Arizona Attorney General Kris Mayes is telling Arizonans who bought a Choice Home Warranty plan over the phone to speak up now if they want a slice of an $11.8 million settlement. The long-running consumer fraud case accuses the company of overselling what its policies covered and then refusing to replace big-ticket appliances it had advertised as protected. State officials say some consumers could get refunds up to the full purchase price of their warranties, but only those who file a claim with the state will be in the running.
How to claim
If you bought a Choice Home Warranty plan by phone between Jan. 1, 2013 and Jan. 1, 2023 for a property in Arizona, the Attorney General wants to hear from you. To be considered for restitution, eligible customers must complete an online claim through the Attorney General’s website. The portal asks for basic contact details, warranty information and gives you the option to upload your contract or any other paperwork that helps your case.
The AG’s consumer page notes that restitution will be paid on a rolling basis as settlement money comes in, not all at once, and warns that providing false information can get a claimant tossed from the process entirely. In short, be honest, be accurate and do not wait until the last minute.
Settlement and background
The $11.8 million settlement, described as the largest against a home-warranty company in Arizona, wraps up litigation that began in 2019, according to Courthouse News Service. State prosecutors said Choice routinely denied or drastically narrowed consumer claims by leaning on exclusions that had not been clearly disclosed in the original phone sales.
The legal fight traces back to more than 1,500 complaints filed with state regulators starting in 2013, a slow build of frustration that eventually turned into a full-blown enforcement case. The settlement is meant both to repay affected consumers and to send a clear message to other warranty providers operating in Arizona.
Company reforms, not an admission
Under a consent judgment entered on Jan. 23, 2026, Choice must overhaul its sales practices, provide much clearer disclosures and make sure customers know exactly what is covered before the company takes their payment information, according to the Attorney General’s Office. The company, for its part, denied the allegations and did not admit wrongdoing as part of the deal.
In announcing the settlement, Mayes put companies on notice, saying that businesses cannot hide behind fine print and buried disclosures to take advantage of vulnerable consumers. The reforms are designed to keep future customers from being surprised when they actually try to use the warranty they paid for.
When money could arrive
Under the consent judgment, Choice will not be writing one giant check. Instead, the company is required to make scheduled monthly payments, starting with $275,000 per month for the first 24 months, then $125,000 per month for the next 41 months, until the full $11.8 million is paid, according to Courthouse News Service. That staggered schedule means restitution will roll out over time, not overnight.
Mayes has highlighted Arizonans who said they were left shelling out thousands after denied claims, including a Scottsdale small-business owner and the son of a 93-year-old veteran, to show the real-world impact behind the case. State materials and local coverage emphasize that restitution will be sent out as money arrives and only to those who file the official claim form, as reported by AZFamily.
Consumers who think they qualify should round up their contracts, receipts and any emails or letters from Choice, then file a claim as soon as possible. State consumer pages will post updates on eligibility and payout timing as the settlement funds come in, so the sooner you are in the system, the better your chances of being at the front of the line when checks start going out.
