Fidelity National Home Warranty Reviews & Complaints

Company Information

Business type

Home warranty plans

Website

homewarranty.comSource: Company homeowner page, checked 2026-10-29

Headquarters

Concord, CASource: BBB profile, headquarters listing, checked 2026-10-29

Subsidiary of

Fidelity National FinancialSource: Company About page, checked 2026-10-29

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

Reviews & Complaints on USAComplaints

USAComplaints currently maintains 19 historical complaints about Fidelity National Home Warranty, published between 2002 and 2011. No approved complaints have been published on this site during the last three years. For a current reputation snapshot, see the independent sources on this page.

• AC compressor repair cost $125 instead of expected $55Published May 28, 2011 · Historical consumer allegation
• Contractors Allegedly Deny Costly Repairs as Not CoveredPublished Mar 7, 2011 · Historical consumer allegation
• Paid-Up Home Warranty Flagged Not to Be RenewedPublished Sep 22, 2010 · Historical consumer allegation
• Furnace Under Warranty Still Cost About a Thousand DollarsPublished Jan 24, 2010 · Historical consumer allegation
• Heater Repair Took 7 Trips Over 30 Days, Rent LostPublished Jan 10, 2009 · Historical consumer allegation

Contacts

• Website, online service requests and QuickClaimhomewarranty.com ↗

Customer service & general contact

• Customer service and service requests(800) 308-1420 6 complaints mention this number

Other contacts

• Sales and renewals, 1-800-TO-COVER(800) 862-6837 1 complaint mentions this number

Locations

• Headquarters1200 Concord Ave, Suite 400 Concord CA 94520

Fidelity National Home Warranty claims: who to contact and where to escalate

Requesting service. The company's website says to request service by calling customer service at (800) 308-1420 or online at homewarranty.com, where QuickClaim lets you file without signing in. Have your contract number and the ZIP code and phone number on the contract ready, since the company dispatches local technicians by ZIP code. The company states that it contacts a contractor within 3 hours during normal business hours, or within 48 hours on weekends and holidays, and the contractor then calls you to schedule a visit; the company decides which requests count as emergencies. Sales and renewals are handled at (800) 862-6837 (1-800-TO-COVER).

Fees and repairs. Each service request carries a non-refundable Trade Call Fee, paid by credit or debit card when you place the request; the amount is printed on your Declaration of Coverage. The fee pays the technician for diagnosing the problem, so you owe it even if the claim is then denied. Under the contract's Terms of Coverage, the company says, repeat work on the same repair is guaranteed for 30 days on labor and 90 days on parts without another fee. If you hire your own contractor or do the work yourself, the company says it will not reimburse you, so get approval before any repair. Once a claim is covered, the company tells you the repair or replacement options and any charges the contract does not cover; if you would rather replace the item than repair it, it says it can reimburse what it would have spent on the repair once you show proof of purchase. The plan covers unknown pre-existing conditions, not known ones.

If a claim is denied or delayed. Ask for the denial in writing with the contract section it relies on, and keep the technician's diagnosis, invoices, photos and the dates and names from every call. Compare the reason with your own contract, since coverage, limits and exclusions vary by plan and state. To put a dispute in writing, the headquarters address BBB lists is 1200 Concord Ave, Suite 400, Concord, CA 94520.

Where to escalate. In California, home warranty companies are licensed by the California Department of Insurance, which takes complaints at 1-800-927-4357 and through its online Request for Assistance form. In Texas, home warranty companies (residential service companies) are regulated by the Texas Department of Licensing and Regulation, which accepts complaints on its website. In other states, contact your state insurance department, which you can find through the NAIC directory of state insurance departments, or your state attorney general. You can also file with BBB, which forwards complaints to the company, and report deceptive practices to the FTC at ReportFraud.ftc.gov. If you paid a renewal or Trade Call Fee with a credit card and the charge was wrong or the service was not provided as agreed, write to your card issuer within 60 days after the statement showing the charge was sent; the Fair Credit Billing Act protects that dispute. It does not apply to debit cards or to a plan paid through escrow at closing.

Complaint record: BBB, Trustpilot and posts on this site

BBB. BBB rates Fidelity National Home Warranty A+ and lists it as a BBB Accredited Business, accredited since 2005. BBB shows 629 complaints filed in the last three years, 178 of them in the last 12 months, and an average customer review score of 1.22 out of 5 from 152 reviews. BBB's letter grade reflects factors such as how the business responds to complaints and how long it has operated; it is not an average of customer reviews, which is why the two figures differ so much.

Trustpilot. Trustpilot's page for homewarranty.com, the company's website, shows a TrustScore of 1.6 from 20 reviews. The company has not claimed that page.

Reports on this site. 19 published complaint reports are linked to this profile. The linked reports were posted between 2002 and 2011. Their authors describe repair visits that were delayed or never completed, claims declined under contract exclusions or limits on leaks and improper installation, service fees paid for visits that ended in a denial, and a cancelled contract. These are individual accounts and allegations; the company's responses are not part of them.

Court record: Kaplan v. Fidelity National Home Warranty Co.

Kaplan class action. In 2008 homeowners Dan Kaplan and James Baker sued Fidelity National Home Warranty in San Diego County Superior Court; their cases were consolidated. They alleged that the company failed to properly handle or wrongly denied claims under its home warranty plans, breaching its contracts and engaging in unfair and unlawful business practices. According to Top Class Actions' report on the 2013 appeal, the complaint also alleged that the company left claims handling to third-party contractors, advertised that it would handle claims fairly, and offered financial incentives for claim denials. In November 2010 the court certified a nationwide class of U.S. residents who made a claim under a Fidelity home warranty plan from July 18, 2002 onward.

In December 2011 Fidelity moved to strike and dismiss a fourth amended complaint, and the trial court dismissed the entire action. In December 2013 the California Court of Appeal (D062531, D062747) reversed and sent the case back so the plaintiffs could amend. As Top Class Actions reported, the court found that the allegations could support a claim under California's Unfair Competition Law, but also that the fourth amended complaint had improperly enlarged the class. Back in the trial court, Fidelity moved to dismiss because the plaintiffs had not brought the case to trial within three years of the April 2014 remittitur from that appeal, plus the time the law excludes from the count. The court granted the motion on December 15, 2017 and entered judgment on April 2, 2018. On March 20, 2020 the Court of Appeal (D074161, a published opinion) affirmed the dismissal, finding that the deadline had passed even after excluding 135 days of coordination proceedings. No court ruled on whether the allegations were true.

Fistolera class action. A related proposed class action, Fistolera v. Fidelity National Home Warranty Co., was filed in San Joaquin County on August 30, 2012 on behalf of people who bought or received a Fidelity plan from July 18, 2002 onward, and was coordinated with Kaplan in San Diego. It was dismissed in 2018 for failure to reach trial within five years. In the same March 20, 2020 opinion the Court of Appeal reversed that dismissal, holding that the five-year period had not run once the coordination days were excluded, and returned the case to the trial court. That ruling did not decide the plaintiffs' claims. This profile does not cover later proceedings in the case.

Court & Public Records

Who Fidelity National Home Warranty is

Fidelity National Home Warranty (FNHW) sells home warranty plans: one-year service contracts that pay for repair or replacement of covered home systems and appliances that break down from normal wear and tear. A home warranty is not homeowners insurance, which covers damage from events such as fire, water or wind. Many plans are bought through a home sale, with the price paid from escrow at closing; homeowners can also renew year to year.

The company's website describes a 12-month plan and a 13-month CRES Advantage plan offered through real estate offices insured by CRES Insurance. Standard coverage lists items such as the plumbing system and stoppages, water heater, heating and ductwork, electrical system, garage door opener, dishwasher, range, oven, cooktop and built-in microwave. Kitchen refrigerator, washer and dryer, air conditioning, pool and spa equipment, limited septic and roof leak repair are optional and must be bought separately. Items must be in good working order when coverage starts, and the contract covers only the parts and appliances it names. Coverage, terms and exclusions vary by state. The company recruits its repair contractors in Alabama, Arizona, California, Colorado, Florida, Georgia, Idaho, Nevada, New Mexico, Oregon, Texas, Utah and Washington.

According to the company, its business began in Northern California in 1974. Fidelity National Financial, Inc. (NYSE: FNF), the title insurance group, bought Fidelity National Home Warranty, formerly Western Home Warranty and Alliance Home Warranty, in August 1998, and in 2001 combined it with Chicago Home Warranty to form FNHW. The company says FNHW, Fidelity National Title and Chicago Title are all owned by Fidelity National Financial. In December 2014 HousingWire reported that FNF agreed to buy BPG Holdings, parent of Buyers Protection Group, subject to approval by regulators including the California Department of Insurance; Billy Jensen, then president and CEO of FNHW, said the combination would make it the largest home warranty company in California.

Company Relationships

• Subsidiary ofFidelity National Financial

Frequently Asked Questions