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Fidelity National Home Warranty Review 2023

Name: Fidelity National Home Warranty
Brand: Fidelity National Home Warranty
Price: 67 USD
Availability: InStock
Rating: 2.2 (782 reviews)

Fidelity National Home Warranty (FNHW) has been in the market for over 40 years. The company has five plans with varied levels of coverage for its customers. Find out more about FHW in this detailed Fidelity National Home Warranty review.

2.2/5 (782)

Submit Your Details & Get A Quote Now!

Save Big On The Appliance Repair Costs add this

Plans costs
$67 - $86

Service fees
$75

49 Years in
Business

Covers in 10
states.

By HomeWarrantyreviews.com Team | Reviewed By Shashank Ramesh

Fidelity National Home Warranty (FNHW) is part of Fidelity National Financial (FNF), one of the largest title insurance and settlement services providers in the United States. FNF is regularly featured in the Fortune 500 list. As a result of coming from such a business group, the users expect FNHW to offer top-notch services.

After analyzing its users’ feedback and our editorial team’s detailed research, we have documented the Fidelity National Home Warranty review.

This comprehensive review intends to enlighten with:

Plans and coverage options offered by Fidelity
The company’s limitations & exclusions
Claim Filing Procedure of Fidelity
Actual reviews of Fidelity National home warranty users

Why Fidelity National Home Warranty?

Fidelity National Home Warranty has over 40 years of experience in the industry

The company offers pest control and re-key in its all plans.

FNHW provides a cash payment option instead of physically repairing or replacing the item.

HomeWarrantyReviews.com

2.2/5 (782)

Consumer Affairs

1/5 (54)

Yelp

1.5/5 (2,401)

Explore users’ experience of Fidelity National Home Warranty

Corinne Burrell , CA, Granite Bay

I’ve had Fidelity Home Warranty since 2000, three different homes. They have never denied a claim, have sent out professional workers and have saved me headaches galore. I’ve had many claimed over the years and am always happily surprised they continue to renew my contract yearly. I can\'t say enough good things about Fidelity. I’ve read bad reviews abou them and am puzzled because my experience has been stellar.

Kate DeLange , CO, Littleton

I have been with this company in 3 different homes I’ve owned! 2 weeks after moving into new home my old hot water heater died. Within 2 days brand new one was installed. Dishwasher wouldn’t drain they were out with new pump and was fixed and still running well. Sink faucet replaced, toilet replaced. Washer fixed! They just keep showing up for me and my friends who I’ve recommended to fidelity. All I know who have this warranty couldn’t be happier!!! They are so worth it, every time!

Angela Gresham , CA, El Cajon

I called Fidelity National because my heater had stopped producing heat. Much to my surprise the technician that called lived in my complex, the next building over. He was at my door 10 minutes later fixing my heater. He also changed my filter at no charge. He was professional, courteous and knowledgeable. I\'ve had this warranty for 2 years and it seems to be worth it so far.

Dina , CA, Redding

I cannot stress enough how awesome this warranty has been for us. Going on my 3rd year renewing right now. I pay $75 per service call. Let me see what I can recall so far. Oil stove ( alternate source of heat, in addition to central ) Couldn’t find any companies to come work on my unit. They allowed me to find a licensed company, hire , repair, and pay on my own, then they reimbursed me within a week just under $900. Had 3 plumbing issues, about $800 worth, all fixed in one day and very satisfied. Double ovens, stainless steel, Kenmore. Digital board quit working, got brand new kenmore double ovens installed Ana’s purchased from Lowe’s. Extremely satisfied. Dishwasher dispenser quit opening, that repair took a long time, but he replaced a bunch of parts in there, works like new Had a toilet leaking from the base, had a small grumpy plumbing company come out, saw 2 weeks later it was not fixed, got upset and called fidelity, I told them I didn’t trust the guy and don’t want him back in my home, they sent me a new company out, he fixed it properly, and no 2 nd service call charged to me. They have exceeded all of my expectations thus far.

Hector Gonzalez , CA, Palm Desert

My heater was not working. So I called my home warranty company & they sent out a company called Anthem. They did an amazing job! Fidelity over delivered! Thank you! I highly recommend Fidelity Home Warranty!!! The technician that worked on my unit was Julian Ramirez & his colleague. They were both very knowledge, professional experts, friendly & hard working! 5 Stars!!!! Thank you!!!!

Sharon Tanner , TX, Rockwall

I was shocked to see all the low reviews, but I have called Fidelity 3 times for repairs. The first call, they came out, technician looked at two of our appliances, they could not be repaired and he submitted his report to Fidelity. They replaced both our dishwasher and refrigerator. As we checked out the specs on the replacement fridge, we noticed the ice-maker capacity had less volume than our original. My husband called Fidelity and they reviewed specs and offered another model that met all the previous specs/bells/whistles. I was in shock how easy that process overall was. I am skeptical of home warranty companies and chalked it up the excellent experience to being a fluke. Fast forward 2 months, our Heater went out this week. We called the company that installed the unit & no help there. We called Fidelity in the afternoon and they had someone able to come out the next morning. Repair technician had us up and running the same day.

Pros & cons

Pros

Has pest control in all plans
Provides priority services in case of emergency
Licensed and pre-screened technicians are available

Cons

Does not offer an option to subscribe to monthly plans

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Plans & Coverage Of Fidelity Home Warranty

Fidelity National Home Warranty plans vary from state to state. The company offers five plans: Standard, Standard Plus, Comprehensive Plus, Enhanced, and Enhanced Plus, with various state-specific coverage options.

The Standard Plan comprises essential components such as plumbing systems, HVAC systems, interior telephone wiring, select electrical systems, garage door openers, built-in house and ceiling fans, central vacuum systems, water heaters, and pest control.
Building upon the coverage of the standard plan, FNHW offers Standard Plus Plan that covers the removal of defective equipment and certain expenses associated with mismatched systems, code violations, and improper installations, repairs, or modifications.
The Comprehensive Plus Plan goes beyond standard plus coverage by including electric built-in wall units of air conditioning, an evaporative cooler, and a home improvement option.
The Enhanced plan covers all components included in the previous packages. Customers can also choose optional coverage for smart home systems, clothes washer & dryer sets, and kitchen refrigerators with two compressors.
The Enhanced Plus plan from Fidelity is the most extensive in its list of plans. This plan provides coverage for all the components included in the above packages.

In addition to the comprehensive coverage, this plan includes protection against stoppages caused by roots, water heater expansion tanks, radiant or steam heat systems, and increased coverage amounts for code violation issues.

The table below presents a detailed list of items covered under all FNHW plans:

Plans	Standard Plan	Standard Plus Plan	Comprehensive Plus Plan	Enhanced Plan	Enhanced Plus Plan
Heating System	✓	✓	✓	✓	✓
Plumbing System	✓	✓	✓	✓	✓
Plumbing Stoppages	✓	✓	✓	✓	✓
Water Heater (Gas Or Electric)	✓	✓	✓	✓	✓
Ductwork	✓	✓	✓	✓	✓
Electrical System/Doorbell	✓	✓	✓	✓	✓
Smoke & Carbon Monoxide Detectors	✓	✓	✓	✓	✓
Pest Control	✓	✓	✓	✓	✓
Telephone Wiring	✓	✓	✓	✓	✓
Re-Key	✓	✓	✓	✓	✓
Central Vacuum System	✓	✓	✓	✓	✓
Dishwasher	✓	✓	✓	✓	✓
Trash Compactor	✓	✓	✓	✓	✓
Built-In Microwave	✓	✓	✓	✓	✓
Range/Oven/Cooktop	✓	✓	✓	✓	✓
Ceiling/Whole House/Exhaust/Attic Fans (Built-In)	✓	✓	✓	✓	✓
Garage Door Opener	✓	✓	✓	✓	✓
Kitchen Exhaust Fan	✓	✓	✓	✓	✓
Mismatched Systems		✓	✓	✓	✓
Improper Installations, Repairs Or Modifications		✓	✓	✓	✓
Removal Of Defective Equipment		✓	✓	✓	✓
Refrigerant, Recapture, Recovery & Disposal		✓	✓	✓	✓
Permits		✓	✓	✓	✓
Code Violations		✓	✓	✓	✓
Faucets/Shower Heads/Shower Arms/Interior Hose Bibs		✓	✓	✓	✓
Heating System (Registers/Filters/Grills/Heat Lamps)		✓	✓	✓	✓
Home Improvement Installation Option			✓	✓	✓
Air Conditioning/Evaporative Cooler			✓	✓	✓
Clothes Washer & Dryer Option				✓	✓
Pre-Season Hvac Tune-Up Option				✓	✓
Kitchen Refrigerator with Water Dispenser & Ice Maker				✓	✓
Smart Home Option				✓	✓
Water Heater Expansion Tank					✓
Radiant/Hot Water/Steam Heat					✓
Water Softener/Reverse Osmosis Filtration System Option					✓
Enhanced Slab Leak Limit/External Pipe Leak Option					✓
Stoppages Due To Roots					✓
Code Violation/Modification					✓

Optional Coverage

By paying an additional fee, customers can add the following items to their selected plans:

Air Conditioning/Evaporative Cooler
HVAC Zone Control Option
Pool/Spa Equipment
Clothes Washer/Dryer (Per Set)
Kitchen Refrigerator (One Each) Kitchen
Refrigerator/Water Dispenser & Ice Maker
Additional Refrigerator
Well Pump/Septic Tank System/Sewage
Ejector Pump
Limited Roof Leak Repair
Appliance Limit Upgrade
Ornamental Fountain/Motor & Pump
Water Softener/Reverse Osmosis
Leak Limit/External Pipe Leak
Installation Option
Outdoor Kitchensmart Home
Pre-Season HVAC Tune-Up
Seller’s Comprehensive

Coverage Limitations & Exclusions

Fidelity National Home Warranty has limitations & exclusions on access, diagnosis, repair and replacement for each system. The company provides an aggregate limit to some of the essential items like $5,000 for kitchen appliances and $1,500 for Heating & air conditioning systems.

While the contract contains detailed information, here’s a quick reference for the major coverage limits (all coverage limits apply in the aggregate unless otherwise specified).

Items	Limits
Heating System	$1,500
Plumbing System	$1,000
Ductwork	$1,000
Kitchen Appliances	$5,000
Air Conditioning	$1,500

Below are the coverage limits of optional items:

Optional Items	Limits
Kitchen Refrigerator/Washer/Dryer Options (per unit)	$5,000
Radiant Hot Water/Steam, Water Heater/Heating Units, Water Sourced, Air Transfer, Diesel, Oil, or Hydraulic Systems	$1,500
Pool/Spa	$1,500
Appliance Limit Upgrade Option	$5,000
Well Pump Option	$1,500
Additional Refrigerator Coverage Option	$1,000
Ductwork	$1,000
Outdoor Kitchen Option	$1,000
Limited Roof Leak Repair	$1,000
HVAC Zone Control Option	$500
Water Softener/Reverse Osmosis Water Filtration System	$500
Ornamental Fountain Motor/Pump Option	$500
Septic Tank System Aerobic, Effluent, Sewage Ejector, & Grinder Pump	$500
Limited Roof Leak Repair Option	$1,000
Smart Home Option	$5,000

Fidelity National Home Warranty plans cover home systems and appliance failures due to normal wear and tear. However, the company does not cover:

Misuse or abuse of covered items
Missing parts, failures due to fire, flood, lightning, earthquake, storms, accidents, or vandalism
Damage due to animals, pets or pests
Damage due to power failure or surge
Damage caused by soil movement, structural changes or manufacturer’s defect
Claims pertaining to cosmetic defects
Damages due to computerized, remote energy management systems
Diagnosis, repair, or removal of mold, mildew, rot, or fungus

Note – Your contract can include additional limitations and exclusions. Before you buy the warranty, we advise you to read the sample contract carefully.

Fidelity National Home Warranty Cost

The pricing of Fidelity National Home Warranty plans ranges between $405 – $825 annually, and the deductible is $85 per claim.

The Standard Plan for a single home in California is priced at $405 per year, beginning with basic protection. The pricing suits those on a budget and seeking essential coverage. The Standard Plus Plan with extra protection costs $490.

The Comprehensive Plus Plan, with very little additional coverage, costs $535 annually. The Enhanced Plan starts from $625 annually, and the Enhanced Plus Plan is the most expensive one as it starts from $825 annually.

Cost of Yearly FNHW Plans in California:

Plans	Standard Plan	Standard Plus Plan	Comprehensive Plus Plan	Enhanced Plan	Enhanced Plus Plan
Single Family	$405	$490	$535	$625	$825
Condo/Townhome/Mobile	$360	$445	$475	$555	$740
Duplex	$530	$615	$660	N/A	N/A
Triplex	$745	$830	$935	N/A	N/A
Fourplex	$955	$1,040	$1,215	N/A	N/A

Service Call Fee

$85

Note – The above pricing is for homes in California under 5,000 sq. ft. and in a real estate transaction. To know more about pricing in your location, take a free quote!

Trustworthiness, Customer Services, & Editorial Note of Fidelity National Home Warranty

Fidelity National Home Warranty (FNHW) has over 40 years of experience serving in 10 states. By prioritizing customer diverse needs, the company offers different plans to homebuyers, sellers and real estate agents. The company has priced its plans from $405 to $825 in California.

Despite its annual price of $405 for the basic plan, which doesn’t cover the air conditioning system, the evident value it offers surpasses this cost.
However, the company solely provides yearly contracts without any possibility for monthly plans. The absence of such choices might discourage many homeowners on a tight budget from getting a home warranty from FNHW.
Fidelity’s diverse plans encompass pest control, re-keying, and specialized home warranty coverage for newly built houses—an uncommon offering among home warranty companies.
However, it’s important to note that the cost of Enhanced Plus Plan exceeds the industry standard by a significant margin. While this might suit the preferences of certain consumers, it might not align with the budgets of middle class homeowners.
Also, when it comes to safeguarding essential appliances like HVAC and plumbing systems, FNHW offers coverage with an aggregate limit of up to $1,500 and $1,000. It’s worth noting that this limit is relatively lower than some competitors offering a limit of up to $2,000 to $4,000 in the industry.
Although the company benefits from being associated with a prominent parent company, Fidelity has only received a below-average rating of 1.9 from 2973 users on Google. Most customers have stated delayed action on service and unsatisfactory repairs.

After a thorough evaluation of Fidelity National Home Warranty, our editorial team finds that the company has tried to design plans and pricing structures that cater to customers’ needs. However, the company needs to further establish itself as a reliable and customer-centric service provider.

Claim Filing Procedure

You can file the service claim on the website or by calling Fidelity National Home Warranty’s toll-free phone number.

Once your request has been raised, usually the company assigns a technician for inspection within 3 hours. However, it may take up to 48 hours during weekends and holidays.
Fidelity National also allows you to hire your service technician or contractor.
The service technician will then set up an appointment by calling the registered phone number.
Later the technician pays a visit, and examines the appliance or system in question on the scheduled day.
Once the problem is identified, the technician repairs or replaces the appliance upon approval from Fidelity.
A service fee or deductible of $85 is payable to the technician when they visit.

Methodology

At HomeWarrantyReviews.com, we are dedicated to providing in-depth home warranty reviews so you can choose the best home warranty company & make the most out of it. We examine, compare, and analyze the companies on the following factors:

Cost-effective: We compare the costs of home warranty plans and determine if those are cost-effective. The pricing includes monthly/annual premiums, deductibles, and customer discounts.
Coverage: We compare the plans offered by different home warranty companies. The coverage includes systems, appliances, and additional offerings.
Claims: We look at customer reviews and determine how satisfied they were with the claims filing procedure, settlement, and response times.
Transparency: We verify if the home warranty company is licensed within the appropriate industry and offer details on the CEOs, contractors, and several settled claims.
Uniqueness: We examine whether the company offers additional services, advantages, or coverage alternatives that set them apart from the competition.
Customer Engagement: We assess the determination of home warranty companies responding to consumer problems in our Complaint Resolution Program.

Conclusion

In conclusion, while Fidelity National Home Warranty is a popular name in the house warranty market, there are concerns regarding the company’s online experience, cancellation policy, and customer service.

Therefore, it is advisable for potential customers to ensure that FNHW properly aligns with their requirement before making the commitment.

Quick Details About The Company

Let us have a quick glance at the company’s primary details:

Founder/CEO	Lorna Mello
Year Of Establishment	1974
Address	1850 Gateway Blvd, #400, Concord, CA 94520
Type Of Company	Private

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Frequently Asked Questions (FAQs)

How Long Does Fidelity National Home Warranty Last?

Fidelity Home Warranty offers plans for one year with an option to renew the existing plan after the end of the contract term.

How Can I Renew My Current Fidelity National Home Warranty Plan?

You can renew your Fidelity National Home Warranty plan through their website by logging in to your customer portal or calling their toll-free number – 1-800-862-6837.

Can I Purchase A Plan For Old Appliances?

Yes, Fidelity’s plans cover appliances irrespective of their make, model, or age. The appliance has to be in working condition when the plan is purchased.

How Long Does It Take FNHW To Process Service Requests?

FNHW processes service requests in 3 hours on working days and within 48 hours during weekends or holidays. The company also offers to expedite service requests in case of emergency.

How many states are covered By Fidelity?

Fidelity National Home Warranty offers its services in 10 states – Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington.