Fidelity Platinum Warranty covers accidental damage, mechanical breakdown, and wear-and-tear repairs for most household appliances and electronics

Fidelity Platinum Warranty is an extended service contract sold through retailers and directly by Fidelity. It extends the manufacturer's warranty by covering repair or replacement of covered items when they break down or are damaged accidentally. The contract typically lasts two to five years, depending on which plan you purchase, and covers parts and labor at authorized service centers.

What you actually get depends on the specific product category and the plan tier you bought. A Platinum plan on a refrigerator covers different things than a Platinum plan on a laptop. The contract itself — the document you receive when you buy the warranty — lists exactly what is and is not covered. If you have lost that document, you can request a copy from Fidelity by providing your purchase receipt or policy number.

Key Takeaways

  • Fidelity Platinum Warranty covers accidental damage and mechanical failures, but the specific items covered vary by product type and plan level.
  • You must file a claim within a set time frame after damage or failure occurs, and you will need your original receipt and proof of purchase.
  • Exclusions always include normal wear, misuse, unauthorized repairs, and damage from power surges or water unless you purchased a specific rider for those risks.
  • Repair claims are typically processed through authorized service centers, and you may have to pay a deductible depending on your plan.
  • If the item cannot be repaired, Fidelity will replace it with a new or refurbished model of equal or greater value.

What Fidelity Platinum Covers by Product Type

Fidelity Platinum Warranty plans are sold for appliances, electronics, computers, and mobile devices. For major appliances (refrigerators, washers, dryers, ovens), the plan covers mechanical failure of internal components, rust or corrosion that causes malfunction, and accidental damage like a dropped oven door or a cracked glass cooktop. It does not cover cosmetic damage, normal wear of seals or gaskets, or failure caused by improper installation or use.

For electronics and computers, Platinum coverage includes hardware failure, accidental drops or spills, and component breakdown. It does not cover software issues, data loss, viruses, or damage from power surges unless you purchased surge protection as an add-on. For mobile devices, Platinum typically covers screen cracks, water damage (if purchased as a rider), battery failure, and hardware malfunction, but excludes loss or theft.

The exact list of covered components is in your warranty contract. If you are unsure whether a specific part or failure is covered, contact Fidelity with your policy number and a description of the problem before you pay for any repair.

What Is Not Covered Under Fidelity Platinum

Fidelity Platinum Warranty explicitly excludes damage from misuse, abuse, or unauthorized repair. If you take a device to an unauthorized technician or attempt to repair it yourself and cause additional damage, that damage is not covered. Normal wear and tear — such as a refrigerator compressor wearing out after eight years of use — is also excluded, even though the warranty may still be active.

Damage from external causes is typically not covered unless you purchased a specific rider. This includes power surges, flooding, fire, theft, and loss. Some plans offer optional riders for water damage or surge protection, but these cost extra and must be purchased at the time you buy the warranty or within a short window afterward.

Pre-existing conditions are not covered. If the item was already broken or damaged when you purchased the warranty, or if the damage occurred before the warranty start date, Fidelity will deny the claim. You will need to provide proof of the item's condition at the time of purchase, which is why keeping your receipt and any photos of new items is important.

How to File a Claim and What Happens Next

To file a claim, contact Fidelity directly using the phone number or website listed on your warranty card or contract. You will need your policy number, the date of the damage or failure, and a description of what happened. Fidelity will ask you to take the item to an authorized service center or will arrange for a technician to visit your home, depending on the product type and your plan.

Most claims are processed within two to four weeks. During that time, the service center will diagnose the problem and determine whether it is covered. If it is covered, they will repair the item or replace it if repair is not possible. If it is not covered, Fidelity will notify you and you will be responsible for the full cost of repair or replacement.

Some plans include a deductible — typically $50 to $100 per claim — that you pay out of pocket when you file. Other plans have no deductible but charge a higher upfront premium. Check your contract to see whether your plan includes a deductible.

Deductibles, Limits, and Plan Tiers

Fidelity Platinum Warranty comes in multiple tiers, and each tier has different coverage limits and deductibles. A basic Platinum plan might have a $100 deductible and cover up to $500 in parts and labor per claim. A higher tier might have a $50 deductible and cover up to $1,500 per claim. The maximum payout over the life of the warranty is also capped — often at $2,000 to $5,000 total, depending on the plan.

Once you reach the maximum payout, the warranty ends even if the contract period has not expired. Some plans also limit the number of claims you can file per year, typically two to four. If you exceed that limit, additional claims in that year are denied.

Review your contract to understand your specific limits. If you cannot find your contract, Fidelity can send you a summary of your coverage limits and deductible by phone or email.

When Fidelity Replaces Instead of Repairs

If an item cannot be economically repaired, or if repair would cost more than replacement, Fidelity will replace it. The replacement is typically a new item of the same model and brand, or a refurbished item of equal or greater value if the original model is no longer available. You do not get to choose the replacement model — Fidelity selects it based on availability and price.

Replacement claims are less common than repair claims and typically take longer to process because Fidelity has to source and ship the replacement item. You may be without the item for two to four weeks. Some plans offer a loaner or rental reimbursement while you wait, but this is rare and must be stated in your contract.

How to Find Your Warranty Contract and Policy Number

Your warranty contract should have been provided when you purchased the warranty, either as a printed document or as an email confirmation. Look for it in the box with your appliance or device, in your email inbox (search for "Fidelity" or "warranty"), or in your filing system under the date of purchase.

If you cannot find it, contact Fidelity with your original purchase receipt. Provide the retailer name, purchase date, and product model number. Fidelity can look up your policy using that information and send you a copy of your contract and your policy number. Keep your policy number in a safe place — you will need it every time you file a claim.

Frequently Asked Questions

Can I transfer my Fidelity Platinum Warranty to someone else if I sell the item?

Most Fidelity Platinum Warranties are non-transferable and end when you sell or give away the item. Some plans allow transfer to a family member living in the same household, but this must be done in writing and within a specific time frame. Check your contract or call Fidelity to ask whether your plan allows transfer.

What happens if I move and my authorized service center is no longer nearby?

Fidelity has authorized service centers across the country. If you move, you can use any authorized center in your new location. Call Fidelity to confirm that a center near you is authorized before you take your item there. If no authorized center is nearby, Fidelity may arrange for in-home service or mail-in repair.

Does Fidelity Platinum cover items I bought used or refurbished?

Fidelity Platinum Warranty can be purchased for used or refurbished items, but the warranty period starts from the date you purchase the warranty, not from the original purchase date. Some retailers do not allow warranty purchases on used items, so check with the seller before you buy.

What if Fidelity denies my claim and I disagree?

You can request a review of a denied claim by contacting Fidelity in writing within 30 days of the denial. Provide your policy number, the claim number, and a written explanation of why you believe the claim should be covered. Fidelity will review your request and send you a written decision. If you remain unsatisfied, you may file a complaint with your state's insurance commissioner.

Can I cancel my Fidelity Platinum Warranty and get a refund?

Most Fidelity Platinum Warranties have a cancellation period — usually 30 to 60 days from the purchase date — during which you can cancel and receive a full or partial refund. After that period, cancellation is not possible unless the item is no longer in use or has been destroyed. Check your contract for the specific cancellation terms.