Fidelity National Home Warranty Reviews

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About Fidelity National Home Warranty

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Fidelity National Home Warranty provides warranties that cover the major systems and appliances in a home. It offers annual plans for both single family and multifamily homes. It will repair or replace home items for a $95 trade call fee. Fidelity National Home Warranty will evaluate if the item needs to be repaired or replaced and service work is guaranteed for 30 days.

Visit www.homewarranty.com
Pros
  • Fast claim response times
  • Service work guaranteed for 30 days
  • Available for multifamily homes
Cons
  • Renews automatically at potentially higher rates
  • Not available nationwide

How Fidelity National Home Warranty works

Fidelity National Home Warranty covers most major systems in your home. If a covered item needs repair, you can file a claim, and the company will send out a service provider.

The company will typically repair the item rather than replace it. If you prefer a replacement, it may reimburse you for the repair cost after you purchase a new item. For example, if a repair on your oven would cost $300, you can replace it and submit for a $300 reimbursement. The company may also choose to pay cash in lieu of replacement.

You can purchase an initial contract for one or two years, and it will automatically renew annually thereafter.

Fidelity National Home Warranty service area

Fidelity National Home Warranty is available in 13 states, including:

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

Fidelity National Home Warranty coverage and plans

Fidelity National Home Warranty offers four plan levels: Standard, Comprehensive Plus, Enhanced and Enhanced Plus.

All plans cover the basic household systems such as heating, plumbing and electrical. A $95 trade call fee is charged for each service request.

On the Standard and Comprehensive Plus plans, you can warranty a single-family home, condo, townhome, mobile home, duplex, triplex, fourplex and new construction. With the Enhanced Plus plan, you can warranty a single-family home, condo, townhome and mobile homes.

Fidelity National Home Warranty will replace the item up to the coverage limits if repair isn’t possible.

Fidelity National Home Warranty cost

The pricing listed below is for a one-year plan for single-family homes. Warranties are billed annually, and you can purchase coverage for either one or two years.

Note: Costs are accurate at the time of publication and may vary by location.

Fidelity National Home Warranty add-on coverage

Most items covered in the Enhanced plans that aren’t covered in the Standard and Comprehensive Plus plans can be added on individually.

For example, coverage for washer, dryer and refrigerator can be added for $130 per year. Roof leak repair isn’t covered under any plan, but it can be added for $100 or $160, depending on the number of units.

Other popular add-ons available are:

  • Water softener: $75
  • Preseason HVAC tune-up: $25
  • Pool and spa equipment: $230
  • Septic tank system: $75
  • Well pump: $100

Fidelity National Home Warranty exclusions and limitations

There are coverage limits per term for most of the covered items. Your exact limits will vary by location. Some coverage limits can be increased by purchasing additional coverage.

Here are the coverage limits for the major components on the Standard plan for a home in Texas:

  • Plumbing: $1,000
  • Water heater: $1,500
  • Ductwork: $1,000
  • Heating and air conditioning: $1,500
  • Kitchen appliances: $3,500 per appliance

Note that washers and dryers aren’t covered by the Standard or Comprehensive Plus plan unless purchased as an add-on. Ceiling fans are also not covered, and there’s no option to add them.

Fidelity National Home Warranty recently added subterranean termite treatment coverage as an optional add-on in some areas. However, there is a $200 trade call fee for this service, instead of the usual $95 fee.

Fidelity National Home Warranty claims

To file a claim, call 1-800-308-1420 or visit the Fidelity National Home Warranty website. Within three business hours, the company will contact a service provider. The service provider then contacts you directly to schedule an appointment.

If you request emergency service for a nonemergency repair, you may incur additional fees. Also, if you contact a service provider directly, without making a claim through Fidelity National Home Warranty, you won’t be reimbursed.

Service work is guaranteed for 30 days. Fidelity National Home Warranty may also pay cash rather than replace the item outright.

FAQ

Does Fidelity National Home Warranty have a service fee?

Yes, Fidelity National Home Warranty charges a $95 trade call fee.

Can you cancel Fidelity National Home Warranty?

Yes, you can cancel your Fidelity National Home Warranty plan. However, there may be a $50 cancellation fee.

Does Fidelity cover air conditioning?

Yes, Fidelity National Home Warranty covers the air conditioning system in all plans.

What states does Fidelity National Home Warranty serve?

Fidelity National Home Warranty serves Alabama, Arizona, California, Colorado, Florida, Georgia, Idaho, Nevada, New Mexico, Oregon, Texas, Utah and Washington.

Does Fidelity National Home Warranty offer any guarantees?

Yes, Fidelity National Home Warranty guarantees service work for 30 days after a repair.

How do I file a claim with Fidelity National Home Warranty?

To file a claim with Fidelity National Home Warranty, you can visit the website or call 1-800-308-1420.

Still have questions?

Is Fidelity National Home Warranty worth it?

Fidelity National Home Warranty is worth it if you want predictable repair costs or have an older home that may need repairs soon. It can also be a good fit if you’re a landlord with a multifamily property, since it simplifies handling repair requests while keeping expenses more predictable.

However, if you have a newer home or a substantial emergency fund that can cover unexpected repairs, you may find a home warranty of any kind unnecessary. Fidelity may also not be worth it if you want to choose your own service providers.

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Fidelity National Home Warranty Reviews

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    Page 1 Reviews 0 - 10
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    Customer ServiceCoveragePunctuality & SpeedStaffWait Time

    Reviewed Aug. 8, 2026

    I purchased a home 6 months ago, the home warranty was purchased by the realtor included as a gift for us. I called them to come fix a leaking water heater and their response was, "Okay we have wait until we can get a bid from our companies (wait time unknown)," we are unable to wait because we needed to shower every day so we can't just turn off the water to the water heater without turning off our water. Absolutely useless, if we didn't get this warranty gifted to us, we will never have purchased this warranty from them, and I strongly recommend anytime to not as well, because they are here to take your money, but when it comes to helping you...they will do all they can to not be helpful and leave you stranded.

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    Customer ServiceCoverageTechPricePunctuality & SpeedRatesCoverage Limits

    Reviewed Aug. 5, 2026

    FAIL!!!! This company used to be extremely more reliable across the spectrum of coverages, customer service and contractors. Those days are long gone!! The “service fee” does not go to the overall cost; you find your own vendor due to the lack of “contracted providers,” because the contractors don’t like their late reimbursements, and you have to pay the vendor at the time of service, not the case in the past, as the company would handle all of that after determining the “coverage.” A recent kitchen sink stop-up repair cost $525, and the company allowed coverage of $181. Not even close!!! Rates from the ‘90’s!! Customer service was horrid, inefficient, tedious, and ill-trained. I spent more time on solving the issue than they did. If there was a negative star rating, it would fill a galaxy. FAIL!!!!

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      Customer ServiceTechOnline & AppMaintenance

      Reviewed Aug. 1, 2026

      Poor service. My A/C stopped working. I started a work order and received confirmation that my work order was received and then I didn’t hear anything back. I received a text message that they weren’t able to reach me. Impossible and not true - I was sitting by my phone and there is no call history on my phone, indicating that no one did call me. I called the number (818 435-4442- Platinum Repair, try and see) several times and each time they put me on hold for 20 minutes and then disconnected the call at the end, before I was able to speak with anyone. Bottom line, I didn’t hear from Fidelity Home Warranty or their vendor. What is a home warranty good for if you don’t get service when you need it.

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      Customer ServiceContract & TermsCoverageTechSales & MarketingPriceMaintenanceStaff

      Reviewed July 28, 2026

      Horrible company to deal with. Representative assured me that the home warranty would cover my garage door opener broken belt. Paid the $100 trip fee. Technician assessed the situation upon arrival and called Fidelity National Home Warranty. They denied the work order. Cost me my time and money. They're a scam so be very careful.

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      Customer ServiceCoverageRefunds & PayoutsStaffBillingHonesty & Transparency

      Reviewed July 23, 2026

      Orange County and San Diego County, California - consumers and realtors beware of the manipulative and deceitful practices of this company, and in particular, the Assistant Vice Presidents Sharon Whaley and Debi Levenson from OC and SD, respectively. Sharon was emailing a colleague about a claim on my home warranty and accidentally sent it to the wrong person, and it ended up in my possession. In this email she openly discloses that her and Debi discussed telling lies to coerce us into renewing our policy.

      They claimed there was a "rule" from the Department of Insurance that they have no choice but to follow, which prohibits them from making any kind of payment to a client unless they have a current and active policy - even if the claim was from a covered period of time. THIS IS A LIE. They're own legal team and claims department confirmed this. After reporting them for their unethical behavior, they changed their mind and issued us a full refund - no renewal required. If they've lied to you or treated you unfairly, know that you can file a complaint with the Department of Insurance to hold them accountable.

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      Customer ServiceCoverageTechPunctuality & SpeedStaffRatesNetwork Quality

      Reviewed July 21, 2026

      We have had a homeowner warranty policy with Fidelity for 20 years. When we got it, it saved us a little bit of money. Their service was OK, but not that good. Some of their contractors were good and others didn’t know what they were doing. It saved us a little money so we continued until this year. In the past few years, their service has become horrible. For a clothes washer, a hot water heater, and recently our refrigerator. We had to wait about three weeks to have something done. It takes them a week to just approve a part. Their customer service people are nice, but they have no interest in helping their customers. The last few years were very frustrating. We did not renew our policy this year.

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      CoverageTechRefunds & Payouts

      Reviewed July 10, 2026

      They are the worst home warranty company ever. They don't cover what the contract says. They said, "Sorry we changed it." But of course they don't tell you till you make a claim. They just don't want to cover it. They breached the contract. I will be going to BBB.

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      Claims HandlingRefunds & Payouts

      Reviewed July 1, 2026

      These home warranties don’t pay out and when you file a claim they make it impossible to get anything repaired and try to blame it on a pre existing condition! And it wasn’t even on the inspection report. Such a waste of money!

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      Customer ServiceTechRefunds & PayoutsMaintenanceStaffTransparencyCommunicationResolutionWait Time

      Reviewed June 26, 2026

      I would give Fidelity Home Warranty zero stars if I could. My HVAC system has been broken for over a week during the summer. I submitted my claim on Friday of the previous week. The technician inspected the system and submitted the repair estimate to Fidelity last Friday. Since then, I’ve been told the estimate is “under review” by someone named William on the Expert Team. I have called Fidelity every single day, and every day I receive the exact same response: “It’s still under review.” No one can provide an update, a timeline, or an explanation. Even worse, there is no way to contact William or anyone on the Expert Team directly. Customer service simply repeats the same script over and over without offering any real assistance or escalation.

      What is the point of paying for a home warranty if, when you actually need it, your claim just sits in limbo while your home has no air conditioning? A home warranty should provide peace of mind, not endless frustration and uncertainty. If you’re considering Fidelity Home Warranty, I strongly recommend looking elsewhere. Based on my experience, I cannot recommend this company. In fact, you may be better off setting aside $200 each month in your own emergency repair fund. Over time, you’ll have money available for repairs without having to deal with long delays, poor communication, and a company that seems unwilling to make timely decisions when it matters most.

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      Customer ServiceClaims HandlingCoverageTechPunctuality & SpeedRefunds & PayoutsMaintenanceStaffTransparencyTimeliness

      Reviewed June 19, 2026

      This is my second year with this company and I will most likely not renew as my current experience has been extremely poor. Last year the experience was good but now, it has become very frustrating and disappointing! Our washing machine broke down 1.5 weeks ago on June 10 and after filing a claim the same day, the appliance tech came out on June 11, and assessed the problem in literally 10 min; I needed a new transmission. His report was sent in that day, but, when I called Fidelity 2 days later for an update, as I had not heard back, the agent stated they received no report!

      They called the appliance company, and Fidelity, lo and behold magically found the report and told me the primary agent will evaluate within 24 hours; I waited until the next day to await a decision. When I did not hear back, I called again to be told that an " expert" panel will decide whether to pay for a new transmission or write a check to replace the old one but it would take 2-3 business days to make that decision! Well it's business day # 3 and after another phone call; no decision has been made!

      The appliance company has been on the phone with Fidelity daily without any luck or reservation. They even expedited the transmission order to help me out as the washer will require hauling out to the repair shop but fidelity has not not made any decision despite the appliance company's proactivity. Fidelity is not for the people, they are a typical insurance company out for themselves! When I saw the 331 out of 346 reviews are 1 star, the red flag has been flown.

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        Fidelity National Home Warranty Company Information

        Company Name:
        Fidelity National Home Warranty
        Website:
        www.homewarranty.com