Liberty Home Guard vs American Home Shield

Home Warranty Adobe

In this article, the This Old House Reviews team examines Liberty Home Guard and American Home Shield on their plans, cost, and customer reviews.

Looking for a comparison of Liberty Home Guard vs. American Home Shield? In this review, the This Old House Reviews team compares these two providers head-to-head on important home warranty criteria such as plans, reviews, and pricing. Continue reading for a detailed analysis of each provider and determine which offers the best home warranty.

Our Take

American Home Shield has more customizable plan options, more years of experience, and serves more states nationwide. However, Liberty Home Guard has cheaper monthly premiums, lower service fees, and a better BBB rating. Both AHS and LHG are reputable in the home warranty industry.

A relatively new company, Liberty Home Guard started selling home warranties in 2019. Liberty Home Guard offers three different coverage plans and 20 optional coverage items to include with any plan.

For a free quote from Liberty Home Guard, fill out this online form or call 866-452-9107.

American Home Shield is one of the most popular home warranty providers in the industry and was also ranked as one of the best home warranty companies by our This Old House Reviews team.

To get $50 off of a new plan, call American Home Shield at 844-529-9298 or complete this form.

Liberty Home Guard vs. American Home Shield Coverage

Both American Home Shield and Liberty Home Guard offer coverage plans exclusively for appliances and systems, but only American Home Shield offers a fully customizable plan. Liberty Home Guard offers more optional add-ons than American Home Shield, but American Home Shield covers more items in each of its plans.

Liberty Home Guard Coverage

There are three Liberty Home Guard plans: Appliance Guard, System Guard, and Total Home Guard. The Appliance Guard plan covers nine appliances, the System Guard plan covers six systems, and the Total Home Guard plan covers all 15 of these items.

Liberty Home Guard offers 20 optional add-ons that you can purchase separately with any plan:

  • Pool and spa
  • Gutter cleaning
  • Floor/carpet cleaning
  • Additional spa
  • Sump pump
  • Limited roof leak
  • Stand alone freezer
  • Septic system pumping
  • Pest control
  • Central vacuum
  • Re-key
  • Second refrigerator
  • Well pump
  • Fixtures (lighting and plumbing)
  • Water softener
  • Electronics protection
  • Lawn sprinkler system
  • Swamp cooler
  • Ejector pump
  • Grinder pump

American Home Shield Coverage

There are four American Home Shield plans: an Appliances Plan, Systems Plan, Combo Plan, and Build-Your-Own Plan. The Appliances Plan covers 10 appliances, the Systems Plan covers 11 home systems, and the Combo Plan offers comprehensive coverage for both systems and appliances.

The Build-Your-Own Plan allows you to choose 10 or more appliances and systems for a fully customized plan—each item added to the plan after the tenth item costs an additional $2 per item.

Here are the five optional add-ons offered by American Home Shield:

  • Well pump
  • Pool and spa
  • Septic pump
  • Electronic extended warranty
  • Guest units up to 750 square feet

Liberty Home Guard vs. American Home Shield Cost

Liberty Home Guard offers a cheaper monthly premium than American Home Shield. Regarding service call fees, Liberty Home Guard offers a $60 service fee for all customers, while American Home Shield allows customers to select their own service fee between $75–$125.

With American Home Shield, choosing a lower service fee may lead to a higher monthly premium, while homeowners who are willing to pay a higher service fee will have a relatively lower monthly premium.

Note: The cost of a home warranty depends on where you live, the square footage of your home, and the type of plan you choose. Because of these factors, getting a quote from both providers is the best way to determine the specific cost of a home warranty for your situation.

Liberty Home Guard vs. American Home Shield Reviews

Liberty Home Guard and American Home Shield both earned positive ratings from the Better Business Bureau (BBB) and are accredited by the organization.

Our Conclusion

Liberty Home Guard and American Home Shield both offer comprehensive plans that protect major systems and appliances within the home. Liberty Home Guard offers more optional add-ons than American Home Shield, but American Home Shield offers more coverage plans and a fully customizable plan. Both providers offer affordable plans and have received positive customer reviews.

Because of American Home Shield’s years of experience in the industry and its fully customizable plan option, we recommend this provider for most homeowners, especially those looking to customize coverage. To learn more about each provider, read our Liberty Home Guard review and our American Home Shield review.

Frequently Asked Questions About Home Warranties

Should I purchase a home warranty?

Purchasing a home warranty plan provides peace of mind for homeowners by protecting them from expensive repairs that they can’t afford. Since major home systems and appliances will break down from normal wear and tear and may need repairs from time to time, a home warranty can offer you protection and save you money.

How does a home warranty work?

With home warranty coverage, you pay a monthly premium of about $25 to $60. When one of your systems or appliances breaks down, you file a claim and pay a service fee of about $75 to $125.

What is the waiting period on a home warranty?

Many home warranty companies require you to wait a specific amount of time after purchasing your plan before you can submit your first claim. Both Liberty Home Guard and American Home Shield require you to wait 30 days before going through the claims process.

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