Fidelity National Home Warranty Review

Enjoy a 90-day guarantee on parts

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Fidelity

Fidelity

Our Take

Fidelity National Home Warranty is a home warranty company that offers home-buyers and -sellers comprehensive coverage on appliances and critical home systems, such as heating and air conditioning and septic systems. However, the company has numerous customer complaints online, so homeowners should be careful before purchasing coverage.

  • Pros and Cons
  • Key Takeaways
  • Specifications
Pros and Cons
Pros
  • Competitive payout caps

  • 21 home components and systems covered under basic homeowners plan

  • 90 day warranty on parts*

Cons
  • Repairs may be made with non-original manufacturer’s parts, including rebuilt or refurbished parts

  • Coverage only available in 13 states

  • Homeowner plan info and pricing not available online

  • Low customer survey rating on BBB

  • Not all plans are available in every state

*While many home warranty companies offer a standard 30-day workmanship guarantee, we’ve seen very few that advertise a warranty on parts. Fidelity National Home Warranty not only offers a 30-day workmanship guarantee but also a 90-day warranty on parts.

Key Takeaways
  • Fidelity has more than 600 customer complaints, mostly about denied coverage 
  • Fidelity’s 1-star customer rating from the BBB should give homeowners pause 
  • Fidelity tries to guarantee repairs that are necessary to make a property habitable 
  • Seller’s coverage from Fidelity only lasts a maximum of 180 days 
  • Fidelity is owned by Fidelity National Financial, a Fortune 500 company
Specifications
  • Year Founded 1984
  • Coverage 15 states
  • Customer Service 24/7 online or by telephone (800-308-1420)
  • Waiting Period 30 days for homeowners plans. Buyer’s coverage begins at the close of sale.
  • Contractor Network Independent contractor network
  • Service Recall Period 30 days on labor. 90 days on parts.
  • Number of Plans 4 homeowner plans. 4 real estate plans.
  • Coverage Limit Numerous payout caps (See payout cap section above)
  • Contract Length 12 months
  • Payment Options Repair/replace or cash payment at company’s discretion
  • Cost Trade service call fee $75
  • Official Website https://www.homewarranty.com/FNHW

Unlike most home warranty companies that cater to homeowners, Fidelity National Home Warranty’s plans are geared more to real estate agents. It has comprehensive coverage for home buyers and sellers as well as basic coverage for homeowners covering 21 home components and systems. It offers a 90-day guarantee on parts which is a guarantee not offered by many home warranty companies.

If you are buying or selling a home, you may want to check into Fidelity National’s plans. We examined the company’s offerings including coverage plans, exclusions, payout caps, BBB rating and more to help you make an informed decision when purchasing a home warranty plan.

Company Overview

Fidelity National Home Warranty began operations in 1998. The company is headquartered in Concord, California. It has over 850 employees with operations across 17 states. Its parent company, Fidelity National Financial, is a Fortune 500 company. Homeowners and realtor plans are available in:

  • Arizona
  • California
  • Colorado
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Kentucky
  • Missouri
  • Nevada
  • Oregon
  • Texas
  • Utah
  • Washington

Homeowner Plans

Home warranty plans offer you protection from unexpected repairs on appliances and home systems due to normal wear and tear and can help you with the high cost of home repairs. You have up to 30 days after your initial purchase of a home warranty to purchase optional coverage. 

The company seems to be geared more to real estate plans rather than coverage for homes not involved in a real estate transaction. We were unable to obtain detailed plan information on the website but were able to confirm by telephone that Fidelity National’s homeowner plans mirror the coverage of its real estate plans. For detailed plan pricing and additional coverage options, homeowners should call 1-800-862-6837.

Our Expert Janet Says

A home seller plan offers important protection when a home is listed until after the sale is completed. Home listings with home warranties can be more attractive to potential buyers.

Optional coverage available for homeowners includes: kitchen refrigerator, washer/dryer, air conditioning, pool and spa equipment, limited septic leak, and roof leak repair.

COVERED Standard Plan Comprehensive Plan Enhanced Plan (only for buyers) Enhanced Plus Plan (only for buyers)
Plumbing system  
Plumbing stoppages  
Toilets    
Sump pump (permanently installed)  
Built-in whirlpool bath  
Electrical system/doorbell/smoke and carbon monoxide detectors  
Telephone wiring    
Central vacuum system  
Garage door opener  
Ceiling/whole house/exhaust/attic fans (built-in)  
Kitchen appliances    
Pest control  
Re-key  
Air conditioning/evaporative cooler  
Pool/spa equipment  
Ornamental fountain motor/pump  
Clothes washer/dryer  
Kitchen refrigerator  
Additional refrigeration coverage  
Appliance limited upgrade  
Water softener/reverse osmosis water filtration system  
Well pump  
Septic tank system/septic tank pumping/sewage ejector pump  
Additional inaccessible/concrete encased and external pipe leak coverage  
Limited roof leak repair  
Home improvement installation  
Outdoor kitchen option  
Smart home option  
Pre-season HVAC tune-up  
Water heater expansion tank      
Radiant/hot water/steam heat      
Stoppages due to roots      
Code violation/modification      
Cost for labor on manufacturer’s warranty      

Real Estate Plans

Fidelity National Home Warranty offers home seller and home buyer plans. A home seller plan offers important protection when a home is listed until after the sale is completed. Home listings with home warranties can be more attractive to potential buyers. Seller’s plans begin upon issuance of a confirmation number and continue for 180 days, until the close of the sale, or until termination of the listing, whichever comes first.

A home buyer plan protects your budget against unexpected repairs for damage due to normal wear and tear for major home systems and appliances. The ongoing protection can give you peace of mind. Buyer’s coverage begins upon the home closing and continues for 12 months until renewal. 

Enhanced Plan and Enhanced Plus Plan are not available for home sellers. All plans come with a $75 trade service call fee.

COVERED Standard Plan Comprehensive Plan Enhanced Plan (only for buyers) Enhanced Plus Plan (only for buyers)
Plumbing system  
Plumbing stoppages  
Toilets    
Sump pump (permanently installed)  
Built-in whirlpool bath  
Electrical system/doorbell/smoke and carbon monoxide detectors  
Telephone wiring    
Central vacuum system  
Garage door opener  
Ceiling/whole house/exhaust/attic fans (built-in)  
Kitchen appliances    
Pest control  
Re-key  
Air conditioning/evaporative cooler  
Pool/spa equipment  
Ornamental fountain motor/pump  
Clothes washer/dryer  
Kitchen refrigerator  
Additional refrigeration coverage  
Appliance limited upgrade  
Water softener/reverse osmosis water filtration system  
Well pump  
Septic tank system/septic tank pumping/sewage ejector pump  
Additional inaccessible/concrete encased and external pipe leak coverage  
Limited roof leak repair  
Home improvement installation  
Outdoor kitchen option  
Smart home option  
Pre-season HVAC tune-up  
Water heater expansion tank      
Radiant/hot water/steam heat      
Stoppages due to roots      
Code violation/modification      
Cost for labor on manufacturer’s warranty      

Real Estate Plan Pricing

A real estate plan offers protection for homebuyers against unexpected repair costs and offers protection to home sellers against defects found after the buyer purchases a home. We obtained sample pricing for real estate plans for homes under 5,000 square feet throughout the U.S. For pricing on homes over 5,000 square feet and/or multi-units call 1-800-862-6837 and speak with a company representative. Pricing is per year. Not all plans are available in every state.

State Standard Plan Comprehensive Plan Enhanced Plan (only for buyers) Enhanced Plus Plan (only for buyers)
California $300 $430 $520 $630
Arizona $335 $425 $495 N/A
Florida $365 $420 N/A N/A
Missouri $365 $420 N/A N/A
Idaho $280 $420 $520 $590

Homeowner plans are the same as real estate agent plans.

Exclusions 

Exclusions were obtained from a downloadable sample contract.

  • Plumbing system: Shower heads, shower arms, shower towers/shower panels, multi-head and multi-valve shower system, fixtures, faucets, Roman tub valves and faucets, bathtubs, sinks, shower enclosures and base pans, caulking and grouting, filters, hose bibs, sewage ejector pumps, toilet seats and lids, septic tanks, water softeners, flow restrictions in freshwater lines, saunas, steam rooms, bidets, whirlpool bathtub jet plumbing, indoor or outdoor sprinkler systems, booster pumps conditions of electrolysis.
  • Plumbing stoppages: Stoppages and/or collapse of water, drain, or gas lines caused by roots or foreign objects; access to drain, sewer, or main lines from vent or removal of a toilet; costs to locate, access, or install ground level or drain line cleanouts.
  • Water heater (gas or electric): Solar units and/or components, holding tanks, flues and vents, noise without a related malfunction.
  • Heating system: Solar heating systems, geothermal systems, glycol systems, portable and freestanding units, humidifiers, dehumidifiers, and electronic air cleaners, fuel and water storage tanks, registers and grills, filters, heat lamps, fireplaces, wood, pellet, or gas stoves (even if only source of heating), chimneys, flues, vents, fireplace inserts and key valves, cable heat, clocks, timers, outside or underground piping and components for geothermal and/or water source heat pumps, well pump and well pump components for geothermal and/or water source heat pumps, inaccessible refrigerant and condensate drain lines, general maintenance and cleaning, improper use of metering devices, systems with improperly matched condensing unit and evaporator coil per manufacturer’s specifications, zone control and related components for forced air systems, refrigerant recapture/recover/disposal.
  • Ductwork: Registers, grills, dampers, insulation, improperly sized ductwork and/or intake (return vents), collapsed or crushed ductwork, ductwork where asbestos is present, ductwork damaged by moisture, costs for inspections, diagnostic testing, verification, and permits as required by any federal state, or local law, regulation, or ordinance, zone control and related components or forced air systems.
  • Electrical system/doorbell/smoke and carbon monoxide detectors: Fixtures, alarms/intercoms and circuits, inadequate wiring capacity, power failure or surge, low voltage wiring, direct current wiring or components, lights, Wi-Fi enabled components such as but not limited to doorbells..
  • Telephone wiring: Telephone jacks, plugs, lights, transformers and other power units, cover plates, telephone units, answering devices, alarms/intercoms and circuits, telephone fuses, wiring which is the property of a telephone company, audio/video/computer or other cables.
  • Central vacuum system: Removable hoses, accessories, clogged pipes.
  • Garage door opener: Garage doors, hinges, springs, cables, rollers, guides, remote transmitters, keypads, Wi-Fi enabled garage door openers.
  • Ceiling/whole house/exhaust/attic fans (built-in): Light kits and remote transmitters.
  • Kitchen appliances: Racks, rollers, baskets, handles, dials, knobs, shelves, clocks (unless it affects the operation of the range/oven/cooktop), meat probe assemblies, light kits, indoor barbeque, rotisseries, interior lining, microwave door glass, trim kits, mounting hardware, portable or countertop units, removable accessories including buckets, lock, and key assemblies, any failures that do not contribute to the appliance’s primary function.
  • Pest Control: Termites, fungus, wood-boring beetles, rats, any pests not specifically listed above as covered.
  • Re-key: Sliding doors, garage door openers, replacement of deadbolts, knobs or associated hardware, broken or damaged locks, padlocks, gate locks/window locks, file cabinet locks, safe, desk, mailbox locks, master keys, high-security locks, shed locks, or any other services provided by the locksmith.
  • Air conditioning/evaporative cooler option: Humidifiers, dehumidifiers, and electronic air cleaners, inaccessible refrigerant and condensate drain lines, filters, registers and grills, cooler pads, window units, condenser housing, gas or propane air conditioners, water towers, chillers, general maintenance and cleaning, improper use of metering devices, systems with improperly matched condensing unit and evaporator coil per manufacturer’s specifications, zone control and related components of forced air systems, refrigerant recapture, recovery, and disposal, Wi-Fi enabled thermostat, use of cranes or other lifting equipment to repair or replace units/system components.
  • Pool/spa equipment: Lights, liner, solar-related equipment, heat pumps, underground water, gas, and electrical lines, control dials, skimmers, chlorinator, ozonator, disposable filtration mediums, ornamental fountain motor and pump, waterfalls and their pumping systems, structural and cosmetic defects, cost of access to make repairs or replacements, inaccessible portion of the spa jets, pop-up heads, turbo or motorized valves, electronic/computerized controls and control panels, pool sweeps and related cleaning equipment, salt, overflow/negative edge/infinity pool motor and pump, swim jet/resistance pool and respective equipment, damage or failure as a result of chemical imbalance.
  • Ornamental fountain motor/pump: Water piping, electrical lines or controls, filters, filter media and cartridges, damage or failure as a result of chemical imbalance.
  • Clothes washer and dryer: Trim kits, stacking, connecting, or mounting hardware, all-in-one wash/dry units, knobs, dials, touchpads, plastic mini tubs, lint screens, venting, dispensers, damage to clothing.
  • Kitchen refrigerator/additional refrigeration: Any removable/non-removable component that does not affect the primary function, lights, shelves, handles, ice crushers, filters, internal thermal shells, insulation, food spoilage, multimedia centers, wine chillers, wine vaults, Wi-Fi enabled components.
  • Water softener/reverse osmosis water filtration system: Leased or rented units, any and all treatment, purification, or odor control, iron filtration components and systems, discharge dry wells, resin bed replacement, salt, replacement of filters, water filters, pre-filters, filter components, replacement membranes, water purification systems, RO filtration system for pool/spa.
  • Well pump: Control boxes, holding or storage tanks, pressure tanks, booster pumps, access to remove and/or repair well pump system, all piping and electrical lines, well casing, re-drilling wells, damage due to low water tables.
  • Septic tank system/septic tank pumping/sewage ejector pump option: Collapsed or broken waste lines outside the foundation except the line from house to tank, stoppages or roots that prevent the effective use of an externally applied sewer cable, the cost of finding or gaining access to the septic tank, the cost of sewer hook-ups, disposal of waste, chemical treatment of the septic tank and/or waste lines, tile fields and leach beds, leach lines, cesspools, seepage pits, lateral lines, insufficient capacity, cleanouts, basins, and any costs associated with locating or gaining access to, or closing access from, the sewage ejector pump.
  • Additional inaccessible/concrete encased and external pipe leak coverage: Faucets, indoor or outdoor sprinkler or irrigation systems, swimming pool, spa or fountain piping, downspouts, landscape drain lines, stoppages and/or collapse of water, drain, or gas lines caused by roots or foreign objects, access to drain, sewer, or main lines from vent or removal of a toilet, costs to locate, access, or install ground level or drain line cleanouts.
  • Limited roof leak repair: Cracked or missing tiles, shakes, or shingles, foam roofs, any other material not specifically mentioned as covered, structural leaks or leaks at, adjacent to, or caused by appendages or any kind including gutters, downspouts, flashing, patio covers, skylights, decks, solar equipment, vents, heating or cooling equipment, antennae, balconies, or chimneys, built-up roofs, damage caused by persons walking or standing on roof, failure due to lack of normal or preventative maintenance. 
  • Home improvement installation: Item being installed or replacement item, used or refurbished items/parts, labor on subsequent trips to install a single item, labor to install multiple items, access or modifications made necessary for installation, subsequent repairs under the warranty that are caused by a manufacturer’s defect.
  • Outdoor kitchen: Cooktop, barbeque equipment or the like, pizza ovens, dishwashers, misters, entertainment systems, outdoor light fixtures, landscape lighting, access.
  • Stoppages due to roots: Repairs or replacement of collapsed or broken lines located outside the main foundation, excavation.
  • Code violation/modification: Restoration of wall, ceiling, or floor coverings, cabinets, countertops, tile, paint or the like, removal/installation of non-related systems, appliances, or equipment in order to render a covered repair or replacement.

Payout Caps

Fidelity National has several payout caps. Caps are per contract term unless otherwise noted. Payout caps are competitive, especially the $5,000 refrigerator cap.

Buyer's Coverage and Options Limits

  • Concrete-encased or inaccessible plumbing lines: $1,000
  • Water Heater/heating combination unit, hot water or steam circulating heating system: $1,500
  • Ductwork: $1,000
  • Salt Water Pool/Spa Equipment Option: $1,500
  • Kitchen Refrigerator Option: $5,000
  • Appliance Limit Upgrade Option/Additional $5,000 added: $10,000
  • Additional Refrigeration Coverage Option (up to 4 units): $1,000
  • Clothes Washer and Dryer Option: $5,000
  • Water Softener/Reverse Osmosis Water Filtration System Option: $500
  • Well Pump Option: $1,500
  • Septic Tank System/Septic Tank Pumping Option: $500
  • Sewage Ejector Pump Option: $500
  • Limited Roof Leak Repair Option: $1,000
  • Ornamental Fountain Option: $500
  • Additional Encased: $1,000
  •  Pipe Leak Option: $2,000
  • Smart Home Option: $5,000

Under the Comprehensive Option Upgrade

  • Code Violations: $250
  • Permits (per occurrence): $250

Seller's Coverage Option Limits

  • (Access, Diagnosis, Repair or Replacement Limits during the Seller's Coverage Period) Heating and/or Air Conditioning System/Evaporative Cooler And Ductwork: $1,500

Repair Time

Upon receiving a service call, the company will contact a repair technician within three hours during normal business hours and within 48 hours on holidays and weekends. Any repairs needed when your home is uninhabitable will be expedited. You should not try to do the repair work yourself or use your own contractor as you will not be reimbursed for the cost.

Don’t try to complete work yourself, because Fidelity won’t reimburse you.

Customer Service/Claims

You can request service 24/7 by calling 1-800-308-1420 or online. If you have questions about a home warranty, contact Fidelity National by calling 1-800-862-6837 or by using the online contact us form. 

Our Expert Janet Says

There are many negative customer reviews on the company’s BBB profile page, which is concerning.

BBB Rating

Fidelity National Home Warranty has an “A+” rating with the BBB and has been an accredited business since 2005. The company has a 1-out-of-5 star customer rating based on over 250 reviews. There are 606 complaints with the majority of complaints being under the category of “problem with a product or service.” Common complaints include denied claims and delays in repairs being performed.

The Competition: Fidelity National Home Warranty vs. Landmark Home Warranty

We compared the home warranty plans of Fidelity National Home Warranty and Landmark Home Warranty and found the advantage goes to Landmark Home Warranty. Even though Fidelity has a broader coverage territory and better realtor plan pricing, homeowner info and pricing were missing from its website and the customer rating of 1-out-of-5 stars with the BBB was concerning.

Criteria Fidelity National Home Warranty Landmark Home Warranty
Number of Homeowner Plans 4 2
Number of Real Estate Plans 4 4
Coverage Territory 13 states 6 states
Pricing Must call for pricing Realtor plans $280 to $630 per year Homeowner plans $500 to $700 per year Realtor plans $375 to $525 per year
Workmanship Guarantee 30 days on labor 90 days on parts 30 days on labor
BBB Rating A+ A
Final Verdict

Fidelity National Home Warranty is geared toward buyer and seller coverage and offers four comprehensive realtor plans with competitive payout caps. The company offers a 90-day warranty on parts which is uncommon among home warranty companies. The homeowner info is missing from the website but we called and spoke with a company representative and were told the homeowner plan coverage mirrors that of the real estate plans. For detailed homeowner plan pricing, homeowners must call the company at 1-800-862-6837.

There are many negative customer reviews on the company’s BBB profile page, which is concerning. If you are buying or selling a home and live within Fidelity’s coverage area, its realtor plans offer comprehensive guaranteed coverage for home systems and appliances that are worth considering. The pricing is higher than some, but you are getting more coverage for your money.

Methodology