Unexpected home repairs can be expensive. A broken air conditioner, a failing water heater, or plumbing issues can throw off your budget and leave you scrambling for solutions. A home warranty helps cover these costs, reducing the financial burden when major systems or appliances break down.
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Compare Fidelity National with Other Home Warranty Companies
With the rising cost of home maintenance, more homeowners are turning to home warranty plans for protection. Fidelity National Home Warranty, a company with over 50 years in the industry, offers coverage in 17 states. Backed by Fortune 500 parent company Fidelity National Financial, Fidelity is known for its affordable plans and flexible coverage options.
Is Fidelity National Home Warranty the right choice for you? This review covers plan details, pricing, customer experiences, and how it compares to other providers.
Fidelity National Home Warranty Plans: Coverage and Costs
Fidelity National Home Warranty offers several plans to help homeowners manage repair and replacement costs for essential home systems and appliances. Below is a breakdown of their main coverage options.
Side-by-Side Plan Breakdown
| Plan Name | Annual Cost | Service Fee | Coverage Highlights |
|---|---|---|---|
| Standard Plan | $405 | $85 | Covers major systems like plumbing, electrical, and heating. Does not include washers, dryers, or refrigerators. |
| Comprehensive Plus | $535 | $85 | Includes all Standard Plan coverage plus washers, dryers, and refrigerators. |
| Enhanced Plan | $625 | $85 | Similar to the Standard Plan but offers higher coverage limits and additional perks. Does not cover washers, dryers, or refrigerators. |
| Enhanced Plus Plan | $825 | $85 | Offers the most extensive coverage with maximum limits and benefits. Excludes washers, dryers, and refrigerators. |
Fidelity also offers optional add-ons for homeowners looking for extra protection. These include:
- Air Conditioning – Coverage for cooling systems.
- Pool and Spa Equipment – Protection for swimming pool and spa components.
- Washer and Dryer – Coverage for laundry appliances.
- Kitchen Refrigerator – Protection for the primary kitchen fridge.
- Limited Roof Leak Repair – Addresses specific roof leak issues.
Each add-on has its own pricing, which varies by location and specific needs.
Pricing Breakdown: Cost Differences Based on Home Size and Location
Fidelity’s pricing depends on home size, type, and location. Here’s a general estimate of costs:
- Single-Family Homes: Plans range from $405 to $825 annually.
- Condominiums, Townhomes, and Mobile Homes: Typically between $360 and $740 annually.
- Multi-Unit Properties: Duplexes start at $530, triplexes at $745, and fourplexes at $955 annually.
Service fees are set at $85 per claim, which is paid when a service technician visits your home to diagnose or repair an issue.
Customer Reviews: What People Really Think
Fidelity National Home Warranty has received mixed reviews from customers. While some appreciate its affordability and quick service, others report challenges with claim approvals and technician availability.
Many homeowners praise Fidelity for its responsive service and straightforward claims process. However, some customers have experienced difficulties with claim approvals and unexpected costs.
Fidelity holds an A+ rating with the Better Business Bureau, reflecting its commitment to addressing customer complaints, though experiences can vary depending on location.
How Fidelity Compares to Other Home Warranty Companies
When evaluating Fidelity against other home warranty providers, here’s how it stacks up:
Strengths
- Affordable Pricing – Some of the most budget-friendly plans in the industry.
- Comprehensive Plus Plan – Includes coverage for washers, dryers, and refrigerators, which many competitors offer only as add-ons.
Weaknesses
- Limited Standard Coverage – The base plan excludes major appliances like refrigerators and air conditioning, which some competitors include.
- Availability – Fidelity operates in a limited number of states, while some competitors provide nationwide coverage.
For homeowners looking for a cost-effective home warranty, Fidelity can be a strong option. However, those who prefer more extensive coverage or a wider service area may find better alternatives with other providers.
How to Get a Quote from Fidelity Home Warranty
To obtain a quote from Fidelity National Home Warranty, a more personal approach is required. You’ll need to make a phone call to their customer service team at 1-800-862-6837. When you call, it’s helpful to have certain information ready:
- Type of home: Whether it’s a single-family home, condo, or townhouse.
- Location and address: This helps in providing a more accurate quote.
- Square footage: Knowing the size of your home can influence the quote.
- Coverage preferences: Have an idea of what items you want covered (e.g., HVAC, plumbing).
The customer service representative will guide you through the process, helping you understand the different plans and options available, suited to your specific needs.
Bottom Line
Fidelity National Home Warranty is a solid choice for homeowners seeking affordable coverage for essential home systems. Its Comprehensive Plus Plan is ideal for those who want washers, dryers, and refrigerators included without extra add-ons.
However, the Standard Plan excludes key appliances, and some customers report delays in service and claims processing. Those who want more inclusive coverage or a smoother claims experience may find better options elsewhere.
Before committing, compare Fidelity’s plans to competitors, check customer reviews, and review contract details to ensure it meets your needs.