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Fidelity National Home Warranty Review

In this Fidelity National Home Warranty review, we provide an in-depth look at the company’s plans, prices, reputation and more to help you figure out if this home warranty company is right for you.

A bright kitchen with high ceilings, windows, white cabinets with dark countertops, an island, and stainless steel appliances Photo by Jurgen Frank

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, the This Old House Reviews Team has done the legwork for you in this comprehensive Fidelity home warranty review and found details on coverage, pricing, and current ratings.

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

Pros and Cons of Fidelity Home Warranty

Compare the advantages and disadvantages of signing up for Fidelity National Home Warranty:

Pros and Cons

Pros Cons
Pros Cons
Doesn’t have an age limit on covered items Doesn’t have a sample contract on their website
Has a $65-$75 deductible, which is in line with the industry average fee of $75–$125 Refrigerators and air conditioning aren’t covered under Fidelity’s most basic plan

Fidelity National Home Warranty Plans and Coverage

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:


System/Appliance Standard Plan Comprehensive Plus Plan Enhanced Plan Enhanced Plus Plan
System/Appliance Standard Plan Comprehensive Plus Plan Enhanced Plan Enhanced Plus Plan
Air conditioning system
Central heating system
Evaporative cooler
Plumbing system
Plumbing stoppages
Sump pump
Built-in Whirlpool bathtub motor pump
Recirculating hot water pump
Garbage disposal
Instant hot water dispenser
Water heater
Electrical system
Telephone wiring
Ceiling fans
Central vacuum
Garage door opener
Attic and exhaust fans
Kitchen exhaust fan
Smoke detectors
Built-in microwave oven
Trash compactor
Mismatched systems
Improper installation, repairs, or modifications
Removal of defective equipment
Refrigerant recapture, recovery, and disposal
Code violations
More plumbing elements
More heating and air conditioning elements
More ceiling fan elements
More dishwasher elements
More range/oven/cooktop elements
More built-in microwave oven elements
More trash compactor elements
More garage door opener elements
Kitchen refrigerator
Water heater expansion tank
Radiant/hot water/steam heat
Stoppages due to roots
More code violations/modifications
Cost for labor on manufacturer’s warranty covered items

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
  • Air conditioning
  • Pool and spa equipment
  • Limited septic leak
  • Roof leak repair
  • Washer/dryer/kitchen refrigerator with water dispenser and ice maker
  • Additional refrigeration
  • Appliance limit upgrade
  • Septic tank system
  • Sewage ejector pump
  • Well pump
  • Ornamental fountain motor + pump
  • Water softener/reverse osmosis water filtration system
  • Extended slab leak limit/extended pipe leak
  • Home improvement installation
  • Outdoor kitchen
  • Pre-season HVAC tune-up
  • Smart home
  • Emergency lodging/portable AC reimbursement
  • Homeowners insurance deductible coverage

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 Club 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. 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 deductible, 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.

Photo by John Gruen

Fidelity National Home Warranty Claim Process

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

Fidelity Home Warranty Compared to the Competition

Since Fidelity Home Warranty is not offered by This Old House, 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 American Home Shield and Choice Home Warranty below:

Compare Home Warranties

Provider Fidelity National Home Warranty American Home Shield Choice Home Warranty
Provider Fidelity National Home Warranty American Home Shield Choice Home Warranty
Get a free quote Not offered by This Old House Visit Site Visit Site
Number of plans 4 + optional add-ons 3 + optional add-ons 2 + optional add-ons
Price per month $30–$40 $40–$58 $36–$44
Service fee $65–$75 $75–$125 $85
Additional benefits Partnered with EC Purchasing to offer exclusive discounts to real estate agents looking to buy home warranty plans for their customers Allows customers to select their own service fee Provides after-hours service and doesn’t deny coverage based on the age of systems or appliances

Our Conclusion

With an A+ rating from the BBB and a dedication to ensuring quick, reliable service, we think Fidelity National Home Warranty is a contender in the home warranty space. However, because Fidelity doesn’t cover basic items like a refrigerator or air conditioning in its standard plan, we think customers can find better coverage elsewhere.

Our Preferred Provider: American Home Shield

While we identified several benefits in our Fidelity home warranty review, we ultimately recommend American Home Shield as the best overall company in the industry. This home warranty provider has been providing services since 1971, and unlike Fidelity National Home Warranty’s limited service area, American Home Shield offers services in all states except for Alaska.

AHS offers three comprehensive and affordable coverage plans: ShieldPlatinum, ShieldGold, and ShieldSilver. It also offers five optional coverage add-ons for your pool and spa, septic pump, well pump, guest unit, and electronics.

Company Information

  • Company name: Fidelity National Home Warranty
  • CEO: Bill Jenseh, President
  • Years in business: 35 years
  • Address: 1850 Gateway Boulevard, Suite 400
  • City/State: Concord, CA
  • Zip code: 94520
  • BBB rating: A+
You can call Fidelity National Home Warranty at 1-800-862-6837 for more information.

Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations. Our rating system for home warranty providers is on a 100-point scale based on seven factors:

  • Plan options (25)
  • Coverage specifics (5)
  • Pricing (25)
  • Trustworthiness (25)
  • State availability (5)
  • Customer service (10)
  • Additional benefits (5)

Our Reviews Team reviewed 45 companies and we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. Read more on our methodology here.

Frequently Asked Questions about Fidelity Home Warranty

What’s covered under a Fidelity warranty?

Home warranties provide coverage for major appliances and home systems such as air conditioners, water heaters, heat pumps, and plumbing. Fidelity has one plan that covers these essential items, in addition to plumbing systems and stoppages, ceiling fans, smoke detectors, and more.

How can I get a quote from Fidelity National Home Warranty?

To receive a quote, simply call Fidelity National Home Warranty at 1-800-862-6837 to speak to a customer service representative.

The representative will ask for your address and what type of home you have, and provide you with an accurate quote. Unlike most home warranty providers, Fidelity National Home Warranty does not offer a form for online quotes.

Is there a service guarantee with Fidelity?

According to the Fidelity National Home Warranty website, “Service work is guaranteed (without an additional service fee) for 30 days on labor and 90 days on parts.” This guarantee applies to malfunctions that have been reported to Fidelity National Home Warranty during the term of the contract.

Is Fidelity National Home Warranty worth it?

If you’re looking for extra coverage on home systems and appliances, Fidelity is a great choice. When a manufacturer’s warranty ends, you could be left responsible for repair or replacement costs in the event of a breakdown. However, with a home warranty service contract, you’ll save money by not having to pay the full cost of repairs and replacements.

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