Fidelity National Home Warranty Review (2025)

Fidelity National Home Warranty was originally founded as Alliance Home Warranty in 1995. After multiple mergers and transitions, it officially became Fidelity National Home Warranty in 2001. While the company operates in only 13 U.S. states, it offers solid coverage at a competitive price.

Our in-depth review of Fidelity National Home Warranty examines its coverage, pricing, and ratings. We also compare it to top-rated national home warranty providers, including American Home Shield, to help you find the best option.

Pros and Cons of Fidelity Home Warranty

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

Pros

• 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
• Offers four plans for more customized coverage

Cons

• 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 13 U.S. states the company serves. Below is a breakdown of what each plan covers:

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:

Appliances:

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

Plumbing & Water:

• 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

Outdoor Items:

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

HVAC:

• 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 Liberty Home Guard 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:

• Alabama
• Arizona
• California
• Colorado
• Florida
• Georgia
• Idaho
• Nevada
• New Mexico
• Oregon
• Texas
• Utah
• Washington

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Fidelity National Home Warranty Pricing

Fidelity National Home Warranty plans begin at $30 per month or $364 annually, though final pricing depends on factors such as your location, home size, home type, and selected add-ons. This is lower than the national average cost for home warranties, which typically range from $564–$984 per year.

The company charges a service fee of $65–$75 per claim, which falls on the lower end of the industry average of $75–$125. This fee is required each time a service technician visits to repair a covered system or appliance, with the exact amount depending on your location.

Fidelity Coverage Caps

Certain items in a Fidelity warranty come with repair limits and coverage exclusions. Your contract should detail these limitations, specifying which repairs the company will cover and any excluded parts or damages. Before enrolling in a plan, we recommend requesting a sample contract to review these terms and fully understand 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 (BBB)-accredited since 2005 and holds an A+ rating.

“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. via the BBB on July 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. via the BBB on April 13, 2017

Our 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. on Feb. 17, 2021

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How Does Fidelity Home Warranty Compare to the Competition?

We recommend comparing Fidelity with other leading home warranty providers to guarantee you get the best value. Requesting quotes from multiple companies allows you to evaluate pricing, coverage, and service options to find the right plan for your needs. See how Fidelity National Home Warranty stacks up against one of our top-rated choices, American Home Shield, below:

Compare Home Warranty Companies

Additional Fidelity Home Warranty Alternatives

Below are additional top providers you can consider for your home warranty coverage:

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The listings that appear are from companies from which this website receives compensation, which may impact how, where and in what order products appear. This listing does not include all companies or all available offers and products.

Company	Star Rating	BBB Rating	Monthly Cost	Service Fee
American Home ShieldExplore Plans	4.8/5	B	$36–$100	$100–$125
Choice Home WarrantyExplore Plans	4.7/5	B	$60–$68	$100
Elite Home WarrantyExplore Plans	4.6/5	B	$45–$60	$70 ($150 for after hours and weekends)
First American Home WarrantyExplore Plans	4.6/5	B	$77–$130	$100–$125
AFC Home WarrantyExplore Plans	4.6/5	B	$44–$82	$75–$125
Liberty Home GuardExplore Plans	4.4/5	NR	$57–$68	$65–$125
Cinch Home ServicesExplore Plans	4.3/5	B+	$51–$68	$100–$150

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Our Final Fidelity Home Warranty Review

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 in its standard plan, such as refrigerators or air conditioning (available as add-ons only), 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 six optional coverage add-ons for your pool and spa, septic pump, well pump, guest unit, and electronics.

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FAQs About Fidelity National 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?

Unlike most home warranty providers, Fidelity National Home Warranty does not offer a form for online quotes. To receive a quote, call Fidelity National Home Warranty at 1-800-862-6837 to speak to a customer service representative. A representative will ask for your address and what type of home you have before providing you with an accurate quote.

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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Our Rating Methodology

We used a detailed rating methodology to objectively assess home warranty companies based on key factors that matter most to homeowners. Our research involved requesting quotes, analyzing sample contracts, speaking with company representatives, and gathering insights from homeowners through surveys and focus groups. We also conducted secret shopping by purchasing plans with 11 leading providers and testing their claims process firsthand. 

We assigned each provider a score based on six important comparison factors. We then converted these scores, which total 100 points, into a 5-star rating.

Here’s a breakdown of our weighted factors:

• Coverage: Our team assessed how extensive each provider’s coverage is, including whether it covers unique home systems and appliances. Companies with the most inclusive policies and higher payout limits received the highest scores, while those with restrictive coverage or depreciation clauses lost points.
• Cost: We reviewed pricing, service call fees, and any additional charges. Companies that keep costs competitive without hidden fees received higher ratings.
• Trustworthiness: We analyzed customer ratings from third-party review sites such as the BBB and Trustpilot to determine reliability. Providers with strong consumer reviews, long workmanship guarantees, and no significant legal issues scored higher.
• Plan transparency: We examined contract terms and company policies for clarity and transparency. Companies that clearly define their coverage limits and exclusions earned more points.
• Customer support: We determined how easy it was to file claims and reach customer service representatives. Companies with multiple communication channels and quick response times received higher scores.
• Flexibility: We evaluated the number of plan options, add-on availability, technician selection policies, and cancellation terms. Providers with greater customization and consumer-friendly policies ranked higher.