Elite Home Warranty Filed Chapter 7. What Policyholders Need to Know
Elite Home Warranty LLC filed a voluntary Chapter 7 liquidation petition on November 21, 2025 in the U.S. Bankruptcy Court for the Eastern District of New York, case number 1:25-bk-45623. The case was reported closed on March 6, 2026. The company is not selling policies and is not servicing claims.
We rated Elite highly until this year. It is now removed from our rankings entirely, and this page exists because the search demand is real and the useful answer is not "page not found".
What the filing says
Chapter 7 is liquidation, not reorganization — there is no version of this where the company reopens. The court record lists assets of $0–$100k against liabilities of $1M–$10M, with between 5,001 and 10,000 creditors. The proof-of-claim bar date was January 30, 2026.
The entire elitehw.com marketing site has been replaced by a single notice of the bankruptcy filing. The company previously operated in 40+ states.
If you held an Elite policy
Your contract is very unlikely to pay out. With 5,001–10,000 creditors against assets of at most $100,000, policyholders are unsecured creditors near the back of a queue with almost nothing in it. The proof-of-claim deadline has also passed and the case is closed.
Three practical steps:
- Stop any recurring payment. Check your card or bank statement for a live subscription and cancel it directly with your bank if the company cannot be reached.
- Keep your paperwork. Your contract, payment records and any claim correspondence are what you would need if any distribution or successor process ever emerges.
- Do not pay anyone promising to recover your money. A liquidated estate with these numbers does not support a recovery service, and this is a well-known setup for a second loss.
Getting covered again
If you want warranty cover, the honest lesson from Elite is that a strong review score does not tell you about solvency. We now weight complaint pattern and rating agencies more heavily than headline caps.
- ARW Home — BBB A+ and Trustpilot 3.9 across 1,184 reviews, with complaints that are about slow dispatch rather than denied claims. Pricing is quote-only.
- Cinch Home Services — covers unknown pre-existing conditions and rust/corrosion, which is what older kitchens actually fail on.
- Liberty Home Guard — widest add-on menu in the industry, but we disclose its BBB NR-with-a-pattern-of-complaints note prominently.
Or skip the warranty entirely. For many households the math does not work — run it with our worth-it guide, and if a specific appliance has failed, repair-or-replace is the faster answer.
Full ranked comparison at /compare.