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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Susan S
Sonora, Texas
We have been without air conditioning in the August heat in Arizona for 9 days with no relief in sight due to Fidelity's foot dragging. I'm sure that eventually we will have AC again but the waiting is uncomfortable, to say the least.

Granbury, Texas
We got these guys per a home closing on7/7, had a/c issues on 7/8 with our father in law house, which are dtill not fixed, lots of money out of our pockets, and then on 7/16 the a/c went out at the main house, and we are still waiting for a repair tech. I've called multiple times for help & ignored. It's hot in North Texas & its been weeks still waiting. Unacceptable behavior for a professional company! My 74 year old Mom & my 2yr old & 3 yr old grandsons are here with us, too. We are huddled up in the living room, with doorways blocked off to use a small window unit to keep a little cool.

Anastasia K
Las Vegas, Nevada
I would never recommend this home warranty to anyone! Avoid them. I'm spending all my time on a phone, waiting from 1 to 2 hours on a line to get an update on my order. More then a week already!!! The way how they treat there customers is terrible! They never answer on emails. And web site will constantly giving you errors! Avoid them!!! Even if your appliances are broken you need to fight to get them repaired! Have been there customer for 3 years! I know what I'm talking about. Will change my home warranty.

Stafford, Texas
The WORST warranty you could possibly find. My AC is not working for a week and they could not find anybody to come out here to fix it. The third party contractor they arranged scheduled to come and check my AC 4 days after I created the request but they never even showed up. When I called the FNHW, they told me to find an outside contractor who could come and fix it. I did what they told me but now they are telling me to pay either $1600 out of pocket or wait another week for them to find someone who "may" come here to fix it. This is totally unacceptable. I have been waiting here in Texas weather with no AC trying to get a service from them.

Dick M
Santa Barbara, California
Useless!!! Repeat Fidelity is a scam. A 30-minute delay to speak to someone who is not competent. They have raised the per call charge from $65 to $75. No way to email directly or chat. They threaten to call back if you sendf them a message thru "contact us" but never do so.

Irena P
Studio City, California
I placed a service call for garage door - the springs and the pull-wire broke and needed replacement. Only mechanical parts. All electrical parts were good and fully functional including the motor, keypads, opener button and remote clickers, all by brand genie. The technician from cosco garage door sw came and said he would fix it no problem. When he came back with the parts and finished the job - I was devastated. All electrical parts were replaced by new system called genesis, he advised me that he did me a favor replacing the motor and this new motor is far superior to genie. But not compatible with any other systems, including universal openers, etc... He charged me $90 extra for wall... Read More

Phoenix, Arizona
They don't deserve half star. I have waiting for nine days to fix my AC in Phoenix with temperature approaching 118 and I am still getting the same message (waiting to get pricing from the vendor) ! They are horrible. Reached the manager and they are not helping either. I had the worst experience and definitely I am not renewing The contract with this company !

Doug S
Yuma, Arizona
This company is the WORST and operate as virtual scam artists. Our AC quit and when we requested a repair were told that their "authorized" contractor would take 5 days before they could come out. It was 110 F out and already over 80 F inside the house. They said we could get outside 3rd party contractors as long as the assessment was less than $100 for the first hour. When we got a contractor on site they only approved 2/3 of the quote because, "We don't pay retail" prices for parts. I asked how much they paid for the parts that the contractor quoted but they had no price list, no previous quotes, nothing. They just arbitrarily pulled a number out of the air and said that was all they... Read More

Joe D
Los Alamitos, California
They hired a horrible mom and pop repair company to fix my AC. They offered a cash out option but it didnt cover the costs of the quotes I received from other AC companies, by in most cases $3000. When I asked to speak with a manager, a person named Monica answered, turns out she isnt a manager. She was rude, ignorant, and constantly spoke over the top of me. I will no longer be their customer in July when my contract come up for renew. I highly recommend going some where else, these guys just dont care.

Jessica M
Nocona, Texas
To start off I can honestly say Iwould not give this company even 1/2 a star!!! Their business practices are unethical. I recently purchased a new home, and had an inspection of the property done of which the air conditioning unit was working. After turning it on on Friday, the AC was not blowing cool air, mind you the heat index was 107 that day here in Texas. So I contacted Fidelity National Home Warrant of which was purchased during the purchase of the home. They told me they would put a rush on the service order and would have someone come to the house that evening or the next day, Saturday being that I have small children in the home. After sweating it out and not hearing from... Read More

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