The Outcome
Arizona Attorney General Kris Mayes announced an $11.8 million settlement with Choice Home Warranty on February 10, 2026. The court entered the judgment on January 23, 2026. According to the Attorney General's office, it is the largest settlement with a home warranty company in Arizona history.
The judgment requires Choice to change its sales practices and to give consumers clearer disclosures before selling a warranty. Choice denied the allegations as part of the settlement and admitted no wrongdoing.
What the State Alleged
The lawsuit was filed in 2019 under then-Attorney General Mark Brnovich, under the Arizona Consumer Fraud Act, seeking restitution for consumers and civil penalties. The state's allegations centered on homeowners who bought Choice warranties and then, according to the state, did not get the air conditioner and appliance repairs or replacements the plans were advertised to cover.
The Attorney General's office describes the allegations in its press release. This page does not go beyond what the office has published.
Who Can Claim Restitution
The Attorney General's office says consumers who bought a Choice warranty by phone for an Arizona property during the period stated in its restitution announcement may qualify, and that eligible consumers must complete the online claim form. The form page and the announcement give slightly different date ranges and a filing deadline, so use the form itself for the current rules and dates rather than relying on a summary.
Start at the Attorney General's Choice Home Warranty settlement page.
What It Does and Does Not Tell You
- It is a settlement of a lawsuit the company denied, not a finding of liability.
- It names Choice Home Warranty only. The Attorney General's announcement does not name Home Warranty of America, which operates as a sister brand under the same parent group; see our ownership explainer.
- It covers Arizona consumers who bought by phone in the stated window. Choice plans bought elsewhere are not part of this settlement.
- It is one data point. Weigh it alongside the plan terms, the HVAC cap and the complaint record in our Choice review.
If You Have a Choice Plan
- Read the contract for the HVAC cap and exclusions, and keep every claim communication in writing.
- If a claim is denied, follow the steps in how to fight a denial and file a complaint with your state attorney general.
- If you are shopping, compare caps and service fees side by side in the company comparer.