Fidelity National Home Warranty Reviews

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About Fidelity National Home Warranty

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Fidelity National Home Warranty offers a base home warranty plan with optional add-ons. Plan costs range from $350 to $445 annually. The company places no age limit on the appliances and systems it covers. It protects homeowners in the following states: Arizona, California, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Kentucky, Missouri, Nevada, Oregon, Texas, Utah and Washington.

Pros
  • Low costs
  • Online resources
  • No age limits on covered items
Cons
  • Reports of poor customer service
  • Not available in most states

What is Fidelity National Home Warranty?

Fidelity National Home Warranty offers home warranties to residents in 15 states. Its base plan covers an array of home appliances and systems. Most homeowners should consider choosing additional coverage with Fidelity National Home Warranty's add-on options since the base plan doesn't cover some common household appliances and systems.

Fidelity National Home Warranty plans

Fidelity National Home Warranty offers a standard plan and lets customers choose any add-ons they want. However, its standard plan doesn't provide coverage for systems and appliances that are included in many of its competitors' home warranty plans.

  • Standard plan: Covers up to 23 household systems and appliances
  • Optional add-ons: Includes air conditioning system, refrigerators and pool equipment

Fidelity Home Warranty coverage

Fidelity National Home Warranty only offers one standard plan, but customers are able to purchase additional coverage for specific appliances and systems.

Standard plan
Fidelity National Home Warranty only offers coverage in 15 states, so prospective customers should make sure the company operates in their area. Fidelity National Home Warranty’s standard plan covers the following appliances and systems:
  • Oven
  • Smoke detectors
  • Attic and exhaust fans
  • Range
  • Recirculating hot water pump
  • Garage door opener
  • Plumbing stoppages
  • Telephone system
  • Trash compactor
  • Dishwasher
  • Heating and ductwork
  • Water heater
  • Plumbing system
  • Bathroom whirlpool motor pump
  • Sump pump (if permanently installed)
  • Instant hot water dispenser
  • Cooktops
  • Electrical system
  • Ceiling fans
  • Doorbells
  • Toilets
  • Built-in microwave
  • Central vacuum system
Optional coverage
Fidelity National Home Warranty also offers optional coverage for the following appliances and systems:
  • Pool and spa equipment
  • Washer and dryer
  • Air conditioning
  • Kitchen refrigerator
  • Limited septic leak
  • Roof leak repair
Noncovered items
Fidelity National Home Warranty doesn’t cover the following:
  • Abused systems or appliances
  • Systems and appliances that aren’t regularly maintained
  • Equipment designed for commercial use
  • Secondary appliances or systems that fail because of a covered appliance or system
  • Damage from natural disasters

Fidelity Home Warranty pricing

The minimum annual price for a home warranty from Fidelity National Home Warranty is $350, but we've seen costs up to $445. These prices are low, but some items considered add-ons by the company, like air conditioning and refrigerators — included standard by most other companies — add to cost. The average service fee with Fidelity National Home Warranty is $75.

We don't love the quote process from Fidelity National Home Warranty. When we clicked the link to get a quote on its website, we received a message telling us to call the company instead. Most home warranty company websites have online functionality allowing customers to obtain a quote and buy the home warranty.

Fidelity National Home Warranty FAQ

Will Fidelity National Home Warranty cover older homes?

Yes. Fidelity National Home Warranty doesn’t exclude coverage based on the age of your home as long as systems and appliances are working properly at the start of coverage.

Does Fidelity National Home Warranty cover mold?

No, Fidelity National Home Warranty does not pay for mold removal.

How long does my coverage last from Fidelity National Home Warranty?

Fidelity National Home Warranty's plans last one year.

Does my plan with Fidelity National Home Warranty auto-renew?

No. To renew a plan, customers must log on to their account online or call Fidelity National Home Warranty directly.

Is Fidelity National Home Warranty worth it?

For most homeowners, Fidelity National Home Warranty probably isn't worth it. The company's low prices might appeal to those on a budget, but the lower prices also come with less coverage than Fidelity National Home Warranty's competitors. The company has a clunky online experience and negative consumer reviews of its firm cancellation policy and customer service. For these reasons, we don't feel comfortable recommending Fidelity National Home Warranty for most homeowners. If you are still interested in a home warranty, continue researching home warranty companies and look for one with a more reliable track record.

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Fidelity National Home Warranty Reviews

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    Page 1 Reviews 0 - 10
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    Customer ServiceCoverageTechRefunds & PayoutsMaintenanceBillingNetwork QualityCoverage Limits

    Reviewed Jan. 20, 2026

    I have been a Fidelity National Home Warranty customer for nearly 20 years. My recent claim has been mishandled from start to finish. Fidelity classified this claim in writing as a return visit under the 30 day warranty provision, meaning no second service fee should apply. Despite this, I was billed again and my coverage was impacted. Their contractor misdiagnosed the HVAC issue twice, failed to repair a non functioning furnace, and did not communicate with me. I ultimately paid out of pocket for an emergency controller replacement, which fixed the problem immediately. This was a covered repair that Fidelity’s vendor was unable to diagnose or resolve.

    On December 19 I was told reimbursement would be submitted for manager approval. On January 8 I was told the claim was under manager review. As of January 20, there is still no decision, no timeline, and no meaningful response. I pay Fidelity for a service. This repair was covered. Ignoring a customer who is seeking resolution for a documented covered claim is unacceptable and disrespectful. Fidelity should reimburse the covered repair and reverse the improper second service fee.

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    Customer ServiceCoverageTech

    Reviewed Jan. 9, 2026

    DO NOT GET FIDELITY HOME WARRANTY!!!. There have been significant and concerning changes to this company’s contracts and customer service over a relatively short period of time. We have used this company in our homes for many years and have historically been satisfied with their services. However, the most recent renewal notice states that the company may replace covered items with significantly lower-quality alternatives. In addition, they are now denying services that were previously included under a “lifetime warranty.” A clear example is Delta Faucets, the company now refuses to service or replace them. These items come with a warranty on the product but not the service of replacements. These changes represent a substantial departure from the terms and expectations under which we originally contracted. We have since left Fidelity and have home warranty with a company that still aligns with proper home warranty.

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      Customer Service

      Reviewed Jan. 6, 2026

      Terrible!! I just purchased a home with this warranty and am sooo disappointed. They will do anything to deny a claim. The reviewers work together to record calls and twist/dispute every word you say.

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      TechPrice

      Reviewed Dec. 17, 2025

      I’ve been a customer for 8 years. Recently had the garbage disposal replaced and it was installed incorrectly, leading to a water leak under the sink. Because it had 2 days over the “warranty period”, they wouldn’t do anything to remedy the issue and wanted me to spend $100 to submit a new work order! No, thanks. Now canceling my contract and they’re charging a $50 “admin fee”. What a ridiculous company…

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      Customer ServiceCoveragePunctuality & SpeedHonesty & Transparency

      Reviewed Dec. 8, 2025

      I purchased my home and, on the day of closing, both garage door openers were functioning properly. Three days later, they continued to operate without issue. However, the following day, one of the openers ceased to function. When I contacted the company to request a service call, my claim was rejected based on the way I allegedly answered their questions. I was told that I had stated the opener had never worked and that I had prior knowledge of its failure, which is entirely inaccurate and illogical. Such a claim makes no sense, and it is unreasonable to assume that any customer would make such a statement.

      From the outset, my interaction with this company has felt punitive, as though the intent was to identify any possible reason to deny service rather than to resolve the issue. My request fell well within the parameters of coverage, yet it was dismissed without remedy or resolution. I was promised a call back from a manager, which has not occurred, and the responses I have received have been generic, dismissive, and devoid of accountability.

      This experience has led me to conclude that the company prioritizes denial of claims over customer satisfaction. I no longer expect coverage for legitimate issues in the future and will adjust my expectations accordingly. I also intend to share my experience widely. A willingness to assist with this minor repair would have demonstrated goodwill and strengthened the company’s reputation. Instead, the company has revealed a misleading and dishonest agenda, focused solely on profit at the expense of its customers. Such practices are unacceptable, and I strongly condemn this approach.

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      Customer ServiceCoverageTechPricePunctuality & SpeedStaff

      Reviewed Nov. 27, 2025

      If I could give no stars, I would. I have had a multi-month ordeal (July 22nd to November 11th) that demonstrates a sustained pattern of poor customer service and a failure by Fidelity National Home Warranty. As the homeowner I was forced to act as a full-time claim manager, spending countless hours navigating an unhelpful, hostile, and bureaucratic process. From the initial unwarranted denial and aggressive agent behavior to the assignment of incompetent and non-compliant vendors, the company failed at every step to provide the covered service. An overall experience that strongly suggests FNHW created a process specifically designed to exhaust and dissuade homeowners from successfully completing a valid warranty claim, effectively avoiding the cost of repairing the A/C unit that was urgently needed in the extreme Arizona heat.

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      Customer ServiceCoverageTechMaintenanceStaffNetwork Quality

      Reviewed Nov. 13, 2025

      I called in with a dishwasher leak and a exhaust fan over my stove, not working. They came out, said they would order the parts to be out in a week to fix them, they came out, fixed the dishwasher and told me they don't know anybody that will work on my unit, my fan. So I finally had to pay someone to come out and tell them that the fan was bad, which they already had someone come out and realize that, and they told me to find my own contractor to work on it, I'm not doing their job, I paid you to do that. So they sent 2 guys out here with a new fan to replace it. Rip, my old fan out of the out of the ceiling. Cut the wire, the power wire, said the new fan won't fit, walked out with my old fans. Left the new fan on my kitchen floor in a hole in my ceiling with a wire hanging out of it live. I don't know what kind of ** these people are, but if this doesn't get resolved within a day or 2. There's litigation on the way.

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      CoverageTechPunctuality & SpeedRefunds & PayoutsBilling

      Reviewed Nov. 7, 2025

      Have had FNHW for 7 years. Never had an issue until recently. Denied claimed due to us working on the system to make sure we didn't have water damage, since they were having issues with their payment systems. Had to pay twice, and wait for refund, they denied they received payment, even after I showed them they had received both payments from my bank. Sent out tech service 5 days later. Then denied coverage due to system being worked on.

      I told them, as the home owner, I'm supposed to endure water damage while they wait to send some one out. Of course they said yes that is what is expected, since I worked on the system, it was my fault for the leak, even though it was after the system started leaking and their lack of sending out the tech that forced the hand to either deal with a replacement unit or have thousands of dollars of water damage. Ridiculous. We switched companies and filed complaints with our state's business office and consumer protection departments. Not surprised FNHW has many complaints. They shouldn't be allowed to do business any longer. Take yearly payments, but when it is time to file a claim, they constantly deny coverage.

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      Customer ServiceCoveragePriceStaff

      Reviewed Nov. 7, 2025

      Horrible responsiveness to a microwave replacement issue. I have had FNHW coverage since I bought the home in 2021 and every year their price has increased at least $100-$150 and service calls increased on average $15 each year. It has taken SIX WEEKS and counting (still not resolved) and originally their customer service rep claimed a part needed to be ordered and it was with the "purchasing department" and they couldn't transfer me over to them. I asked to speak to a manager that called back, I missed the call and they failed to leave a message or follow-up. This has happened FOUR TIMES in the last 3 weeks and now they say they might have to replace it altogether. Unprofessional responsiveness and customer care.

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      Customer ServiceCoverage

      Reviewed Nov. 1, 2025

      Fidelity home warranty is a rip off!! They provide a so called “warranty” that doesn’t cover anything!! I’ve been in my house for a month and have had 2 issues, live wire and a leak. Not covered, what????

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        Fidelity National Home Warranty Company Information

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