Fidelity National Home Warranty Review Review

Integrated in 1974, Harmony, California-based Constancy Nationwide House Guarantee presents inexpensive house guarantee plans in 17 states. Constancy Nationwide Monetary bought the corporate in 1996.

The Constancy Nationwide House Guarantee platform is simple, informative and easy to make use of. 

Right here’s how the house guarantee service works:

1. A house system or equipment breaks, and the house owner calls to Constancy Nationwide House Guarantee or information a declare on-line. 
2. One of many firm’s most well-liked service suppliers will name the house owner to schedule a service appointment.
3. The service individual contacts the corporate to get approval to repair the issue, often inside three hours throughout regular enterprise hours. 
4. As soon as the restore is accredited, the service individual will restore the problem or substitute the equipment.

When a house owner notices a rest room backing up, they name for a restore, and it is going to be fastened as quickly as attainable. If the issue can’t be fastened, the corporate will ship a brand new bathroom and a licensed plumber to put in it. 

Owners can click on on a number of locations on the web site to file a declare. They’ll additionally renew their insurance policies by clicking on a button. 

Owners who bought the house guarantee may also entry quite a few useful movies on-line to learn to make their very own repairs. The movies cowl all the pieces from checking smoke detectors to fixing rubbish disposals and flushing out sizzling water heaters. 

The Normal Plan covers:

• Plumbing techniques
• Plumbing blockages
• Doorbells
• Bathrooms
• Completely put in sump pumps
• Recirculating sizzling water pump
• Water heater
• Heating and ductwork
• Electrical system
• Central vacuum system
• Toilet whirlpool motor pump
• Attic and exhaust followers
• Smoke detectors
• Vary
• Cooktops
• Phone system
• Immediate sizzling water dispenser

Constancy Nationwide House Guarantee presents a number of tiers of plans beginning with the Normal Plan. Additional protection is obtainable on the Complete Plus Plan, Enhanced Plan or Enhanced Plus Plan.

The Complete Plus Plan contains all techniques and home equipment on the Normal Plan, in addition to protection for the storage door opener, ceiling followers, dishwasher, oven, built-in microwave and trash compactor. 

The Enhanced Plan provides protection for sensible house gadgets, a washer and dryer set and kitchen fridge along with all objects on the Normal and Complete Plan. This protection doesn’t lengthen to a fridge that sits elsewhere in the home, corresponding to in a basement or storage. The guarantee additionally covers twin compressor models.

The Enhanced Plus Plan contains all techniques and objects on the Normal, Complete and Enhanced Plan in addition to a water softener and reverse osmosis water filtration system. It additionally covers exterior pipe leaks and leaks which might be encased in concrete or that aren’t simply accessible. The guarantee additionally covers plumbing stoppages, radiant sizzling water or steam warmth plumbing points and water heater enlargement tanks. It additionally presents a rise within the protection restrict for code violations. 

Actual property brokers who’re insured for errors and omissions with CRES Benefit can supply their shoppers 13 months of protection for the worth of 12 months. By inserting the CRES Benefit plan on house owner transactions, the true property agent may cut back their errors and omissions deductible by $5,000 in the event that they get sued for a coated error or omission. 

Actual property brokers who symbolize sellers on the CRES Benefit plan may qualify their sellers for $50,000 of errors and omissions protection by means of the vendor’s safety plan. Homes with house warranties could promote sooner and get presents nearer to their asking value. A house guarantee is engaging to homebuyers who could have funds to buy a house however don’t have the cash to sort out repairs as they arrive up. Sellers admire house warranties as a result of they shield the house whereas it’s available on the market. Listings that promote a house guarantee are extra engaging to consumers.

Service suppliers have entry to a web-based dashboard that mechanically notifies them of service requests. They’ll use the dashboard to replace claims, handle invoices and assessment knowledge associated to their efficiency. 

The guarantee firm provides service suppliers with repeat enterprise with out the price of advertising and marketing. The approval course of is well timed and environment friendly, so service suppliers can get to work rapidly on repairs. Glad prospects are prone to name on service suppliers once more, permitting the service firms to increase their buyer base. Service suppliers may also depend on fee inside 14 days of the guarantee firm receiving their bill. 

Benzinga offers Constancy Nationwide House Guarantee 5 of 5 stars for its product providing as a result of it caters to householders, actual property brokers and repair suppliers. The web site is engaging, clear and user-friendly. The motion buttons for submitting a declare and renewing a guaranty are seen and clear. 

Whereas the product providing charges are excessive, the customer support division at Constancy Nationwide House Guarantee is missing. 

In line with Client Affairs, prospects give the corporate a 1.1 out of 5 stars. Clients complained of sluggish  and poor service and disagreements about accountability between the guarantee and third-party distributors. 

The corporate has 1,729 complaints on the Higher Enterprise Bureau, and 609 complaints have been closed inside the final yr.

Yelp reviewers give Constancy House Guarantee 1.5 stars, and Benzinga offers the corporate 1 out of 5 for lackluster customer support. 

Constancy Nationwide Guarantee has common pricing for the fundamental plan and the month-to-month service payment. 

The price of plans varies relying on which state the client is in. Costs for the fundamental plan vary between $690 and $1,035. The non-compulsory coverages for air con companies, roof repairs, fridge repairs and different companies are further costs. The corporate additionally costs a median service payment of $85 when a buyer information a declare for service. 

The Constancy Nationwide House Guarantee covers many issues a house insurance coverage coverage doesn’t. 

For instance, the guarantee will cowl fixing a brief in {an electrical} system to maintain the house secure and stop a declare on the house insurance coverage ensuing from hearth. The guarantee may even cowl repairing techniques like a built-in whirlpool or central vacuum system. Owners may also get smaller restore issues fastened, corresponding to points with a storage door opener, ceiling fan or doorbell. 

Not all issues are coated, and a few repairs have a cap of round $1,000. For these causes, Benzinga offers Constancy Nationwide House Guarantee 4 of 5 stars for consumer advantages. 

The web site is user-friendly for householders, actual property brokers and repair suppliers. Every tab takes the consumer to extra data for that individual monitor. 

The movies for householders are extremely informative and will cut back the variety of claims, as householders might be able to repair minor issues themselves while not having a service name. 

Actual property brokers can obtain an informative brochure that highlights the pricing and coverages for a selected state to allow them to share it with their shoppers. The web site clearly lists the advantages of a house guarantee for the house owner, homebuyer, vendor and actual property agent. 

Service suppliers have entry to a useful dashboard the place they’ll preserve monitor of their service calls and billing. 

Not all customers for a house guarantee buy will have the ability to get a web-based quote with out having to name customer support. 

General, Benzinga offers Constancy Nationwide House Guarantee 4 of 5 stars for its consumer expertise. 

Constancy Nationwide House Guarantee Versus Rivals

Constancy Nationwide House Guarantee’s platform has just a few opponents corresponding to American House Protect and Liberty House Guard. There are just a few notable similarities and variations between house guarantee firms. 

House guarantee firms are comparable in they sometimes have a fundamental plan and an non-compulsory plan that covers extra home equipment and techniques. The non-compulsory plan carries a further payment. 

House guarantee plans are additionally comparable in that they carry exclusions for not solely the varieties of home equipment and companies they cowl but additionally the varieties of hazards they cowl. Constancy House Guarantee excludes mould, mildew and fungus harm. The guarantee additionally excludes repairs and replacements of home equipment which might be broken by flood. In sure contracts, the guarantee is not going to cowl harm ensuing from termites or bugs. 

Sure companies have protection limits that vary between $500 and $5,000, relying on the character of the service name.

All firms typically cowl house techniques and home equipment. Nonetheless, every plan covers completely different techniques and home equipment below the fundamental and non-compulsory plans. One thing else that separates house guarantee firms is they don’t all function in each state. 

Benzinga offers Constancy Nationwide House Guarantee an general ranking of three of 5 stars. 

The precise guarantee covers most home equipment and techniques prospects would moderately count on from a house guarantee firm. Owners can buy further converge for particular objects corresponding to a swimming pool, septic tank, or roofing leak. 

The Constancy Nationwide House Guarantee presents common pricing in contrast with comparable house guarantee firms and is inexpensive than some. The service payment is inexpensive contemplating what you’d pay for a whole restore. 

Guarantee homeowners will admire with the ability to get giant or small repairs accomplished by certified service personnel with out the associated fee or problem of contracting with a service firm themselves.

If the corporate may do something higher, it might be to enhance its customer support and attempt to resolve a number of the complaints talked about in public critiques. 

Regularly Requested Questions