Liberty Home Guard vs. HomeServe
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What is the difference between Liberty Home Guard and HomeServe?
Liberty Home Guard and HomeServe provide home warranty plans that pay for repairs of appliances and systems when they break down. Each company has options to cover home systems, appliances or a combination of the two. LHG offers simple and streamlined options, and HomeServe gives customers a variety of coverage options to pick and choose from to build their ideal plan. In this article, we break down each company’s products so you find the best protection.
Cost
 |  | |
| Monthly premium cost | $64.99 to $74.99 | $7.99 to $58.33 |
| Average cost for combo plan | $74.99 (Total Home Guard) | $58.33 (TotalHome WarrantyCombo) |
| Annual premium cost | $624.99 to $749.99 | $95.88 to $699.96 |
| Service call fee | $125 | $100 on TotalHome Warranty Combo and TotalHome Warranty Appliances |
| Discounts available | One month free for each year of contract if paid upfront (up to 5 months free for 5-year contract) | 20% off your first year on TotalHome plans |
| $64.99 to $74.99 | $74.99 (Total Home Guard) | $624.99 to $749.99 | $125 | One month free for each year of contract if paid upfront (up to 5 months free for 5-year contract) |
| $7.99 to $58.33 | $58.33 (TotalHome Warranty Combo) | $95.88 to $699.96 | $100 on TotalHome Warranty Combo and TotalHome Warranty Appliance | 20% off your first year on TotalHome plans |
Plans
| | |
| Plans available | Appliance Guard, Systems Guard, Total Home Guard | TotalHome Warranty Appliance Plan, TotalHome Warranty Combo Plan, Premium Home Protection Plan and more |
| Covered systems | 8 | 8 |
| Covered appliances | 7 | 8 |
| Combo plan covered items | 15 | 16 |
| Service recall period | 60-day workmanship warranty | Typically one year; surge plans have a 90-day guarantee |
| Availability | 45 states | 50 states and parts of Canada |
| Appliance Guard, Systems Guard, Total Home Guard | 8 | 7 | 15 | 60-day workmanship warranty | 45 states |
| TotalHome Warranty Appliance Plan, TotalHome Warranty Combo Plan, Premium Home Protection Plan and more | 8 | 8 | 16 | Typically 1 year; surge plans have a 90-day guarantee | 50 states and parts of Canada |
Appliances coverage
| | |
| Built-in food centers | — | — |
| Built-in microwaves | ||
| Clothes dryers | ||
| Clothes washers | ||
| Dishwashers | ||
| Ice maker | Add-on | — |
| Instant hot/cold water dispensers | Add-on | — |
| Ranges, ovens and cooktops | ||
| Refrigerators | ||
| Trash compactors | Add-on | |
| Water sensors | — | — |
| Whirlpool bathtub | — | — |
| — | Add-on | Add-on | Add-on | — | — | ||||||
| — | — | — | — | — |
Systems coverage
| | |
| Air conditioning | ||
| Ceiling fans | — | |
| Central vacuums | Add-on | |
| Doorbells | — | |
| Ductwork | ||
| Electrical | ||
| Garage door openers | ||
| Garbage disposals | ||
| Heating | ||
| Plumbing | ||
| Smoke detectors | — | — |
| Water heaters |
| Add-on | — | — | |||||||||
| — | — |
Other coverage
| | |
| Guest unit | — | — |
| Pools | Add-on | — |
| Roof leak repairs | Add-on | — |
| Second refrigerator | Add-on | — |
| Septic pump | Add-on | — |
| Spas | Add-on | — |
| Stand-alone freezer | Add-on | — |
| Well pump | Add-on | — |
| — | Add-on | Add-on | Add-on | Add-on | Add-on | Add-on | Add-on |
| — | — | — | — | — | — | — | — |
Reputation on ConsumerAffairs
| | |
| Overall star rating | 4.4 | 4.1 |
| Verified customer reviews | Read reviews | Read reviews |
| 4.4 | Read reviews |
| 4.1 | Read 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.
Liberty Home Guard
With Liberty Home Guard, homeowners can make claims either by phone or online at any time and track their claims and service instantly. Liberty also provides a 30-day money-back guarantee. Its services are available in all states except California, Illinois, Washington, Wisconsin and Wyoming.
Liberty Home Guard plans
Liberty Home Guard sells three plans, with a service call fee of $125.
- Systems Guard: This plan covers the main systems in your home, including:
- Air conditioning
- Heating
- Ductwork
- Plumbing
- Electrical
- Water heaters
- Appliance Guard: This plan provides coverage for your home’s major appliances, including:
- Washer
- Dryer
- Refrigerator
- Built-in microwave
- Dishwasher
- Garbage disposal
- Range, oven and cooktop
- Ceiling and exhaust fans
- Garage door openers
- Total Home Guard: Total Home Guard combines both the Appliance Guard and System Guard plans for comprehensive coverage.
Liberty Home Guard offers over 20 optional coverages as well, including for a pool and spa, limited roof leak, lighting fixtures, re-key service, gutter cleaning, pest control and electronics.
What Liberty Home Guard customers say
Liberty Home Guard has more than 100 reviews on ConsumerAffairs. Many reviews talk about the customer service representatives being caring and helpful and technicians being timely. Customers who had negative experiences mention not getting callbacks and having claims denied. Overall, most customers express a positive experience with the company.
My latest issue with my Air Conditioning was immediately escalated, which I appreciated. The customer service rep Jonathan, told me that prioritization of AC claims in the summer is by design in their system. ... It’s understandable to wait a couple weeks for a new garbage disposal but doing without an AC in the heat is just untenable.”
– Millicent of North Brunswick, NJ
HomeServe
HomeServe is a home warranty provider that offers homeowners a wide selection of specific coverages. These include plumbing, electrical, heating and cooling and combo options. Not all plans are available everywhere. HomeServe has a one-year guarantee on workmanship.
HomeServe plans
HomeServe has a several plans, with some variability based on where you live.
- Plumbing: HomeServe offers interior and exterior plumbing plans, including sewer/septic line coverage and drainage systems coverage.
- Electrical: Plans are available for interior wiring and external components.
- Heating and Cooling: There are several options, including coverage for cooling systems, heating systems, water heater repair and replacement and gas lines.
- Combo Plans: Combination coverage plans include:
- Exterior pipes
- Home plumbing and drainage
- Complete plumbing
- TotalHome Warranty Appliance
- Total Home Warranty Combo
- Heating and cooling
- Interior protection plan
What HomeServe customers say
HomeServe has over 500 reviews on ConsumerAffairs. Many customers state that the company responds quickly and is easy to deal with. Customers with negative experiences mention miscommunication issues and coverage limits. The majority of customers have had a positive experience with HomeServe.
Everything always runs smooth and everything always gets taken care of. The HomeServe reps always answer all my questions and they take care of everything at a fast pace. The techs always email me, give me all the information and tell me where they are and where they're coming from. They always do a good job.”
– Margaret of Bronx, NY
Bottom line: Liberty Home Guard or HomeServe?
Liberty Home Guard and HomeServe both cover systems and appliances for homeowners. Both companies have good overall customer ratings. Liberty Home Guard offers a few clear and simple plan options, whereas HomeSense offers a variety of individual coverage options.
- Liberty Home Guard is best for homeowners who are looking for easy-to-understand coverage for systems, appliances or a combination of both, with monthly and annual payment options.
- HomeServe is best for homeowners who want highly specific coverage. HomeServe lets homeowners choose plans for specific systems or appliances. You can also choose a combo plan or mix and match to cover exactly what you need.
