When it comes to insuring your home, many homeowners don’t look past their homeowner’s insurance policy for protection. However, your homeowner’s insurance policy is solely in place to cover damage to your home that is unexpected (i.e. hurricanes, fires, hail damage, etc.). Where home warranty offerings differ is that they provide coverage for the somewhat expected events that come with owning a home.
Events such as the aging and breakdown of household appliances and other systems in your home that suffer the effects of everyday wear and tear. Home warranties are in place to help you have a little additional peace of mind that if, for instance, your air conditioner goes out you aren’t going to have to pay thousands of dollars out of pocket to get it replaced.
There are many options when it comes to choosing the best home warranty companies, but we’ll take a closer look at Fidelity’s offerings to help you decide if their coverage is the right fit for you and your home.
Pros
- No age limit on covered items and appliances
- Online service request portal
- Amount of service plans
- Low-cost options
Cons
- Major appliance coverage is not standard
- Not available in most states
- Too many gaps in coverage
- Reports of poor customer service
Table of Contents
- Fidelity National Home Warranty at a Glance
- Fidelity National Home Warranty State Availability
- Fidelity National Home Warranty Cost
- Fidelity National Home Warranty Exclusion and Coverage Limits
- Other Benefits
- Fine Print
- Fidelity National Home Warranty Reviews
- What We Like About Fidelity National Home Warranty
- What We Didn’t Like About Fidelity National Home Warranty
- How Fidelity Stacks Up
- Is Fidelity Home Warranty Right For You?
- Methodology
Fidelity National Home Warranty at a Glance
Fidelity Home Warranty currently has coverage offerings in 17 states starting at their standard plan ranging up to their enhanced plus plan. Each of its coverage plans will vary in the amount of items covered at each warranty package tier.
Regardless of the plan you choose, you will have the option to add-on additional coverages that help you customize each plan to fit your needs and budget. Fidelity’s offerings will range in price based on your geographical location, size of your home and amount of coverage needed.
For a typical single-family home, Fidelity National Home Warranty pricing can range from $500 to $855 annually, based on the plan and coverage level chosen. Service call fees also vary by state, for example, Texas homeowners pay $85 and Florida homeowners pay $95 per claim. While these fees are in addition to the annual cost, Fidelity’s home warranty plans provide solid coverage at a relatively affordable price point.
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Fidelity National Home Warranty State Availability
Fidelity Home Warranty is currently only available in 17 states nationwide. Those states include:
- Arizona
- California
- Colorado
- Florida
- Georgia
- Idaho
- Illinois
- Indiana
- Kentucky
- Missouri
- Nevada
- New Mexico
- Ohio
- Oregon
- Texas
- Utah
- Washington
Fidelity National Home Warranty Cost
Fidelity National Home Warranty’s pricing will vary depending on your location. The costs below focus specifically on Texas and Florida, but if you live in any of the other states covered by Fidelity, the pricing might look different. Thankfully, Fidelity National provides detailed brochures for each coverage state, helping homeowners get a comprehensive breakdown of plans and costs. Here’s a look at the cost difference between Texas and Florida:
Texas
| PLAN | ANNUAL COST | MONTHLY COST | SERVICE CALL FEE |
|---|---|---|---|
| Standard Plan | $510 | $42.50 | $85 |
| Comprehensive Plan | $620 | $51.67 | $85 |
| Enhanced Plan | $715 | $59.58 | $85 |
| Enhanced Plus Plan | $855 | $71.25 | $85 |
Florida
| PLAN | ANNUAL COST | MONTHLY COST | SERVICE CALL FEE |
|---|---|---|---|
| Standard Plan | $500 | $41.67 | $95 |
| Comprehensive Plan | $595 | $49.58 | $95 |
| Enhanced Plan | $715 | $59.58 | $95 |
| Enhanced Plus Plan | $855 | $71.25 | $95 |
These tables provide a high-level look at the different plans and their costs in both states. However, it’s important to remember that the exact cost and coverage can vary depending on where you live, so it’s always best to refer to Fidelity’s state-specific brochures for accurate pricing and plan details.
Fidelity National Home Warranty Exclusion and Coverage Limits
When looking at coverage limits, we again focused on Fidelity National Home Warranty’s offerings in Florida and Texas. The limits appear consistent across both states, but this is likely to fluctuate for other coverage areas. Here’s a breakdown of the coverage limits you can expect under each plan in these states.
| COVERAGE ITEM | STANDARD PLAN LIMIT | COMPREHENSIVE PLUS PLAN LIMIT | ENHANCED PLUS PLAN LIMIT |
|---|---|---|---|
| Kitchen Appliances | $5,000 | – | – |
| Ductwork | $500 | – | – |
| Heat Pump/Hybrid Water Heater | $1,500 | – | – |
| Radiant Hot Water/Steam, Combo Water Heater/Heating Units, Geothermal Heat Pumps, Water Sourced, Air Transfer, Diesel, Oil or Hydronic Systems | $1,500 | – | – |
| Concrete-Encased Inaccessible Pipe Leaks | $500.00 | – | – |
| Code Violations | Not covered | $250.00 | – |
| Permits | Not covered | $250.00 | – |
| Plumbing System - Faucets/Potfillers | Not covered | $500.00 | – |
| Plumbing System - Toilet | Not covered | $500.00 | – |
| Plumbing Hub/Manifold | Not covered | $300.00 | – |
| Heating/Air Conditioning/Evaporative Cooler - Flues and Vents (Code Violation) | Not covered | $250.00 | – |
| Heating/Air Conditioning/Evaporative Cooler - Crane for HVAC Roof Mounted Equipment | Not covered | $250.00 | – |
| Stoppages Due to Roots | Not covered | Not covered | $250.00 |
| Radiant Hot Water/Steam Heat Combo Water Heater/Heating Units, Geothermal Heat Pumps, Water Sourced, Air Transfer, Diesel, Oil, or Hydronic Systems (Upgraded) | Not covered | Not covered | $2,500.00 |
| Code Violation/Modification | Not covered | Not covered | $1,250.00 |
The limits provided are per unit or occurrence, and each plan builds upon the previous one, with the Enhanced Plus Plan offering the most comprehensive coverage. As far as exclusions to coverage goes, here are a few mentioned by the company:
- Non-covered items and components: Many parts of systems and appliances, like shower towers, multi-head/valve shower systems and cosmetic components, are not covered under standard plans.
- Pre-existing conditions and improper installations: Systems or appliances that were improperly installed, repaired or modified before coverage started aren’t included unless specific upgrades are purchased.
- Access limitations: While rough finish restoration is provided after accessing plumbing or electrical systems, trim, paint, tile, wallpaper and carpet restoration are not covered.
- Optional add-ons have limits: Coverage add-ons (like pools, spas or septic systems) come with specific dollar limits per contract term, typically ranging from $500 to $1,500, potentially leaving gaps in protection.
- Routine maintenance and hazardous materials: Standard plans don’t cover routine maintenance or cleaning services, and repairs involving hazardous materials like asbestos or mold are excluded.
Homeowners should always consult their contract for full details on exclusions and limitations specific to their coverage and location.
Other Benefits
One of the benefits of choosing a home warranty through Fidelity is their online service request portal. One of the biggest hassles with filing claims is the potential for long hold times while on the phone with customer service. Fidelity offers an online service request form that can be filled out in a few short minutes and a customer service representative will contact you once they review your submission.
Fine Print
As with any signed contract, as painful as it is, it is important to comb through the fine print and make sure you are getting all your needs covered before you sign your name. You might have added on additional items to your coverage, however, some of the items Fidelity will cover will have repair limits and coverage exclusions.
Make sure you ask for a sample contract to review before signing or have your Fidelity representative explain in detail the exact amount of coverage and limitations each item you need covered has. This will not only save you money up front but also in the event of the item breaking in the future.
Fidelity National Home Warranty Reviews
When diving into customer experiences, feedback about Fidelity National Home Warranty is mixed, with several users expressing frustration over claims processes and long wait times.
Overall, the reviews lean toward dissatisfaction, particularly with claim processing times, communication issues and the perceived quality of service contractors sent out by Fidelity. However, some users did find eventual resolution after persistent follow-ups. These experiences underscore the importance of understanding coverage, staying proactive in claims processes and being prepared for potential challenges when dealing with Fidelity National Home Warranty.
What We Like About Fidelity National Home Warranty
Fidelity National Home Warranty offers a broad range of coverage options tailored for homeowners, including protection for major home systems and appliances. One of the standout features is its easy claims process, which can be initiated online or via its 24/7 hotline, providing prompt assistance when an appliance breaks down. Moreover, the company’s comprehensive plans are designed with both home buyers and sellers in mind, adding value whether you’re protecting your investment during a sale or ensuring budget-friendly repairs in your new home. With coverage that’s eligible for renewal year after year and a commitment to using local, licensed and insured service providers, homeowners can count on quality repairs and peace of mind.
What We Didn’t Like About Fidelity National Home Warranty
While Fidelity National Home Warranty provides extensive coverage, there are some limitations to keep in mind. Coverage is limited to specific components within systems, so homeowners should carefully review their contracts to understand what is and isn’t covered. Additionally, certain optional add-ons can increase costs quickly, which might be a downside for those looking to stick to a tighter budget. Lastly, there are dollar limits for the repair and replacement of systems and appliances, meaning that in some cases, the out-of-pocket expenses could surpass what the warranty covers. It’s important to weigh these factors when choosing the right plan.
How Fidelity Stacks Up
Is Fidelity Home Warranty Right For You?
Fidelity Home Warranty is a great option if your main concern is affordability. However, when it comes to home warranties, affordability often means less coverage. Fidelity does offer decent service guarantees of 30 days for services provided and 90 days for parts repaired or replaced. When contacting Fidelity to talk about your home warranty needs, you will quickly find out most of the items you need covered will not be included in their standard plan.
After initially being intrigued by their low cost offerings and after you add on the cost to cover additional areas and items for your home, you might find you are in the same price range of other home warranty companies. That being said, if you take some time to research reviews you will see that Fidelity Home Warranty is somewhat plagued by poor customer reviews.
If the price points are close, it might be worth your time to look into other home warranty companies that offer better customer service and more inclusive coverage plans.
Best Home Warranty Companies By State
Methodology
To determine the home warranty companies ranking, the Forbes Home editorial team analyzed 54 companies, with each company’s star rating determined by evaluating a variety of metrics and subcategories, including years of experience, signup and restrictions, plan pricing, fees and discounts, coverage features, property coverage, customer reviews and support and nationwide availability.
You can find out more about how Forbes Home rates home warranty companies on our detailed methodology page.
All figures and facts were accurate at the time of first publication.
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Frequently Asked Questions (FAQs)
Who owns Fidelity Home Warranty?
Fidelity Home Warranty is owned by its parent company, Fidelity National Financial Inc.
Does Fidelity Home Warranty cover roof leaks?
Yes, Fidelity Home Warranty covers roof leaks. However, the coverage will be an additional upgrade and be limited in the type of roof leaks covered.
How do I file a claim with Fidelity Home Warranty?
Fidelity offers an online customer portal were you can log in, fill out a short service request form and a customer service representative will contact you as they receive the request. You can also contact their customer service line at: 1-800-308-1420.
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