Fidelity National Home Warranty Review (2024)

Written by Dana Getz + 1 other

Reviewed by Jacquelyn Kfoury Updated 06/19/2024

Dana Getz is an experienced content manager with more than a decade of publishing experience across various industries. She has spent the last several years covering home services, specializing in home warranty recommendations and helping consumers make informed purchasing decisions.

Fidelity National Home Warranty got its start in 1995 as Alliance Home Warranty. The company has gone through several mergers and transitions, and officially became Fidelity National Home Warranty in 2001. Though Fidelity is available in only 17 states, it provides decent coverage at an affordable price.

Choosing the best home warranty provider can be challenging, especially if you don’t have the time to research service plans, costs, and customer reviews. Because of this, we have done the legwork for you in this comprehensive Fidelity home warranty review and found details on coverage, pricing, and current ratings. We recommend Liberty Home Guard as our top pick for its high customer ratings and expansive plan options.

For any homeowner thinking about purchasing a home warranty, we recommend multiple quotes from the top companies:

Higher coverage for high-end appliances 90-day workmanship guarantee Service call fee rolled into annual premium

Pros and Cons of Fidelity Home Warranty

Here Are the Pros and Cons of Fidelity Home Warranty:

Doesn’t have an age limit on covered items

Has a $65-$75 deductible, which is in line with the industry average fee of $75–$125

Doesn’t have a sample contract on their website

Refrigerators and air conditioning aren’t covered under Fidelity’s most basic plan

What Do Fidelity National Home Warranty Plans Cover?

Fidelity offers four plans, but the availability of those plans varies across the 17 states the company serves. Below is a breakdown of what each plan covers:

Coverage

In addition to its four core plans, Fidelity Home Warranty offers optional coverage for many systems and appliances. Depending on your state, the following add-ons may be available:

• Kitchen refrigerator
• Washer/dryer/kitchen refrigerator with water dispenser and ice maker
• Additional refrigeration
• Appliance limit upgrade
• Washer/dryer

• Limited septic leak
• Septic tank system
• Sewage ejector pump
• Well pump
• Water softener/reverse osmosis water filtration system
• Extended slab leak limit/extended pipe leak
• Roof–leak repair coverage

• Pool and spa equipment
• Ornamental fountain motor + pump
• Home improvement installation
• Outdoor kitchen
• Smart home
• Homeowners insurance deductible coverage

• Air conditioning
• Pre-season HVAC tune-up
• Emergency lodging/portable AC reimbursement

In our review of Fidelity Home Warranty, we noticed that while coverage under the Standard plan is comprehensive, there are some notable differences when compared to the items covered under standard service plans offered by other companies. For example, companies like First American Home Warranty and AFC Home Warranty include refrigerators, washers, and dryers as part of their basic plan coverage, whereas Fidelity does not.

Note: Fidelity National Home Warranty has a limited service area. Its offerings are currently available only in the following states:

• Arizona
• California
• Colorado
• Florida
• Georgia
• Idaho
• Illinois
• Indiana
• Kentucky
• Missouri
• Nevada
• New Mexico
• Ohio
• Oregon
• Texas
• Utah
• Washington

Fidelity National Home Warranty Pricing

Fidelity National Home Warranty plans cost $30.40 per month or $364.80 for an annual plan. Our expert reviewer, Jacqueline Kfoury, noted this is one of the lowest monthly premiums she has seen. However, this cost will vary based on where you live, how big your house is, the type of home you have, and the amount of add-ons you include in your plan.

Fidelity Home Warranty charges a $65-$75 service fee for every claim made, which is at the lower end of the $75–$125 industry average. This means that whenever a service technician comes to your house to address the broken system or appliance, you’ll have to pay a $65-$75 service fee, with the exact price determined by where you live.

Fidelity Coverage Caps

Some items in your Fidelity warranty will have repair limits and coverage exclusions. When you sign up for service, your contract will contain complete details of coverage limitations, letting you know exactly what types of repairs are covered and which parts or damages are not. Ask if you can read a sample contract before signing up for coverage so you understand these limits and learn what is and isn’t covered.

How Do You File a Fidelity National Home Warranty Claim?

Once you have an account with Fidelity National Home Warranty, you can easily submit a claim for service via a link on their website.

You can also call Fidelity National Home Warranty at 1-800-862-6837 to request service.

A qualified service technician will be contacted within three hours during normal business hours and within 48 hours on weekends.

The approved service technician will contact you to set up an appointment to inspect and diagnose the problem. If your issue is an emergency, Fidelity National Home Warranty will try to get someone scheduled to come to your home as soon as possible. When the service technician arrives, you will pay the $65-$75 service call fee.

Fidelity National Home Warranty Reviews

Fidelity National Home Warranty has been Better Business Bureau-accredited since 2005 and holds an A+ rating with the BBB.

• Positive customer reviews reveal a high rate of customer satisfaction, quick service, and dependable coverage. Negative Fidelity home warranty reviews discuss customers only receiving partial payments and “getting the runaround” from Fidelity National Home Warranty.

“I have been with Fidelity National Home Warranty for three years now. This company has never failed to meet the mark in providing great customer service. The service providers that have been dispatched have all been great with the exception of one. In that singular instance, I simply contacted Fidelity, and they dispatched a new provider who did great work.” — Chris W., 5 stars, BBB, 7/15/2019

“I have dealt with several home warranty companies over the years and this company has been by far the worst experience I have had. I would NEVER USE THEM AGAIN. I have called repeatedly to correct a service fee issue for an issue that they ended up sending out the same HVAC contractor out three times and the only thing I saw them do is collect three service fees. They were supposed to have their dispute resolution group contact me on two separate occasions and I NEVER received a call. On this third visit, I again paid the service fee and they are now sending me an invoice saying the service fee is unpaid and due. I have a copy of the cancelled check. Again, NEVER again. There are too many reputable companies out there for me to do business with this company again.” — Scott B., 1 star, BBB, 4/13/2017

Our Reviews Team has also received feedback from a This Old House reader who noted that their experience with the company has been far from pain-free:

“I would like to warn people about this company[,] which is a fraudulent operation. It should be put out of business by the government. It’s one big hassle doing business with them. You are frustrated at every turn!” — Bob R., 2/17/2021

How Does Fidelity Home Warranty Compare to the Competition?

We recommend comparing Fidelity to other top home warranty providers and getting a quote from each company to compare pricing and negotiate the best deal for your home warranty plan. Compare Fidelity National Home Warranty to one of our top-rated recommendations, American Home Shield, below:

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