American Home Shield vs. Fidelity National Home Warranty

Comparing home warranty companies? Match with a partner.

    Author pictureAuthor picture
    Author picture
    Written by
    Author picture
    Edited by
    American Home Shield

    What is the difference between American Home Shield and Fidelity National Home Warranty?

    It's important to look at a few home warranty companies before signing a contract. We looked at American Home Shield and Fidelity National Home Warranty side by side to compare premium costs, service call fees, items covered, optional coverage, perks and customer reviews so you can make an informed decision when selecting a home warranty company.


    american home shield logofidelity national home warranty logo
    Monthly premium cost$29.99 to $69.99$29 to $37
    Average cost for combo plan$60$33
    Annual premium cost$359.88 to $839.88$350 to $445
    Service call fee$75, $100 or $125$75
    Discounts availableNot specifiedNot specified
    american home shield logo$29.99 to $69.99$60$359.88 to $839.88$75, $100 or $125Not specified
    fidelity national home warranty logo$29 to $37$33$350 to $445$75Not specified


    american home shield logofidelity national home warranty logo
    Plans availableShieldSilver, ShieldGold, ShieldPlatinumStandard
    Covered systems910
    Covered appliances95
    Combo plan covered items1821
    Service recall period30 daysNot listed
    Availability47 states15 states
    american home shield logoShieldSilver, ShieldGold, ShieldPlatinum991830 days47 states
    fidelity national home warranty logoStandard10521Not listed15 states

    Appliances coverage

    american home shield logofidelity national home warranty logo
    Built-in food centers
    Built-in microwaves
    Clothes dryersAdd-on
    Clothes washersAdd-on
    Ice maker
    Instant hot/cold water dispensers
    Ranges, ovens and cooktops
    Trash compactors
    Water sensors
    Whirlpool bathtubWhirlpool motor pump covered
    american home shield logo
    fidelity national home warranty logoAdd-onAdd-onAdd-onWhirlpool motor pump covered

    Systems coverage

    american home shield logofidelity national home warranty logo
    Air conditioningAdd-on
    Ceiling fans
    Central vacuums
    Garage door openers
    Garbage disposals
    Smoke detectors
    Water heaters
    american home shield logo
    fidelity national home warranty logoAdd-on

    Other coverage

    american home shield logofidelity national home warranty logo
    Guest unitAdd-on
    Roof leak repairsAdd-on
    Second refrigerator
    Septic pumpAdd-onSeptic leak coverage; add-on available
    Stand-alone freezer
    Well pumpAdd-on
    american home shield logoAdd-onAdd-onAdd-onAdd-onAdd-on
    fidelity national home warranty logoAdd-onAdd-onSeptic leak coverage; add-on availableAdd-on

    Reputation on ConsumerAffairs

    american home shield logofidelity national home warranty logo
    Overall star rating4.41.1
    Verified customer reviewsRead reviewsRead reviews
    american home shield logo4.4Read reviews
    fidelity national home warranty logo1.1Read reviews

    All prices are based on a quote for a house of less than 5,000 square feet in Austin, Texas. All information is accurate as of the time of publishing.

    Take a Home Warranty Quiz. Get matched with an Authorized Partner.

      American Home Shield

      American Home Shield offers three plan levels and add-on coverage options for additional items. With American Home Shield’s 30-day workmanship guarantee, the company will send a contractor back out for free if you have an issue with a completed repair within 30 days. Shield Assurances are included with all plans and offer coverage for items of all ages.

      American Home Shield plans

      • ShieldSilver: This coverage tier protects 14 major home systems, including heating, cooling, electrical and plumbing systems. The plan starts at $29.99 a month.
      • ShieldGold: The ShieldGold plan covers everything in ShieldSilver plus nine appliances in the kitchen and laundry room. The price starts at $39.99 monthly.
      • ShieldPlatinum: This plan includes everything in ShieldSilver and ShieldGold and adds coverage for roof leaks, HVAC tuneups, unlimited air conditioning refrigerant and code violation and permit coverage. It starts at $44.99 monthly.
      • Add-on coverage: You can select optional coverage for electronics, pools, spas, roof leak repairs, guest units, septic pumps and well pumps.

      What American Home Shield customers say

      Most reviewers give American Home Shield high marks on Customers liked the timely service and competent repair professionals. Some had issues with delayed repairs, though, especially on air conditioning claims.

      When the AC turned off completely, we called the member number and the contractor was out the next day. It turned out that the drain had plugged up. They did it all in one time. ... American Home Shield gives us service right away. They have come through every time we needed them.”

      Antonio of San Antonio, TX

      Fidelity National Home Warranty

      Fidelity National Home Warranty provides home service contracts for homeowners, homebuyers/sellers and real estate professionals. You can customize a Fidelity National plan to fit your needs. The company’s service work is guaranteed for 30 days without an additional service call fee, and parts are guaranteed for 90 days.

      The company offers pest control service in some areas, and you can monitor appointments and your repair status through its automated tracking system. Fidelity National covers all appliance and system brands.

      Fidelity National Home Warranty plans

      • The Home Buyer Standard Plan covers plumbing systems, plumbing stoppages, toilets, sump pump, bathroom whirlpool motor pump, recirculating hot water pump, water heater, heating, ductwork, electrical system, telephone system, central vacuum system, garage door opener, ceiling fans, attic and exhaust fans, smoke detectors, doorbells, dishwasher, range, oven, cooktops, built-in microwave, instant hot water dispenser and trash compactor. Pricing depends on the options you choose and your ZIP code.
      • The Home Buyer Comprehensive Plus Plan adds coverage for mismatched systems, improper installations or repairs, code violations, removal of defective equipment, refrigerant recapture, garage door springs, hinges, cables, remotes, keypads and additional items on certain appliances.
      • The Home Buyer Enhanced Plan adds coverage for your clothes washer, clothes dryer and refrigerator.
      • The Home Buyer Enhanced Plus adds coverage for a water heater expansion tank, radiant and steam heat, code violations and stoppages caused by roots.
      • Optional coverage is available for a kitchen refrigerator, washer/dryer, air conditioning, pool and spa equipment, limited septic leak, roof leak repair, smart-home devices, water softener, ornamental fountain and HVAC tuneup. Buyers can also choose coverage for emergency lodging or a portable air conditioning unit in case of malfunction. Options range in price from $25 to $180.

      What Fidelity National Home Warranty customers say

      Fidelity Home Warranty receives mostly negative reviews on ConsumerAffairs. Customers report long hold times, being disconnected by customer service reps and claims being regularly rejected or unresolved. Reviewers also mention confusing information, an unhelpful website and rude customer service. A few customers have reported good experiences with Fidelity National, though.

      They were quick to respond when my water heater went out and got a plumber out to my home [to] replace the heater pretty quickly. They also covered most of the cost of replacement. I'd recommend them to friends and family if asked.”

      Kenneth of Wylie, TX

      Bottom line: American Home Shield or Fidelity National Home Warranty?

      Overall, American Home Shield has better reviews and ratings on our site. It offers coverage for all kinds of systems and appliances, regardless of age or condition. Fidelity National Home Warranty might be the right fit for you if you don’t want to break the bank for a home warranty, though — and it offers service guarantees of 30 days for service and 90 days for parts.

      • American Home Shield is best for customers who want protection for home electronics and smart-home devices. American Home Shield offers add-on coverage for these items.
      • Fidelity National Home Warranty is best for homebuyers on a budget. The company offers comprehensive homebuyer coverage for a low price.
      Did you find this article helpful? |
      Share this article