Key Takeaways
- Fidelity Home Warranty offers customizable plans for home systems and appliances, but customer reviews are mixed regarding claims and service.
- Understanding contract details and comparing alternatives is crucial before purchasing any home warranty.
- This guide explores fidelity home warranty reviews, features, pros and cons, real customer feedback, and how Fidelity compares to competitors.
Are Home Warranties Worth It? Unpacking Fidelity Home Warranty Reviews
Have you ever been hit with a sudden, expensive repair for your home’s heating or a major kitchen appliance? Many homeowners face these unexpected costs, which can strain any budget. That’s the problem home warranties aim to solve—by providing coverage for the repair or replacement of major home systems and appliances due to normal wear and tear. But with so many providers, choosing the right one is a challenge.
Fidelity Home Warranty is one of the more recognizable names in the industry, promising coverage and peace of mind. But do they really deliver? This article offers a thorough look at fidelity home warranty reviews, breaking down what Fidelity offers, summarizing customer experiences, and comparing their service to competitors. Whether you’re a new homeowner or have owned your home for years, this guide will help you decide if Fidelity Home Warranty fits your needs.
What is Fidelity Home Warranty?
Company Background and History
Fidelity National Home Warranty (FNHW) is a subsidiary of Fidelity National Financial, Inc., a Fortune 500 giant in the real estate and insurance fields. Founded in 1974, FNHW has grown through decades of acquisitions and today sits under the Fidelity National Financial umbrella, alongside brands like Fidelity National Title and Chicago Title. This connection means the company has both financial strength and industry experience—qualities many homeowners look for when choosing a home warranty provider.
Services and Home Warranty Plans
Fidelity Home Warranty sells annual home warranty plans that cover the repair or replacement of major home systems and appliances. Typical coverage includes:
- Plumbing systems and stoppages
- Water heaters
- Toilets and sump pumps
- Heating and ductwork
- Electrical systems
- Central vacuum systems
- Garage door openers
- Ceiling, attic, and exhaust fans
- Smoke detectors and doorbells
- Dishwashers, ranges, ovens, cooktops, built-in microwaves
Optional add-ons let you cover more, including your kitchen refrigerator, washer and dryer, air conditioning, pool or spa equipment, and even limited roof leak repairs. This flexibility allows customers to build a plan that fits their home and their budget.
Fidelity vs. Industry Standards
Fidelity’s offerings are broadly similar to those of other major providers. The ability to customize coverage with add-ons is a plus, though their base plans may exclude certain high-value items unless you pay extra. Fidelity’s coverage area is more limited than some competitors, but their financial stability and long-standing reputation make them a notable choice in the home warranty space.
Key Features of Fidelity Home Warranty
Coverage Options and Flexibility
Fidelity Home Warranty plans are designed to be flexible. The standard plan covers most major home systems and appliances. For homeowners who want more, higher-tier plans and add-ons can extend coverage to include:
- Air conditioning systems
- Pool and spa equipment
- Roof leak repairs
- Guest units and additional structures
- Smart home devices (on select plans)
This flexibility means you can build a plan that fits your home’s unique requirements.
Unique Benefits of Fidelity Home Warranty
One advantage of Fidelity Home Warranty is that it covers homes of any age and most brands of appliances. They also cover unknown pre-existing conditions, provided the issue was not known when the contract began—a valuable benefit for those buying older homes.
Customer Service Details
- Contract Terms: Coverage starts after payment is received and lasts one year, with renewal options available.
- Service Fees: Each claim requires a trade call fee (usually $85), which covers the contractor’s visit.
- Claims Process: Claims can be filed online or by phone. Fidelity aims to dispatch a contractor within three hours during business hours, or within 48 hours on weekends and holidays. Repairs are guaranteed for 30 days on labor and 90 days on parts.
- Repair or Replacement: If an item can’t be repaired, Fidelity may offer a replacement or reimbursement up to the repair cost.
Real Coverage Examples
- If your water heater fails due to wear and tear, you file a claim, pay the service fee, and a licensed technician is dispatched to repair or replace it.
- If your dishwasher malfunctions, Fidelity’s plan covers the repair (minus the service fee), provided the issue isn’t excluded by contract.
Pros and Cons of Fidelity Home Warranty
Pros
Affordability and Plan Flexibility
Fidelity Home Warranty plans are competitively priced, especially for higher-tier options. The ability to add coverage for specific items means you can tailor your protection to your needs.
Comprehensive Coverage Options
Their plans can cover both home systems and appliances, with numerous add-ons available for pools, spas, and more.
Financial Stability
As part of Fidelity National Financial, the company’s financial strength provides reassurance about claim payments and long-term service.
Vetted Contractors
Fidelity only uses licensed and insured contractors, so repairs are performed by qualified professionals.
Cons
Limited Service Area
Fidelity is not available nationwide, with coverage limited to about 10–17 states. Homeowners outside these areas must look elsewhere.
Claim Delays
Many customers experience slow response times, with some waiting days or even weeks for service—a real concern during emergencies.
Coverage Exclusions and Limits
Fidelity’s contracts include exclusions and payout limits. Pre-existing conditions, cosmetic defects, and certain components may not be covered, frustrating some customers.
Mixed Customer Service Reviews
While some praise helpful representatives, many report difficulty reaching customer service and long hold times.
Fidelity Home Warranty Customer Reviews and Ratings
Overview of Customer Sentiment
Fidelity Home Warranty reviews are mixed to negative on most major platforms. While some customers appreciate the affordability and breadth of coverage, many are unhappy with claim delays, denials, and customer service.
Platform Ratings
- BBB: A+ for the company, but many 1-star reviews, often citing unresolved complaints and denied claims.
- Trustpilot: 1.9/5, with frequent reports of denied claims and poor communication.
- ConsumerAffairs: 1.2/5, with complaints about unprofessional contractors and service.
- Yelp: 1.3–1.7/5, with many citing rude staff and unresolved repairs.
Common Compliments
- Some customers report quick repairs and professional contractors.
- A few long-term customers are satisfied with the value over several years.
Common Complaints
- Claim Delays: Many cite long waits for claim approval and service.
- Unqualified Technicians: Reports of technicians unable to resolve issues, requiring repeat visits.
- Poor Communication: Difficulty reaching customer service and lack of follow-up.
- Coverage Surprises: Frustration over contract exclusions and payout limits.
Real Customer Testimonials
- “They always find ways not to cover whatever you need repaired.”
- “I haven’t had a working refrigerator for over a month. They have made two trips and replaced two different parts. They lied and told me it’s under warranty with Samsung so they have to keep replacing parts instead of honoring the warranty I bought.”
- “I’ve renewed Fidelity home warranty for the past 3 years, and have had a good experience with their company and three different contractors; a plumber, an electrician, heating and air.”
Customer Satisfaction and Responsiveness
While some customers are satisfied, most reviews express disappointment, especially with the claims process and customer service. Many recommend reading the contract carefully and being prepared for potential hassles.
How Does Fidelity Home Warranty Compare to Other Home Warranty Providers?
Comparing Top Providers
| Provider | Annual Price Range | Service Fee | Coverage Limit (per item) | Service Area | Unique Features |
|---|---|---|---|---|---|
| Fidelity Home Warranty | ~$350–$600 | $85 | $3,500 | 10–17 states | Unique add-ons, combo plans |
| American Home Shield | ~$360–$900 | $75–$125 | Up to $6,000 | 49 states | No inspection, flexible fees |
| Choice Home Warranty | ~$420–$660 | $85 | $3,000 | Nationwide | 24/7 claims, simple plans |
| Select Home Warranty | ~$400–$650 | $60–$75 | $3,000 | Nationwide | Free roof coverage, low fees |
| First American Home Warranty | ~$360–$600 | $85 | $5,000 (appliances) | Nationwide | High appliance limits |
Strengths of Fidelity
- Comprehensive Combo Plans: Good for those wanting both systems and appliance coverage.
- Add-On Flexibility: More optional add-ons than many competitors.
Weaknesses of Fidelity
- Limited Service Area: Not available in all states, unlike American Home Shield and others.
- Slower Claims: Competitors often have faster claim responses.
- Customer Service Ratings: Generally lower than top competitors.
Best Home Warranty Reviews: Summary
If you’re in Fidelity’s service area and want customizable coverage, Fidelity can be a solid option. However, for faster claims or broader availability, competitors like American Home Shield or Choice Home Warranty may be better.
How to Get Started with Fidelity Home Warranty
Step-by-Step Guide
- Assess Your Needs: Consider your home’s age and the systems/appliances you want covered.
- Compare Plans: Examine Fidelity’s plans and add-ons to see which fits your needs.
- Request a Quote: Get a personalized quote online or by phone.
- Purchase a Plan: Choose your coverage and pay the annual premium. Coverage typically starts after a 30-day waiting period.
- Review Your Contract: Make sure you understand coverage, exclusions, and service fees.
Filing a Claim
- File claims online or by phone.
- Fidelity assigns a contractor to diagnose and repair the issue.
- Pay the standard service call fee at the time of service.
- If the item can’t be repaired, Fidelity may offer a replacement or reimbursement.
Tips for Choosing the Right Coverage
- Read the contract closely to know what is and isn’t covered.
- Consider add-ons for high-value items like pools or smart home devices.
- Factor in both the annual premium and per-claim service fees.
Frequently Asked Questions about Fidelity Home Warranty
What is covered under Fidelity Home Warranty?
Standard plans cover major systems (plumbing, electrical, heating) and appliances (dishwasher, oven, microwave). Add-ons cover air conditioning, pools, and more.
How much does Fidelity Home Warranty cost?
Annual plans range from $300 to $855, depending on plan, location, and add-ons. Service call fees are typically $75–$95 per claim.
Is Fidelity Home Warranty reliable?
Fidelity is financially stable but reviews are mixed. Some customers are happy, but many report slow claims and customer service problems.
What are common reasons for claim denials?
Claims are often denied for pre-existing conditions, items not covered, lack of maintenance, or repair costs over the contract limit.
Can Fidelity Home Warranty plans be customized?
Yes, you can add coverage for pools, spas, smart home devices, and more.
Are there waiting periods?
Yes, coverage usually starts after a 30-day waiting period. Items must be in good working order at contract start.
Can I transfer my Fidelity Home Warranty if I sell my home?
Yes, plans are transferable to new homeowners, which can help with real estate transactions.
Conclusion and Final Recommendation
Fidelity Home Warranty offers flexible, customizable plans and is backed by a stable parent company. While coverage options are strong, many customers cite claim delays, coverage exclusions, and disappointing customer service. For those in Fidelity’s service area who want plan flexibility and are willing to read contracts carefully, Fidelity may be a reasonable choice. However, those prioritizing fast claims and higher customer satisfaction may prefer to compare other leading providers.
The best approach is to read fidelity home warranty reviews from real customers, compare providers, and fully understand the contract before buying. A home warranty can offer valuable peace of mind—but only if it matches your needs and expectations.