Fidelity National Home Warranty & Disclosure Source

What Fidelity National Home Warranty & Disclosure Source does

Fidelity National Home Warranty & Disclosure Source (FNHW) is a U.S. home warranty provider operating as a subsidiary of Fidelity National Financial (NYSE: FNF), the diversified financial services conglomerate headquartered in Jacksonville, Florida. Founded in 1995, FNHW sells annual and multi-year home warranty contracts covering the repair and replacement of major household systems (HVAC, plumbing, electrical) and appliances. The company monetizes through two revenue streams: recurring subscription contracts (12-month and 13-month plans, the latter distributed as the CRES Advantage Plan) and per-transaction Natural Hazard Disclosure (NHD) report fees priced at $75 (Standard: NHD + Taxes) and $99 (Premium: NHD + Taxes + Environmental), the latter bundled with $25,000 of E&O lawsuit protection for qualifying sellers.

The company's core operational platform is QuickClaim, a proprietary technology system that supports service request intake, contractor dispatch, and claim tracking across separate portals for homeowners, real estate professionals, and service providers. Distribution operates through three channels: inside sales via dedicated 1-800 numbers (notably 1-800-TO-COVER), direct-to-consumer self-service through homewarranty.com, and a real estate professional channel that embeds warranty recommendations into property transactions. Service fulfillment is executed by a ZIP-code-dispatched network of pre-screened contractors and technicians. Strategic technology and channel partners include DisclosureSource (NHD reporting infrastructure), CRES / Cooperative Real Estate Services (CRES Advantage Plan issuance, administration, and underwriting, plus NHD distribution), and QuickClaim as the service technology layer.

FNHW's customer base spans three primary segments: individual homeowners seeking protection against unexpected repair costs, real estate agents and brokers placing warranties at closing, and service providers joining the contractor network for steady dispatch volume. Brand credibility is reinforced by the FNF parent affiliation, 30+ years of operating history, documented multi-decade customer tenure (testimonials citing 20–21 years of continuous coverage), and membership in industry associations such as the National Home Service Contract Association (NHSCA). The company's footprint is exclusively U.S.-domestic.

Name

Fidelity National Home Warranty & Disclosure Source

Legal name

Fidelity National Home Warranty & Disclosure Source

Website

https://homewarranty.com

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Fidelity National Home Warranty & Disclosure Source is a U.S. home warranty provider and subsidiary of Fidelity National Financial (NYSE: FNF). It sells annual home warranty contracts and Natural Hazard Disclosure reports to homeowners and real estate professionals.

Ownership category

akta.pro rank

Headquarters

HQ city

Jacksonville

HQ country

United States

HQ region

North America

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Supply Chain

Revenue model

1. Home Warranty Subscriptions: Annual home warranty contracts providing coverage for repair and replacement of major home systems and appliances. Contracts are effective for one year with option to renew.
2. NHD Reports (Natural Hazard Disclosure): Transaction-based fees for Natural Hazard Disclosure reports offered through DisclosureSource partnership. Residential Standard Report at $75, Residential Premium Report at $99.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Fidelity National Home Warranty sells annual home warranty contracts that cover the repair and replacement of major home systems (HVAC, plumbing, electrical) and appliances, delivered through a network of pre-screened, certified service providers dispatched by ZIP code. Its two core plans are the 12-month Fidelity National Home Warranty plan and the 13-month CRES Advantage Plan; the company also offers CRES NHD (Natural Hazard Disclosure) Reports under a DisclosureSource partnership with Standard ($75) and Premium ($99) tiers.

Product overview

Fidelity National Home Warranty & Disclosure Source offers a portfolio of home protection products centered on its core Fidelity National Home Warranty Plan (12-month coverage) and the CRES Advantage Plan (13-month extended coverage). These plans provide repair and replacement coverage for major home systems and appliances, connected to a network of pre-screened service providers. The portfolio also includes CRES NHD Reports—a Natural Hazard Disclosure reporting service offering Residential Standard and Residential Premium tiers that bundle NHD data with tax and environmental information, and which provide E&O lawsuit protection for qualifying sellers. The company operates through direct customer portals for homeowners, real estate professionals, and service providers.

Differentiator

Problem solved

Functional benefit

Brands

• CRES Advantage Plan: A 13-month home warranty plan issued, administered and underwritten by Fidelity National Home Warranty, providing world class protection for all sides of the real estate transaction.

Products and services

• 12 Month Fidelity National Home Warranty Plan Standard annual home warranty plan covering repair and replacement of covered major home systems (HVAC, plumbing, electrical) and appliances for a 12-month term, sold to homeowners through phone, website, and real estate professional channels.
• CRES Advantage Plan (13 Month Home Warranty) Extended 13-month home warranty plan administered and underwritten by Fidelity National Home Warranty, offering comprehensive protection for buyers, sellers, and real estate professionals across all sides of a real estate transaction.
• CRES NHD Reports (Natural Hazard Disclosure) Transaction-fee Natural Hazard Disclosure reports available in Residential Standard (NHD + Taxes) and Residential Premium (NHD + Taxes + Environmental) tiers, sold to real estate offices and agents to support real estate transaction disclosure and seller E&O protection.

Quantifiable outcome

• Same-day appointment availability in many cases
• +3 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Five partnerships are on record, tiered minor and core.

• BPG InspectionsminorOthersPartner inspection company whose logo appears in footer of FNHW website. Represents part of the real estate transaction ecosystem.
• DisclosureSourcecoreTechnology or IntegrationFNHW offers Natural Hazard Disclosure (NHD) reports through DisclosureSource.com/CRES partnership. Residential Standard Report at $75, Residential Premium Report at $99. E&O lawsuit protection offered through this channel.
• CRES (Cooperative Real Estate Services)coreStrategic or Co-development PartnerCRES Advantage Plan issued, administered, and underwritten by FNHW. Offers 13 months of home warranty coverage with world-class protection for all sides of the real estate transaction. CRES NHD Reports offered through this partnership.
• NHSCA (National Home Service Contract Association)minorOthersIndustry association membership visible on website footer. Represents industry standards and professional affiliations.
• QuickClaimcoreTechnology or IntegrationTechnology partnership for fast and easy access to service claims. Enables quick service request submission and tracking for customers.

Scale indicators2 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• American Home Shield: The largest US home warranty company, offering annual home protection plans covering major systems and appliances. Directly comparable product suite, target customers (homeowners and real estate professionals), and national distribution model to FNHW.
• Choice Home Warranty: National home warranty provider selling service contracts for major home systems and appliances via direct-to-consumer and real estate channels. Closely comparable business model and customer segments to FNHW.
• First American Home Warranty: Home warranty arm of First American Financial, offering home protection plans distributed through real estate agents and directly to homeowners. Directly comparable to FNHW's structure as a warranty subsidiary of a major title/real estate financial services company.
• Old Republic Home Protection: Established US home warranty provider offering annual service contracts for home systems and appliances, with strong real estate channel distribution. Comparable product portfolio and customer base to FNHW.
• 2-10 Home Buyers Warranty: Major US home warranty provider offering structural and appliance/system coverage with strong real estate professional distribution. Comparable product categories, real estate channel focus, and target customer segments to FNHW.
• Cinch Home Services: National home warranty provider with multi-brand strategy (including HMS National and Cross Country Home Services), offering bundled home protection plans. Comparable product offering and multi-channel distribution to FNHW.
• Home Warranty of America: National home warranty provider offering residential service contracts for major systems and appliances through direct and real estate channels. Comparable subscription warranty model and target customer to FNHW.
• Landmark Home Warranty: Regional home warranty provider with strong real estate channel presence, offering annual service contracts on home systems and appliances. Comparable product line and GTM to FNHW, though smaller in scale.

Emerging players

• Liberty Home Guard: Fast-growing home warranty company with a digital-first, customizable plan offering. Comparable core product (home systems/appliance service contracts) but differentiates on direct online customization versus FNHW's phone-based pricing.
• Total Home Protection: Direct-to-consumer home warranty provider offering annual service plans with online quote and purchase. Comparable core product but differentiated GTM (digital-first) versus FNHW's hybrid phone/real estate channel model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xtwitter.com/FidelityNhw
• YouTubeyoutube.com/channel/UCaEsjbGUwfANGIMFUpUVGIw
• Facebookfacebook.com/homewarranty
• LinkedInlinkedin.com/company/fidelity-national-home-warranty-&-disclosure-source
• Instagraminstagram.com/fidelity_nhw

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Fidelity National Home Warranty & Disclosure Source