Fidelity National Home Warranty Review

Rating: 7.1 / 10 (Very good)
38 Customer Comments & Reviews - see all comments
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Fidelity National Home Warranties is a California-based company with over 25 years of experience in the industry. The company offers a convenient automated repair tracking system and consistent customer support through a team of highly trained local service providers and sales agents. Fidelity National Home Warranties holds a Better Business Bureau rating of A+.

How is Fidelity National rated?


Contract & Price
Claims & Service

Overall Rating: 7.1 / 10 (Very good)

Fidelity National's prices are inline with industry standards, though their service fees are slightly higher, and its guaranteed response time is a bit longer than that of other companies. We feel the need to mention that Fidelity National has been the target of a state insurance regulatory action and a class action suit, requiring that customers give up their right to a jury trial in any legal dispute.


Key Facts

Plan Types
Combo Plan
Benefit Limit Type
Per Item
Per Term
Typical Systems Benefit Limit

Coverage - 6 / 10

Fidelity National covers many of the usual systems and appliances, as well as a few specialty items. However, coverage for refrigerators, washers/dryers, air conditioning units, pool and spa equipment and septic tank leaks and roof leaks are not part of the standard coverage, but must be purchased separately when the contract is signed. Unlike some other home warranty companies, the company does not cover system or appliance failures due to lack of maintenance.

What does Fidelity National cover?

Covered Systems

  • Air Conditioning
  • Heating
  • Electrical
  • Plumbing
  • Water Heaters
  • Instant Hot/Cold Water Dispensers
  • Central Vacuums
  • Smoke Detectors
  • Doorbells
  • Ceiling Fans
  • Ductwork
  • Sump Pumps
  • Telephone Wiring

Covered Appliances

  • Refrigerators
  • Dishwashers
  • Clothes Dryers
  • Clothes Washers
  • Ranges/Ovens/Cooktops
  • Built-in Microwave
  • Free-standing Ice Makers
  • Trash Compactors
  • Garage Door Openers
  • Garbage Disposal
  • Stand Alone Freezer
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For a full list of Fidelity National exclusions, check out this page.

Specialty Items

  • Pool/Spa
  • Well Pump
  • Septic
  • Roof Leaks

Contract & Price

Contract Details

Annual Premium
Starting at $350
Minimum Contract Length
12 month(s)
Home Inspection Required for Contract?
Online Quote/Application

Contract & Price - 6 / 10

Fidelity National's minimum annual premium is $350, but add-ons for common coverages can raise this number considerably. The contract is non-cancellable

Sample Contract

Fidelity National provides a sample contract for potential customers on its website: Fidelity National Sample Contract

Cancellation Policy

The contract is non-cancelable, except for non-payment of contract fees, fraud or misrepresentation of facts by the customer, or when the contract is for Seller's Coverage and close of sale does not occur. If the contract is canceled, the customer is entitled to a prorated refund of the paid contract fee for the unexpired term, minus an administrative fee and any service cost incurred by the FNHW. A 10% penalty per month will be added to the refunded purchase price when not paid within 30 days of the date the contract was returned to FNHW. The contract holder may cancel the contract after the initial 20 days and will be entitled to a prorated refund of the contract fee less a $50.00 administration fee and any service cost incurred by FNHW. Cancellation requests must be submitted in writing.

Claims & Service


Waiting Period
30 days

Contractors & Service

Contractor Selection
Any Contractor
Service Recall Period
30 days

Claims & Service - 7 / 10

Upon receipt of a warranty claim, the company pledges to contact a qualified subcontractor within three business hours and within 48 hours on weekends or holidays. Customers must pay a diagnostic fee of $65 on each claim, which must be paid even if the claim is subsequently denied.

Fidelity National Reputation

Company Details

Year Founded
NHSCA Membership
Number of Employees
TrustPilot Rating
6.1 out of 10
BBB Rating
BBB Rating
BBB Neutral Reviews
BBB Negative Reviews
Date Collected

Reputation - 9 / 10

Fidelity National is accredited by the BBB and has an A+ rating. It has four positive reviews and 112 negative ones and 549 customer complaints. However it is not unusual in this industry for companies to have numerous negative customer reviews and complaints. The company has no presence on Trust Pilot. In 2012, the company settled a claim against it by the Insurance Commissioner of California which alleged that the company had unlawfully paid rebates and offered inducements to real estate brokers. The company agreed to cease and desist from the allegedly unlawful practices and paid a settlement of $1.25 million and attorneys fees of $175,000, but admitted no wrongdoing. In 2008, a class action suit was brought in California against Fidelity National which alleged false advertising and insurance bad faith. The case resulted in four separate appeals and was eventually refiled.

Contact & Additional Information

Homepage URL
Company Phone
(800) 862-6837
Headquarters Address
1850 Gateway Blvd, Suite 400, Concord, CA, 94520
Year Founded

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38 Customer Comments & Reviews

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Anaheim, California
Problems with Fidelity? Call your states DEPARTMENT OF INSURANCE and file a complaint towards Fidelity, its the only way to get Fidelity to honor the warranty agreement. For CA its Fidelity denied my claim for a new AC unit and offered me $1200 cash out instead. I filed a complaint with the California Department of Insurance. two weeks later Fidelity said they will replace my AC but I have to pay out of pocket upwards of $2000. I agreed to that cost but Fidelity kept dragging it on saying that i haven't agreed to their terms... After 7 months of going back and forth I notified the California Department of Insurance again, 2 months later i finally got my new AC... Read More

El Cajon, California
Ist call was regarding my ac. It just stopped blowing cold air. The tech said that the system was old and needed to be replaced. It had meet its life expentacy. FNHW said the claim was declined because it needed to be cleaned. So I hired someone to come clean the unit. That guys said it also needed to be replaced that cleaning wasn't the issue but cleaned it anyways. So then I call back and schedule them to come back out because it is still not working after being cleaned. Paid another service fee and this time told by a new tech that the unit needs to be replaced. FNHW said the claim was declined because I have abestos wrapped ducts. Ok why wasn't I told this in the beginining and $130.00... Read More

Santa Clara, California
Worst service ever. Our AC broke summer June of 2017 and they still haven't fixed it in Jan 2018. Summer is gone and so is winter and in spite of repeated calls, there has been no action from Fidelity. Total sink of money. Not sure how I can recover my lost money .

Doug M
San Antonio, Texas
Very rude folks to deal with. My last year. Used to be better company.... life too short to deal with people like this.

Palm Desert, California
I have used Fidelity National for 17 years but this is the last year. Their service is getting worse and the repair companies they hire are slow and don't have the expertise they should have. We have been without a refrigerator for almost two weeks. The technician came 5 days after I submitted a claim, but didn't even order the needed part for an additional 5 days. It takes 4 days for the part to be shipped and they can't make an appointment to install it until the part arrives. Because we have a renter coming in a couple of days, I had to purchase a new refrigerator on my own. Their customers shouldn't have to wait that long for a simple repair.

Andy J
Calabasas, California
Reported covered refrigerator not working on May 16, 2017. After 3 Fidelity chosen repair services, with 11 visits (each with 4 hour window); and 3 months passing, still no working refrigerator. Unreasonable expectation on their part to expect customer to be without a working refrigerator for so long a period of time. We ended up buying new unit, as they were not willing to consider replacement, and wanted to keep sending different service people. Have reported to Dept of Insurance for investigation. Small stuff they are "OK"-not great. Larger cost items, I think they try to stonewall the customer.

Peter P
Tustin, California
Air conditioning stopped cooling and their contractor said "the only solution was to replace it".It was too old to be repaired. Fidelity said that it had not "failed".So now I have no air conditioning -and I am a loyal, long time customer of Fidelity. They were of no use when I needed them. JUST TERRIBLE!!

Joonhyuk C
Placentia, California
Everyone.. think twice before you choose this company. I had Fidelity home warranty service on my dishwasher. They sent a technician who replaced a part. When he was gone, the soap dispenser began only working intermittently. I called Fidelity again to inquire about the issue. They sent the same guy who said found no mechanical failure. But, the issue persisted when he left. I called again and Fidelity sent another tech who refused to try the dishwasher with soap in it to prove that it doesn't work. To shorten the story, I got inappropriately charged again for the service call fee which is $75. Here are the problems I have with Fidelity: 1. No one informed me that there would be the... Read More

Canoga Park, California
I live in one of the hottest cities in America. My air conditioner broke one week ago and I have been literally begging for service ever since. To no avail. This weekend will be 115degrees with high humidity and fidelity could not care less. Don't use them!

Mitchell H
Mission Viejo, California
I have been using them for a couple of years but this is the last time I had a water faucet break and called Fidelity immediately and they had some one over the following day. Since I just redid my kitchen, I bought a mid level faucet on my own, The repairman wanted $150(which is probably his regular fee to customers) to install and $65 for the service fee. I gave it to him reluctantly. He stated that Fidelity will reimburse me for most of my costs quoting $250. I get a call from Fidelity and they offered me $125 in the form of a debit card. I figure it is better than nothing To make matters worse, I get a bill from them saying I only paid s $55 fee I have called them and they just... Read More

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9.7 / 10
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