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Fidelity National home warranty offers cost-effective coverage for what matters in your home. The company does not impose age limits on covered items and continues to operate as a regional provider with availability in 17 states concentrated in the West, Southwest, and Midwest, according to recent independent reviews from Forbes Home, Architectural Digest, and MarketWatch Guides. Fidelity emphasizes 24/7 claims intake and dispatch through its contractor network on the official site.
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, which can help owners of older systems/appliances secure protection (confirmed by recent editorials: Forbes Home; Architectural Digest).
- Budget-friendly entry points are typical for this category, with basic tiers commonly quoted around $30–$50 per month and trade service fees often offered near $75 at some providers; industry-wide service fees generally range $75–$150 per claim (FTC Consumer Advice; Forbes Home).
Cons
- Despite the name, Fidelity National only serves 17 states (AZ, CA, CO, ID, IL, IN, KY, MO, MT, NE, NV, NM, OK, OR, TX, UT, WA), per Forbes Home, Architectural Digest, and MarketWatch Guides.
- Common kitchen/laundry items such as the refrigerator and washer/dryer are typically add-ons rather than included in the standard plan in many states; air conditioning is also commonly optional—verify your state contract (Forbes Home; Architectural Digest).
Fidelity Home Warranty Overview
- Plan types: Standard and Optional coverage (details, caps, and exclusions vary by state; consult the state sample contract on the official site).
- Pricing: Basic tiers in this market commonly start around $30–$50 per month, with higher-priced comprehensive plans depending on selections and ZIP (Forbes Home; U.S. News).
- Service fees: Fidelity commonly lists a $75 trade service call fee in many markets; industry ranges typically run $75–$150 per claim/visit (FTC Consumer Advice).
- Workmanship guarantee: Often 30 days on labor in recent contracts, with parts coverage specified by state—verify your state’s written terms on the official site. Note that many service industries now advertise longer repair guarantees (e.g., 180 days at Sears Home Services), so it’s worth comparing.
- Contract length: One year
- BBB rating: A+
- Home inspection required: No
- States served: 17 (AZ, CA, CO, ID, IL, IN, KY, MO, MT, NE, NV, NM, OK, OR, TX, UT, WA), per Forbes Home and Architectural Digest; MarketWatch Guides concurs that Fidelity remains regionally focused.
- 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: Often quoted in the ~$30–$50/month range depending on state, plan tier, and chosen service-fee option; your exact price is ZIP- and selection-dependent (U.S. News; Forbes Home).
Coverage: The Standard plan targets core home systems and select appliances. In many states, air conditioning and kitchen refrigerator, plus washer/dryer, are not part of the base plan and are available as optional add-ons—confirm your state’s contract on the official site and review third-party summaries (Forbes Home; Architectural Digest).
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 and service-fee selection; add-ons increase monthly cost (U.S. News).
Coverage: Optional Coverage from Fidelity National Home Warranty lets homeowners select add-ons frequently including air conditioning, roof-leak repair, pool/spa, limited septic components, and major appliances (e.g., refrigerator, washer/dryer) where allowed—verify your state’s menu and caps on the official site; see also current overviews from Forbes Home and Architectural Digest.
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 suits homeowners in one of the 17 covered states who want predictable costs and no age limits on covered items. It’s also a fit if you need add-ons like A/C, roof-leak repair, pool/spa, or septic coverage that are often outside base plans; review your state’s contract and add-on list on the official site, and cross-check independent summaries from MarketWatch Guides and Forbes Home. Claims can be submitted 24/7 via phone/online, with a per-claim trade service fee (FTC Consumer Advice).
Pros:
- Cost-effective coverage plans: In this category, basic tiers commonly run ~$30–$50/month and comprehensive packages higher; many providers (including regional brands) still offer a $75 trade service fee option, though $85–$150 is also common (FTC Consumer Advice; Forbes Home).
- No age restrictions on appliances/systems: Eligibility isn’t limited by item age, a differentiator cited by recent editorial reviews of Fidelity (Forbes Home; Architectural Digest).
- Customizable warranty plans: Homeowners can select add-ons (e.g., A/C, pool/spa, roof-leak, septic, refrigerator, washer/dryer) to tailor coverage; specifics and caps are listed in state contracts on the official site.
Cons:
- Some appliances aren’t covered under the Standard plan: In many states, refrigerator and washer/dryer are add-ons, and A/C is commonly optional—check your state’s contract (editorial summaries: Forbes Home; Architectural Digest).
- Per-claim fees: A trade service fee applies per service request and often per trade visit, which can increase out-of-pocket costs if multiple trades are dispatched (FTC Consumer Advice).
- Small coverage area: Fidelity only provides coverage for homeowners in 17 states, per MarketWatch Guides, Forbes Home, and Architectural Digest.
The Competition
| Fidelity Home Warranty | American Residential Warranty | Fixd Repair | |
| States served | 17 | Nationwide | Texas (select metros) |
| Reviews rating | A+ (BBB) | 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 11/11/2025
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 availability, ARW markets nationwide coverage and offers multiple plan tiers with notable add-ons such as electronics protection and utility line programs; review ARW’s current plan lineup and terms and conditions for state-specific limits, waiting periods, and trade service fees.
Fidelity, meanwhile, focuses on 17 states and emphasizes 24/7 claims with a per-visit trade service fee and customizable add-ons—verify inclusions, caps, and workmanship/parts guarantees in your state’s contract on the official site. Note that many service industries have lengthened repair guarantees beyond 30 days in recent years (e.g., 180 days at Sears Home Services), so compare guarantee windows alongside price and coverage.
Fidelity Home Warranty compared to Fixd Repair
Fidelity’s availability spans 17 states, while Fixd Repair primarily serves Texas metropolitan areas (see Fixd’s service areas). While Fixd Repair emphasizes app-based scheduling, in-house technicians in core markets, and speed of dispatch (home warranty details), Fidelity lists a clear per-claim trade service fee and offers add-ons for items like A/C, roof-leak repair, pool/spa equipment, and select appliances; always confirm current fees and coverage specifics in your state contract.
The Bottom Line
Fidelity National Home Warranty remains a regionally focused provider operating in 17 states, with 24/7 claims, no age limits on covered items, and a traditional networked contractor model. Base plans typically require add-ons for A/C and major kitchen/laundry appliances in many states, so scrutinize your state contract for what’s included, dollar caps, and workmanship/parts guarantees on the official site. In a market trending toward more digital, app-enabled claims and expanded bundles (e.g., electronics and utility line programs) highlighted by brands like Frontdoor and HomeServe, Fidelity’s value proposition is straightforward coverage and add-ons within its footprint.
Compared to providers such as American Residential (nationwide with broader add-ons) and Fixd Repair (Texas-centric, app-driven), Fidelity can’t match nationwide availability or fully app-based service, but it’s a practical option for homeowners in its footprint who want to cover older systems and appliances cost-effectively and prefer a traditional claims process. Remember that service fees are charged per claim/visit and often per trade (FTC Consumer Advice).
Need help with your home warranty decision? We’ve got you covered with more in-depth reviews and comparisons of industry-leading providers.
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