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Fidelity National home warranty offers cost-effective coverage for what matters in your home. The company stands out from the competition because it doesn’t have age restrictions on covered items, making it a great choice for homeowners with older homes and appliances that still need coverage.
Pros
- No age restrictions on coverage.
- Lower-cost plans compared to competitors.
Cons
- Despite the name, Fidelity National only serves 17 states.
- Some common appliances, such as refrigerators and air conditioners, aren’t covered under Fidelity’s standard plan.
Pros
- No age restrictions on coverage.
- Lower-cost plans compared to competitors.
Cons
- Despite the name, Fidelity National only serves 17 states.
- Some common appliances, such as refrigerators and air conditioners, aren’t covered under Fidelity’s standard plan.
Fidelity Home Warranty Overview
- Plan types: Standard and Optional coverage
- Pricing: Starting at $30/month
- Service fees: $75/call
- Workmanship guarantee: 30 days
- Contract length: One year
- BBB rating: A+
- Home inspection required: No
- States served: 17
- Applicable appliance and system coverage:
- Plumbing systems
- Plumbing stoppages
- Toilets
- Sump pumps (permanently installed)
- Bathroom whirlpool motor pumps
- Recirculating hot water pumps
- Water heaters
- Heating and ductwork
- Electrical systems
- Telephone systems
- Central vacuum systems
- Garage door openers
- Ceiling fans
- Attic and exhaust fans
- Smoke detectors
- Doorbells
- Dishwashers
- Ranges
- Ovens
- Cooktops
- Built-in microwaves
- Instant hot water dispensers
- Trash compactors
Plan Types
Standard Plan
Price: Starts at $30/month.
Coverage: Standard coverage from Fidelity National Home Warranty protects most of the basic systems and appliances in your home. Pricing varies depending on the location and age of your home.
Systems Covered:
- Plumbing systems
- Toilets
- Permanent sump sumps
- Bathroom whirlpool motor pumps
- Recirculating hot water pumps
- Heating and ductwork
- Electrical systems
- Telephone systems
- Central vacuum systems
Appliances Covered:
- Water heaters
- Garage door openers
- Ceiling fans
- Attic and exhaust fans
- Smoke detectors
- Doorbells
- Dishwashers
- Ranges
- Ovens
- Cooktops
- Built-in microwaves
- Instant hot water dispensers
- Trash compactors
Optional Coverage Plan
Price: Varies depending on opt-in coverage chosen.
Coverage: Optional Coverage from Fidelity National Home Warranty lets homeowners select specific add-on coverage for home appliances or systems.
Systems Covered:
- Air conditioning units
- Pool and spa equipment
- Limited septic leaks
- Roof leak repairs
Appliances Covered:
- Kitchen refrigerators
- Washers/dryers
Who is this best for?
Fidelity Home Warranty is a good choice for homeowners looking for cost-effective appliance and system protection that doesn’t restrict coverage based on appliance age. Fidelity is also a good fit if you’re looking to cover specific systems, such as septic tanks or pool equipment, which don’t fall under most standard policies.
Pros:
- Cost-effective coverage plans: With plans starting at just over $30/month — or $360/year — Fidelity National offers one of the cheapest home warranties on the market.
- No age restrictions on appliances: Older appliances are the most likely to fail and are often exempt from coverage. With Fidelity, age doesn’t matter; any appliance is eligible for protection.
- Customizable warranty plans: Homeowners can add-on specific coverage to get the right fit for their home.
Cons:
- Some appliances aren’t covered under the Standard plan: Common appliances including washers, dryers, and refrigerators aren’t covered under Fidelity’s basic plan.
- Limited online support: The company doesn’t offer much online support for coverage questions or claims.
- Small coverage area: Fidelity only provides coverage for homeowners in 17 states.
The Competition
| Fidelity Home Warranty | American Residential Warranty | Fixd Repair | |
| States served | 17 | Nationwide | 4 |
| Reviews rating | X/5 | 3.9/5 | 3.4/5 |
| Service fee | $75 | Unlisted | Unlisted |
| Workmanship guarantee | 30 days | Not stated | Yes |
| Customizable? | Yes | Yes | No |
| Other | Cost-effective coverage options No age restrictions on covered items | Warranty can be transferred to another homeowner No home inspections required | Great mobile support with iOS and Android apps Uses local service technicians |
· All information accurate as of 05/15/20
Fidelity Home Warranty compared to American Residential Warranty
American Residential Warranty is one of our best-reviewed home warranty options, but how does it stack up against Fidelity? When it comes to the service area, American Residential comes out ahead with coverage in 50 states and the ability for homeowners to choose their own contractor. It’s important to point out that the company requires a 30-day waiting period before making a claim.
Fidelity, meanwhile, offers both customizable coverage and a 30-day workmanship guarantee — plus a 90-day parts guarantee — to help ensure your warranty work is done right.
Fidelity Home Warranty compared to Fixd Repair
Fidelity wins the coverage area competition here, serving 17 states compared to just 4 for Fixd Repair. While Fixd Repair does offer a workmanship guarantee, it doesn’t list its service fee; Fidelity charges $75 — less than the industry average. While Fixd Repair offers great mobile application support, it lacks the ability to customize home warranty plans or offer specific add-on coverage.
The Bottom Line
Fidelity National Home Warranty offers solid protection for homeowners. Still, it doesn’t stand out from the competition when it comes to customer service, online support or comprehensive plan coverage. However, where it does earn top marks is in add-on coverage and the ability to protect any appliance — no matter its age — to help deliver peace of mind for homeowners.
Compared to providers such as American Residential and Fixd Repair, Fidelity can’t compete on service area or online support, but remains a good option for clients looking to protect older appliances without breaking the bank.
Need help with your home warranty decision? We’ve got you covered with more in-depth reviews and comparisons of industry-leading providers.
About the Authors
Doug Bonderud is an award-winning freelance writer with the unique ability to translate complex financial concepts into approachable, actionable content that both captures reader interest and delivers key brand messaging.
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