- BBB accredited business
- Available in 12 states
- Offers a variety of home warranty plans, including coverage for new construction
A one-year home warranty contract with Fidelity National Home Warranty (FNHW) covers the cost of repairing and replacing major home systems and appliances and saves homeowners from paying hundreds of dollars out-of-pocket. Though the company is only available in 12 states, it provides decent coverage at an affordable price.
In this 2020 House Method review of Fidelity National Home Warranty, we analyze the company’s coverage plans and pricing breakdown, include Fidelity National Home Warranty reviews, and compare FNHW to other home warranty companies in the industry. Keep reading to learn if Fidelity is the best home warranty for you and your home.
|Provides free marketing tools to real estate agents and escrow officers
Partnered with EC Purchasing to offer exclusive discounts to real estate agents
Affordable monthly premiums compared to other home warranty companies
|There’s no sample contract available on their website
Basic items, like your refrigerator and air conditioning, aren’t covered under the most basic plan
Fidelity National Home Warranty offers a Standard Coverage home warranty plan at an average cost of $30 a month, with the option to tack on other items at an additional cost.
Standard Coverage: $30.40 per month ($364.80 for an annual plan). With this home protection plan, customers can receive coverage for top systems and appliances.
Note: Fidelity National Home Warranty charges a $75 service fee for every claim you make. This means that every time a contractor comes to your house to assess your broken item, you’ll have to pay a $75 fee.
To understand which home systems and appliances matter most to consumers, our team at House Method surveyed 1,000 homeowners and asked them which items in their home were most valuable to them.
From our findings, the top three systems people cared about are the electrical, plumbing, and air conditioning systems, and the top three appliances that hold the most importance are the refrigerator, washer/dryer, and oven/stove/range.
Unfortunately, FNHW does not provide a sample contract online, so we don’t have the in-depth coverage details for the top systems and appliances. However, it’s worth noting that the refrigerator, clothes washer and dryer, and air conditioning are “optional items” that aren’t covered under the Standard Coverage plan. Seeing as how these are some of the top items homeowners care about, we view this as a drawback to the company.
Your Fidelity home warranty is effective for one year upon receipt of payment. There is a 30-day waiting period from the time you pay for your warranty until the time coverage begins. Your plan won’t automatically renew, but you have the option to renew near the plan’s expiration date.
Covered systems and appliances must be in good working order at the start of coverage for Fidelity to accept a claim. Unknown pre-existing conditions will be covered if, at the time coverage began, the defect or malfunction would not have been known to the buyer, seller, agent, or home inspector by a visual inspection or by operating the system or appliance.
Additionally, malfunction and improper operation due to rust or corrosion of appliances and systems are not covered for the seller, or for the buyer for the first 30 days after the close of escrow.
Remember: Your contract covers only the parts, systems, and appliances specifically mentioned as covered and excludes all other items. Read through your contract carefully before signing up for a warranty and make sure you understand any coverage exclusions or limits.
Looking for a home warranty in Arizona? We compared the top providers in Arizona below.
Looking for a home warranty in California? We compared the top providers in California below.
Looking for a home warranty in Colorado? We compared the top providers in Colorado below.
Looking for a home warranty in Florida? We compared the top providers in Florida below.
Looking for a home warranty in Georgia? We compared the top providers in Georgia below.
Looking for a home warranty in Idaho? We compared the top providers in Idaho below.
Looking for a home warranty in Kentucky? We compared the top providers in Kentucky below.
Looking for a home warranty in Nevada? We compared the top providers in Nevada below.
Looking for a home warranty in Ohio? We compared the top providers in Ohio below.
Looking for a home warranty in Oregon? We compared the top providers in Oregon below.
Looking for a home warranty in Texas? We compared the top providers in Texas below.
Looking for a home warranty in Washington? We compared the top providers in Washington below.
Fidelity National Home Warranty covers 12 states in the U.S., including Arizona, California, Colorado, Florida, Georgia, Idaho, Kentucky, Nevada, Ohio, Oregon, Texas, and Washington. If you don’t live in one of these states, check out our State Home Warranty Guides and see the best home warranty companies in your state.
In our opinion, Fidelity is an average home warranty company. It offers only one standard home warranty plan, and even though the plan covers important home items, it leaves out basic systems and appliances like a washer, dryer, and air conditioning. One benefit of this coverage, however, is that the cost is pretty low ($30) compared to other home warranty companies. The service fee, which is $75, is also in line with the industry average.
It’s worth noting that FNHW has an A+ rating from the Better Business Bureau (BBB), which is no small feat. It also has a BBB accreditation. However, there’s no sample contract to view online and the only way to get a quote is to call the customer service team. The company also doesn’t guarantee an official response time and they’re not available 24/7 like American Home Shield or Choice Home Warranty.
Regarding coverage, Fidelity is more of a regional home warranty company than a national one, seeing as how it only covers 12 out of 50 states.
Overall, if you want to pay a lower monthly premium and don’t need coverage for a lot of items, FNHW may be a great choice for you.
2.5 / 5
Breadth of coverage
2.6 / 5
1.8 / 5
4.5 / 5
3.8 / 5
1.3 / 5
2.0 / 5
As a consumer, you probably don’t have the time to sit around and sift through the hundreds of reviews left by Fidelity National Home Warranty customers. That’s where we come in. At House Method, we go through user complaints, reviews, and ratings of each home warranty company and compile that information in a chart that’s easy for you to read.
Below, we’ve included Fidelity ratings compared to the industry average.
|Reviewer||Fidelity National Home Warranty Ratings||Industry Average Ratings|
|Average # of Reviews||Average Score||Average # of Reviews||Average Score|
The BBB gives Fidelity National Home Warranty an A+ rating. This is one of the best BBB ratings we’ve seen across all of the home warranty companies we’ve reviewed and is better than those like Landmark Home Warranty and 2-10 Home Buyers Warranty.
Though Fidelity’s BBB ratings are great, some reviewers say they would give them 0 stars and aren’t too fond of how they’ve handled claims. To give you a better idea of what current FNHW customers are saying, take a look at the reviews below:
Kim M. on August 31, 2019, said:
I did not have any issues with this company until I sold the home 4 months into my third year of paying $550. I contacted them to cancel and request a refund. I basically was told that I had to reimburse them for the services they had paid for in those 4 months. So, I paid the annual $550, plus $75 x 2 for service call fees…and my refund for 218 “unused days” was $68. I’m not sure how they can get away with keeping the fee for the days that were “used” and make you reimburse them for services during the months you were covered.
James R. on August 8, 2019, said:
I have been without A/C for 2 days in Texas, in August. Fidelity cannot seem to live up to their end of the bargain to get someone out and fix it. I have been hung up on, I have been placed on holds where the agent never comes back, and I have been flat out lied to. I want what I paid for. You do not give money to a company for them to do nothing.
Chris W. on July 15, 2019, said:
I have been with Fidelity National Home Warranty for 3 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. I would highly recommend Fidelity National Home Warranty to anyone in need of this product. I would also say, that if you own a home, you need a home warranty; and I feel that Fidelity will provide you with top notch service.
Chad B. on May 19, 2017, said:
From personal experience on my own homes and as a real estate agent, this is the best home warranty in the warranty industry! — Brandt Real Estate Group
Yes, Fidelity provides optional coverage for items like pool and spa equipment, air conditioning, and roof leak repair. You can purchase this extra coverage when you sign up for a home warranty or up to 30 days after purchasing your plan.
If a covered system or appliance breaks in your home, you can sign in to your account online or call FNHW to request service. Fidelity will send a repair person to assess the issue and fix the problem. During the contractor’s visit, you’ll pay them a $75 service fee.
To renew your home warranty, log in to your account and renew your plan online or call 1-800-862-6837.
Though a home warranty and homeowners insurance are both valuable, they serve different purposes. Homeowners insurance protects your home from damage in the event of a fire, natural disaster, or theft. A home warranty covers the cost of repairing and replacing major systems and appliances in your home. We think both are great to have to ensure complete home protection.
No, a Fidelity home warranty will cover a home regardless of its age.
If you want to cancel your plan with Fidelity National Home Warranty, you’ll have to pay a $50 fee, which is in line with the industry average.
Fidelity National Home Warranty previously began as Alliance Home Warranty in 1998, but was acquired by Fidelity National Financial in 2015.
House Method gives Fidelity National Home Warranty 2.98 out of 5 stars. The company includes rare protection for new construction and provides reimbursements for improper installation, repairs, and modifications of systems and appliances. Even though the company covers only 12 states, it seems to provide necessary coverage at an affordable price.
Fidelity National Home Warranty may be a good choice for you if…
Fidelity National Home Warranty may not be a good choice for you if…
If you’re not sure Fidelity is right for you, compare three of our top home warranty providers below:
2 plans + optional add-ons
$36–$44 per month
Best customizable plans
4 plans + optional add-ons and customizable coverage
$50–$55 per month
At House Method, transparency and trust are our most important values for the reader. That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology. Our team spent hours on the phone speaking to representatives from each home warranty company to get information right from the source.
Our rating system involves a weighted, 100-point scale that scores home warranty companies on plans offered, coverage, state availability, cost, trustworthiness, customer service, and unique benefits.
For more details, check out our affiliate disclosure and rating methodology.
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