Fidelity Home Warranty: Updated in 2018

Why do you need to read this Fidelity Home Warranty review for 2019? Because information gathered by the analysts at can be crucial to your choice of home warranty provider. Your home is one of the most important things you have purchased, and it is a good idea to protect yourself from unexpected repairs and replacements. Here you will find data on the company’s terms and conditions, pricing, coverage, and customer feedback. We also compared this company to the industry standards to help you decide on whether Fidelity Home Warranty is worth your trust and money.

Updated for Dec 03, 2018

Official website:  

Fidelity National Home Warranty Reviews by Our Readers
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Covered States
Hawaii Alaska Florida New Hampshire Michigan Vermont Maine Rhode Island New York Pennsylvania New Jersey Delaware Maryland Virginia West Virginia Ohio Indiana Illinois Connecticut Wisconsin North Carolina District of Columbia Massachusetts Tennessee Arkansas Missouri Georgia South Carolina Kentucky Alabama Louisiana Mississippi Iowa Minnesota Oklahoma Texas New Mexico Kansas Nebraska South Dakota North Dakota Wyoming Montana Colorado Idaho Utah Arizona Nevada Oregon Washington California
Plans and Coverage:
The Fine Print:
Editor Rating:
Reader Rating:
Covered Appliances and Systems
Facts and Figures
30 days
Effective in
$180 - $670
$250 - $5000
Pros And Cons
Excellent BBB rating A+
Market veteran
Large and established firm
Low optional coverage costs

Considerable negative feedback
Online chat not supported
Not available in all states
Limited optional coverage items
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Our Top-Rated Alternatives to Fidelity National Home Warranty

  # 1 Select Home Warranty
Editorial Rating 98.5
  • 24/7 service calls
  • Great annual promotions
  • Plans under $30/month
  • High contractor professionalism
  • Quick replacement payments
  • First 30 days: Free cancellation
  # 2 Choice Home Warranty
Editorial Rating 96.8
  • Market veteran
  • Large and established firm
  • Emergency service available
  • Free cancellation within 30 days
  • 24/7 service calls
  • Reservice for failed repairs
  # 3 Pride Home Warranty
Editorial Rating 87.9
  • Great promotions available
  • Market veteran
  • Great coverage plans
  • Emergency service available
  • Free cancellation within 30 days
  • 24/7 service calls
Fair Disclosure: has referral agreements with some of the companies presented on our top lists. We selected these companies because we believe they are the best choice for our readers. Referral income helps us keep the content on this website free.

Editorial Notes

Being an experienced home warranty service provider, Fidelity Home Warranty has supplied peace of mind about house repairs to homeowners and realtors in thirteen states, including Arizona, California, Colorado, Illinois, Florida, Georgia, and Idaho since 1995. It has been operating successfully for more than three decades, which is proven by an A+ BBB rating and accreditation.

Fidelity National Home Warranty plans offers a variety of coverage types, providing protection of both home systems and equipment, and adjusting its services to the needs of particular state. Although the premiums provided are higher than the industry average, limits are also higher. This, along with customary deductibles makes Fidelity Home Warranty a great value for your money compared to many other companies. Moreover, this company provides clear terms and conditions and does its best to save you from wasting your time and money on repairs. This is testified to by the positive Fidelity Home Warranty reviews available on the Internet.

Premium cost level:
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In this part of the review, we will help you decide if this company is credible. For this, we studied the Fidelity Home Warranty website, brochures, and the biggest customer rating sites such as the BBB, Yelp, and Google Reviews.
This business was started in 1995, and Fidelity Home Warranty corporate office is located in Concord, California. This company covers thirteen states of the USA, including Texas, Nevada, Missouri, Utah, Oregon, and Washington.

If you are somehow dissatisfied with your Fidelity Home Warranty, and their customer service cannot resolve your issue to your satisfaction, all disputes will be resolved by the American Arbitration Association.


How to contact
Main Page >> Contact Us
Online chat
Social media

This company is accessible 24/7 via phone. You can also use the contact form on the Fidelity Home Warranty website to make your claim. The company’s representatives are ready to help you with qualified contractors and advice. Although there is no online chat for more instant and convenient communication, you can find this company’s page on Facebook and contact them via Messenger.

Benchmarks Fidelity National Home Warranty Other companies

Company size
0 1,650
Annual revenue
No data
0 $1,276,000,000
Number of homeowners
0 2,200,000
Number of BBB complaints closed within last 3 years
0 14,850
0 383,900
Number of independent contractors
No data
0 44,000


BBB accreditation
A+ (Accredited)

Fidelity Home Warranty has gained a solid position in the market with an A+ rating from the biggest customer rating site—the BBB—and its accreditation. This makes the company comparable to the best home warranty service providers.

Not available through RHW Click Here to View Alternatives


When choosing a home warranty package, you need to understand clearly what items in your house need to be covered. A wide range of combined Fidelity National Home Warranty plans is suitable for homeowners and realtors, protecting both home appliances and systems. It is remarkable that this company is one of a few home warranty providers offering coverage for newly constructed houses.

Fidelity Home Warranty plan options include the New Construction and New Construction Comprehensive Plus plans. They cost $720 and $800 respectively with Fidelity Home Warranty—higher than the industry average—but protecting the most essential systems and equipment.

Fidelity home warranty coverage under the New Construction Comprehensive Plus Plan provides reimbursement for breakages caused by improper installation, repairs, or modifications, which is an unusual option even for the best home warranty companies.

The Standard Plan is the cheapest at $490.

The Comprehensive Plus Plan is similar, but you will pay $100 more for covering a wider selection of parts and components of your systems and equipment. While comparing Fidelity Home Warranty Comprehensive Plan review to the reviews of other companies, we noticed that although this price is within the industry average, companies such as American Home Guard and Old Republic Home Protection offer similar coverage, including refrigerator and washer and dryer for up to $650.

If you want to have as many items covered as possible, the Enhanced Plan is the best option with Fidelity Home Warranty. This package combines coverage of all previously described Fidelity Home Warranty plans and will cost you only $70 more, within the industry average.

Like the most home warranty service providers, this company allows you to customize each of the plans by buying optional coverage. However, the selection of additional items is more limited than many other companies offer. For example, Fidelity Home Warranty roof coverage is not available at the moment. Add-ons will cost you between $35 and $180.

In case you own a swimming pool, Fidelity Home Warranty pool coverage will include all accessible parts and components of the heating system, pumping and filtration, as well as saltwater control unit, salt cells and the flow sensors for the salt water chlorinators.

In addition, this package provides attractive limits of $150 to $5,000, which is very good compared to such leaders as Select Home Warranty and Choice Home Warranty with their limits up to $2,000. For a more detailed description of parts, components, and malfunctions covered under this contract, see the table below, paying attention to the pop-up prompts.

Summary of plans and coverage:

Coverage Term
Service Call Fee
ItemsLimit Silver Combo Plan Platinum Combo Plan Platinum Combo Plan Gold Combo Plan Gold Combo Plan Silver Combo Plan Gold Combo Plan Silver Combo Plan Gold Combo Plan Gold Combo Plan Optional Coverage
Premium Amount - $490.00 $800.00 $720.00 $670.00 $590.00 $485.00 $555.00 $395.00 $575.00 $495.00 $35.00 - $180.00
Service Call Fee - $75.00 $75.00 $75.00 $75.00 $75.00 $75.00 $75.00 $75.00 $75.00 $75.00 -
Term, Month - 12 48 48 12 12 12 12 12 12 12 12 - 13
Coverage$500.00 - $5,000.00

Air Conditioning and Heating Systems

Fidelity Home Warranty offers reimbursement for all parts and components that affect the operation of the most common a/c and heating units, including air forced gas, electric, and oil units; built-in floor and wall heaters; wall and window air conditioners; as well as evaporative coolers. There is no coverage for solar or glycol systems, portable or free-standing units, fireplaces, and chimneys, along with general maintenance and cleaning. This is a common practice if compared to the industry average. Fidelity Home Warranty plan coverage of a/c and heating is limited up to $5,000.

Electrical System

Fidelity National Home Warranty plans provide protection for all parts and components that are important for the operation of the system, along with the removal of defective equipment. However, alarms, intercoms, circuits, inadequate wiring capacity, power failures and surges, as well as lights are not covered under this warranty.

Plumbing System

Fidelity Home Warranty covers repair of leaks and breaks in water, waste, vent, or gas lines within the perimeter of the main foundation of the home or garage. While making a comparison of this company to other providers, we found out that there are ones to offer repairs of both internal and external lines, for instance - HomeServe USA. You can get reimbursement for repairs of toilets, faucets, shower heads and arms, and interior hose bibs. Sinks, toilet seats and lids, saunas, steam rooms, and bidets are not the company’s responsibility. Plumbing system protection is limited up to $1,000 for the access, diagnosis, and repair of concrete encased or inaccessible plumbing lines.

Home Appliances

All parts and components essential for the functioning of built-in kitchen and laundry appliances, as well as removal of defective equipment,  are protected under this package. Decorative and removable accessories are excluded from this coverage. Appliances warranty is limited up to $5,000. It is rather high, even when comparing it to the industry leaders.

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The Fine Print

Comparison to Industry
Coverage effective after
Above industry average
Cancellation with refund within
Below industry average
Cancellation fee
Above industry average
Automatic policy renewal
As 94.6% of industry
Time to cancel automatic renewal
Fee for contract transfer
Max time to submit claim
Repair timeframe
Repair timeframe (weekends and holidays)
Free second opinion
As 50% of industry
Emergency service available
As 86.8% of industry
Hours for service calls
As 85.2% of industry
Reservice if repairs fail
Standard for industry
Free reservice period (parts)
At industry minimum
Free reservice period (labor)
Above industry average

Transparency of a company’s terms and conditions say a lot about its credibility because a reliable provider has nothing to hide from its customers. In preparing this part of the Fidelity Home Warranty review, we found that the terms on fees and cancellation time differ a lot from state to state. That is why we recommend carefully looking over the contract before making a choice. Detailed information on each covered state is available on the Fidelity Home Warranty website.

Our analysts studied the terms and conditions of this company and made the following general conclusions:

  • You can count on reimbursement no earlier than thirty days after signing the contract. This is longer than the industry average, and inconvenient, as breakages can occur at any time.

  • If you want to cancel your warranty, you will pay a $50 cancellation fee, similar to the industry average.

  • If you are pleased with your warranty, you do not have to worry about contract renewal as it is automatic.

  • Like many other companies, Fidelity Home Warranty does not have a free second opinion on contentious issues. However, such providers as Pride Home Warranty and Endurance Home Warranty provide this option for free, whereas Select Home Warranty can offer it only if there are differing opinions on the issue.

  • This company provides a standard for the industry emergency service, and reservice if repairs fail.

  • Although the free reservice period for labor is a minimum of thirty days, for parts it is longer than most companies provide, at ninety days.

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Customer Reviews and Feedback

Quotes from actual customer reviews:

We've had mostly good experiences with Fidelity. The AC part can be rough because it's the hardest thing to go without in a Texas summer but we've been able to find the right person to help us every time. The most recent AC issue I've had resulted in a horrible encounter with an AC vendor and Fidelity quickly approved for us to work with someone else. That really makes a difference and is the reason I'll stay with Fidelity.

Yelp, San Francisco, California August 18, 2018

AC quit working in the middle of summer with 100+ temps. First they did not have one of their contractors that would work on the weekend. Had to wait for the next business day which was 2 days later in the heat, because the AC company does NOT work on weekends or holidays. If that happens you are just screwed. I will say that by LUCK, we did get a repair person that did know what he was doing and fixed the problem the very first time.

Pissed Consumer, August 31, 2017

Summary of ratings from popular review sites:

Fidelity National Home Warranty Industry Average


Relative Score

Adjusted Score

Complaints Board
Ripoff Report
Pissed Consumer
Google Reviews

Summary Rating

Types of repairs performed according to customer feedback:

Air conditioner Plumbing Dishwasher Oven Water heater Outside gas line Microwave Refrigerator Heating system Washer Pests Garage door Free-standing ice maker Water dispenser Pool Saltwater pool

Main takeaway points from customer feedback:

Fidelity National Home Warranty
Industry Average
Good work
Professional contractor
Good communication
Money offer
Fast work
Act of good faith
Communication problems
Repair delay
Claim denial
Tricky terms
Unprofessional contractor
Unexpected costs
Payment delay

When making a decision, it is useful not only to learn about the company and see how it compares to its competitiors, but also it is important to learn about other customers' experience. Here our team has collected and analyzed the most recent Fidelity Home Warranty reviews from the biggest customer rating sites, such as the BBB, Yelp, Google Reviews, and Complaints Board.

We found that the company has a satisfaction level of 1.6, which is lower than the industry average of 2.0. This is due to a low rating on most sites, except for the high 3.7 scores on the BBB.

It might also be connected with the fact that customers complained about communication problems and unprofessional contractors twice as often as the average in the market. Clients also mentioned repair delays and unexpected costs. However, there are also positive Fidelity Home Warranty reviews, reporting good and fast work, along with a satisfactory reimbursement.

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The Final Words

Is Fidelity National Home Warranty good?

In our Fidelity Home Warranty review, we did our best to help you answer this question and make your choice. We have analyzed all Fidelity Home Warranty data that we could find and compared it to the other companies. Fidelity Home Warranty provider offers a wide range of coverage plans, including rare protection for new construction, as well as reimbursement for improper installations, repairs, and modifications. It charges reasonable premiums for all of these options and provides pretty high limits. This coverage can suit any budget or customer needs.

However, it covers a limited number of states, and there are a lot of negative Fidelity National Home Warranty reviews mentioning communication problems, unprofessional contractors, repair delays, and unexpected costs.

However, if this company suits you, call Fidelity National Home Warranty to request a free quote. Alternatively, look through the list of home warranty companies on and choose the one that best fits your needs.

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