Independent profile — not affiliated with Choice Home Warranty
Choice Home Warranty
Choice Home Warranty, operated by CHW Group, Inc. and now part of Rely Home (backed by a November 2025 H.I.G. Capital investment alongside sibling brands Home Warranty of America and Home Service Club), is a home warranty company based in Edison, New Jersey, selling service contracts covering home systems and appliances. New Jersey's Division of Consumer Affairs (2015) and Arizona's Attorney General (2026, $11.8 million) each reached settlements -- without admissions of wrongdoing -- alleging overlapping but distinct problems involving undisclosed coverage exclusions, payment caps, and claim-handling practices. New York's Department of State separately settled Do-Not-Call telemarketing allegations in 2026 for $92,800, and the company also faces active TCPA litigation over calls and texts.
Complaints & Reviews on USAComplaints
80 complaints on USAComplaints, including 1 published in the last three years.
- Denied our claim
- Deceptive Trade Practices in Texas and USA
- Consumer Report
- Consumer Report
- Consumer Report
- Consumer Report
- Consumer Report
- Consumer Report
- Consumer Report
- Consumer Report
- Consumer Report
- Consumer Report
- Consumer Report
- Refusal to Meet Contractual Obligations
- CHW is nothing but a high price referral service
- Wchoice Home Warranty Company says water heater leak are not covered
- BUYER BEWARE, You are dealing with theives
- Consumer Report
- Refused to honor their Total Coverage Plan, This company is a scam
- Claims denial
Complaint Themes
Independent Sources
Shown for context — not merged with USAComplaints' own numbers.
Contacts
- Website: https://www.choicehomewarranty.com
Locations
| Type | Address |
|---|---|
| Headquarters | 2147 Route 27 South, 4th Floor Edison NJ 08817 |
Corporate background
Choice Home Warranty is operated by CHW Group, Inc., based in Edison, New Jersey, and began operating around 2008 (BBB records the business start date as May 28, 2009). The company sells home warranty service contracts covering appliances and home systems (HVAC, plumbing, electrical) nationwide, including California, where CHW-branded contracts are issued and offered by Home Service Club of California, Inc. (HSCCA) and sold exclusively by Home Service Club of California Insurance Services, Inc. James E. Mostofi was appointed CEO in 2021; Victor Hakim, named individually in New Jersey's 2015 consent judgment, remains Founder and Chairman. In November 2025, H.I.G. Capital announced an investment in Rely Home, Inc., the umbrella company for Choice Home Warranty and sibling brands Home Warranty of America and Home Service Club; Hakim and Rely's senior management retain a significant ownership stake and continue to run the business.
Is Choice Home Warranty Legitimate?
Choice Home Warranty has settled consumer-protection actions with New Jersey (2015) and Arizona (2026, $11.8 million) and a telemarketing consent order with New York (2026, $92,800) -- all resolved without an admission of wrongdoing, so they are settlements rather than adjudicated findings. The New Jersey and Arizona matters alleged overlapping but not identical problems: New Jersey focused on undisclosed multi-year maintenance-record requirements, pre-existing-condition exclusions, low cash buyouts, and service delays, while Arizona focused on undisclosed payment caps ($1,500/$500), excluded appliances, and false "24/7" service claims. Separately, a 2019 New Jersey Supreme Court ruling (Kernahan) found CHW's arbitration clause unenforceable for being confusing and misleading, without ruling on the underlying fraud allegations. The company also faces active Telephone Consumer Protection Act litigation over unsolicited telemarketing calls and texts.
Court & Public Records
| Case | Authority | Dates | Type | Outcome | Source |
|---|---|---|---|---|---|
| State of New Jersey v. CHW Group, Inc. Docket MID-C-135-14 | Superior Court of New Jersey, Middlesex County (Division of Consumer Affairs) | Settled | Settled New Jersey's Division of Consumer Affairs alleged CHW Group (dba Choice Home Warranty) and individuals Victor Mandalawi, Victor Hakim, and David Seruya marketed contracts as "comprehensive" while using undisclosed conditions -- such as requiring years of maintenance records never mentioned upfront -- to deny claims, and advertised "Never Pay for Covered Home Repairs Again." A Final Consent Judgment (file-stamped June 9, 2015) required $779,913.93 in fines and restitution, business-practice reforms, an independent compliance monitor for up to two years, and a one-year requirement to resolve Division-referred consumer complaints within 60 days or route them to binding arbitration via the Division's ADR Unit. | Source | |
| Arizona Attorney General v. Choice Home Warranty | Maricopa County Superior Court (Arizona Attorney General consumer-fraud action) | Settled | Settled Arizona's AG alleged Choice Home Warranty collected payments while systematically denying or excluding advertised coverage (e.g., refrigerators, A/C units), used undisclosed payment caps ($1,500 general/$500 plumbing), made false '24/7 swift service' claims, and delayed or denied legitimate claims. Judgment was entered January 23, 2026 for $11.8 million -- which the Arizona AG's office called the largest settlement with a home warranty company in Arizona history -- covering Arizona customers who purchased by phone (the AG's own materials give the covered purchase window inconsistently, alternately as January 1, 2013 - January 1, 2023 and as January 1, 2013 - December 31, 2025), without an admission of wrongdoing. The restitution-claim deadline was August 1, 2026. | Source | |
| Jubb v. CHW Group, Inc. Docket 2:23-cv-23383 | U.S. District Court, District of New Jersey | Filed | Filed — no final outcome recorded TCPA class action alleging telemarketing calls placed to numbers on the National Do-Not-Call Registry and outside permitted calling hours. The court denied CHW's motion to dismiss on March 28, 2025, allowing plaintiffs to pursue alternative theories of liability -- but expressly limited any eventual recovery to only one of the two violations (Do-Not-Call vs. calling-hours) per call, not double recovery for the same call. | Source | |
| New York Department of State v. CHW Group, Inc. Docket 2025-C-062607 | New York Department of State (telemarketing consent order) | — | Settled | Settled The New York Department of State alleged CHW Group (dba Choice Home Warranty) called consumers whose numbers had been on the National Do Not Call Registry for 31+ days. CHW settled for a $92,800 civil penalty, agreed not to call such New York consumers without a documented express request, and agreed to register as a telemarketer in New York before further telemarketing there. The matter was resolved as a disputed/alleged consent order, not an adjudicated finding. | Source |
| Kernahan v. Home Warranty Administrator of Florida, Inc. and Choice Home Warranty Docket A-15 September Term 2017, 079680 | Supreme Court of New Jersey | — | Judgment | Judgment entered The New Jersey Supreme Court affirmed a lower court's refusal to compel a CHW customer's dispute into arbitration, holding the contract's arbitration provision lacked mutual assent because it was "confusing, contradictory, and, in part, misleading" (236 N.J. 301 (2019)). The ruling addressed the enforceability of the arbitration clause specifically and did not adjudicate the customer's underlying consumer-fraud allegations. | Source |
Company Relationships
- Affiliated with: Rely Home, Inc.