Arizona residents who purchased a Choice Home Warranty protection plan over the phone between January 1, 2013 and January 1, 2023 may qualify for restitution from an $11.8 million settlement with the company. The Arizona Attorney General’s Office announced the settlement on February 10, 2026, following a lawsuit filed in 2019 that alleged Choice Home Warranty engaged in deceptive sales practices, including failing to disclose coverage exclusions and misrepresenting what appliances and systems would actually be covered.
If you purchased a warranty during this period, you could receive compensation of up to the full amount you paid for the plan. The restitution process recently opened on March 26-27, 2026, and eligible customers must take action by submitting an online form on the Arizona Attorney General’s website. This article walks through who qualifies, how much money is available, what triggered the settlement, and the specific steps you need to take to claim your share of the $11.8 million payout.
Table of Contents
- Who Qualifies for the Choice Home Warranty Settlement in Arizona?
- What Were the Deceptive Practices That Led to This Settlement?
- How Much Money Could You Receive from the Settlement?
- How Do You File a Claim for the Settlement Payout?
- What Information Should You Have Before Filing Your Claim?
- What Triggered the Recent Restitution Process Opening?
- Understanding This Settlement’s Broader Context
Who Qualifies for the Choice Home Warranty Settlement in Arizona?
To be eligible for restitution from this settlement, you must meet three specific criteria. First, you must have purchased a home warranty plan from Choice Home Warranty over the telephone between January 1, 2013 and January 1, 2023—a ten-year window that captures the bulk of the company’s allegedly deceptive sales practices in Arizona. Second, the property covered by the warranty must be located in Arizona; residents in other states are not eligible under this particular settlement.
Third, you must complete and submit the online claim form on the Arizona Attorney General’s website—the state makes clear that only those who actually file the form will receive restitution. The settlement applies broadly to all Arizona customers who bought these plans during the specified period, regardless of whether they filed a complaint or had problems with the warranty. For example, if you purchased a three-year home warranty plan over the phone in 2018 for $600, you would be eligible to claim restitution of up to that $600, provided your home was in Arizona and you submit the claim form. You do not need to separately file a consumer complaint or call anyone; the online form is the only mechanism for claiming your share.
What Were the Deceptive Practices That Led to This Settlement?
The Arizona Attorney General’s Office received more than 1,500 complaints from customers since 2013, all centering on how Choice Home Warranty’s telephone sales representatives presented the plans. The primary complaint was that sales representatives failed to fully disclose coverage exclusions and limitations, leaving customers believing their warranties covered more than they actually did. Additionally, the company’s representatives allegedly misrepresented which appliances and home systems would be covered under the plans.
One common issue reported by customers was the failure to replace air conditioning units and other major appliances that the company had advertised as covered during the sales call. A customer might have been told that their new $500 warranty plan covered their entire HVAC system, only to discover after their air conditioner broke down that the warranty had specific exclusions or that the repair wouldn’t be covered under the plan’s terms. These patterns of non-disclosure and misrepresentation across hundreds of customer accounts led the Arizona Attorney General’s Office to file suit in 2019, resulting in the January 23, 2026 judgment and the $11.8 million settlement agreement.
How Much Money Could You Receive from the Settlement?
Eligible claimants can receive restitution of up to the full purchase price of the warranty plan they bought from Choice Home Warranty. If you purchased a home warranty plan for $400, your maximum restitution would be $400. If you bought a plan for $1,200, your maximum restitution would be $1,200. The exact amount you receive will depend on how many valid claims are filed; the $11.8 million pool will be divided among all eligible customers who submit the claim form.
The Arizona Attorney General’s Office has structured the settlement payments over a specific timeline to ensure all approved claims are paid. The state will distribute $275,000 per month for the first 24 months, followed by $125,000 per month for an additional 41 months, until the full $11.8 million settlement amount is distributed. This payout schedule means that early claimants may receive their restitution sooner than late claimants, though the state will process all valid claims eventually. The total payout period spans approximately 65 months, or roughly five and a half years from the start of restitution.
How Do You File a Claim for the Settlement Payout?
The claims process is straightforward and requires no interaction with a lawyer or third-party claims administrator. You must visit the Arizona Attorney General’s website and complete the online claim form specific to the Choice Home Warranty settlement at www.azag.gov/consumer/chw. The form will ask for basic information to verify that you purchased a Choice Home Warranty plan during the eligible time period and that your property was in Arizona.
Unlike some settlements that require extensive documentation or phone calls, this one relies solely on the online form submission. The Arizona Attorney General’s Office has emphasized that you do not need to file a separate consumer complaint or contact them by phone to be eligible—simply completing and submitting the online form is sufficient. However, it is critical to understand that only those who actually complete the form will be eligible to receive restitution. If you think you may have purchased a Choice Home Warranty plan during the 2013-2023 period but fail to submit the claim form, you will miss out on your share of the $11.8 million entirely.
What Information Should You Have Before Filing Your Claim?
Before submitting the claim form, gather any documentation you have related to your Choice Home Warranty purchase. If you have an old copy of the warranty agreement, sales receipt, credit card statement, or email confirmation from your purchase between January 1, 2013 and January 1, 2023, keep it handy. These documents can help you accurately complete the form and verify your claim if the Arizona Attorney General’s Office needs additional proof of your purchase.
However, not all claimants will have kept records from a purchase that may have occurred years ago. If you cannot locate the original warranty documents or confirmation of purchase, the claim form may still accept claims based on your personal recollection of the purchase date and amount, though the state’s exact documentation requirements are detailed on the claim form itself. One important limitation to note: this settlement only covers purchases made over the telephone. If you purchased a Choice Home Warranty plan through any other channel—such as an online portal, through an insurance agent, or in person—you may not be eligible under this specific settlement, even if you purchased during the eligible time period.
What Triggered the Recent Restitution Process Opening?
The Arizona Attorney General’s Office formally opened the restitution process on March 26-27, 2026, marking the beginning of the state’s active distribution of settlement funds. This opening was announced by Attorney General Abe Mayes and covered by local Arizona news outlets, including KOLD News and the Arizona Daily Independent. The timing coincides with the judgment finalized in January 2026, allowing the state to move forward with collecting and processing claims from eligible residents.
The opening of the restitution process is your signal to act. The state has made clear that the claim submission window is now open, and customers should file their claims as soon as possible to be included in the early phases of payout distribution. Delaying your claim form submission means you may wait longer to receive your restitution check, as the monthly payout amounts will be divided among all claimants processed that month.
Understanding This Settlement’s Broader Context
This settlement represents one of several enforcement actions the Arizona Attorney General’s Office has taken against companies engaged in deceptive home warranty and home services practices. Home warranty plans—which protect homeowners against the costs of repairing or replacing major appliances and systems—have been the subject of numerous consumer complaints across multiple states. The Choice Home Warranty case exemplifies a common pattern: aggressive telephone sales tactics that overstate coverage, downplay exclusions, and fail to set realistic expectations about what the warranty will actually pay for when a claim arises.
For Arizona residents, this settlement is an opportunity to recover money spent on a plan that did not deliver what was promised during the sales pitch. The state’s willingness to pursue a lawsuit for seven years and secure an $11.8 million judgment signals how serious the deception was and how many customers were affected. If you were among those 1,500+ Arizonans who filed complaints or simply felt misled by your Choice Home Warranty purchase, the claim form is your official avenue for recourse.