Choice Home Warranty
Choice is a private company, so its public record is mostly court and regulator documents. Arizona sued in 2019 over complaints that covered air conditioners and appliances were not replaced; a January 2026 consent judgment requires $11.8M in payments and pre-sale disclosure reforms. New Jersey settled with it for $780,000 in 2015. Choice denies the Arizona allegations and admitted no wrongdoing. The Arizona judgment also shows that the company selling the contract is not always the one obligated to pay claims: in Arizona that was a separate company.
Last verified: 2026-10-20
Unscored
Private. Settled state consumer fraud cases in New Jersey (2015) and Arizona (2026).
Not scored in this section.
At a glance
| Legal entity | CHW Group, Inc. (private, New Jersey corporation) |
| Headquarters | Edison, NJ |
| Segment | Home warranty companies |
| Scale (as published) | Sells nationally (no figures published) |
| Score | Unscored |
What the sources reveal
Choice is a private company, so its public record is mostly court and regulator documents. Arizona sued in 2019 over complaints that covered air conditioners and appliances were not replaced; a January 2026 consent judgment requires $11.8M in payments and pre-sale disclosure reforms. New Jersey settled with it for $780,000 in 2015. Choice denies the Arizona allegations and admitted no wrongdoing. The Arizona judgment also shows that the company selling the contract is not always the one obligated to pay claims: in Arizona that was a separate company.
Key facts
| Fact | Source | Checked |
|---|---|---|
| Arizona consent judgment entered Jan 23, 2026: $11.8M for restitution, payments to the state and fees, plus required sales-practice reforms and pre-sale disclosure. | source | |
| Arizona says more than 1,500 Arizona customers complained to the AG, the state insurance department and the BBB since 2013. | source | |
| Choice denies the allegations and admitted no wrongdoing. | source | |
| In Arizona the obligor on the warranties was Home Warranty Administrator of Arizona, Inc., a separate company. | source | |
| New Jersey settlement (Jun 2015): $780,000 and a state-approved compliance monitor; the state cited 1,085 complaints. | source | |
| Its site says California contracts are issued by Home Service Club of California, Inc. | source |
Who it’s actually for
- Buyers comparing plans should read the full contract and its exclusions before paying; the Arizona judgment requires Choice to disclose more before a sale there.
What we could not verify
- Its site says a warranty brings an average 3% higher sale price; we found no source for that figure.
- Revenue, contracts in force and claim payout rates.
Related
Frontdoor (American Home Shield) vs Choice Home Warranty · Home services hub · All profiles
Last verified 2026-10-20. Figures were re-read from the linked sources that day.
View changelog
- Profile published from sources read this day.
Sources
- Arizona Attorney General, $11.8 million settlement with Choice Home Warranty (Feb 10, 2026) · accessed 2026-10-20
- State of Arizona v. CHW Group, Inc., Consent Judgment (Maricopa County Superior Court, Jan 2026) · accessed 2026-10-20
- New Jersey Attorney General, CHW settlement (Jun 15, 2015) · accessed 2026-10-20
- Choice Home Warranty, home page · accessed 2026-10-20
Corrections: use our contact page.