Fidelity National Home Warranty Reviews

Updated August 26, 2020

Everything you need to know about Fidelity National Home Warranty

Fidelity National Home Warranty opened for business in 1974 in Concord, California. It currently operates with over 850 employees across 17 states including Arizona, Colorado, California, Florida Georgia, Idaho, Illinois, Indiana, Kentucky, Missouri, Nevada, Ohio, New Mexico, Oregon, Texas, Washington, and Utah. Although the company offers its home warranty programs at a highly competitive rate, Fidelity doesn't typically receive positive reviews from customers. Reviews of the company on Consumer Affairs and BBB, the Better Business Bureau, consistently gave it one star for poor customer service.

Fidelity National Home Warranty at a glance:

Plan options: 4 options from Standard to Enhanced Plus Plan
Length of contract: 1 year
Offers services in 17 states
Prices start at $265 per year
Service fees: $75 claim deductible
Length of work guarantee: 30 days labor/90 days parts
BBB rating: A+

How Fidelity National Home Warranty compares:

| | Fidelity National Home Warranty | American Residential Warranty | America's 1st Choice Home Club | | ---------------------------- | ---------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------- | | Plan options | 4 options from Standard to Enhanced Plus Plan | 6 options | 4 options | | Length of contract | 1 year | None | There are 1-year and 3-year plans | | Availability | 17 states | 50 states | 46 states | | Price | Starting at $265 per year | Starting at $39.99/mo. | Depending on the plan and your location, pricing could range between $43 and $60 per month. You must contact them for a free quote. | | Service Fees | $75 claim deductible | $55 claim deductible | $75–$125 | | Length of work guarantee | 30 days labor/90 days parts | 30 days | The lifetime of the plan | | BBB Rating | A+ | A+ | B |

Fidelity National Home Warranty pros and cons:

| Pros | Cons | | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | - Competitively priced coverage at $265 per year - All their service providers are insured - Low $75 service charge compared to others in the industry - Four plans available | - Currently only available in 17 states - Numerous complaints of poor customer service - Confusing contract terms - Refrigerators and air conditioning units are not covered on the basic plan |

A deeper look at Fidelity National Home Warranty

Fidelity National Home Warranty offers 4 plans:

Standard Plan

What does it cost? $300 per year for a single-family home What does it cover? | Systems | Appliances | | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------- | | - Plumbing System - Central Heating System - Electrical System - Central Vacuum System - Toilets - Sump Pump - Built-in Whirlpool Bathtub - Recirculating Hot Water Pump - Pressure Regulator - Garbage Disposal - Water Heater - Ductwork - Telephone Wiring - Ceiling Fans - Attic Fans - Kitchen Exhaust Fan - Whole House Fan - Smoke & Carbon Monoxide Detectors | - Instant Hot Water Dispenser - Garage Door Opener - Doorbell - Pest Control - Re-Key - Dishwasher - Range/Oven/Cooktop - Built-in Microwave - Trash Compactor |

Comprehensive Plan

What does it cost? $35.83 per month for a single-family home What does it cover? | Systems | Appliances | | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------- | | - Plumbing System - Central Heating System - Electrical System - Central Vacuum System - Toilets - Sump Pump - Built-in Whirlpool Bathtub - Recirculating Hot Water Pump - Pressure Regulator - Garbage Disposal - Water Heater - Ductwork - Telephone Wiring - Ceiling Fans - Attic Fans - Kitchen Exhaust Fan - Whole House Fan - Smoke & Carbon Monoxide Detectors - Air Conditioner - Comprehensive Option | - Instant Hot Water Dispenser - Garage Door Opener - Doorbell - Pest Control - Re-Key - Dishwasher - Range/Oven/Cooktop - Built-in Microwave - Trash Compactor |

Enhanced Plan

What does it cost? $43.33 per month for a single-family home What does it cover? | Systems | Appliances | | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | -------------------------------------------------------------------------------------------------------------------------------------------------------------- | | - Plumbing System - Central Heating System - Electrical System - Central Vacuum System - Toilets - Sump Pump - Built-in Whirlpool Bathtub - Recirculating Hot Water Pump - Pressure Regulator - Garbage Disposal - Water Heater - Ductwork - Telephone Wiring - Ceiling Fans - Attic Fans - Kitchen Exhaust Fan - Whole House Fan - Smoke & Carbon Monoxide Detectors - Air Conditioner - Comprehensive Option - Washer/Dryer/Refrigerator | - Instant Hot Water Dispenser - Garage Door Opener - Doorbell - Pest Control - Re-Key - Dishwasher - Range/Oven/Cooktop - Built-in Microwave - Trash Compactor |

Enhanced Plus Plan

What does it cost? $52.50 per month for a single-family home What does it cover? | Systems | Appliances | | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------- | | - Plumbing System - Central Heating System - Electrical System - Central Vacuum System - Toilets - Sump Pump - Built-in Whirlpool Bathtub - Recirculating Hot Water Pump - Pressure Regulator - Garbage Disposal - Water Heater - Ductwork - Telephone Wiring - Ceiling Fans - Attic Fans - Kitchen Exhaust Fan - Whole House Fan - Smoke & Carbon Monoxide Detectors - Air Conditioner - Comprehensive Option - Washer/Dryer/Refrigerator - Mods & More | - Instant Hot Water Dispenser - Garage Door Opener - Doorbell - Pest Control - Re-Key - Dishwasher - Range/Oven/Cooktop - Built-in Microwave - Trash Compactor |

Additional optional coverage

Kitchen refrigerator for $50
Washer/dryer for $80
Air conditioning for $80
Pool and spa equipment for $170
Limited septic leak for $75
Roof leak repair for $100-$160

Does Fidelity National Home Warranty have coverage limits?

Home warranties are meant to protect families from exorbitant fees that come up when an appliance or system in the home malfunctions. Many companies, including Fidelity National Home Warranty, place coverage limits on individual pieces of equipment or parts of a system. If a coverage limit is placed on an appliance that it would normally cover and the fee to fix said appliance exceeds that amount, the homeowner is then required to pay out of pocket for these additional costs. Coverage limits with Fidelity National Home Warranty would look something like this in each contract:

Concrete-encased or inaccessible plumbing lines: $1,000
Ductwork: $1,000
Water Heater/heating combination unit, hot water or steam circulating heating system: $1,500
Appliance Limit Upgrade Option: $10,000
Salt Water Pool/Spa Equipment Option: $1,500
Kitchen Refrigerator Option: $5,000
Additional Refrigerator Coverage Option: $1,000
Clothes Washer and Dryer Option: $5,000
Water Softener/Reverse Osmosis Water Filtration System Option: $500
Well Pump Option: $1,500
Septic Tank System/Septic Tank Pumping Option: $500
Sewage Tank System/Septic Tank Pumping Option: $500
Sewage Ejector Pump Option: $500
Limited Roof Leak Repair Option: $1,000
Ornamental Fountain Option: $500
Additional Encased ($1,000) and External ($1,000) Pipe Leak Option: $2,000
Smart Home Option: $5,000

Fidelity National Home Warranty reviews

Fidelity National Home Warranty is not well known for good customer feedback. Many complain about how little the company works at customer retention and about the speed of services after a claim has been made. On Consumer Affairs, Fidelity has received a 1.1-star overall rating based on 56 ratings over the last year. Fidelity National Home Warranty is an accredited business with BBB, with a rating of an A+. Keep in mind that customer reviews are not used when BBB calculates its ratings. Out of 259 total customer reviews sent in at BBB, Fidelity National has received an average 1-star rating.

The bottom line

Fidelity National Home Warranty does offer competitive rates compared to other companies in the same market. Its standard plan, however, doesn't include basic appliances such as a kitchen refrigerator or air conditioning, and some customers have reported many hidden fees. Overall, if you are looking for one of the cheapest options on the market, Fidelity National offers some valuable plans. If you are looking for quality customer service and quick fixes on claims, though, you may want to look elsewhere.

Frequently asked questions

How does a Fidelity National home warranty work? Fidelity National Home Warranty offers plans for home sellers and buyers to cover their home systems and appliances. The buyer's coverage begins at the time of home closing and continues for 12 months, upon which time a renewal is required. How much is Fidelity Home Warranty? Fidelity National Home Warranty starts at $22.08 per month. This price can vary greatly depending on the type of home, location of the home, and other factors. What does a Fidelity Home Warranty cover? A home warranty offered by Fidelity National is meant to cover repairs and replacement for a large variety of systems and appliances around the home, including mechanical, electrical, and plumbing-type appliances.

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