Having a home warranty makes it easier and less expensive to get appliances and systems back in working order. Liberty Home Guard and AFC Home Warranty 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.
Liberty Home Guard vs. AFC Home Warranty cost
AFC Home Warranty stands out with a lower starting service fee, which is what you pay per service call. It also offers more affordable monthly rates for both its introductory and top-tier plans. This makes AFC Home Warranty the more budget-friendly option across the board compared to Liberty Home Guard.
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 |
AFC Home Warranty plans and pricing
With any of AFC Home Warranty’s four plans, you can select a service fee of $75 or $125. If you’re OK paying the higher service fee when you need to file a claim, you can reduce the monthly cost of a plan by $5 or the annual cost by $50.
You can also get a discounted rate on an AFC Home Warranty plan by paying annually instead of monthly:
- Silver plan: $345 or $395 per year
- Gold plan: $445 or $495 per year
- Platinum plan: $545 or $595 per year
- Diamond plan: $745 or $795 per year
| Service fee | Silver | Gold | Platinum | Diamond |
|---|---|---|---|---|
| $75 | $35 | $45 | $55 | $75 |
| $125 | $30 | $40 | $50 | $70 |
*Cost information is accurate as of the time of publishing. Price quotes used a Texas ZIP code; pricing may vary in other locations.
Liberty Home Guard vs. AFC Home Warranty coverage
The main coverage difference between these companies is how they structure their basic plans. AFC 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 | | |
Liberty Home Guard vs. AFC Home Warranty add-ons
When comparing optional add-ons, Liberty Home Guard offers unique coverage for items like guest units, electronics protection and sprinkler systems. AFC Home Warranty provides a more standard list of extras including septic tank pumping. They both offer common options like pool and spa coverage.
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 |
AFC Home Warranty add-ons
AFC Home Warranty gives you a choice of 13 add-ons. Here are the monthly costs for the most sought-after coverage items:
| Optional coverage | Monthly cost |
|---|---|
| Roof leak | $2.08 |
| Double oven | $2.08 |
| Stand-alone freezer | $2.08 |
| Hot water dispenser | $2.08 |
| Sump pump | $2.92 |
| Built-in microwave | $4.17 |
| Well pump | $4.17 |
| In-ground pool and spa | $8.33 |
| Electronics protection | $24.99 |
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. ... 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.”
— Barbara of Lakewood, NJ
What AFC Home Warranty customers say
AFC Home Warranty 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 Warranty's network are professional and good at repairs.
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.”
— Brian of Forest Lake, MN
Bottom line: Liberty Home Guard or AFC Home Warranty?
Liberty Home Guard and AFC Home Warranty 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.
- AFC Home Warranty is best for customers who want more plan options and the flexibility to choose a service call fee.
