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Fidelity National Home Warranty Review


ConsumersAdvocate.org Rating: 2 / 5 (Poor)
144 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?

Breakdown

0.0/5
Transparency
3.5/5
Claims Processing
3.0/5
Coverage Options
0.0/5
Additional Benefits
3.5/5
Customer Experience

Overall Rating: 2 / 5 (Poor)

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.

Coverage

Key Facts

Plan Types
Combo Plan
Benefit Limit Type
Per Item
Per Term
Typical Systems Benefit Limit
$1,000

Coverage Options - 3 / 5

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 Built-In Systems

  • Air Conditioning
  • Heating
  • Electrical
  • Plumbing
  • Water Heater
  • Instant Hot/Cold Water Dispenser
  • Central Vacuums
  • Smoke Detectors
  • Doorbells
  • Ceiling Fans
  • Ductwork
  • Sump Pump
  • Telephone Wiring

Covered Appliances

  • Refrigerators
  • Dishwashers
  • Clothes Dryers
  • Clothes Washers
  • Ranges/Ovens/Cooktops
  • Built-in Microwaves
  • Freestanding Ice Makers
  • Built-In Trash Compactors
  • Garage Door Openers
  • Garbage Disposal
  • Stand Alone Freezer
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Exclusions

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?
Yes
Online Quote/Application

Contract & Price - 3 / 5

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

Claims

Waiting Period
30 days

Contractors & Service

Contractor Selection
Any Contractor
Service Recall Period
30 days

Claims Processing - 3.5 / 5

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
1984
NHSCA Membership
Number of Employees
5001-10000
TrustPilot Rating
6.1 out of 5
BBB Rating
A+
BBB Positive Reviews
4
BBB Neutral Reviews
0
BBB Negative Reviews
97
Date Collected
2017-07-20

Reputation - 4.5 / 5

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
1984

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144 Customer Comments & Reviews

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Jon C
7/21/2021
Our family has not be able to use our plumbing (bathroom, kitchen sink/dishwasher, and washer) for five days now due to sewage backup into our home. There has been NO progress with FNHW despite five phone calls to the "resolution" department. The results from my three "advocates": three unfulfilled promises and two hangups, one after a 36 minute wait on hold and the last after a 40 minute wait on hold. Hoping for the best tomorrow preparing for the worst.


seattlepmd
7/21/2021
I would rate zero if I could. I have two issues; first my water heater is not producing hot water. Second, my tow toilets are backed up. Their website says call for emergencies. I have tried for the last day and a half to get in touch with their service and/or claim department without success to initiate a claim. Because I was unable to contact them, I initiated the claim online and paid the service fee with the understanding that I would be hearing from the plumber. I also paid another plumber for my drain to be snaked to unclog my toilets. I have phone records showing hours of trying to reach them and sitting on hold only to be connected to a dead line with silence. I... Read More


Betty B
7/12/2021
If I could rate zero stars I would. The contract clearly states reasonable effort would be made to expedite emergency requests. I believe AC not working in the middle of Phoenix AZ summer is an emergency. I had to call the company that I was referred to as they never reached out to contact me. Then I'm told that they will not be able to come out till the next day. How is that expedited?!? I recommend you spend a little more money and go with a different warranty company with better ratings. Unfortunately for me, this is the company my realtor recommended an worked into my purchase contract when I bought the house. I will definitely be switching when my contract ends this year.


bopar81
7/5/2021
I have coverage with Fidelity National Home Warranty (FNHW) since December 2018. Never had any issues with our home and never made a claim until our AC stopped working on June 2021. Made a claim online and paid $75 for FNHW to send contractor from Comfort Control Heating & Air (CCH&A), it took 1 week until CCH&A technician came over to check my AC, after the CCH&A tech came over and assess the AC, it took them another week to send the Diagnostic Report back to FNHW. Now as I'm writing this review, it has been 3 weeks our home with 2 children with HOT temperature without any assurance of the status of this claim. Made phone calls every day with at least 3 different outcomes from the... Read More


dal1muti
7/1/2021
Please do not go with Fidelity National Home Warranty. They will take your money, but will ignore you when you call in for services. You have to wait anywhere from 30 minutes to one hour to finally get to someone. Many times the person who answered the call will either just hang up or say they cannot hear you and then hang up. Even after you managed to get through to someone, the contractors they used are not good. I had a pipe leak, they only put a patch on it and call it done. They didn't even patch up the hole. After complaining, they said they will send me a check and told me to fix it on my own. I agreed, but did not receive the check. Please stay away home from this... Read More


wjrader
6/16/2021
Just might be the worst company in the country. I’ve yet to experience a competent customer service rep or resolution specialist. You will wait more than an hour to talk to a rep only to have them say I don’t have the tools to help you, let me transfer you to a resolution specialist. You plead please don’t Disconnect Me! Again the family that silence of a dropped call. If and when you are finally connected, promises of service will be made but never kept. Dates for parts will come and go only to find out later they can’t get the part but will never tell you. String you along, make you call, never answer then disconnect over and over. Also their bookkeeping is dishonest they’ll... Read More


M
millie
5/24/2021
No stars! Run away from FNHW. It is a scam designed to take the initial cost of the warranty plus the fees for each service call and do nothing at all after that. Just bought a house, AC broke, the contractor that came out said a cable needed to be replaced but told FNHW a different thing. FNHW denied the claim based on that. There is absolutely no way to get anyone from service on the phone (wait times go over 1½ hours and then you get disconnected). The sales department doesn't care either and if you try to cancel the contract, they will tell you that is not-cancellable. Sounds like a racket to me. I asked for the name of the CEO and the employee said "we do not know who that... Read More


alexis2kaiya
5/21/2021
THE WORST HOME WARRANTY COMPANY EVER! I am in Texas and have been without my air condition for going on 3 weeks. I have expressed numerous times to them that we only have 1 unit for my home, I am nearly 9 months pregnant, and I have a toddler who is asthmatic. I learned on yesterday, 05/21/21, that there was never any indication on my service request that this was an urgent matter! It has been over 80 degrees in my home for going on 3 weeks! Customer service is TERRIBLE. Emergency process TERRIBLE. Bypass this company, with the quickness, for your home warranty needs. I will NOT be renewing this year.


M
Mayank J
4/16/2021
FNHW is fraud company. Even if the vendor investigation recommends repair they will not approve it. They will 800 from you and give not service. This incident is as recent as in the year 2021.


Chris J
4/16/2021
Air Conditioner went out 3/9/21. A call was put in to Fidelity National Home Warranty company and "Right call Solutions" showed up on 3-16-21. Of course there was no solid time frame for the meeting of the tech. they called me the day of the appointment to let me know an approximate time of which they would be there??? (As if I have all day and an open schedule every day). The tech came out and stated the compressor was bad in the outside condenser, and that they would have to replace the compressor. I am still here on 4/2/21 (24 days later and still no scheduled date of repair). I was told that they order their compressors from some where else and it could be 5-7 days past the approval... Read More



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