When it comes to insuring your home, many homeowners don’t look past their homeowner’s insurance policy for protection. However, your homeowners 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 pay thousands of dollars out of pocket to get it replaced.
There are many different companies that offer home warranty products, but we are going to comb through Fidelity’s home warranty options to help you decide if coverage from them is right 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 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 their 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 the average single-family home, depending on coverage needs, the price will range from $300 to $630 annually not including the addition of optional coverage offerings. On top of your annual charge for coverage, anytime you submit a warranty claim with Fidelity you will be charged an additional $75 as a service fee. Overall, Fidelity’s Home Warranty options provide decent additional coverage for your home at an affordable price.
Fidelity 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
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.
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 best home warranty providers ranking, the Forbes Home Improvement editorial team analyzed third-party data on 13 major companies, with each company’s star rating determined by evaluating a variety of metrics, including:
- Pricing (20%)
- Customer Happiness (20%)
- Response Time (15%)
- What’s Included in Coverage (15%)
- Nationwide Availability (15%)
- Discount Availability (10%)
- Option to Pick Technician (5%)
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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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