Liberty Home Guard vs. Home Warranty of America
Compare coverage, cost and reviews
+1 more
Both Liberty Home Guard and Home Warranty of America provide home service contracts, which pay for repairs and replacements of household appliances and systems when they stop working. We compared the companies’ plans, premiums, service call fees, add-on coverages and customer reviews to help you decide which company is right for you.
Liberty Home Guard vs. Home Warranty of America cost
Your choice between these providers may come down to budget priorities. If a lower monthly payment for entry-level coverage is most important, Home Warranty of America 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 |
Home Warranty of America plans and pricing
You can select a service fee of $75 or $100 from Home Warranty of America. The monthly pricing in the plans below is based on a $100 service fee — we were unable to get a quote for the lower service fee, but we assume it’s a higher monthly rate.
Home Warranty of America offers a discount when you pay annually rather than monthly:
- Premier plan: $550 per year
- Premier Plus plan: $700 per year
| Service fee | Premier | Premier Plus |
|---|---|---|
| $100 | $48.33 | $60.84 |
*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. Home Warranty of America coverage
The main coverage difference between these companies is how they structure their basic plans. Home Warranty of America'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. Home Warranty of America add-ons
Liberty Home Guard offers a much wider variety of specialty add-ons including septic systems, guest units and electronics protection. Home Warranty of America covers the basics like pool and spa protection but has fewer unique options. Your choice may depend on whether you need coverage for specific uncommon home items.
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 |
Home Warranty of America add-ons
You can choose up to 10 add-ons to customize your plan with Home Warranty of America. Some of the most popular add-ons’ monthly costs are listed below:
| Optional coverage | Monthly cost |
|---|---|
| Stand-alone freezer | $3.00 |
| Septic tank pumping | $4.54 |
| Septic system | $5.31 |
| Well pump | $6.08 |
| Second refrigerator | $7.62 |
| Pool and spa | $19.15 |
What Liberty Home Guard customers say
Liberty Home Guard has a good rating overall on ConsumerAffairs. Homeowners who have service contracts through LHG praise the company’s reliability and mention fast response times and successful repair experiences. They say it’s easy to reach customer service when they have claims or questions. Some reviewers are unhappy with denied or unresolved claims, and a few discuss having issues with cancellation.
"My experience of having our water heater repaired was great. I called to fill out a claim and the very next day a Liberty Home Guard contractor was already diagnosing the issue. ... Liberty Home Guard gave me no issue whatsoever and they just got it done. Very grateful to be with a company that does what they say they will.”
What Home Warranty of America customers say
Home Warranty of America has significantly more reviews on ConsumerAffairs and a slightly less favorable rating. Themes among 5-star reviews include professional and efficient handling of claims, helpful customer service, competent contractors and good value for the cost of a plan. There are some homeowners who mention delayed or unsuccessful repairs and problems with customer service.
"I've had a few questions about what was warrantied and how it worked, and their customer service was great. So far, everything's been good with their contractors. ... It's that peace of mind knowing that things are pretty well covered.”
Bottom line: Liberty Home Guard or Home Warranty of America?
Liberty Home Guard and Home Warranty of America each offer home warranty plans nationwide. Home Warranty of America’s plans cover both systems and appliances and tend to be less expensive and have a lower service call fee. Liberty Home Guard plans give you the choice to cover appliances only, systems only or both. If you’re looking for add-on coverages, you can’t go wrong with either company; LHG has around 30 options, and HWA has both single add-ons and packages.
- Liberty Home Guard is best for customers who want protection for appliances only or systems only. It’s also good for homeowners who want highly specialized add-on coverage, like for pest control, gutter cleaning or electronics.
- Home Warranty of America is best for homeowners who want to spend less and want coverage of both appliances and systems as part of a basic plan.
