The Florida Office of Insurance Regulation (OIR) issued immediate cease and desist orders on October 21 against two companies that were selling warranties to consumers in the state without the required licenses: iDeal Group, Inc. —operating as iDeal Auto— and First Premier Home Warranty Corp.
The insurance commissioner Mike Yaworsky signed the orders after two market conduct examinations confirmed the irregular activities of both companies, whose administrative files had been opened weeks earlier based on notifications from the Florida Department of Financial Services (DFS).
iDeal Auto, based in New Jersey, sold service contracts for motor vehicles to consumers in Florida without being authorized to operate, manage, or market that type of product in the state.
The OIR detected sales to at least two consumers in Florida in 2022; the DFS alerted the regulatory agency in December 2025, which triggered the formal investigation.
First Premier Home Warranty Corp., based in New York, marketed home warranties in Florida without being designated by any authorized warranty association or by any licensed insurer in the state.
According to the investigation dossier, that company entered into approximately 207 contracts in Florida between 2023 and 2026 and raised nearly 108,500 dollars in premiums during that period.
Both companies face administrative sanctions if they do not immediately comply with the cease orders.
Yaworsky was straightforward in his assessment: "Protecting Florida consumers remains our top priority, and operating without the required license is a direct violation of Florida law that will not be tolerated. Companies offering any type of insurance-related product must be fully authorized to do business in our state."
It is important to clarify that these orders are of a regulatory nature due to lack of licensing: they do not equate to a criminal conviction, do not automatically cancel individual contracts that have already been signed, nor do they imply automatic refunds for those who contracted with these companies.
Extended warranties for vehicles or homes should not be confused with mandatory automobile insurance: they are distinct products, regulated separately under Chapter 634 of the Florida Statutes.
Before signing any warranty or service contract, the OIR recommends verifying that the company is properly authorized through the active company search available on its official website, where it is possible to filter by name, type of company, or business line.
Those who have questions or wish to file a complaint can contact the DFS through their toll-free line 1-877-MY-FL-CFO (1-877-693-5236), available Monday to Friday from 8:00 AM to 5:00 PM Eastern Time.
This action is part of a regulatory offensive in Florida against insurers and unlicensed entities that has intensified throughout 2026, with previous cases against American Dream Auto Protect, Thin Blue Line Benefits Holding, Arizona Premium Finance, and The Wave Insurance, among others.
"The OIR will continue to take aggressive enforcement measures against unauthorized entities to maintain a fair, transparent, and legal market," warned Yaworsky.
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