Liberty Home Guard vs. HomeServe
Compare coverage, cost and reviews
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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.
Liberty Home Guard vs. HomeServe cost
HomeServe stands out with a lower starting service fee, which is what you pay per service call. It also offers more affordable monthly rates for its introductory and top-tier plans. This makes HomeServe the more budget-friendly option across the board compared to Liberty Home Guard.
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 |
HomeServe plans and pricing
HomeServe is unique among home warranty companies. It has no service fee and offers no add-ons. Instead, it has 17 plans — far more than the standard one to four that most companies offer. With the company’s a la carte style of coverage, you can combine plans that best suit your needs. Monthly pricing for three of its plans is shown below.
| Service fee | Electrical Surge | Heating & Cooling System | Premium Home Protection |
|---|---|---|---|
| $0 | $3.99 | $19.99 | $69.99 |
*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. HomeServe coverage
The main coverage difference between these companies is how they structure their basic plans. HomeServe's plans focus exclusively on major home systems like heating and plumbing, with no options for appliance coverage. Liberty Home Guard allows you to choose between plans that cover only systems, only appliances, or both, offering a more flexible approach.
 |  | |
| 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. HomeServe add-ons
The difference in add-on coverage between these companies is stark as HomeServe does not offer any optional add-ons. Liberty Home Guard provides a long list of extra coverage options for items like pools, spas, well pumps and septic systems. HomeServe's focus remains solely on its core plans.
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 |
HomeServe add-ons
HomeServe does not offer add-ons, unlike most other home warranty companies. Instead, it offers 17 plans that you can combine to get the coverage you want. It's a unique system that allows you to pay for what you need without requiring single-item add-ons.
What Liberty Home Guard customers say
Liberty Home Guard has more than 1,000 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 (prioritized), which I appreciated. ... Prioritization of AC claims in the summer is by design in their system.”
– Millicent of North Brunswick, NJ
What HomeServe customers say
HomeServe has over 1,000 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.
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 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.
