Elite Home Warranty Bankruptcy: Options Limited for Customers Owed Money

Elite Home Warranty, a New York-based company that offered plans in more than 40 states, filed Chapter 7 bankruptcy in November 2025. The company is no longer honoring service agreements and, according to customers on Reddit, hasn’t answered their phones in months.

Elite customers have until January 30, 2026, to let the bankruptcy court know the company owes them money, although the chances of recouping costs are limited.

A home warranty company’s bankruptcy can be unsettling for customers who need repairs or who paid in full for their coverage in advance, but there are a few things you can do if you find yourself in this situation.

What does this mean for Elite Home Warranty?

Essentially, the company has gone out of business. When companies file bankruptcy, they can choose between shutting down or reorganizing, which lets them continue to serve customers while changing their operations. The type of bankruptcy Elite Home Warranty filed means it’s selling its property and paying off its creditors, known as liquidating its assets, and closing its doors.

Is my home warranty still active?

Answer: No.

If you had a plan with Elite Home Warranty, it’s no longer active. As part of its shutdown, the company isn’t accepting repair requests or managing any existing claims. If you had a repair in progress when Elite filed bankruptcy, you’ll have to pay for it out of pocket.

Can I get a refund or reimbursed?

Answer: Probably not.

It’s unlikely that customers will get any money from Elite Home Warranty. The type of bankruptcy that Elite filed requires the company to pay what are known as secured creditors, such as banks or lenders that provided Elite with loans. These secured creditors have liens or contracts that legally require Elite to pay them, so they get first dibs at any money Elite earns from selling its assets.

Customers would be in line to get paid only after secured creditors are paid. However, when Elite filed bankruptcy, the company said that it doesn’t anticipate having any money available after it’s paid its secured creditors. That means Elite doesn’t think it’ll have money left over to refund customers.

Can I try to get my money back?

Answer: Maybe.

If you had an Elite Home Warranty plan, you can file a form with the bankruptcy court. Called a Proof of Claim, the form adds you to the list of parties that Elite must pay if it has any funds leftover after paying its secured creditors. Your Proof of Claim form might be accepted if Elite owed you money for a reimbursement, a repair that it approved or a refund.

To submit the form, you’ll need to provide supporting documentation, such as your contract to show you were a customer, bank or credit card statements that prove you paid for coverage in advance, or emails that show the company agreed to pay for repairs it didn’t pay before filing bankruptcy.

Outside of filing a claim with the court or speaking with an attorney, there’s not much you can do to get your money back from Elite. There are a few things you can do to replace or find a substitute for your old home warranty coverage, though.

Open a high-yield savings account for home repairs. A high-yield savings account will get you a higher interest rate than a traditional savings account. That makes it a great option for putting away money each month to save up for future home repairs. A bonus to replacing your home warranty with a savings account is that there are no exclusions to the types of repairs you can use the money for!

Replace your home warranty with a different one. If you want a new home warranty, compare your options, and take your time looking at companies’ prices, plans and exclusions to find one that fits your needs and budget.

Research your repair options before you need them. You don’t want to waste time getting service company recommendations from friends when it’s already below freezing outside and your furnace just quit. If you anticipate needing certain repairs soon, do the research now. Look up companies in your area and read reviews to make a list of reputable companies that you can call if you do wake up to a chillier house than you expected.

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