New scam threat… bogus Home Warranty Letters

In 2019 the big real estate scam was “Local Records Office” scam letters… now the Minnesota Department of Commerce (DOC) is warning about scam letters with bogus warnings about home warranties, whether you have one or not.

Read the full message from the DOC below…


Minnesota Department of Commerce Alerts Homeowners of Scam Warranty Letters

“Homeowners in Minnesota and several other states have received letters in recent months urging recipients to purchase warranties and falsely implying a relationship with the homeowners’ mortgage companies or with county deeds offices.

The letters carry company names like Home Warranty Direct or Home Warranty Solutions. They use the same language describing warranties that, “may be expiring or may have already expired” even if you have never had a warranty. The letters appear to be official documents but are simply fraudulent attempts, likely by criminals outside the United States, to collect your credit card or bank account information.

Promotions that use threatening language or unnecessary urgency are almost always fraudulent. In this case, the scam letters use bold type and exclamation points and urge recipients to respond immediately or risk financial liability. To appear legitimate, they also cite names of specific mortgage lenders or servicers – information that is often public record and available online.

The DOC encourages Minnesota homeowners who are interested in purchasing a home warranty with a legitimate company to do research. ‘We recommend asking for referrals, checking the warranty company’s website and understanding the coverage you need and possible warranty exclusions,’ said Jacqueline Olson, Commerce’s Assistant Commissioner for Enforcement. ‘If you receive an unsolicited offer, definitely don’t give out your credit card or bank account information until you’re sure the offer is legitimate.’

A home warranty is a contract covering repairs and replacements on systems and appliances in your home, usually for a period of one year.

If you receive a letter from Home Warranty Direct or Home Warranty Solutions and wish to file a complaint, contact the DOC at or 651-539-1600 or 800-657-3602. Otherwise the letters can simply be discarded. To report any type of suspected mail fraud, contact the U.S. Postal Inspection Service.”


Minnesota purchase agreements include a question about home warranties, making MN especially vulnerable to these scams. If you get such a letter or want to purchase a home warranty contact your Realtor for guidance.

Sharlene Hensrud, RE/MAX Results –

Written By

I love what I do! Highly insightful, analytical and creative, there is nothing I love more than helping you find the right solution for your real estate transition. My mission is to serve my clients with honesty and integrity, exceeding their expectations in service and support… and to help others by donating a portion of every transaction to Habitat for Humanity.

Related Posts

Weekly real estate market update 5/17/24… the number of homes for sale is increasing

🖨 Print Article New listings continue to increase and coming soon listings also increased again this week… good news for weeks to come. Transactions that fall through and come back...

April 2024 real estate market update… median sale price highest on record

🖨 Print Article Median sale price in April 2024 hit a new peak, even higher than highest sale prices in June (typically the yearly peak) of the last two years....

Subscribe to Our Newsletter for Market Updates & Mid-Century Modern Listings

Our weekly HomesMSP Update includes current local market information and a curated list of mid-century modern properties for sale, plus posts from an inspector, a lender, a stager, info about neighborhoods, life in the Twin Cities… even recipes!


Blog Categories


Sharon and John Hensrud

About Us

The HomesMSP Team is committed to meeting you where you are and listening… really listening to understand you so we can use our extensive knowledge of the market and local neighborhoods to give you personalized service.