One major national provider is currently banned from selling home warranties in Georgia. Here’s what happened, what Georgia law actually protects, and who to consider instead.

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Before comparing providers for a Georgia property, there’s a critical, current fact worth knowing upfront: Choice Home Warranty is currently prohibited from selling or soliciting home warranty or service contracts in Georgia, following an order from Georgia’s Insurance and Safety Fire Commissioner. If you’ve seen Choice recommended in other general “best home warranty” comparisons, including some of our own broader guides on this site, that recommendation does not apply to Georgia — this state-specific restriction overrides any general ranking.

A Critical Update: Choice Home Warranty’s Georgia Prohibition

Georgia Insurance and Safety Fire Commissioner John F. King announced that, effective immediately as of the order, Choice Home Warranty is barred from selling or soliciting home warranty or service contracts anywhere in the state. This is a direct regulatory prohibition, not a voluntary withdrawal from the market — meaning Georgia residents should not expect to be able to legitimately enroll in a new Choice Home Warranty plan while this order remains in effect. If you’re comparing Choice against other providers using our full Choice Home Warranty Review or the Best Home Warranty Companies of 2026 comparison, factor this Georgia-specific restriction in before making a decision, and confirm current status directly with the Georgia Office of Commissioner of Insurance and Safety Fire before assuming any change has occurred.

How Georgia Regulates Home Warranties

Home warranties in Georgia are categorized as “extended service contracts” under O.C.G.A. § 33-7-6, regulated by the Office of Commissioner of Insurance and Safety Fire. Providers offering these contracts in Georgia are generally required to be guaranteed by a surety bond — with bonding requirements in the range of $100,000 to $250,000 depending on the specific contract structure — filed with and approved by the Commissioner, including required disclosures, recordkeeping standards, and a formal complaints process.

An Additional Layer of Consumer Protection

Beyond the insurance-specific statute, Georgia’s Fair Business Practices Act (O.C.G.A. § 10-1-390 et seq.) separately prohibits deceptive warranty practices, giving Georgia consumers a second legal avenue if a provider’s marketing or claims practices cross into genuinely deceptive territory — a meaningful additional layer beyond the insurance regulatory framework alone.

The Commissioner’s Own Consumer Tips

Georgia’s Insurance and Safety Fire Commissioner’s office offers direct guidance worth repeating here: determine your actual needs before shopping (not every plan offers the protection you specifically require), get multiple quotes rather than accepting the first offer, and read the contract fully before signing, never based on a sales pitch alone.

Where to File a Complaint

Georgia residents can reach the Commissioner’s Consumer Services Division directly at 1-800-656-2298 with questions or complaints about a specific home warranty provider.

What Matters Most for Georgia Homeowners

Humidity and Heat Stress on HVAC

Georgia’s humid subtropical climate — hot, sustained summer heat combined with high humidity — puts continuous strain on air conditioning systems, similar in intensity to the climate factors covered for Texas and Florida. As covered in Does a Home Warranty Cover HVAC Systems?, prioritizing a provider with a higher HVAC coverage cap is particularly relevant here.

Severe Storm Risk Isn’t a Home Warranty Matter

Georgia experiences meaningful severe thunderstorm and occasional tornado risk, particularly in spring. As with hurricane damage in Florida, storm and wind damage is a homeowners insurance claim, never a home warranty claim — a home warranty protects against mechanical failure from normal wear, not damage from a specific storm event.

Provider Availability in Georgia

Given the current Choice Home Warranty prohibition, the remaining major national providers covered in this comparison series — American Home Shield, Cinch Home Services, Liberty Home Guard, First American Home Warranty, Select Home Warranty, AFC Home Club, and 2-10 Home Buyers Warranty — represent the realistic field to compare for a Georgia property. Old Republic Home Protection, which concentrates on Western and Southwestern states, is less likely to serve Georgia directly — confirm availability before prioritizing it here.

Top Picks for Georgia

Best Overall Given Current Market Restrictions

American Home Shield — nationwide availability and a $5,000 HVAC cap make it a strong default choice for Georgia’s humid, AC-heavy climate, especially with Choice currently unavailable.

Best for Rust/Corrosion Concerns in a Humid Climate

Cinch Home Services — Georgia’s humidity can accelerate corrosion on outdoor components similarly to coastal climates; Cinch’s explicit rust and corrosion coverage is a genuine differentiator here.

Best for Straightforward Coverage

Select Home Warranty — a reasonable, budget-conscious alternative now that one of the traditionally cheaper national options (Choice) is unavailable in-state.

Frequently Asked Questions

Can I still buy a Choice Home Warranty plan in Georgia? No — Choice Home Warranty is currently prohibited from selling or soliciting contracts in Georgia by order of the state’s Insurance and Safety Fire Commissioner. Confirm current status directly with the Commissioner’s office before assuming this has changed.

Who regulates home warranty companies in Georgia? The Office of Commissioner of Insurance and Safety Fire, under O.C.G.A. § 33-7-6, which classifies home warranties as “extended service contracts” requiring surety bonding and Commissioner approval.

Does Georgia have extra consumer protection beyond insurance law? Yes — the Fair Business Practices Act (O.C.G.A. § 10-1-390 et seq.) separately prohibits deceptive warranty practices, giving Georgia consumers an additional legal avenue beyond insurance-specific regulation.

Where do I file a home warranty complaint in Georgia? Through the Georgia Office of Commissioner of Insurance and Safety Fire’s Consumer Services Division at 1-800-656-2298.

Does a home warranty cover storm or tornado damage in Georgia? No. Storm and wind damage is a homeowners insurance matter, entirely separate from home warranty coverage, which addresses mechanical failure from normal wear rather than damage from a specific weather event.

If I already have a Choice Home Warranty plan in Georgia, does the prohibition cancel it? This article can’t answer that definitively for your specific situation — contact the Georgia Office of Commissioner of Insurance and Safety Fire directly to understand how the prohibition affects existing contracts versus new sales.

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Related reading: American Home Shield Review: Plans, Pricing & Complaints · Cinch Home Services Review: Pros and Cons · Does a Home Warranty Cover HVAC Systems?

Information in this article reflects publicly available regulatory data as of mid-2026, including a Georgia Insurance and Safety Fire Commissioner order prohibiting Choice Home Warranty from selling contracts in the state. Regulatory status and provider availability change over time — always confirm current details directly with the Georgia Office of Commissioner of Insurance and Safety Fire and your chosen provider before purchasing.