Liberty Home Guard vs. Fidelity National Home Warranty

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Liberty Home Guard

What is the difference between Liberty Home Guard and Fidelity National Home Warranty?

A home warranty can save a homeowner thousands of dollars when the need for a major repair comes up. If you’d rather not risk paying for potential repairs out of pocket and think a home warranty — not to be confused with homeowners insurance — might be right for you, it’s smart to thoroughly vet all your options. Here we compare two home warranty companies, Liberty Home Guard and Fidelity National Home Warranty, side by side to help you make the right decision.


liberty home guard logofidelity national home warranty logo
Monthly premium cost$64.99 to $74.99$29 to $37
Average cost for combo plan$74.99 (Total Home Guard)$33
Annual premium cost$624.99 to $749.99$350 to $445
Service call fee$125$75
Discounts availableOne month free for each year of contract if paid upfront (up to 5 months free for 5-year contract)Not specified
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)
fidelity national home warranty logo$29 to $37$33$350 to $445$75Not specified


liberty home guard logofidelity national home warranty logo
Plans availableAppliance Guard, Systems Guard, Total Home GuardStandard
Covered systems810
Covered appliances75
Combo plan covered items1521
Service recall period60-day workmanship warrantyNot listed
Availability45 states15 states
liberty home guard logoAppliance Guard, Systems Guard, Total Home Guard871560-day workmanship warranty45 states
fidelity national home warranty logoStandard10521Not listed15 states

Appliances coverage

liberty home guard logofidelity national home warranty logo
Built-in food centers
Built-in microwaves
Clothes dryersAdd-on coverage
Clothes washersAdd-on coverage
Ice makerAdd-on
Instant hot/cold water dispensersAdd-on
Ranges, ovens and cooktops
RefrigeratorsAdd-on coverage
Trash compactorsAdd-on
Water sensors
Whirlpool bathtubWhirlpool motor pump covered
liberty home guard logoAdd-onAdd-onAdd-on
fidelity national home warranty logoAdd-on coverageAdd-on coverageAdd-on coverageWhirlpool motor pump covered

Systems coverage

liberty home guard logofidelity national home warranty logo
Air conditioningAdd-on coverage
Ceiling fans
Central vacuumsAdd-on
Garage door openers
Garbage disposals
Smoke detectors
Water heaters
liberty home guard logoAdd-on
fidelity national home warranty logoAdd-on coverage

Other coverage

liberty home guard logofidelity national home warranty logo
Guest unit
Roof leak repairsAdd-onAdd-on
Second refrigeratorAdd-on
Septic pumpAdd-onSeptic leak coverage; add-on available
Stand-alone freezerAdd-on
Well pumpAdd-on
liberty home guard logoAdd-onAdd-onAdd-onAdd-onAdd-onAdd-onAdd-on
fidelity national home warranty logoAdd-onAdd-onSeptic leak coverage; add-on availableAdd-on

Reputation on ConsumerAffairs

liberty home guard logofidelity national home warranty logo
Overall star rating4.41.1
Verified customer reviewsRead reviewsRead reviews
liberty home guard logo4.4Read reviews
fidelity national home warranty logo1.1Read 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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    Liberty Home Guard

    Liberty Home Guard is a home warranty company with easy-to-understand service plans in 45 states and Washington D.C. It stands by its service with a 60-day warranty on repairs, and customers can make claims 24/7. Compared with other home warranty companies, Liberty Home Guard has an extensive list of add-on coverage to supplement its service contracts.

    Liberty Home Guard plans

    Liberty Home Guard offers three service plans and many add-ons, including pest control and carpet cleaning. Its prices vary by state, home type and home size, but you can expect to pay from about $624.99 to $749.99 per year for coverage.

    • Systems Guard: This plan covers major systems like air conditioning, heating, ductwork, plumbing, electrical and water heater systems.
    • Appliance Guard: This plan covers major appliances including washers, dryers, refrigerators, built-in microwaves, dishwashers, garbage disposals, range/oven/cooktops, ceiling/exhaust fans and garage door openers.
    • Total Home Guard: The Total Home Guard plan combines the coverage in the Systems Guard and Appliance Guard plans.

    The company also has an extensive list of add-on service coverage:

    • Pool/spa
    • Well pump
    • Sump pump
    • Central vacuum
    • Limited roof leak
    • Lighting fixtures
    • Lawn sprinkler system
    • Saltwater pool
    • Hot water dispenser

    Other add-ons include grinder pump, generator, pest control, wine cooler, second refrigerator, ice maker and carpet cleaning coverage.

    What Liberty Home Guard customers say

    Liberty Home Guard has a rating of 4.1 out of 5 stars on our site. Customers are pleased with the ease of making claims and the caring customer service representatives. They also mentioned qualified technicians who were able to make quick repairs. Unhappy customers are most unsatisfied with the time it takes to review a claim and claim denials for items they believed should be covered.

    Liberty’s warranty plan is definitely worth paying for. We closed a deal for our new house 6 months ago and having Liberty’s plan made our lives much easier. ... Rapid, responsible, and caring."

    Nickolas of Orange County, FL

    Fidelity National Home Warranty

    Fidelity National Home Warranty’s fees are pretty affordable compared to what other home warranty companies offer, but the company does have mostly unfavorable reviews on our site. Also, the company offers service in just 15 states, so if you move you might not be able to transfer your service. Fidelity National doesn’t offer quotes online, but it does have a toll-free hotline you can call if interested. Something homeowners might appreciate about the company is that its Standard plan covers many items other companies spread over multiple packages with higher price points.

    Fidelity National Home Warranty plans

    Fidelity National Home Warranty has just one plan: the Standard plan. Annual costs range from about $350 to $445, which is much lower than other home warranty companies offer. It also offers add-ons for optional coverage.

    The Standard plan offers coverage for ovens, smoke detectors, attic and exhaust fans, ranges, hot water pumps, garage door openers, plumbing stoppages, telephone systems,  trash compactors, dishwashers, heating, ductwork, water heaters, plumbing systems, cooktops, electrical systems, bathroom whirlpool pumps, sump pumps, ceiling fans, doorbells, toilets, built-in microwaves and central vacuums.

    The company also offers these optional coverages:

    • Pool/spa
    • Washer and dryer
    • Air conditioner
    • Kitchen refrigerator
    • Limited septic leak
    • Roof leak repair

    What Fidelity National Home Warranty customers say

    Fidelity Home Warranty has only 1.2 out of 5 stars on our site at the time of publishing. Though some reviews mention quick response times, typical criticisms mention unprofessional contractors, problems with reimbursements and poor customer service.

    They were quick to respond when my water heater went out and got a plumber out to my home and replace the heater pretty quickly. They also covered most of the cost of replacement. I'd recommend them to friends and family if asked.”

    Kenneth of Wylie, TX

    Bottom line: Liberty Home Guard or Fidelity National Home Warranty?

    Liberty Home Guard is a well-rated company with extensive service coverage options and coverage throughout most of the country. Fidelity National Home Warranty is a more affordable warranty option for homeowners, but it has mostly poor customer feedback on ConsumerAffairs and doesn’t offer online quotes.

    • Liberty Home Guard is best for those who want comprehensive service plans, extensive add-on coverage and fast service.
    • Fidelity Home Warranty is best for those who live in states it services and who want a more basic and affordable home warranty plan.
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