Claim Process Begins for Sensible Home Warranty Customers

PHOENIX – The Arizona Department of Insurance is trying to locate consumers who purchased Arizona home warranty contracts from Sensible Home Warranty, which went out of business last year. Partial refunds may be available for some Arizona consumers who pre-paid their premiums, or who paid to repair or replace equipment and did not receive a payment from Sensible Home Warranty.

Arizona law required Sensible Home Warranty to make a deposit to protect Arizona consumers. Consumers who think they paid for something that Sensible Home Warranty should have paid for, or who pre-paid a premium, may file a claim with the Department of Insurance.  The Department of Insurance will divide the deposit among the consumer claims it approves. 

To be eligible, consumers must file proof of claim forms no later than 5:00 p.m. August 3, 2015.

CLICK HERE TO DOWNLOAD A CLAIM FORM, or call (602) 364-2496 to request a form.  When filing the claim form, consumers should include other items that support their claim.   Supporting items are things like the Sensible Home Warranty contract and receipts for repairs or replaced equipment.

To be eligible, harmed Arizona consumers should submit a claim and provide documentation showing that she or he:

  • prepaid for a Sensible Home Warranty contract issued in Arizona and which expires after June 16, 2014; or
  • held a  Sensible Home Warranty contract issued in Arizona, valid during the period of March 25, 2011 through June 16, 2014, and both
  • paid to repair or replace an appliance or equipment covered by the contract; and,
  • was not fully reimbursed for the money paid according to the terms and conditions of the Arizona contract.

Interested consumers should send completed forms and supporting documents


ATTENTION: Sensible Home Warranty
Arizona Department of Insurance
2910 North 44th Street, Suite 210
Phoenix, Arizona 85018-7269


[email protected]

The Department of Insurance must treat all claim forms and supporting documents as public records. Consumers who have questions about the forms or the process should contact [email protected], or call 602.364.2496.

The Arizona Department of Insurance cannot predict how much any one consumer will receive in refunds. The Department will decide the refund amounts. The Department will make the decision based on the number of consumers, the amount of the claim and how much money is available in the deposit.

About the Arizona Department of Insurance

The Arizona Department of Insurance, an agency of the State of Arizona, is responsible for the education and protection of insurance consumers and for oversight of the insurance industry in the state.


Warning - Phishing Scam

We are aware of a phishing scam targeting insurance professionals claiming that the National Association of Insurance Commissioners received a complaint that the professional submitted a falsified claim. This fraudulent email displays the NAIC and CIPR logos, can originate from what appears to be an or email account, and instructs the recipient to click on a link to download the complaint notification.

Certain antivirus products will detect this as a malicious email.  If you receive a similar email and have any concerns, contact the NAIC Service Desk at (816) 783-8500 or [email protected].

Health Insurance Telemarketers Annoy; Pose Fraud Risks

Phoenix, AZ—The Arizona Department of Insurance (ADOI) wants to make citizens aware of scams involving aggressive telemarketers attempting to sell health insurance plans and, in some cases, attempting to gain personal and financial information possibly for criminal purposes.

The ADOI has received complaints from people who received multiple phone calls, robocalls, and text messages claiming to be from the National Health Enrollment Center, the Healthcare Enrollment Center and from Some people report that they were contacted multiple times a day, sometimes from different phone numbers, despite requests to be placed on the companies' do-not-call lists. Additionally, some people report having been asked to provide health insurance enrollment information, including such information as address, date of birth, social security number, and personal health information that, in the wrong hands, could be used in identity theft or other fraud schemes.

Arizona citizens who have received persistent phone calls or text messages from these or other callers attempting to sell them health insurance are encouraged to file a complaint with:

Federal Trade Commission (FTC)

Arizona Department of Insurance Consumer Protection Division

  • Visit
  • Or call the ADOI’s Consumer Protection Hotline at 602-364-2499, or 1-800-325-2548 if calling within Arizona but outside Maricopa County.

We can all take steps to avoid becoming victims of fraud.

  • Never provide someone who calls you with your bank account number, your social security number, your credit card number, or your personal health information. If you are asked to provide this information, hang up.
  • Research the insurance agent and insurance company you are considering using by finding their license information through the ADOI’s License Search webpage (, and use contact information in the license record to contact them. Be skeptical and do research.
  • For information about insurance available from Health Insurance Marketplace, visit the website or call directly at 1-800-318-2596. The Arizona Department of Insurance is a state agency dedicated to protecting Arizona citizens and businesses by promoting a safe, strong, innovative and competitive insurance marketplace.

The Arizona Department of Insurance is a state agency dedicated to protecting Arizona citizens and businesses by promoting a safe, strong, innovative and competitive insurance marketplace.


Click here to view invoices for annual assessments to insurance companies and service companies. Payments are due August 9, 2019

Follow the instructions on the first page of the document to locate the invoice that applies to your company.  

Please consider using the OPTins "Assessment" account to pay your assessment invoice.  

Arizona Sample Notice of Continuation Coverage (Mini-COBRA)

Pursuant to ARS § 20-2330, a health benefits plan issued or renewed after December 31, 2018, must allow an enrollee and any qualified dependent to continue coverage after a qualifying event.  The law requires a small employer (with an average of at least 1 but fewer than 20 employees) to notify an enrollee in writing of the right of the enrollee and any qualified dependents to continue coverage under the employer's health benefits plan upon an enrollee's qualifying event.  Pursuant to Subsection C of the law, the Department has prepared a sample notice of coverage continuation form and is making the sample available on its website.  A small employer that uses, properly completes, and timely issues the Department's form is presumed to satisfy notification requirements.  On January 23, 2019, the Department uploaded a new version of the form.

Regulatory Bulletin 2019-01

Use of Credits and Premium Rebates in the Health Insurance Market