American Home Shield vs. Fidelity National Home Warranty
Compare coverage, cost and reviews
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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 vs. Fidelity National Home Warranty cost
While American Home Shield's monthly premiums are lower for basic coverage, Fidelity National Home Warranty is the more economical choice for comprehensive, high-tier plans. Another key cost to consider is the service fee, which is the amount you pay for a technician's visit; Fidelity National Home Warranty has a lower entry point for this one-time cost.
American Home Shield plans and pricing
American Home Shield lets you choose a service fee of $100 or $125, which is what you pay when you file a claim. Choosing a higher service fee reduces the monthly cost of your plan.
| Service fee | ShieldSilver | ShieldGold | SheldPlatinum |
|---|---|---|---|
| $100 | $39.99 | $59.99 | $89.99 |
| $125 | $29.99 | $49.99 | $79.99 |
Fidelity National Home Warranty plans and pricing
Fidelity National Home Warranty only offers one set service fee of $85. Additionally, you can only pay for a plan annually; there are no monthly payment options.
| Service fee | Standard | Comprehensive | Enhanced | Enhanced Plus |
|---|---|---|---|---|
| $85 | $510 | $620 | $715 | $855 |
*Cost information is accurate as of the time of publishing. Price quotes used a Texas ZIP code; pricing may vary in other locations.
American Home Shield vs. Fidelity National Home Warranty coverage
The main coverage difference between these companies is how they structure their basic plans. American Home Shield's plans start by focusing only on home systems. Fidelity National Home Warranty, in contrast, provides comprehensive combo plans from the outset. As you look at their more expensive plans, both companies offer similar, robust coverage.
 |  | |
| Coverage |  |  |
|---|---|---|
| Plan | ||
| Air conditioner | | |
| Heating | | |
| Plumbing | | |
| Electrical | | |
| Ductwork | | |
| Sump pump | | |
| Water heater | | |
| Interior plumbing lines | | |
| Interior electrical lines | | |
| Exterior plumbing lines | | |
| Exterior water lines | | |
| Refrigerator | | |
| Dishwasher | | |
| Oven | | |
| Range | | |
| Cooktop | | |
| Microwave | | |
| Food center | | |
| Garbage disposal | | |
| Trash compactor | | |
| Ice maker | | |
| Hot/cold water dispenser | | |
| Range exhaust hood | | |
| Kitchen exhaust fan | | |
| Clothes washer | | |
| Clothes dryer | | |
| Toilets | | |
| Bathtub/shower | | |
| Faucets | | |
| Ceiling fans | | |
| Attic fans | | |
| Central vacuum | | |
| Doorbells | | |
| Garage door openers | | |
| Roof leak repairs | | |
| Main breaker | | |
| Plumbing stoppages | | |
| Home electronics | | |
| Smoke detectors | | |
| Jetted tub components | | |
American Home Shield vs. Fidelity National Home Warranty add-ons
While both companies offer common add-ons like pool and spa coverage their specialty options differ. Fidelity National Home Warranty has a more extensive list with unique coverage for items like guest units and pool heaters. American Home Shield's selection is smaller focusing on standard upgrades.
American Home Shield add-ons
American Home Shield offers six add-ons. See pricing for the most popular additional coverage items below.
| Optional coverage | Monthly cost |
|---|---|
| Septic pump | $4.99 |
| Roof leak repair | $9.99 |
| Well pump | $9.99 |
| Guest unit | $12.99 |
| Electronics protection | $14 |
| Pool and spa | $20.99 |
Fidelity National Home Warranty add-ons
In addition to the coverage from its base plans, you can choose up to 24 add-on options when you sign up with Fidelity National Home Warranty. Monthly pricing for some of the most common items is listed below:
| Optional coverage | Monthly cost |
|---|---|
| Second refrigerator | $5 |
| Septic tank pumping | $6.25 |
| Roof leak repair | $8.33 |
| Well pump | $8.33 |
| Electronics protection | $18 |
| Pool and spa | $18.75 |
What American Home Shield customers say
Most reviewers give American Home Shield high marks on ConsumerAffairs.com. 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. ... American Home Shield gives us service right away. They have come through every time we needed them.”
– Antonio of San Antonio, TX
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.
