Liberty Home Guard vs. America's 1st Choice Home Club
What is the difference between Liberty Home Guard and America's 1st Choice Home Club?
Having a home warranty makes it easier and less expensive to get appliances and systems back in working order. Liberty Home Guard and America’s 1st Choice Home Club are two of the leading names in the industry. We break down plans, costs and other features of each company to help you find the right coverage for your home.
Cost
 |  | |
| Monthly premium cost | $64.99 to $74.99 | $32.08 to $55 |
| Average cost for combo plan | $74.99 (Total Home Guard) | $55 |
| Annual premium cost | $624.99 to $749.99 | $330 to $550 |
| Service call fee | $125 | $75, $100 or $125 |
| Discounts available | One month free for each year of contract if paid upfront (up to 5 months free for 5-year contract) | Discount for paying annually |
| $64.99 to $74.99 | $74.99 (Total Home Guard) | $624.99 to $749.99 | $125 | One month free for each year of contract if paid upfront (up to 5 months free for 5-year contract) |
| $32.08 to $55 | $55 | $330 to $550 | $75, $100 or $125 | Discount for paying annually |
Plans
| | |
| Plans available | Appliance Guard, Systems Guard, Total Home Guard | Systems, Silver, Gold, Platinum |
| Covered systems | 8 | 8 |
| Covered appliances | 7 | 8 |
| Combo plan covered items | 15 | 16 |
| Service recall period | 60-day workmanship warranty | Up to 3 years |
| Availability | 45 states | 49 states |
| Appliance Guard, Systems Guard, Total Home Guard | 8 | 7 | 15 | 60-day workmanship warranty | 45 states |
| Systems, Silver, Gold, Platinum | 8 | 8 | 16 | Up to 3 years | 49 states |
Appliances coverage
| | |
| Built-in food centers | — | — |
| Built-in microwaves | ||
| Clothes dryers | ||
| Clothes washers | ||
| Dishwashers | ||
| Ice maker | Add-on | |
| Instant hot/cold water dispensers | Add-on | Add-on |
| Ranges, ovens and cooktops | ||
| Refrigerators | ||
| Trash compactors | Add-on | — |
| Water sensors | — | — |
| Whirlpool bathtub | — | — |
| — | Add-on | Add-on | Add-on | — | — | ||||||
| — | Add-on | — | — | — |
Systems coverage
| | |
| Air conditioning | ||
| Ceiling fans | ||
| Central vacuums | Add-on | — |
| Doorbells | — | — |
| Ductwork | ||
| Electrical | ||
| Garage door openers | ||
| Garbage disposals | ||
| Heating | ||
| Plumbing | ||
| Smoke detectors | — | — |
| Water heaters |
| Add-on | — | — | |||||||||
| — | — | — |
Other coverage
| | |
| Guest unit | — | — |
| Pools | Add-on | Add-on |
| Roof leak repairs | Add-on | Add-on |
| Second refrigerator | Add-on | — |
| Septic pump | Add-on | Add-on |
| Spas | Add-on | Add-on |
| Stand-alone freezer | Add-on | Add-on |
| Well pump | Add-on | — |
| — | Add-on | Add-on | Add-on | Add-on | Add-on | Add-on | Add-on |
| — | Add-on | Add-on | — | Add-on | Add-on | Add-on | — |
Reputation on ConsumerAffairs
| | |
| Overall star rating | 4.4 | 4.4 |
| Verified customer reviews | Read reviews | Read reviews |
| 4.4 | Read reviews |
| 4.4 | Read 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.
Liberty Home Guard
Liberty Home Guard offers three levels of home warranty plans. These cover home systems, appliances or a combination of both. The company gives customers the option to pay monthly or yearly, with a discount for the annual plan if you pay upfront. There's an online claim filing option, and technicians are dispatched 24 to 48 hours after a claim is made. Liberty Home Guard is available in all states except California, Washington, Wyoming, Wisconsin and Illinois.
Liberty Home Guard plans
- Appliance Guard: Appliance Guard covers kitchen and home appliances, including a washer and dryer, refrigerator, built-in microwave, dishwasher, garbage disposal, ranges, ovens, cooktops, ceiling and exhaust fans and garage door openers. Pricing typically starts at $64.99 per month.
- Systems Guard: Systems Guard covers major home systems. These include air conditioning, heating, ductwork, plumbing, electrical and water heaters. The Systems Guard plan costs about $69.99 per month.
- Total Home Guard: Total Home Guard is Liberty Home Guard’s most comprehensive and economical plan, combining coverages of both the Appliance Guard and the Systems Guard plans. Pricing is typically $74.99 per month.
Liberty Home Guard also offers over 25 optional coverages for things like pest control, carpet cleaning, gutter cleaning and roof leaks.
*Pricing is based on quotes for a single-family home with less than 5,000 square feet in Oklahoma City.
What Liberty Home Guard customers say
Many Liberty Home Guard customers write positive reviews on ConsumerAffairs. A common theme is that the company keeps its promises and overdelivers. Additionally, customers praise the technicians the company contracts, calling them professional, knowledgeable and skilled at repairs. Some customers say deductibles and fees aren’t transparent and that it can be difficult to connect with customer service, however.
We have been enrolled with them for 2 years already with the total home guard plan, and will definitely be renewing. They don’t intentionally make filing claims and getting in contact with their support team difficult, like other home warranty companies will do, in order to get out of service. Thank you for keeping your promises Liberty Home Guard!”
— Barbara of Lakewood, NJ
America's 1st Choice Home Club
America’s 1st Choice Home Club offers four home warranty plans. Customers can choose from appliance coverage, systems coverage and two combination plans. The company gives you the option to pay monthly or to pay yearly at a discounted rate. America’s 1st Choice Home Club is available in 38 states.
America's 1st Choice Home Club plans
- Systems Plan: The Systems Plan covers your water heater, air conditioning, heating, electrical system, plumbing and ductwork. The Systems plan starts around $37 per month or $394 per year.
- Silver Plan: The Silver Plan focuses on appliances, covering your clothes washer and dryer, refrigerator, ovens, range, dishwasher, garbage disposal and garage door openers. The Silver Plan starts around $32 per month or $330 per year.
- Gold Plan: The Gold Plan offers a combination of systems and appliance coverage. It combines all items covered under the Systems and Silver plans. Pricing for combo plans with AFC Home Club averages about $55 per month or around $550 per year.
- Platinum Plan: The Platinum Plan offers the most coverage available from the company. It covers everything in the Gold Plan, plus plumbing stoppages, a built-in microwave, an ice maker and fans.
America’s 1st Choice Home Club has optional coverages for a central vacuum, electronics, a sump pump, septic system, hot water dispenser, pool and spa, roof leak repairs and a stand-alone freezer.
What America's 1st Choice Home Club customers say
America’s 1st Choice Home Club has mixed reviews on ConsumerAffairs. Some customers are very happy with the level of customer service and say the claims process is easy and quick. However, other customers say the company is difficult to reach by phone and denies claims. Reviewers commonly say the technicians in AFC Home Club’s network are professional and good at repairs.
Called in a claim over holiday weekend. They gave me flexibility to hire my own licensed repairman or have them dispatch. Tuesday morning, my repairmen showed up. Called in the diagnosis and all done, approved and paid out fine. Really is pleasant when the warranty company helps you get the best results. Thanks!”
— Brian of Forest Lake, MN
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Bottom line: Liberty Home Guard or America's 1st Choice Home Club?
Liberty Home Guard and America’s 1st Choice Home Club both offer similar types of home warranty plans, including systems-only coverage, appliances-only coverage and combination plans. Each company has similarly good reviews from customers on ConsumerAffairs.
- Liberty Home Guard is best for those who want coverage for systems only, appliances only or both and the ability to choose from more add-on protections.
- America’s 1st Choice Home Club is best for customers who want more plan options and the flexibility to choose a service call fee.
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