Fidelity National vs American Home Shield

Fidelity National and American Home Shield are both home warranty companies, but that’s about where the similarities end. AHS has been in business for nearly 50 years; Fidelity National has clocked half that. While AHS covers 49 states, Fidelity National’s coverage is more limited. The comparison we’re making is between a large, established company versus a mid-sized competitor.

When you stack up the data, there's a clear overall winner between the two. But just because one company leaves a better impression for most consumers doesn't mean it has to be the right company for you. Read on to see our comparison.

Fidelity National logo
#19 Fidelity National
2.4 Overall Score
1.7
star star_half star_border star_border star_border
(49)
American Home Shield logo verified_user
#2 American Home Shield
8.4 Overall Score
3.9
star star star star_half star_border
(9,574)

Overview

Fidelity National

Average Cost Per Year

$475

Average Service Fee

$65

Contract Length

1 year

Time in Business

26 Years

American Home Shield

Varies by Location

$100

None

50 Years

Ratings

Fidelity National

Overall Score
2.4 of 10
Review Score
1.7
star star_half star_border star_border star_border
Value for Money
1.7
star star_half star_border star_border star_border
Quality of Product or Service
1.7
star star_half star_border star_border star_border
Company Trustworthiness
1.6
star star_half star_border star_border star_border
Likely to Recommend
1.4 of 10

American Home Shield

8.4 of 10
3.9
star star star star_half star_border
3.7
star star star star_half star_border
3.8
star star star star_half star_border
3.8
star star star star_half star_border
7.3 of 10

Reviews

Fidelity National

Number of Reviews
49
Review Breakdown
1.7
star star_half star_border star_border star_border
5 star
8%
4 star
10%
3 star
0%
2 star
2%
1 star
80%

American Home Shield

9,574
3.9
star star star star_half star_border
5 star
60%
4 star
11%
3 star
6%
2 star
4%
1 star
18%

Reviews for Fidelity National

Helpful Favorable Review

star star star star star_border

Sean Flanagan Modesto, CA

I've had Fidelity for several years and I've had numerous service calls. Technicians they've sent were always great and were able to fix the problem same day. AC was serviced with several issues and was up and running within an hour. Only negative I've seen is the max AC coverage is low and the amount you pay for years, doesn't seem to be in line with low HVAC or AC coverage.

7 months ago

Helpful Critical Review

star star_border star_border star_border star_border

Bernie Brenner Austin, TX

Never us this company!!! I don't know how they can stay in business with such poor customer service, technicians and the amount of items they claim are "excluded." There has to be an alternative but I would say that ANY other company has to better then this one.

4 months ago

Reviews for American Home Shield

Helpful Favorable Review

star star star star star

Peter Wesner Aransas Pass, TX

They are the best! Very attentive to my phone calls and concerns. I receive repair man out here immediately and if it had to be repaired or replaced it was taken care of! I would highly recommend them to everyone!

1 week ago

Helpful Critical Review

star star_border star_border star_border star_border

William Sauder Gainesville, VA

My Air conditioning did not cool tech came out told me it is gone Needs Freon not covered my cost 1200.00 other parts not covered. Total cost to me 2150.00. Plus service call did offer to sell me a new one for 8.000. Why have a warranty for big ticket items when they don't want to cover it. Called customer service said they would get with the company and call me back. Still waiting. I don't expect I will hear back. All I can say is buyer beware

14 hours ago

The Final Word

Customer Service (Winner: American Home Shield)

American Home Shield has thousands of user reviews while Fidelity National only has dozens. It wouldn't be fair to review their complaints in isolation — negative reviewers are typically the first to flock to a company profile.

However, throughout several review sites, perception of Fidelity National is largely negative. This may mean that the company needs to place more emphasis on reputation management and addressing its complaints.

On the other hand, American Home Shield is responsive to consumers’ reviews, showing a higher commitment to customer service.

Time in Business (Winner: American Home Shield)

AHS has been in business since 1971; Fidelity National has been in business since 1995. Both companies have proven themselves as established, but if a company’s time in business matters to you, AHS has twice the experience.

Contract (Winner: American Home Shield)

Both Fidelity National and American Home Shield have one-year contracts. But AHS provides flexibility after the first year of a contract, allowing customers to continue month-to-month.

Basic Coverage (Winner: Fidelity National and American Home Shield)

American Home Shield's Appliances Plan ($599.88 per year) includes coverage for the following appliances:

  • Refrigerator
  • Range/oven/cooktop
  • Clothes washer
  • Clothes dryer
  • Dishwasher
  • Built-in microwave
  • Trash compactor
  • Freestanding ice maker
  • Garage door opener
  • Built-in food center

The following systems are covered under American Home Shield's Systems Plan ($599.88 per year):

  • Air conditioner and ductwork
  • Heating and ductwork
  • Electrical
  • Doorbells
  • Smoke detectors
  • Ceiling fans
  • Plumbing (including stoppages)
  • Water heater
  • Garbage disposal
  • Instant hot/cold water dispenser
  • Central vacuum

Fidelity National mentions that it has plans to choose from to fit customer needs. Here's what's available for standard coverage:

  • Plumbing system
  • Plumbing stoppages
  • Toilets
  • Sump pump (permanently installed)
  • Bathroom whirlpool motor pump
  • Recirculating hot water pump
  • Water heater
  • Heating and ductwork
  • Electrical system
  • Telephone system
  • Central vacuum
  • Garage door opener
  • Ceiling fans
  • Attic and exhaust fans
  • Smoke detectors
  • Doorbells
  • Dishwasher
  • Range/oven/cooktop
  • Built-in microwave
  • Instant hot water dispenser
  • Trash compactor 

It’s difficult to compare the two, because AHS splits its basic coverage into two plans and charges a slightly higher yearly rate ($659.88 per year, based on a $75 service fee) for its combo plan including all features. Some of AHS’s basic coverage for major appliances are add-on options for Fidelity National service plans, such as the refrigerator, washer, dryer, and air conditioner. 

Meanwhile, Fidelity National covers a few things AHS only addresses in optional coverage, such as the sump pump, bathroom whirlpool, and recirculating hot water pump.

Your company preference will differ based on what the warranty offers. When looking at this basic coverage side by side, you might see one that’s a better option for you.

Licensed Contractors (Winner: American Home Shield and Fidelity National)

Both AHS and Fidelity National require their contractors to be licensed. This will keep you from having to research a good technician for your service requests, because they do the homework for you.

American Home Shield vs. Fidelity National: Which is the better option?

Both companies have proven after a couple decades of business that they’re in it for the long haul. However, based on our analysis, American Home Shield might be the better choice.

If you’re looking for a smaller warranty provider and you see that Fidelity National has coverage that’s better suited to your needs, it might make sense to choose Fidelity. However, by and large, American Home Shield is more likely to produce happy customers.

Top Choice

American Home Shield Logo
American Home Shield

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