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Is Choice Home Warranty Legit? Settlements, Reviews and What to Know

Choice Home Warranty is a real company - but it has a notable regulatory history. Here's what the Arizona and New Jersey settlements were about and how to protect yourself.

Updated October 12, 2026

Key takeaways

  • Choice Home Warranty is a legitimate company that has sold home warranties since 2008.
  • In 2026 it agreed to an $11.8 million consent judgment with the Arizona Attorney General over claim-handling and disclosure allegations, without admitting wrongdoing.
  • It also settled with New Jersey in 2015.
  • Its Trustpilot score is around 3.9 across 60,000+ reviews, while its BBB customer average is very low - a split common in the industry.

Is Choice a real company?

Yes. Choice Home Warranty was founded in 2008 in New Jersey, sells plans in every state except Washington, and has owned Home Warranty of America since 2022.

The Arizona settlement (2026)

In February 2026 the Arizona Attorney General announced an $11.8 million consent judgment with Choice, dated January 23, 2026. The AG alleged Choice refused advertised air conditioning and appliance claims and did not adequately disclose exclusions, citing more than 1,500 complaints since 2013. Choice denied wrongdoing. The AG opened a restitution process for eligible Arizona customers.

Earlier history

In 2015 Choice reached a settlement of roughly $780,000 with the New Jersey Attorney General's office related to consumer complaints.

Should you buy from Choice?

Choice offers good value on paper - two simple plans and a $3,000 per-item cap. If you buy, read the contract's exclusions carefully, keep maintenance records and document every claim. Compare it with American Home Shield and Select, or read the full Choice review.

This article is general information, not legal, insurance or financial advice. Coverage, prices and terms vary by company, plan and state - always read the full sample contract before you buy.

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Sources & references

Regulatory and ownership facts on this page come from public records. Pricing, plan and contract details come from each provider's published information. This content is for information only and is not legal, insurance or financial advice - always read the full contract before buying a plan.

  1. 1.Attorney General Mayes Announces $11.8 Million Settlement with Choice Home Warranty - Arizona Attorney General - February 2026
  2. 2.Frontdoor, Inc. Completes Acquisition of 2-10 Home Buyers Warranty - Frontdoor, Inc. via Business Wire - December 2024
  3. 3.Frontdoor, Inc. Quarterly Report (Form 10-Q), Q2 2026 - U.S. Securities and Exchange Commission (EDGAR)
  4. 4.American Home Shield plans - American Home Shield
  5. 5.Choice Home Warranty user agreement - Choice Home Warranty
  6. 6.Select Home Warranty terms and conditions - Select Home Warranty
  7. 7.The Home Service Club pricing and plans - The Home Service Club