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About Fidelity National Home Warranty
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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
Pros
- Low costs
- Online resources
- No age limits on covered items
Cons
- 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?
Does Fidelity National Home Warranty cover mold?
How long does my coverage last from Fidelity National Home Warranty?
Does my plan with Fidelity National Home Warranty auto-renew?
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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Reviewed Oct. 7, 2023
Fidelity National Home Warranty is a SCAM. They charge $85 and plumber comes. He says, "You don't have a cleanout," so he charges me $500 to install one, then tries to clear blockage. Can't clear blockage and says, "You need a hydro jet." Fidelity National Home Warranty denies claim saying that "you didn't have a cleanout the moment the plumber walked in and you had to pay to have him install it. So now pay another $85 so we send someone with the right tools to clear the plumbing blockage." Same problem, never fixed, but they want you to pay multiple times to fix the same problem.
Another claim, pay $85 for an electrician to come fix a GFCI. It's outside the house so not covered. The electrician will fix it for $80. So I pay $85 to find out that an $80 job is not covered. Another DENIAL. You will pay more in service fees than you would just paying someone to fix the problem without a home warranty. And you'll wait around for their denials until you get fed up and pay for the job outside of the home warranty when it would be faster and cheaper to just get it done without Fidelity.
Reviewed Oct. 5, 2023
I want to share my miserable experience with this company. I wish I can give ZERO star to this company. Handled by amateurs. Customer service is terrible. Charged me again for service which was covered under warranty and still did not fix my problem. Do some favor and never buy insurance from this company.
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Reviewed Sept. 26, 2023
If I could give less than 1 star I would. Moved into this house less than 3 years ago with new appliances. Had a problem with the washer and it took MONTHS for them to repair it. Now a problem with cooktop and they won't cover it. One of the burners isn't working correctly, there is no way to tell if the burner is on or off. They insisted it was the knob and wouldn't listen when I told them switching that knob with the knob of another burner didn't make any difference. (I had already had Samsung out to check it and they said it was a board and that a new knob would make no difference.) Fidelity would not listen.
I contacted another home warranty service to get prices and, using the cooktop as an example, asked if they would cover an issue like this. I was put on hold for a couple of minutes and the answer was yes, it would be covered. If you're looking for a home warranty company do some research. There are companies out there are better and cost less. There's absolutely nothing good I can say about Fidelity.
Reviewed Sept. 16, 2023
I had a pipe break in a wall. They sent a plumber out who walked in with an attitude and I showed him the wall where the pipe was leaking and he said he was a plumber not a demo guy. He refused to cut a hole in the drywall to fix the pipe. He said I have to call someone else out to cut the drywall then he will fix the pipe because Fidelity doesn't pay him to cut the wall.
When I called Fidelity the customer service read me the plumber's report where he totally lied. Fidelity refused to send someone out to fix the pipe and refused to pay me to get it fixed by someone else. I wasted $85 deductible that fidelity collected from me for the repair. I was forced to call someone on my own and in 30 mins they located the leak, cut the wall and fixed the pipe and my water was back on. Fidelity is a joke, every claim is a fight, they send out C rated contractors, I regret getting them as my home warranty and urge everyone to read the Yelp and Google reviews and stay away from this home warranty company. Every claim is a fight to get repairs done.
Reviewed Sept. 6, 2023
This home warranty company has been nothing but a hassle. There is no direct way to talk to anyone. We had an issue last year with our AC, it took months for them to get it fixed. And it broke within a year because the job wasn't complete the last time. Then, we had to do it all over again. They initially denied our claim after taking three weeks to process. We finally were able to talk to someone who could help, and then she tried to get us to pay for it when it was under warranty. It was so hot, we ended up just paying out of pocket.
Now, it is still having issues and the woman who was helping us is refusing to answer emails or return calls. It is unprofessional, disrespectful and they will try to find any wiggle room to get out of paying for a product. The phone system they have makes it impossible to talk to someone who can actually help. At one point they tried to tell me it was denied and I asked to speak to a supervisor, and the woman said "I have no supervisor". This whole experience has been so traumatizing to deal with.
All of our issues with our AC has stemmed from an incomplete job the initial time around. This unit has caused us nothing but issues. We had an independent AC company come out and say that the brand they installed was not a great unit! The contractor they initially sent out wasn't very helpful, didn't inform us we needed to set up a city inspection and now we have no idea what we are supposed to do. I wouldn't recommend this company to anyone.
Reviewed Aug. 26, 2023
The customer service representatives barely speak English and communication is quite difficult. They dispatched a plumber for a septic tank alarm. The plumber they dispatched did no work on septic tanks. We found a local plumber that did and was able to come out immediately. He repaired the issue. We cancelled the request with FNHW. I sent them via email my check and a copy of the invoice, which they have declined to reimburse us for. Customer Service is absolutely horrible.
Reviewed Aug. 16, 2023
I've been with this company several years and this year the prices went up, I understand but, I was out of ac for 11 days. I called them many times to confirm appointments. I get it they're busy but make me wait a. 12 days for a diagnose... c'mon. I ended up paying for my own company. Then my garage door broke down. Called them again and the answer is "we only cover garage remote opener" ... remote price is 45 (cheapest) and they charge you 85 for service... I hope you read this before buying this home warranty...
Reviewed Aug. 16, 2023
We've used Fidelity for years to cover our home warranty needs. This year, however, the price went up...not "a little because of inflation" up...but by over $500. We went back through our records and noticed that two things happened. First, they dropped their pool/spa vendor and notified zero customers (but continued to charge for it). Secondly, they added coverages to our pre-existing policy without our consent - things like an RO system, a well pump, a central vacuum and a washer/dryer (which we have covered by other means)...Our home doesn't even have an RO, a well, or a central vacuum! So imagine our surprise when we contacted them to discuss the matter, and they basically said "oh well, you've paid for the year, just cancel and get a refund". So we did...we canceled in June, and after 43 (YES 43 email exchanges) we finally got a partial refund for less than 1/2 of what we paid.
We asked for the full 6 month refund, but the emails ceased from their end, and so here we are.... No one will explain why they add coverages to your policy without consent. No one will give you straight answers about your bill. No one will help you find a vendor when theirs leaves Fidelity. No one will give you a full refund. No one acts like they care...and this is after we've called, emailed, called again, and finally reached out to every representative in the state of Texas for answers. Lesson learned!! They'll never get our business or the business of our friends and family again. Absolutely unacceptable how we were treated.
Reviewed Aug. 8, 2023
I have 2 home warranties with this company. Over the last year their service has declined to the point of null and void. The providers that they send to your home DO NOT SHOW UP. They DO NOT respond to your calls or follow up. I have been chasing 1 particular item for almost 2 weeks and to no avail. WILL NOT BE RENEWING. ****BUYER BEWARE***.
Reviewed July 26, 2023
I have been with FNHW for 13 years. They used to be good a good company but not anymore! They hire the worst of the worst companies. The technicians, do NOT know what they are doing! If you want to second opinion, guess what? That comes out of your own pocket and you don't get reimbursed. FNHW used to hire reputable companies to take care of your home warranty issues but not anymore! The companies they hire now, show up in their personal cars with no equipment to fix anything! I'm not surprised that this company has 1 star. Maybe they're trying to lose customers and go out of business because, that's where you're headed.
Fidelity National Home Warranty Company Information
- Company Name:
- Fidelity National Home Warranty
- Website:
- www.homewarranty.com
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