Is Fidelity National Home Warranty Worth it?

Protecting your home and its contents are one of the most important things a homeowner can do. At the same time, picking a top rated home warranty company when there are so many to choose from can be time-consuming. That is why having reliable, trustworthy and honest home warranty coverage is crucial. Concerns such as complaints filed against the company and how fast they answer your claims are critical. In addition to this, you also have to worry about whether or not the house warranty company will actually honor your claims or simply deny them.

This comprehensive Fidelity National Home Warranty review goes over all of those concerns and answers all of them thoroughly. Our team of researchers takes into consideration testimonials from actual clients, dependability, pricing and several other factors. Using all of that data, allows us to put forth this in-depth review about the home buyers warranty company to see if it is worth the expense. It will also serve to protect you from those businesses which are only out there to take your money or one that will actually be there for you when the situation calls for it.

Why The Need For Homeowners Warranty Coverage

There are tons of reasons why people need homeowners warranty coverage or home appliance protection plans. Fidelity National Home Warranty is one of those companies that you will need to use in order to have coverage in repairing or replacing appliances or home systems. Most major appliance repairs can end up costing hundreds of dollars. Worse of all, in some cases, you can end up paying for a service contractor that will result in your appliance(s) not being repaired after a costly visit.

All about Fidelity National Home Warranty

Replacing an appliance is even more pricey than actually repairing them. Home systems such as water heaters, plumbing, and others, are substantially more expensive to repair or replace. By choosing reliable household appliance cover, you can end up saving a significant amount of money, headaches and time.

About Fidelity National Home Warranty

Fidelity National Home Warranty began in January 1995 as Alliance Home Warranty and was acquired by Fidelity National Financial, Inc. (FNF) on August 14, 1998. It provides both the homebuyer and seller with “peace of mind” when it comes to repairs and/or replacement of a home's major systems and appliances. Fidelity National Home Warranty has been providing home protection service for over 33 years. FNHW – as they are also known – has numerous operation offices all over the US. They offer clients a one-year standard and comprehensive plus plan for home protection. These plans serve to cover your appliances and major systems in your home. In addition to their home protection warranty plans, they also offer services for real estate professionals as a way for them to protect their clients.

According to the Fidelity National Home Warranty brochure, the company has a proactive monitoring system for clients. These automated tracking systems are in place as a way to keep track of all repair status filings. Clients can check the status and info of their claims using the Fidelity National Home Warranty phone number to reach customer service or via their contact page.

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FNHW also has a guaranteed service work program. The 30 days labor/90 days parts coverage is without an additional service fee. The home warranty coverage from FNHW will cover breakdowns of your appliances and major systems due to normal wear and tear. However, these systems and appliances need to have been within the foundation of your home and throughout the contract term in order to be covered. The entire list of what will be covered or not depends on the plan you choose.

How does Fidelity National Home Warranty Work?

To apply for home coverage, there are four simple ways: online (, phone (1-800-862-6837), fax (1-800-308-1460), and mail (FNHW, P.O. Box 7606, San Francisco, CA 94120-9885). From there you may check the contract that caters to where you are from and reviews the plans that it offers.

Fidelity offers standard coverage but it also offers bundled plans such as the enhanced plan and the comprehensive plus plan that offers more coverage. When purchased, the Fidelity National Home Warranty Comprehensive Plus Plan covers a standard plan, a comprehensive option, and an air conditioning/evaporative cooler option. However, the air conditioning/evaporative cooler option only covers wall air conditioners and does not cover gas. In the comprehensive plus plan, Fidelity National will also pay to correct code violations and/or code upgrades if necessary to affect FNHW-approved repair or replacement of a covered system or appliance up to the combined aggregate of $250.00 per contract term.

For service requests, complete a Request for Service form as thoroughly as possible and wait for a service technician to contact you within 24 hours during normal business hours or within 48 hours on weekends or holidays.

What Does My FNHW Home Warranty Cover?

The only way to know exactly what the warranty you choose from Fidelity National will cover is to review your specific contract. You can also check out their online contract sample as well. In most cases, their standard home warranty package covers the following:

What does Fidelity Home Warranty Cover?

Electrical system, central vacuum system, telephone system, dishwasher, built-in microwave, cooktops, range, oven, plumbing System, plumbing stoppages, toilets, recalculating hot water pump, sump pump (permanently installed), bathroom whirlpool motor pump, heating and ductwork, garage door opener, instant hot water dispenser and trash compactor, ceiling fans, attic and exhaust fans, water heater, doorbells, smoke detectors, garbage disposal.

Additional coverages for items like air conditioning, refrigerator, laundry washer as well as a dryer, types of equipment for spa and pool and more are readily available for purchase. Check your contract to see which coverages were purchased.

Fidelity National Home Warranty BBB Rating

One of the first thing for anyone to consider before using any company or service is their BBB (Better Business Bureau) rating. BBB can tell you a lot about a business since most real complaints against the company will be filed here. In this day an age of internet access, anyone can end up writing either positive or negative reviews about any company. The problem is that some of these reviews can be actually bogus or fake. Competing companies can hire people to badmouth or ruin the reputation of another business easily. However, that is much more difficult to do when it comes to sites such as BBB. One of the first things that is very assuring about FNHW is their outstanding BBB rating. They have an A+ rating which is the highest you can get.

For any company who has been in business for more than 33 years, this is simply impressive. It also means that they are more likely to be trusted to deliver on what they claim to offer you. The Fidelity home warranty BBB A+ is among the best out there. In fact, there are only one or two other companies which offer similar services that have an A-plus Better Business Bureau rating as well. You can see the rating, reviews, complaints filed against them and reasons for such a high rating here at the BBB accredited Business profile of FNHM.

Fidelity National Home Warranty Reviews

When it came to Fidelity National Home Warranty reviews, there was a bit of a mixed message. In some places such as Yelp and, we found a few of them that were negative. The problem with sites such as Yelp is that their rating system has already been proven to be easily manipulated. People posing as real customers can actually end up writing negative or positive reviews about any company or service, without ever even using them at all.

Reviews on Fidelity National Home Warranty Company

The same can be said about This site is often confused by many as ConsumersReports which is a non-profit company. That is important to note since sites that charge money to companies for advertising can end up giving favorable reviews or higher rankings to those that do not. FNHW has a very good rating from anyway. According to their site, they have about a 7/10 average rating which is very good.

Still, based on our entire research of all the reviews on Fidelity National Home Warranty, the majority of reviews for them were very good. Again, we point to their excellent BBB ratings as the most reliable and concrete proof of this.

Fidelity National Home Warranty Complaints

Throughout our research on Fidelity National Home Warranty and other major home maintenance insurance companies, there were a number of complaints against them. In most cases, the complaints were always for some items not being covered when claims were filed. This complaint is very common among even the top ten home warranty companies out there. That tends to be the case since some clients may think an item or system is covered without them first checking the fine print on their contract.

For FNHW though, most complaints were not due to them not covering the claims filed by clients. On the contrary to a lot of other similar home warranty service providers, Fidelity National complaints were different. Most complaints against Fidelity home warranty were due to the contractors sent out by them to cover the claims. Most of the customers who filed for repairs, had their claims covered. However, the contractors they were sent left some unhappy. That can happen with a company who uses hundreds of thousands of different contractors each month. Nonetheless, based on the totality of and reasons behind the complaints, FNHW overall ratings were still very good.

Fidelity National Pricing and Dependability

The final phase of our in-depth Fidelity National Home Warranty Review is their pricing and dependability. As far as their pricing is concerned, their cost for coverage will be largely based on your location. For the most part, their premiums begin at around $350 a year and can go up as high as $450. This all depends on your plan you choose, additional options and the state you live in. There is a $65 deductible to consider as well. The pricing is on par with most of the top rated home warranty companies available today.Complaints and reviews about Fidelity National

As far as their dependability, we found that FNHW has very good ratings in this field. From 1 out 10 ratings – 10 being the best – Fidelity National Home Warranty garnished an impressive 9. That rating is based on many factors such as customer satisfaction, amount of coverage offered and time it takes to answer them. Although a few had to wait for a few days or longer for their appliances or systems to be repaired, most did not. In all, Fidelity National Home Warranty received one of the highest dependability ratings from several others of the best-rated home warranty businesses out there.

Final Review of Fidelity National Home Warranty

While there are a vast amount of companies on the market offering similar home warranty services, Fidelity National is among the top. Based on the research of this review, their BBB A+ rating and all of the info we found on them, they are highly recommended. If you are considering using any home warranty insurance company, then Fidelity National Home Warranty should be among your first choices.

You can Request a Free Quote From Fidelity Home Warranty here!