Warranties, quotes, and service contracts are written by different hands and for different purposes, but they share a habit: the important words are often defined in a section near the back. Read those definitions before you compare the promises.

Start with the defined terms

Look for the section headed definitions, terms, or key words. Read the entries for covered, authorized, eligible, claim, wear, and repair. Note whether a term is defined once and used across the document, or whether it appears in more than one place with different meanings. A quote may use the word covered in a sense that does not match the contract.

Check which paper controls

Ask which paper binds the seller and the buyer, and whether the quote or the warranty says it is subject to the contract. Ask whether an estimate in the quote becomes a promise when you sign. Note any line that says the document may change, and ask how you will be told of the change.

Compare the claim steps

Each paper may describe a different claim route: who you call, what proof is needed, which form is used, and how long a decision takes. Ask the seller to explain the route for each paper in plain words, and note where the steps conflict.

Where the state rules fit

The rules for service contracts vary by state. A state page on this site sets out the regulator, the statute or program, and the roster for that state, with its as-of date. For example, the Georgia page at statecoverageindex.com/georgia.html shows the framework for that state. Those pages do not interpret your paper. Read the contract's own definitions and ask the seller to point to the section that governs each term.