Liberty Home Guard vs. First American Home Warranty
Compare coverage, cost and reviews
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When choosing a home warranty, homeowners should compare coverage, pricing and reliability to find the best fit. This process can get a little tricky when deciding between more than one reputable company, though.
Liberty Home Guard and First American Home Warranty are two well-reviewed warranty providers with a few key differences. This guide will break down the features of each company to help you decide between them.
Liberty Home Guard vs. First American Home Warranty cost
Your choice between these providers may come down to budget priorities. If a lower monthly payment for entry-level coverage is most important, First American Home Warranty is the stronger choice. However, for those who want to minimize the one-time service fee for a technician's visit or need a more affordable high-tier plan, Liberty Home Guard proves to be the more economical option.
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 |
First American Home Warranty plans and pricing
You can select a service fee of $100 or $125 with First American Home Warranty. You’ll pay $25 more out of pocket for repairs with the higher service fee, but your plan will cost you $5 less monthly.
| Service fee | Starter | Essential | Premium |
|---|---|---|---|
| $100 | $47 | $62 | $82 |
| $125 | $42 | $57 | $77 |
*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. First American Home Warranty coverage
Liberty Home Guard starts by offering separate plans that cover either just your home’s appliances or just its major systems. In contrast, First American’s basic plan is an all-in-one package from the start, covering both appliances, like your dishwasher, and systems, like your plumbing. As you look at their more expensive plans, this difference mostly disappears, with both companies offering similar, comprehensive coverage for the same major items.
 |  | |
| 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. First American Home Warranty add-ons
Liberty Home Guard offers a much larger selection of optional add-ons with unique coverage for items like guest units, septic systems and standalone freezers. First American Home Warranty’s list is shorter and focuses on a few standard extras. Both companies provide common add-ons for items like a pool and spa or a well pump.
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 |
First American Home Warranty add-ons
If you’d like additional coverage, First American Home Warranty lets you pick up to 12 add-ons. Here’s the monthly cost of the most popular options:
| Optional coverage | Monthly cost |
|---|---|
| Septic pump | $4.99 |
| Roof leak repair | $9.99 |
| Well pump | $9.99 |
| Guest unit | $12.99 |
| Pool and spa | $20.99 |
What Liberty Home Guard customers say
Reviews of Liberty Home Guard are mostly positive, with customers calling out its great customer service and the quality of its contractors. Reviewers were particularly impressed with how efficiently repairs were completed. Among customers who weren't pleased with the service they received, most comments centered on slow service, while a few others mentioned claims that were denied for small component failure on covered systems and appliances.
The service for fixing our oven was very good and I did not have to wait too long. ... He was knowledgeable and seemed really motivated to help us. He also had good things to say about Liberty Home which was encouraging.”
– Andre of Staten Island, NY
What First American Home Warranty customers say
First American Home Warranty customers frequently praise the helpfulness of its customer service during the claims and repairs process. While some had issues with repairs not being completed, many customers were very pleased with their contractors' politeness and professionalism. When an item couldn't be repaired, positive reviewers were typically satisfied with the amount of money they received to purchase a new appliance.
Everyone involved with our warranty company was very professional, courteous and very helpful. I would refer this company to anyone who could use their services. They made our whole experience very easy. American warranty made sure we were helped immediately.”
– John of Copperopolis, CA
Bottom line: Liberty Home Guard or First American Home Warranty?
Liberty Home Guard and First American Home Warranty have similarly positive reputations among their customers, and the companies' warranties mostly cover the same systems and appliances. First American offers unique coverage options and lower annual premiums, but Liberty Home Guard has a larger number of add-on options and wider availability. Either of these companies could be a good option for homeowners and sellers.
- Liberty Home Guard is best for those who want to customize their coverage with add-ons. It also offers a systems-only plan, which First American doesn’t.
- First American Home Warranty is best for homeowners who want coverage for unorthodox items like cranes or code upgrades. Policies through this company are also a little more affordable, making it a good option if you’re on a budget.
