Arizona homeowners who bought a Choice Home Warranty contract over the phone have until 1 August 2026 to file for a share of an $11.8 million settlement with the Arizona Attorney General’s Office.
The deadline is stated on the Attorney General’s official claims page: “All claims must be filed by August 1, 2026 to be considered for restitution.”
The company denies the allegations and has not admitted any wrongdoing.
Who Is Eligible
You may qualify if you:
- Purchased a Choice Home Warranty warranty over the phone
- Between 1 January 2013 and 31 December 2025
- For a home located in Arizona
That is a thirteen-year window, and it is wider than the range quoted in the original settlement announcement — the Attorney General’s claims page now runs eligibility through the end of 2025.
How to File
File the online claim form at azag.gov/consumer/chw.
The form asks for contact details, information about the covered property, warranty purchase details and a description of your experience with the company. You can upload supporting documents such as your service contract, and you must sign a declaration under penalty of perjury.
Two things worth knowing before you file:
- Filing a general consumer complaint does not count. Only the claim form makes you eligible.
- Not every applicant receives money. Eligibility and amounts are determined at the Attorney General’s discretion, restitution is capped at the purchase price of the warranty, and payments are distributed on a rolling basis as funds are received from the company.
What the State Alleged
Attorney General Kris Mayes announced the settlement on 10 February 2026, with the restitution process opening on 26 March 2026. According to the Attorney General’s Office, Choice Home Warranty:
- Misrepresented what its warranties covered during telephone sales
- Failed to disclose exclusions and limitations that determined whether a claim would be paid
- Advertised coverage for appliances and air conditioning units it then failed to repair or replace
- Targeted vulnerable populations, specifically veterans, seniors and residents on fixed incomes
Sales representatives, the state said, either withheld information about exclusions or made outright false claims about repair and replacement coverage. Under the settlement the company agreed to reform its sales practices and provide meaningful disclosure before selling a warranty.
Why It Matters Beyond Arizona
Home warranties are regulated state by state, usually through the department of insurance, and enforcement varies enormously. An action in one state does not create refunds in another — if you bought outside Arizona, this settlement does not cover you.
But the allegations describe the exact failure mode behind most home warranty complaints nationally: coverage sold over the phone, exclusions disclosed only in a contract that arrives afterwards, and a denied claim months later when something breaks.
That is a structural feature of how the product is sold, not an Arizona quirk. The defence is the same everywhere:
Get the full sample contract before you pay. Not the brochure — the document with the exclusions and the per-item caps. A provider unwilling to send it before payment has answered a different question.
Read the exclusions before the price. Pre-existing conditions, maintenance requirements, code upgrades and coverage caps decide whether a claim is paid. The monthly premium does not.
Get verbal promises in writing. If a salesperson tells you your air conditioner is covered, the contract is what gets enforced — not the call.
Sources: Arizona Attorney General, Choice Home Warranty Settlement claims page; “Attorney General Mayes Announces $11.8 Million Settlement with Choice Home Warranty,” 10 February 2026; “Attorney General Mayes Opens Restitution Process,” 26 March 2026.
For the clauses that produce denied claims, see what a home warranty doesn’t cover.