.2-2614\/","token":"38.2\/26\/38.2-2614","metadata":false},{"id":63662,"structure_id":12840,"section_number":"38.2-2615","catch_line":"Other insurance transactions prohibited","url":"\/38.2-2615\/","token":"38.2\/26\/38.2-2615","metadata":false},{"id":63494,"structure_id":12840,"section_number":"38.2-2616","catch_line":"Binding arbitration provisions in contract","url":"\/38.2-2616\/","token":"38.2\/26\/38.2-2616","metadata":false},{"id":53987,"structure_id":12840,"section_number":"38.2-2617","catch_line":"Repealed","url":"\/38.2-2617\/","token":"38.2\/26\/38.2-2617","metadata":false},{"id":63420,"structure_id":12840,"section_number":"38.2-2628","catch_line":"Repealed","url":"\/38.2-2628\/","token":"38.2\/26\/38.2-2628","metadata":false}],"next_section":{"id":75121,"structure_id":12840,"section_number":"38.2-2601","catch_line":"Exemptions","url":"\/38.2-2601\/","token":"38.2\/26\/38.2-2601","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/38.2-2600\/","history_text":"

This law was first created in 1981. The record of its establishment is cataloged in chapter 530 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 1981 \u201cActs\u201d aren\u2019t available online. It has been modified 4 times. Those modifications are cataloged by \u201cThe Acts of Assembly,\u201d a state publication, by year and chapter. Those modifications that can be read on the General Assembly\u2019s website will be linked accordingly. Those modifications are as follows: in 1982, chapter 132; in 1986, chapter 562; in 2006, chapter 634<\/a>; in 2017, chapter 727<\/a>.<\/p>","references":[{"id":58348,"section_number":"38.2-1347","catch_line":"Definitions","order_by":null,"url":"\/38.2-1347\/"},{"id":82605,"section_number":"38.2-1358","catch_line":"Definitions","order_by":null,"url":"\/38.2-1358\/"},{"id":57145,"section_number":"38.2-1401","catch_line":"Definitions","order_by":null,"url":"\/38.2-1401\/"},{"id":74191,"section_number":"38.2-1902","catch_line":"Scope of chapter","order_by":null,"url":"\/38.2-1902\/"},{"id":54564,"section_number":"38.2-2001","catch_line":"Insurance to which chapter applies","order_by":null,"url":"\/38.2-2001\/"},{"id":59010,"section_number":"59.1-207.48","catch_line":"Exemptions","order_by":null,"url":"\/59.1-207.48\/"}],"refers_to":false,"permalink":{"id":213945,"object_type":"law","relational_id":85986,"identifier":"38.2-2600","token":"38.2\/26\/38.2-2600","url":"\/38.2-2600\/","edition_id":1,"permalink":0,"preferred":1},"url":"\/38.2-2600\/","token":"38.2\/26\/38.2-2600","dublin_core":{"Title":"Definitions","Type":"Text","Format":"text\/html","Identifier":"\u00a7 38.2-2600","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t

As used in this chapter:\n\t\t“Fronting company<\/span>” means a licensed insurer<\/span> or licensed home protection company<\/span> which generally transfers to one or more unlicensed insurers<\/span> or unlicensed home protection companies by reinsurance or otherwise all or substantially all of the risk of loss under all of the home protection contracts<\/span> written by it in this Commonwealth.\n\t\t“Home protection company<\/span>” means any person<\/span> who performs, or arranges to perform, services pursuant to a home protection insurance contract<\/span>.\n\t\t“Home protection insurance contract<\/span>” or “contract” means any insurance contract or agreement whereby a 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 and all of the structural components<\/span>, parts, appliances, or systems of any covered residential dwelling necessitated by wear and tear, deterioration, inherent defect, or by the failure of an inspection to detect the likelihood of failure.\n\t\tThe contract shall provide for a system to effect repair or replacement if the contract undertakes to provide for repair or replacement services. The contract shall not include protection against consequential damage from the failure of any structural component<\/span>, part, appliance or system.\n\t\t“Structural component<\/span>” means the roof, foundation, basement, walls, ceilings, or floors of a home.<\/p><\/section>","plain_text":" CODE OF VIRGINIA\n\nDEFINITIONS (\u00a7 38.2-2600)\n\nAs used in this chapter:\n\t\t“Fronting company” means a licensed insurer or licensed home\nprotection company which generally transfers to one or more unlicensed insurers\nor unlicensed home protection companies by reinsurance or otherwise all or\nsubstantially all of the risk of loss under all of the home protection contracts\nwritten by it in this Commonwealth.\n\t\t“Home protection company” means any person who performs, or\narranges to perform, services pursuant to a home protection insurance contract.\n\t\t“Home protection insurance contract” or “contract”\nmeans any insurance contract or agreement whereby a person undertakes for a\nspecified period of time and for a predetermined fee to furnish, arrange for or\nindemnify for service, repair, or replacement of any and all of the structural\ncomponents, parts, appliances, or systems of any covered residential dwelling\nnecessitated by wear and tear, deterioration, inherent defect, or by the failure\nof an inspection to detect the likelihood of failure.\n\t\tThe contract shall provide for a system to effect repair or replacement if the\ncontract undertakes to provide for repair or replacement services. The contract\nshall not include protection against consequential damage from the failure of\nany structural component, part, appliance or system.\n\t\t“Structural component” means the roof, foundation, basement,\nwalls, ceilings, or floors of a home.\n\nHISTORY: 1981, c. 530, \u00a7\u00a7 38.1-932, 38.1-944; 1982, c. 132; 1986, c. 562;\n2006, c. 634; 2017, c. 727.","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}}