Legal information only, not legal advice. This list is not complete: it covers actions we could find and cite, and an action's absence from it says nothing about a company.
Sourced State Actions at a Glance
| State and agency | Company | What the source says |
|---|---|---|
| ArizonaAttorney General | Choice Home Warranty | Consumer fraud lawsuit filed in 2019. The Attorney General announced an $11.8 million settlement on February 10, 2026. The court entered the judgment on January 23, 2026, and it requires changes to sales practices and clearer disclosures. Choice denied the allegations and admitted no wrongdoing. Source |
| OhioAttorney General | Amazon Home Warranty and Amazon Warranty Administrators | Lawsuit over alleged failures to honor contracts. The Attorney General's April 2023 newsletter also said one company was not registered with the Secretary of State as state law requires. Source |
| OregonDivision of Financial Regulation | CHW Group Inc. (doing business as Choice Home Warranty) and American Global Obligors Inc. | Case INS-22-0058: a cease and desist order with civil penalties under Oregon's service contract law, entered by consent. The companies neither admitted nor denied the findings. The Division listed the order in its Taking Action report for the first two quarters of 2025. Source |
| GeorgiaOffice of Commissioner of Insurance | Choice Home Warranty | In April 2024 the Commissioner issued a cease and desist order barring Choice from selling in Georgia after it failed to post a required surety bond of at least $100,000. We have not confirmed whether the order was lifted. Source |
| OklahomaInsurance Department | Home Warranty Administrator of Oklahoma (identified in the order as doing business as Choice Home Warranty) | A 2020 consent order addressed the company after its license had lapsed. Source |
| OklahomaInsurance Department | First Premier Home Warranty Corporation | Cease and desist order and public warning for selling home warranty contracts without a license, after three separate consumer complaints. Source |
| New HampshireInsurance Department | Amazon Home Warranty | Cease and desist order for selling without registration (Docket INS 23-023-EP), cited by the Department in its guidance on consumer guaranty contracts. Source |
| New JerseyAttorney General | CHW Group Inc. (doing business as Choice Home Warranty) | Law360 reported in 2015 that the office ordered the company to pay nearly $780,000. The sources we found do not say what the violations were. Source |
| WisconsinOffice of the Commissioner of Insurance | Secure Home Warranty | A September 2018 consumer alert said the company began marketing home warranties to Wisconsin consumers online without the necessary certificate of authority. Source |
| IllinoisDepartment of Insurance | Certified Warranties Corporation | A 2014 consumer warning about a company selling home warranty contracts in violation of the Service Contract Act's requirements. Source |
What the Actions Have in Common
Licensing, registration and bond rules drive most state actions against home warranty sellers. 6 of the 10 actions above turn on selling without the license, registration, bond or certificate a state requires. Two, in Arizona and Ohio, allege that coverage promised to consumers was not delivered. For Oregon and New Jersey, the sources we found do not say what the violations were.
That pattern is why your state's rules matter before you buy. Where a state keeps a registry, checking it takes a few minutes.
What an Action Does and Does Not Do for You
- A settlement or consent order usually resolves the case without a finding of liability. The Arizona and Oregon matters both record that the companies did not admit wrongdoing.
- Restitution reaches only the consumers an order or settlement defines. In Arizona, those who bought a Choice plan by phone for an Arizona property must complete the Attorney General's claim form, and the form page is the authority on dates and deadlines.
- An action by one state binds the company in that state. It does not change your contract, and it does not decide your claim.
- Naming a company in an action is not a finding about its sister brands. The Arizona announcement names Choice Home Warranty, not Home Warranty of America.
How to Cite an Action in a Complaint
Cite the action precisely: the agency, the company named, the date and the docket or case number where one exists, and link or attach the agency's own document. Then describe your own facts: your contract, your claim number, the date of denial and the reason the company gave. Regulators act on documented specifics. A complaint that says only that the company "has a history" gives them nothing to check.
File with the agency named in your state's row of the state laws table, and follow the steps in how to fight a denial.
Federal and Private Routes
The Federal Trade Commission points consumers to their state attorney general for service contract complaints; see what the FTC does and does not do. Individual consumers can also pursue arbitration or small claims depending on the contract, covered on our class action and arbitration pages.