Choice Home Warranty vs. Liberty Home Guard
Compare coverage, cost and reviews
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Choice Home Warranty (CHW) and Liberty Home Guard (LHG) are both providers in the home warranty industry. The two companies have handled millions of service requests, and both have a national network that includes thousands of service contractors.
In this review, we’ll compare Choice Home Warranty and Liberty Home Guard by examining each company’s protection plans, prices and customer reviews.
By comparing the two companies, we hope to help make it easier for you to decide which warranty provider meets your needs the best.
Choice Home Warranty vs. Liberty Home Guard cost
When comparing costs, Liberty Home Guard has a lower potential service fee, the amount paid when a technician visits. However, Choice Home Warranty's monthly premiums start at a lower price point for its basic plans. For customers seeking the most comprehensive coverage, Liberty Home Guard offers a more affordable top-tier plan.
Choice Home Warranty plans and pricing
Choice Home Warranty offers two plans, but its service fee is always $100. You can get a discounted rate on either plan by paying annually instead of monthly:
- Basic plan: $560 per year
- Total plan: $660 per year
| Service fee | Basic | Total |
|---|---|---|
| $100 | $49.17 | $57.50 |
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.
Choice Home Warranty vs. Liberty Home Guard coverage
The main coverage difference between these companies is how they structure their basic plans. Choice Home Warranty's plans start with combined coverage for both systems and appliances. Liberty Home Guard separates these, allowing you to buy a plan that covers only appliances, like your dishwasher, or only systems, like your plumbing. Once you compare their top-tier plans, their coverage becomes almost identical.
 |  | |
| 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 | | |
Choice Home Warranty vs. Liberty Home Guard add-ons
Liberty Home Guard provides a much larger selection of optional add-ons with unique coverage for items like guest units, electronics protection and sprinkler systems. Choice Home Warranty’s list is shorter. Both companies provide common add-ons for items like a pool and spa or a well pump.
Choice Home Warranty add-ons
You can choose to include up to 12 add-ons with any Choice Home Warranty plan. Here’s the monthly pricing for these additional coverage items:
| Optional coverage | Monthly cost |
|---|---|
| Ice maker | $2.08 |
| Second refrigerator | $3.33 |
| Stand-alone freezer | $3.33 |
| Sump pump | $3.33 |
| Central vacuum | $3.33 |
| Septic tank pumping | $5.42 |
| Roof leak repair | $5.83 |
| Well pump | $8.33 |
| Sprinkler system | $8.33 |
| Septic system | $10 |
| Pool and spa | $15 |
| Additional spa | $15 |
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 Choice Home Warranty customers say
In reviews, customers seem to appreciate the ease of placing their claims and the quick, efficient service of technicians. Issues center on low replacement payments and disputes over expected coverage.
"We were beyond happy to get the air fixed so I can only say this was very good service we received. The technician was very polite & explained everything that was fixed. Could not have asked for a nicer person. Thank you, Choice Home Warranty, for good service! Will recommend your company to family & friends.”
What Liberty Home Guard customers say
Overall, customers appreciate Liberty Home Guard’s helpful customer service and knowledgeable technicians. Several reviewers note the ease of filing a claim. Frustrations with customer service and deductibles that are higher than expected are the main criticisms from customers that were unsatisfied with the company.
"I was just so impressed by that intelligent process from a home warranty company that it turned me into a customer for life. I have been with them for about 2 years now and undoubtedly will continue with them.”
Bottom line: Choice Home Warranty or Liberty Home Guard?
Choice Home Warranty has a lower starting price for its plans in comparison to Liberty Home Guard. It offers two plans, Basic and Total, and they are available in all states except for California and Washington.
Liberty Home Guard has easy-to-understand plans. It offers a great deal of flexibility in its contracts, and its plans are available in 90% of the country.
- Choice Home Warranty is best for new homeowners who are just deciding whether or not a home warranty plan is right for them. Occasional specials can make coverage plans even more affordable.
- Liberty Home Guard is best for anyone who wants a warranty for appliances only or home systems only. The month-to-month contract option provides extra flexibility for homeowners who don’t want to be locked into a yearlong contract.
