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Updated on September 21, 2023

Fidelity National Home Warranty Review 2023

Fidelity Home Warranty 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 Fidelity Home Warranty to offer top-notch services.

After analyzing its users’ feedback and our editorial team’s detailed research, we have documented the Fidelity Home Warranty review. This comprehensive review intends to enlighten with:

Company At A Glance

Years In Business 49
Plan Costs $67 - $86
Waiting Period 30 days
Coverage Limits Up to $5k
Service Fee $75
Option To Pick Your Own Contractor No

User Sentiments

positive_review_icon Positive:
neutral_review_icon Neutral:
negative_review_icon Negative:

Why Fidelity National Home Warranty?

  • Fidelity Home Warranty has over 40 years of experience in the industry.
  • The company offers 4 different plans to accommodate the homeowner’s budget.
  • Fidelity may consider independent out-of-network contractors to resolve issues.
  • The company offers a 24/7 customer care helpline and online support for quick response

latest Fidelity National Home Warranty reviews

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    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.

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    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!

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    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.

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    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.

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    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!!!!

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    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.


2.2/5 (781)

Consumer Affairs

1/5 (54)


1.5/5 (2,401)


3.7/5 (N/A)


3.1/5 (101)

Pros & cons of Fidelity National Home Warranty


  • Offers budget-friendly plans
  • Provides priority services in case of emergency
  • Has multi-year plans


  • Available in 10 states
  • Average customer satisfaction

Fidelity National Home Warranty Covered States

Fidelity National Home Warranty offers services in 10 states, excluding Alaska, Alabama, Arkansas, Connecticut, Delaware, Florida, Georgia, Hawaii, Iowa, Illinois, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Maryland, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Jersey, New York, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Virginia, Vermont, Wisconsin, West Virginia and Wyoming.

Fidelity Home Warranty Plans and Coverage

Fidelity Home Warranty plans can vary from state to state. For example, the company offers four plans with different coverage options to California homeowners. 

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, Fidelity Home Warranty’s Comprehensive Plus warranties go beyond standard coverage by including additional benefits. This extended plan covers the removal of defective equipment and certain expenses associated with mismatched systems, code violations, and improper installations, repairs, or modifications.

The Enhanced plan offers all-inclusive coverage, covering all components included in the previous packages. Additionally, homeowners can choose optional coverage for smart home systems, clothes washer and dryer sets, and kitchen refrigerators equipped with two compressors. 

The Enhanced Plus plan from Fidelity Home Warranty goes extensive by providing 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 Fidelity Home Warranty plans:


Standard Plan 

Comprehensivee Plus Plan

Enhanced Plan

Enhanced Plus Plan

Plumbing System
Heating System
Plumbing Stoppages
Water Heater (Gas Or Electric)
Electrical System/Doorbell
Smoke And Carbon Monoxide Detectors
Pest Control
Telephone Wiring
Central Vacuum System
Garage Door Opener
Ceiling/Whole House/Exhaust/Attic Fans (Built-In)
Air Conditioning
Trash Compactor 
Built-in Microwave 
Evaporative Cooler
Mismatched Systems
Improper Installations, Repairs or Modifications 
Removal of Defective Equipment 
Air Conditioning / Evaporative Cooler 
Clothes Washer and Dryer Option
Kitchen Refrigerator (Dual Compressor 
Water Heater Expansion Tank
Radiant/Hot Water/Steam Heat
Stoppages Due To Roots
Code Violation/Modification
Cost For Labor On Manufacturer’s Warranty Covered Items

Note- The contract limits the access, diagnosis, repair, and replacement per system or unit during the contract term as follows: 

Heating System




Kitchen Appliances


Air Conditioning


Optional Coverage

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

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


Fidelity Home Warranty Exclusions

Fidelity Home Warranty plans cover home systems and appliance failures due to normal wear and tear. The company does not cover

  • Misuse or abuse
  • Missing parts, failures due to fire, flood, lightning, earthquake, storms, accidents, or vandalism
  • Animals, pets or pests, power failure or surge
  • Soil movement, structural changes, manufacturer’s defect
  • Cosmetic defects
  • 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 Home Warranty Cost

The Standard Plan for a single home in California is priced at $300 per year, offering basic protection. The pricing suits those on a budget and seeking essential coverage. 

The Comprehensive Plus Plan, with very little additional coverage, costs $430 annually. The Enhanced Plan starts from $520 annually, and the Enhanced Plus Plan starts from $630 annually. These plans are priced on the expensive side, considering the extent of their coverage and the price point.

Cost of Fidelity Home Warranty Plans in California:


Standard Plan

Comprehensive Plus Plan

Enhanced Plan

Enhanced Plus Plan






Note – The above pricing is for homes under 5,000 sq. ft. and in a real estate transaction.

Find the details of service charges in California below:

Service Call


Trustworthiness & Customer Service of Fidelity Home Warranty

Fidelity National Home Warranty (FNHW) has over 40 years of experience serving homeowners, builders, and realtors. By prioritizing customer satisfaction, the company offers different plans for homeowners, agents, and brokers.

Although the company benefits from being associated with a prominent company, it is essential to consider customer feedback and experiences when evaluating its overall performance. And notably, being a part of one of the largest title insurance and settlement services providers, Fidelity has received a below-average Google rating of  1.7 from  2600 users.

However, Fidelity’s empathy towards its customers is shown in its responses on the Better Business Bureau (BBB) platform. Over the past year, they have successfully closed 424 out of 1900 complaints, showcasing their commitment to addressing customer concerns.

As for the plans, the company offers four plans which aren’t standard in the industry. All versions of plans include coverage like pest control, rekey, and central vacuum system. By including such services in their standard plan, Fidelity Home Warranty tries to accommodate homeowners’ needs in their budget. This effort to provide value-added services within their standard offering is notable.

Also, Fidelity offers optional coverage for a wide range of home features, including pool equipment, ornamental fountains, and outdoor kitchens. This means you can tailor your coverage to fit your specific needs and protect the items most matter to you.

Suppose you are searching for a home warranty option that provides a diverse range of coverage and allows you to select a payment plan that suits your needs. In that case, Fidelity National Home Warranty may be a favorable choice for you.

 How To Buy A Home Warranty From Fidelity Home Warranty?

You can buy a home warranty plan on Fidelity’s website or obtain a free quote right away from HomeWarrantyReviews.com. After that, you can complete your order after carefully reading the small print.

Check out all the other factors that could influence your decision to buy in our comprehensive guide on how to purchase a home warranty.


Fidelity Home Warranty Claim Filing Procedure

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

  • Once your request has been raised, a qualified service technician is assigned for inspection within 3 hours. However, it may take up to 48 hours during weekends and holidays.
  • Fidelity 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, paying a visit, and examining the appliance or the system.
  • Once the problem is identified, the technician repairs or replaces the appliance upon approval from Fidelity. 
  • A service fee or deductible of $75 is payable to the technician when they visit.


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.

Editorial Note on Fidelity Home Warranty

After a thorough evaluation of Fidelity Home Warranty, our editorial team finds that the company has made efforts to design plans and pricing structures that cater to customers’ needs.

While the company provides coverage starting at $300 p.a. for various home systems and appliances, customer feedback highlights the need to improve claim handling efficiency and responsiveness. 

Despite the competitive pricing, the company must prioritize timely and satisfactory claims resolution to enhance overall customer satisfaction. By addressing these areas of concern, Fidelity Home Warranty can further establish itself as a reliable and customer-centric service provider.


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

Therefore, it is advisable for potential customers to thoroughly research and consider alternative options that align more closely with their needs and expectations.


Quick Details About The Company

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


Lorna Mello

Year Of Establishment



1850 Gateway Blvd, #400, Concord, CA 94520

Type Of Company


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Fidelity Home Warranty FAQs


How Long Does Fidelity National Home Warranty Last?


Fidelity Home Warranty offers plans for one year and 13 months with an option to renew the existing plan after the end of the contract term.


How Can I Renew My Current Fidelity Home Warranty Plan?


You can renew your Fidelity 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 Home Warranty 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 To Process Service Requests?


Fidelity Home Warranty 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.

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Fidelity National Home Warranty reviews

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