Liberty Home Guard vs. Fidelity National Home Warranty
Compare coverage, cost and reviews
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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 vs. Fidelity National Home Warranty cost
When comparing costs, Liberty Home Guard has a lower potential service fee, the amount paid when a technician visits. However, Liberty Home Guard's monthly premiums start at a lower price point for its basic plans. For customers seeking the most comprehensive coverage, Fidelity National Home Warranty offers a more affordable top-tier plan.
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 |
Fidelity National Home Warranty plans and pricing
Fidelity National Home Warranty only offers one set service fee of $85. Additionally, you can only pay for a plan annually; there are no monthly payment options.
| Service fee | Standard | Comprehensive | Enhanced | Enhanced Plus |
|---|---|---|---|---|
| $85 | $510 | $620 | $715 | $855 |
*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. Fidelity National Home Warranty coverage
The main coverage difference between these companies is how they structure their basic plans. Fidelity National 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. Fidelity National Home Warranty add-ons
Liberty Home Guard provides a much larger selection of optional add-ons with unique coverage for items like electronics protection, sprinkler systems and central vacuums. Fidelity National Home Warranty’s list is shorter and focuses on a few standard extras. Both companies provide common add-ons like a pool and spa.
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 |
Fidelity National Home Warranty add-ons
In addition to the coverage from its base plans, you can choose up to 24 add-on options when you sign up with Fidelity National Home Warranty. Monthly pricing for some of the most common items is listed below:
| Optional coverage | Monthly cost |
|---|---|
| Second refrigerator | $5 |
| Septic tank pumping | $6.25 |
| Roof leak repair | $8.33 |
| Well pump | $8.33 |
| Electronics protection | $18 |
| Pool and spa | $18.75 |
What Liberty Home Guard customers say
As of publishing, 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."
What Fidelity National Home Warranty customers say
Fidelity Home Warranty currently 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.”
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.
