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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M h
Houston, Texas
This company is terrible! The customer service is ridiculous! I called them for a broken ac and they said they would call back if they couldn't find a co. Oviously they are on crack because its over a 100 degrees here! I asked to speak to a supervisor and of course they weren't available. Do not use this company. Im stuck with them because they came with the house.

Joe B
Fort Worth, Texas
Absolutely terrible. I live in Texas and my a/c went out on Friday. I was originally told someone would be in contact within 24 hrs. Nothing. It is now Monday and I am being told no one can help me until Wednesday. It is 100 degrees out and I have kids in the house. Stay away from this company.

Sherry H
Tyler, Texas
Absolutely worthless! Literally NOT WORTH the paper it is printed on. I was forced to buy this insurance when I purchased my home last year as per title company/closing. I called the company on two separate occasions to inquire after reading my policy for two needed repairs inside my home. I am fairly certain the phone reps are trained to deny callers coverage over any inquiry. Maybe I should be thankful, as I called my local plumbers who were much more affordable and competent. I posted my frustration with Fidelity National Home Warranty on the companies Facebook page, I noticed it did not post. The page read as a robotic sounding too good to be true glowing reviews about... Read More

George M
San Mateo, California
USELESS!!! DON'T THROW AWAY YOUR MONEY! I had fidelity for almost 4 years and the quality of their service providers is just terrible. I had a couple of leaks in my house and Fidelity sent over several professionals that couldn't figure out the issue, also I had to pay a service fee for most of them. The first leak was a simple one behind my washer and dryer and they couldn't find it! I had to hire another company to do that. The second leak is still there. Fidelity sent County Plumbing (Stockton, CA) here twice and they couldn't figure out the reason, but they charged me twice for that.

Christopher A
Menlo Park, California
This policy was purchased by the seller of a home I purchased. My experience has been horrible. I've basically concluded that the only individuals or business that Fidelity uses to service the contracts are those that can't find work anywhere else. I've basically stopped using the service and I get referrals on local service providers. In particular, they sent a plumber to my home who was the most incompetent I've ever encountered. Even after complaining and presenting video evidence of the poor work, they continue to use this plumber. Fidelity seems apathetic in taking corrective action.

Alana M
Plano, Texas
Pay high premiums and recieved a poorly rated company with damaged equipment as a replacement. They told me we would get a "brand new pool heater free of charge" (that is an exact quote). Once they finally got around to installing the heater, I come to find out its a "refurbished" one, that is a total piece of junk. Twelve hours after they installed it (it took two days because they couldn't get it to work the first day), it broke again!! We've had to reschedule my daughter's party three times because of their incompetence and it's still not fix. DO NOT USE THEM!!

Houston, Texas
No zero rating available. Every service call I pay for, which is more than the companies normal service call price, leads me hiring another company to get the job done correctly so it is up to code. Waste of money. Customer service does not care. Tried to contact and get resolution. No call back...ever...

Cheryl D
Pittsburgh, Pennsylvania
DO NOT BUY. Wish I could give a them a ZERO. They take your money and do not pay out. My experience - we bought a comprehensive home warranty. The home was inspected with not callouts to Furnace and i expected never to file a claim. After 6 months our 7yr old Furnace when out and they refuse to pay for replacement or repair due to improper installation - dispute contract clearly stating Home Warranty covers improper installation. We have submitted a second opinion and they continue to deny payment. Save your money and unbelievable frustration.

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9.7 / 10
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