Liberty Home Guard vs. OneGuard

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Liberty Home Guard

What is the difference between Liberty Home Guard and OneGuard?

Home repairs are often expensive and unexpected, but a home warranty can help offset these costs. It’s important to note that home warranties and home insurance are different, and warranties cover things insurance doesn't. However, finding the right warranty company can be hard. We’re looking at Liberty Home Guard and OneGuard side by side to help make your decision easier.


liberty home guard logooneguard logo
Monthly premium cost$64.99 to $74.99$32 to $59
Average cost for combo plan$74.99 (Total Home Guard)$59 (HomeGuard)
Annual premium cost$624.99 to $749.99$384 to $708
Service call fee$125$69
Discounts availableOne month free for each year of contract if paid upfront (up to 5 months free for 5-year contract)Military discount
liberty home guard logo$64.99 to $74.99$74.99 (Total Home Guard)$624.99 to $749.99$125One month free for each year of contract if paid upfront (up to 5 months free for 5-year contract)
oneguard logo$32 to $59$59 (HomeGuard)$384 to $708$69Military discount


liberty home guard logooneguard logo
Plans availableAppliance Guard, Systems Guard, Total Home GuardApplianceGuard, SystemGuard, HomeGuard
Covered systems89
Covered appliances711
Combo plan covered items1518
Service recall period60-day workmanship warranty30 days
Availability45 states3 states
liberty home guard logoAppliance Guard, Systems Guard, Total Home Guard871560-day workmanship warranty45 states
oneguard logoApplianceGuard, SystemGuard, HomeGuard9111830 days3 states

Appliances coverage

liberty home guard logooneguard logo
Built-in food centers
Built-in microwaves
Clothes dryers
Clothes washers
Ice makerAdd-on
Instant hot/cold water dispensersAdd-on
Ranges, ovens and cooktops
Trash compactorsAdd-on
Water sensors
Whirlpool bathtub
liberty home guard logoAdd-onAdd-onAdd-on
oneguard logo

Systems coverage

liberty home guard logooneguard logo
Air conditioning
Ceiling fans
Central vacuumsAdd-on
DuctworkOnly for covered HVAC units
Garage door openers
Garbage disposals
Smoke detectors
Water heaters
liberty home guard logoAdd-on
oneguard logoOnly for covered HVAC units

Other coverage

liberty home guard logooneguard logo
Guest unitAdd-on
Roof leak repairsAdd-on
Second refrigeratorAdd-onAdd-on
Septic pumpAdd-on
Stand-alone freezerAdd-on
Well pumpAdd-onAdd-on
liberty home guard logoAdd-onAdd-onAdd-onAdd-onAdd-onAdd-onAdd-on
oneguard logoAdd-onAdd-onAdd-onAdd-onAdd-on

Reputation on ConsumerAffairs

liberty home guard logooneguard logo
Overall star rating4.44.3
Verified customer reviewsRead reviewsRead reviews
liberty home guard logo4.4Read reviews
oneguard logo4.3Read reviews

All prices are based on a quote for a house of less than 5,000 square feet in Austin, Texas. All information accurate as of publishing.

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    Liberty Home Guard

    Liberty Home Guard gives you 24/7 access to an online portal and claims center. Coverage is available in all states except California, Illinois, Washington, Wisconsin and Wyoming.

    Liberty Home Guard plans

    Liberty Home Guard offers three home warranty plans to fit varying needs and budgets:

    • Appliance Guard: The Appliance Guard plan provides coverage for kitchen and home appliances. This includes your washer, dryer, ranges, ovens, cooktops, exhaust fans, refrigerator, built-in microwaves, garbage disposals, garage door openers and ceiling fans.
    • Systems Guard: The Systems Guard plan is for major home systems only. Coverage includes your heating system, air conditioning system, plumbing system, electrical system, ductwork and water heaters.
    • Total Home Guard: The Total Home Guard plan combines the Appliance Guard and Systems Guard packages.

    There are also 30 add-on coverage options available for any of these plans.

    What Liberty Home Guard customers say

    Customers have pretty positive things to say about Liberty Home Guard on our site. Many say the claims process is easy and that technicians are dispatched quickly. Other customers are impressed with the company’s willingness to learn and improve. However, frustrated customers say the long claims and repair times can be difficult and that claims are often denied.

    Liberty Home Guard is the only home warranty company that operates truthfully and as advertised. They don’t just tell you that everything is covered, overpromising and under-delivering. If anything they do the opposite. On my first claim, the repairman was above expectations and knew what he was doing.”

    Lauren of White Plains, NY


    OneGuard offers home warranty and service plans in Arizona, Nevada and Texas. It has different plans for real estate professionals, homebuyers, home sellers and existing homeowners. Its offerings can vary by state as well.

    OneGuard plans

    For existing homeowners, OneGuard has three package options — one for appliances, one for systems and a combination plan that covers both:

    • ApplianceGuard: ApplianceGuard coverage includes your refrigerator (with ice maker and dispenser), dishwasher, range/oven/cooktop, built-in microwave, garbage disposal, instant hot water dispenser, trash compactor, washer and dryer. It also covers maintenance services like re-keying, garage remote reprogramming, carpet cleaning, pest control, dryer vent cleaning, termite treatment, lawn maintenance and window cleaning.
    • SystemGuard: SystemGuard covers home systems like your air conditioning, heating, plumbing (and plumbing stoppages), water heater, electrical system, ceiling and exhaust fans, central vacuum, smoke detectors, doorbells, garage door opener, equipment disposal, permits and code upgrades. Additionally, it covers services like air conditioning and heating tuneups, garage door tuneups, re-keying, garage remote reprogramming, carpet cleaning, window cleaning, dryer vent cleaning, pest control and lawn services.
    • HomeGuard: HomeGuard covers all the systems and appliances covered in the ApplianceGuard and SystemGuard plans.

    There are also several add-on options to cover things like pools, additional appliances and preexisting conditions. However, not all plans can receive every add-on.

    What OneGuard customers say

    Customers rate OneGuard highly for its customer service and professional technicians. Customers also say the claims process is easy and quick. Negative reviewers have said that calling customer service results in long hold times and that claims have been denied, though.

    My son and his husband live in Phoenix and they have OneGuard. They always had wonderful results. I knew by them that OneGuard stood behind what they said they would do. Thru their recommendation, I decided that’s who I’d go with. They've always been very good.”

    Gale of Las Vegas, NV

    Bottom line: Liberty Home Guard or OneGuard?

    Liberty Home Guard and OneGuard both offer similar options for home warranties, but OneGuard has a much smaller service range. On the plus side, OneGuard offers maintenance services as part of its warranty packages, and it’s a little bit cheaper.

    • Liberty Home Guard is best for people who don’t live in Texas, Nevada or Arizona.
    • OneGuard is best for people in Arizona, Texas or Nevada who are looking for maintenance services rolled into their home warranty coverage.
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