Fidelity National Home Warranty Review for 2020

Founded in Northern California in 1974, Fidelity National Home Warranty has a 40-year history of service. Its parent company, Fidelity National Financial, is a Fortune 500 company. Fidelity National Home Warranty became an official business in 1998. Today, the business operates throughout 17 states.

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Compare Fidelity National with Other Home Warranty Companies

In addition to four home warranty plans, the company offers many options for add-on coverage so that you can make your plan your own. Fidelity National Home Warranty stands behind its work with a guarantee not only on workmanship, but also on parts. With rates on the lower side of industry standard, it’s worth considering this company for your home warranty needs. 

Fidelity National Home Warranty Plans

Fidelity National Home Warranty offers home warranties for homeowners, home buyers, sellers, and real estate professionals. These warranty plans can help to reduce some of the unexpected costs of selling or buying a home. They provide peace of mind not only during your first year of homeownership, and some plans may be renewed beyond that initial year.

Annual plans start at $350, but costs can range up to $420 per year. Factors including your location, the size of your home, and the type of house that you have will all affect plan costs. Fidelity National Home Warranty does not publish its plan costs online. Plans have a service fee averaging $75, which is on the lower end of average service fee costs. The plans are effective for one year, but you may be able to renew your policy.

Plans are currently available in:

  • Arizona
  • California
  • Colorado
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Kentucky
  • Missouri
  • Nevada
  • New Mexico
  • Ohio
  • Oregon
  • Texas
  • Utah
  • Washington

Standard Plan

This base plan covers many systems and appliances that other warranty companies’ plans omit, like telephone wiring and doorbells:

  • Air conditioning system
  • Central heating system
  • Ductwork
  • Evaporative cooler
  • Plumbing system
  • Plumbing stoppages
  • Sump pump
  • Toilets
  • Built-in Whirlpool bathtub motor pump
  • Recirculating hot water pump
  • Garbage disposal
  • Instant hot water dispenser
  • Water heater
  • Electrical system
  • Telephone wiring
  • Ceiling fans
  • Central vacuum
  • Garage door opener
  • Attic and exhaust fans
  • Kitchen exhaust fan
  • Doorbell
  • Smoke detectors
  • Dishwasher
  • Range/oven/cooktop
  • Built-in microwave oven
  • Trash compactor

While at first glance this plan appears to be highly comprehensive, be sure to note that it excludes refrigerators and washers and dryers. These items are available as optional add-ons and are included in the Enhanced Plan. Other home warranty companies tend to include these items in their basic warranties.

Comprehensive Plus Plan

The Comprehensive Plus Plan offers all of the coverage of the Standard Plan, plus the following coverage:

  • Mismatched systems
  • Improper installation, repairs, or modifications
  • Removal of defective equipment
  • Refrigerant recapture, recovery, and disposal
  • Permits
  • Code violations

This plan also provides increased coverage for more elements of:

  • Plumbing
  • Heating and air conditioning
  • Ceiling fans
  • Dishwashers
  • Ranges/ovens/cooktops
  • Built-in microwave ovens
  • Trash compactors
  • Garage doors

Enhanced Plan

With the Enhanced Plan, you’ll have all of the coverage of the Standard and Comprehensive Plus plans, plus:

  • Washer/dryer
  • Kitchen refrigerator

Enhanced Plus Plan

The Enhanced Plus Plan offers all of the coverage of the Standard, Comprehensive Plus, and Enhanced Plans, plus:

  • Water heater expansion tank
  • Radiant/hot water/steam heat
  • Stoppages due to roots
  • More code violations/modifications
  • Cost for labor on manufacturer’s warranty covered items

Optional Coverage

Fidelity National Home Warranty also offers optional coverage on the following items. Adding this optional coverage can customize coverage to your needs, giving you the peace of mind that the items that matter most to you are covered.

  • Kitchen refrigerator
  • Washer/dryer
  • Air conditioning
  • Pool and spa equipment
  • Limited septic leak
  • Roof leak repair

Special Features

Many home warranties offer a 30-day guarantee on workmanship, but Fidelity National Home Warranty takes things a step further. This provider not only guarantees workmanship, but also offers a 90-day parts warranty. Pest control is also guaranteed for 30 days.

Fidelity National Home Warranty covers homes and appliances of any age. Appliances must be in good working order when the coverage begins. According to Fidelity National Home Warranty, during normal business hours, the business will contact a service provider within three hours of your service request.

If your service request falls on a weekend or a holiday, the business will contact a service provider within 48 hours. If your home is uninhabitable, special considerations and efforts will be made to get you timely service.

How to Get a Quote from Fidelity National Home Warranty Plans

Unlike other home warranty companies, Fidelity National Home Warranty does not offer an online quote request system. To get a quote, you will need to call 1-800-862-6837. Be prepared with basic information about the home that you wish to cover, including the type of house, its square footage, and its address.

Is Fidelity National Home Warranty for You?

Fidelity National Home Warranty offers warranties at lower to average prices than you’ll find from other home warranty companies. Many of the items in the Standard Plan aren’t typically covered in basic plans. However, it’s important to note that this plan excludes some more common items, like refrigerators. These items are available as optional add-ons, and they are also covered by some of the more expensive warranty plans.

If you’re considering Fidelity National Home Warranty, start by checking that coverage is available in your state. Currently, the business only offers home warranties in 17 states. This limited coverage aside, the comprehensive services of even the Standard Plan mean that this company is one to consider if you’re looking for affordable, well-rounded coverage for your home.

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