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Choice Home Warranty vs. Liberty Home Guard

Choice Home Warranty and Liberty Home Guard

What is the difference between Choice Home Warranty and Liberty Home Guard?

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.

Cost

choice home warranty logoliberty home guard logo
Monthly premium cost$46.83 to $54.75$64.99 to $74.99
Average cost for combo plan$54.75 (Total plan)$74.99 (Total Home Guard)
Annual premium cost$532 to $627 (for 13 months)$624.99 to $749.99
Service call fee$85$125
Discounts availableDiscounts for paying annually; free 13th monthOne month free for each year of contract if paid upfront (up to 5 months free for 5-year contract)
choice home warranty logo$46.83 to $54.75$54.75 (Total plan)$532 to $627 (for 13 months)$85Discounts for paying annually; free 13th month
liberty home guard logo$64.99 to $74.99 $74.99 (Total Home Guard)$624.99 to $749.99$125One month free for each year of contract if paid upfront (up to 5 months free for 5-year contract)

Plans

choice home warranty logoliberty home guard logo
Plans availableBasic, TotalAppliance Guard, Systems Guard, Total Home Guard
Covered systems88
Covered appliances87
Combo plan covered items1615
Service recall period30 days for labor; 90 days for parts60-day workmanship warranty
Availability48 states45 states
choice home warranty logoBasic, Total881630 days for labor; 90 days for parts48 states
liberty home guard logoAppliance Guard, Systems Guard, Total Home Guard871560-day workmanship warranty45 states

Appliances coverage

choice home warranty logoliberty home guard logo
Built-in food centers
Built-in microwaves
Clothes dryers
Clothes washers
Dishwashers
Ice makerAdd-on
Instant hot/cold water dispensersAdd-on
Ranges, ovens and cooktops
Refrigerators
Trash compactorsAdd-on
Water sensors
Whirlpool bathtub
choice home warranty logo
liberty home guard logoAdd-onAdd-onAdd-on

Systems coverage

choice home warranty logoliberty home guard logo
Air conditioning
Ceiling fans
Central vacuumsAdd-onAdd-on
Doorbells
Ductwork
Electrical
Garage door openers
Garbage disposals
Heating
Plumbing
Smoke detectors
Water heaters
choice home warranty logoAdd-on
liberty home guard logoAdd-on

Other coverage

choice home warranty logoliberty home guard logo
Guest unitAdd-on
PoolsAdd-onAdd-on
Roof leak repairsAdd-onAdd-on
Second refrigeratorAdd-onAdd-on
Septic pumpAdd-onAdd-on
SpasAdd-onAdd-on
Stand-alone freezerAdd-onAdd-on
Well pumpAdd-onAdd-on
choice home warranty logoAdd-onAdd-onAdd-onAdd-onAdd-onAdd-onAdd-onAdd-on
liberty home guard logoAdd-onAdd-onAdd-onAdd-onAdd-onAdd-onAdd-on

Reputation on ConsumerAffairs

choice home warranty logoliberty home guard logo
Overall star rating4.04.4
Verified customer reviewsRead reviewsRead reviews
choice home warranty logo4.0Read reviews
liberty home guard logo4.4Read reviews

All prices are based on a quote for a house of less than 5,000 square feet in Austin, Texas. All information is accurate as of publishing.

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    Choice Home Warranty

    Choice Home Warranty serves homeowners, contractors, real estate professionals, buyers and sellers. The company has been honored with several awards and offers competitive coverage.

    Choice Home Warranty plans

    Choice Home Warranty offers two plans: Basic and Total.

    • Basic: The Basic plan covers different appliances and systems within the home. Most major systems, such as heating and plumbing, are included, but air conditioning is not. The plan covers basic appliances such as a water heater, cooktop and dishwasher. Prices for the Basic plan start at around $47 a month.
    • Total: The Total plan includes a total of 16 items. It covers everything protected in the Basic Plan, plus the air conditioning system, refrigerator, clothes washer and clothes dryer. Prices for the Total plan start at around $54 per month.

    Optional coverage is available for the following items:

    • Pool/spa
    • Limited roof leaks
    • Central vacuum systems
    • Sump pumps
    • Well pumps
    • Septic systems
    • Septic tank pumping systems
    • Second refrigerators
    • Stand-alone freezers

    You pay a basic service fee of $85 for each service call, regardless of the cost of the repair. CHW is available in all states except Washington and California.

    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. Complaints 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.”

    Peggy of Southhaven, MS

    Liberty Home Guard

    Liberty Home Guard claims to be the best-reviewed home warranty provider, and the company does boast several awards on its website.

    Customers can submit a claim 24/7. Warranty plans from LHG are available in 45 states and Washington, D.C.

    Liberty Home Guard plans

    LHG offers a plan for systems only, appliances only and both.  Month-to-month, annual and multiyear contracts are available for all three plans.

    • Systems Guard: The Systems Guard plan is a budget-friendly warranty plan that covers important systems in the home, including air conditioning, heating, plumbing and electrical.
    • Appliance Guard: The LHG Appliance Guard plan covers these appliances:
      • Clothes washer and dryer
      • Kitchen refrigerator
      • Built-in microwave ovens
      • Dishwashers
      • Garbage disposals
      • Ranges, cooktops and ovens
      • Ceiling fans and exhaust fans
      • Garage door openers
    • Total Home Guard: This plan combines both the appliance and system plans for comprehensive coverage.

    With LHG, you can add on coverage for a host of items, such as a generator, lawn sprinkler system, a wine cooler, lighting fixtures and pest control. Over 25 add-on coverages are available.

    Premium costs range from about $65 to $75 per month, and the service call fee for each claim is $125.

    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 complaints 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.”

    Derek of Brooklyn, NY

    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.
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    The ConsumerAffairs Research Team believes everyone deserves to make smart decisions. We aim to provide readers with the most up-to-date information available about today's consumer products and services.