American Home Shield vs. Liberty Home Guard
Compare coverage, cost and reviews
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Home warranties can help homeowners repair or replace home systems and appliances when they break down. We looked at key comparable features for two home warranty companies, American Home Shield and Liberty Home Guard, including premiums, fees and the number of items covered. This guide compares the home warranty companies side by side to help make your choice an easy one.
We recommend American Home Shield for homeowners wanting all-inclusive plans and who need only a few add-ons.
We recommend Liberty Home Guard for homeowners looking for basic home warranty packages they can build to suit their specific needs.
American Home Shield vs. Liberty Home Guard cost
Your choice between these providers may come down to budget priorities. If a lower monthly payment for entry-level coverage is most important, American Home Shield is the stronger choice. However, for those who want to minimize the one-time service fee for a technician's visit or need a more affordable high-tier plan, Liberty Home Guard proves to be the more economical option.
American Home Shield plans and pricing
American Home Shield lets you choose a service fee of $100 or $125, which is what you pay when you file a claim. Choosing a higher service fee reduces the monthly cost of your plan.
| Service fee | ShieldSilver | ShieldGold | SheldPlatinum |
|---|---|---|---|
| $100 | $39.99 | $59.99 | $89.99 |
| $125 | $29.99 | $49.99 | $79.99 |
Liberty Home Guard plans and pricing
Service fees from Liberty Home Guard range from $50 to $125. The monthly rates listed below may vary depending on your service fee.
| Service fee | Appliance Guard | Systems Guard | Total Home Guard |
|---|---|---|---|
| $50 to $125 | $49.99 | $54.99 | $59.99 |
*Cost information is accurate as of the time of publishing. Price quotes used a Texas ZIP code; pricing may vary in other locations.
American Home Shield vs. Liberty Home Guard coverage
The main coverage difference between these companies is how they structure their basic plans. American Home Shield's plans start by focusing only on home systems. Liberty Home Guard allows you to choose between plans that cover only systems, only appliances, or both. This gives Liberty Home Guard more flexibility at the entry level.
 |  | |
| Coverage |  |  |
|---|---|---|
| Plan | ||
| Air conditioner | | |
| Heating | | |
| Plumbing | | |
| Electrical | | |
| Ductwork | | |
| Sump pump | | |
| Water heater | | |
| Interior plumbing lines | | |
| Interior electrical lines | | |
| Exterior plumbing lines | | |
| Exterior water lines | | |
| Refrigerator | | |
| Dishwasher | | |
| Oven | | |
| Range | | |
| Cooktop | | |
| Microwave | | |
| Food center | | |
| Garbage disposal | | |
| Trash compactor | | |
| Ice maker | | |
| Hot/cold water dispenser | | |
| Range exhaust hood | | |
| Kitchen exhaust fan | | |
| Clothes washer | | |
| Clothes dryer | | |
| Toilets | | |
| Bathtub/shower | | |
| Faucets | | |
| Ceiling fans | | |
| Attic fans | | |
| Central vacuum | | |
| Doorbells | | |
| Garage door openers | | |
| Roof leak repairs | | |
| Main breaker | | |
| Plumbing stoppages | | |
| Home electronics | | |
| Smoke detectors | | |
| Jetted tub components | | |
American Home Shield vs. Liberty Home Guard add-ons
Liberty Home Guard offers a much wider variety of specialty add-ons including septic systems, guest units and sprinkler systems. American Home Shield's list is shorter. Both companies offer add-ons for electronics protection, roof leak repairs and a pool and spa.
American Home Shield add-ons
American Home Shield offers six add-ons. See pricing for the most popular additional coverage items below.
| Optional coverage | Monthly cost |
|---|---|
| Septic pump | $4.99 |
| Roof leak repair | $9.99 |
| Well pump | $9.99 |
| Guest unit | $12.99 |
| Electronics protection | $14 |
| Pool and spa | $20.99 |
Liberty Home Guard add-ons
Liberty Home Guard offers coverage for up to 35 add-ons. Below are the prices for the most common items:
| Optional coverage | Monthly cost |
|---|---|
| Ice maker | $3.99 |
| Water line | $4.99 |
| Stand-alone freezer | $5.99 |
| Second refrigerator | $7.99 |
| Sump pump | $8.99 |
| Central vacuum | $8.99 |
| Sprinkler system | $9.99 |
| Hot water dispenser | $9.99 |
| Additional spa | $9.99 |
| Roof leak repair | $11.99 |
| Septic tank | $12.99 |
| Well pump | $12.99 |
| Pool and spa | $19.99 |
| Electronics protection | $19.99 |
| Guest unit | $35.99 |
What American Home Shield customers say
American Home Shield customers often praise the convenience of its online claims process and the ability to video-chat with a home repair expert. Many reviewers mention fast response times and professional technicians who resolved issues quickly. Long-term members said the warranty has saved them money on costly repairs and replacements over the years.
Some customers, however, noted occasional delays in getting parts or mixed experiences with contractors. A few also mentioned higher out-of-pocket costs than expected.
“I've been with American Home Shield for a few months now, and I would surely recommend their services, especially for those who do not have a regular, dependable repair person.”
What Liberty Home Guard customers say
Reviews of Liberty Home Guard are mostly positive on service and support. Many customers say reps are fast, patient and proactive about getting repairs approved and explaining coverage. Several call out smooth scheduling through the app, next-day dispatch on urgent HVAC issues and approvals for replacements when repairs weren’t possible.
Most negative reviews are due to claims denials for specific conditions and confusion about what’s covered.
“My first experience with Liberty Home Guard went smoothly. I filed my claim through the app, and they quickly assigned a local plumber for the next day.”
Bottom line: American Home Shield or Liberty Home Guard?
American Home Shield and Liberty Home Guard both provide coverage for major systems and appliances. American Home Shield stands out for its transparent policies and broader coverage of labor costs, while Liberty Home Guard appeals to homeowners who want more add-on options and personalized service.
- American Home Shield is best for for homeowners who want straightforward coverage with fewer exclusions and strong protection for labor costs. Its long track record and wide contractor network also make it appealing if you prioritize reliability.
- Liberty Home Guard is best for for those who want to customize their warranty with a large menu of add-ons and prefer more flexibility in using their own technicians.
