Fidelity National Home Warranty

Fidelity National Home Warranty

 1.0/5 (54 reviews)
Monthly premium cost
$29 to $37
15 states

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Overall Rating1.0 out of 5
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About Fidelity National Home Warranty

This profile has not been claimed by the company. See reviews below to learn more or submit your own review.

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 & Cons


    • Low costs
    • Online resources
    • No age limits on covered items


    • Reports of poor customer service
    • Not available in most states

    Bottom Line

    Fidelity National Home Warranty has affordably priced plans and helpful information on its website, but it isn't available in many locations, and some consumer reviews mention poor customer service.

    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.

    Fidelity National Home Warranty Reviews

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    Page 1 Reviews 0 - 10
    Rated with 1 star
    Verified Reviewer
    Original review: May 22, 2023

    If I could give a zero star I would. Not only do they give you the run-around, they will do ANYTHING to deny your claim. I had to fight so many times just to get the correct information on several claims; everyone kept telling me different things for the same claim/issue. Example: my tub overflow spout was improperly installed. They sent out a company who said it would cost me $150 outside of my policy; but then Fidelity determined that was "too expensive" and went with a cheaper company, who told me it was 100% covered.

    Then, I got conflicting information from fidelity; it was going to cost me $1,000, then $1200, then $1500 then $500. I fought back and they finally covered it all, but the whole process took WEEKS. Now, with my HVAC, they're denying my claim AFTER the AC company ripped my AC and ceiling open, saying it's MY fault it was improperly installed. I have to pay extra out of pocket just to get another company out to fix my AC in California heat. Not renewing my policy, screw this company.

    Be the first one to find this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: May 1, 2023

    STOP. DON'T EVEN THINK ABOUT BUYING A HOME WARRANTY FROM THIS COMPANY!!!! They should change their name to "Excuse after Excuse Home Warranty" because once you pay for their warranty that is all you will ever get one after another!!

    3 people found this review helpful

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      Rated with 1 star
      Verified Reviewer
      Original review: April 19, 2023

      I pay for the most expensive plan they have. The extended plan covers external pipe leaks that include bibs and the main shut off valve. So when I had a busted leak I opted to replaced the entire line and valve. They only cover up to $1000 so I was expecting to at least get that but now they are saying they don’t cover it, like wtf. I keep referring them to the contract but now we are in a back and forth. I will definitely be switching once this contract is over to a more reputable company. Also everyone you speak to will have a thick accent so it’s hard for them to understand you. So frustrating and a waste of money. I’ve had them come out before for clogged sewer line, they didn’t cover that either. Absolutely worthless.

      7 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: April 15, 2023

      We have few houses in Las Vegas for investment and have Fidelity National Home Warranty for all houses for the past 10 years. Everything seems okay for the last 9 years and started last year they changed completely, just about every services we requested for houses during the last 12 months has been denied with ridiculous reasons. Somehow Fidelity NHW should realize that consumers paying average $450 annually plus $75 for each call and no services provided then they think people will renew or stay with Fidelity National Home Warranty..??

      Recently FNHW acting just likes scamming company and denied services which clearly stated covered under their policy with unreasonable reasons and blaming back to the local vendors. We're not going to renew any contract with Fidelity NHW and will notify all partners, Real Estate Agents around to avoid this company, they sure will lose as much as 30 plus contracts from our group and people we know. Anyone or any Agents out there looking for Home Warranty better think twice about this company, you or your customers will not get any services from Fidelity National Home Warranty and still lose your $75 co-pay.

      5 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: April 14, 2023

      The condensation line connected to our tankless water heater cracked and started leaking. We submitted a service request online and paid the $75 service fee on 4/2/2/2023. I was already concerned about the vendor's poor ratings but Fidelity said they could not change it. I called the assigned vendor on Monday afternoon (4/3) and a representative came out 2 days later on Wednesday 4/5. He was in the garage for 2 minutes, took some pictures, and could not tell me what needed to be done, even though the cracked pipe with water leaking out was obviously collecting in the bucket we had put on the garage floor. I was told by Fidelity that a report would be submitted within 1 business day.

      By Friday, I heard nothing. By the following Monday (4/10), I called Fidelity Home Warranty and the representative said a report still had not been submitted but they would leave a message with the vendor. On Tuesday 4/11, Fidelity representative Kimberly says she will take ownership of my case send an email out requesting the report. By this time, we are starting to see mold grow and our drywall is peeling from the moisture. By Tuesday afternoon, I am told they have all the information they need and will have a response by end of business day. Today is now Thursday (4/13) and when I followed up with Ashley, I am told they are still waiting on additional information from the vendor. Meanwhile, the problem is obvious, water is leaking from the broken condensation line, and the drywall in the garage is peeling with mold starting to grow. Of course, secondary damage from their delay/neglect in addressing the problem is not covered.

      We paid for the highest level coverage for 5 years and this is the first time we've had to use them for a newly built home that we've been in for 4.5 years. The customer service is horrible, the representatives are rude and condescending, and it's obvious they get the same complaints and read off a script that gives you ambiguous answers so they're never committed to actually honoring your warranty or finding a resolution for you. Their stock answer is "you will have to read the terms and conditions of your contract."

      We sent a picture of the problem to a reputable plumber and he told us exactly what the problem was immediately and what needed to be done to fix it. When we read the owner's manual of the tankless water heater, the outside plumber we contacted was spot on. Meanwhile, the vendor who came out to look at it in person had no clue. When we asked the outside company if he works with Fidelity home warranty, he said they don't because the company pays so little for the service and rarely actually covers anything.

      It's a great scam to have customers pay $75 for the service fee upfront and then have you be so frustrated with their delay tactics that you end up paying out of pocket to avoid further secondary damage. Would not recommend this home warranty company. We had Landmark when we lived in Texas and they were much more responsive and cared so much more about retaining happy customers.

      6 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: March 24, 2023

      I too was "gifted" this home warranty contract from the seller of my home. Two months after the purchase we had a major plumbing stoppage. "Their" plumber quoted over $8000 for the repair that my property manager's plumber did for $1200. My manager was told to go ahead with his own plumber and that we would get "cash in lieu". It is going on two months now that I am still fighting for the "cash in lieu". Every time I call they say I need to talk to someone else. I can never call that "someone else" - I have to wait for them to call me - which, of course, NEVER happens!

      I have been told six times now that "someone else" will call me back. Each time I call I get a new "ticket#" because they have "escalated" my issue. They even told me that they called and nobody answered - but there is no missed call on my phone - and that when they called my number was disconnected - my number has NEVER been disconnected. I'm going to keep trying and I'm going to file a complaint with the BBB. I'm not expecting resolution to this issue any time soon, but I plan to keep calling every week until they honor our contract!

      8 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: March 23, 2023

      Updated on 04/01/2023: I have spoken with (quote) "customer service" at least twice a week try to get my tub and toilet repaired. Excuse after excuse! The worse response "I understand your concerns". Ha ha! Try not having a tub or toilet before you "understand my concerns". Each rep says, "I will get back to you", but of course they do not. PLEASE PLEASE DO NOT USE THIS COMPANY! They are a SCAM.

      Original Review: IF this were a competition for the worst home warranty, you would win without a doubt. For at least the past month we have been dealing absolute incompetence, working with your company regarding a backed up tub that will not drain. The plumber you sent attempted to snake it from the outside access. He was unsuccessful and only after waiting for a response/reply I had to call you to learn that he marked the job “Completed”. Really?!? Does this sound like he solved my repair need? I spoke with one gal initially who had me on the phone for 50-ish minutes arguing that my consult was closed. Then she said that the toilet would need to be removed to fix the tub, but (of course) you do not do that. There must be another way to remove the clog. I have other plumbers saying you should and could have used water pressure/power jet. I work at a hospital and could not possibly remain on the phone any longer.

      Second time I called (because no one called me back. Your customer services is horrible!!) said they could send the same incompetent plumber out for a second opinion. Really?!? That is not a second opinion. It is the same bad opinion twice. If he could not fix it the first time, why would you send him again. Oh, right, because you will do anything possible to avoid the repair. Your moto should be, “We will continue to throw obstacles in your way until you finally fix it yourself”. So now I have a tub that will not drain and a toilet that will not drain. Your company is the worst!

      6 people found this review helpful
      Rated with 1 star
      Verified Reviewer Verified Buyer
      Original review: Feb. 25, 2023

      This company is terrible. I have been "gifted" this warranty with all three of the homes I've purchased and I must say it is not a gift. Fidelity is a scam, they find every loop hole to NOT cover anything. I've tried many claims and the ONLY thing they have covered is a rekey service one time in 7 years and maybe 5 claims I've tried. And that was a free service. My water heater broke, in an emergency situation I went out and replaced it. Remembered that I had the warranty (new oblivious home owner) and called them to inform them. Paid the $75 for someone to come out and tell me that yes the old water heater was broken but I shouldn't have taken it out. I need to call before hand. Terrible.

      My third house came with a new fridge. The water stopped dispensing. They told me ice makers were covered but not filtration systems. Deny. So if the water can't filter then of course my ice maker won't work. But denied anyway. They NEVER call back with updates. I have to always call them back. DO NOT PURCHASE THIS PLAN. IT'S A SCAM.

      8 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: Jan. 26, 2023

      We purchased a home in August and the seller purchased our home warranty. Fidelity National Home Warranty was suggested but I want to caution anyone from using this company. We've had two plumbing issues in our house and the first time they refused to cover the service, even though I went back and forth with them about what was covered in our contract. The contract clearly covered our issue. The woman denied it, I pointed out the coverage, she went to a supervisor and came back and said yes it was covered but gave me some ridiculous excuse about why it was excluded. The situation was so upsetting.

      Then, we had another issue with plumbing, a broken pipe under the toilet in the concrete slab. The plumber came and removed the toilet and showed me the broken pipe. He called FNHW and they said they had to send it for approval. I am now on 2.5 days in, multiple calls to the plumber (who has heard nothing from FNHW) and FNHW and still no word on whether it'll be covered. The plumber assured me it should be covered but from experience, FNHW will put up a fight. It's almost not worth it. DO NOT USE THIS COMPANY!!!

      9 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: Jan. 20, 2023

      Fidelity Home Warranty. My wife and I have been with Fidelity for 8 years, or so. They've always been responsive & accommodating. That is, until now. My GE dishwasher, doesn't wash, my GE refrigerator, has an intermittent problem. Push for water, and sometimes it WON'T STOP. Get the picture? The repair people show up. Dishwasher needs a new circuit board, the fridge needs a new spring. That will take about a week. Now, with NEW board in hand, he gives it one more try? He pushes start & the damn thing comes alive. Go figure.

      Two weeks later...the fridge is down again. Same problem. This time, a new circuit board is needed. Hopefully, they're still available. But Fidelity wants the board re-built. No problem? BIG PROBLEM. With NO BOARD, the fridge will be COMPLETELY DOWN for 2 to 4 WEEKS, MAYBE MORE. My wife and I are both are 76 yrs, of age. We have special diets & meds that need to be refrigerated. I phone Fidelity to fill them in. I suggest, a Certified GE Repair Tech. Sure, but that would cost me another $75 service fee. How about, renting a fridge for us? Nope. He then says, I should expect a little inconvenience from time to time.

      Little INCONVENIENCE!? I don't call, out of service 2 to 4 weeks...maybe longer, a Little INCONVENIENCE. I don't expect Fidelity to run out & purchase a new $2k fridge, if they can repair it for a couple hundred bucks. But NO ONE alive in the 21st CENTURY, can go without a refrigerator for that length of time...2 weeks, 4 weeks...maybe MORE. Maybe, the folks at Fidelity should give it a try. My next move? Fidelity is GONE. I'll cancel my $900 annual membership fee & the

      $75 per service call with Fidelity. I plan to return to 1st American or American Home Warranty. Oh, by the way, we're going to live with the fridge as is.

      10 people found this review helpful

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        Fidelity National Home Warranty Company Information

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        Fidelity National Home Warranty

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