Liberty Home Guard vs. OneGuard Home Warranties
Compare coverage, cost and reviews
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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 Home Warranties side by side to help make your decision easier.
Liberty Home Guard vs. OneGuard Home Warranties cost
When comparing costs, Liberty Home Guard has a lower potential service fee, the amount paid when a technician visits. However, OneGuard Home Warranties' monthly premiums start at a lower price point for its basic plans. For customers seeking the most comprehensive coverage, Liberty Home Guard offers a more affordable top-tier plan.
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 |
OneGuard Home Warranties plans and pricing
You can choose a service fee of $100 or $125 with OneGuard Home Warranties. If you’re OK paying $25 more when you need to make a claim, you can reduce the monthly cost of your plan by $10.
| Service fee | ShieldSilver | ShieldGold | SheldPlatinum |
|---|---|---|---|
| $100 | $39.99 | $59.99 | $89.99 |
| $125 | $29.99 | $49.99 | $79.99 |
*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. OneGuard Home Warranties coverage
Your choice between these two companies may depend on the type of coverage you need upfront. OneGuard Home Warranties bundles both systems, like heating, and appliances, like your refrigerator, into all of its plans. Liberty Home Guard, on the other hand, provides specialized entry-level options that cover only appliances or only systems, offering more flexibility if you don't need combined coverage.
 |  | |
| 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. OneGuard Home Warranties add-ons
While both companies offer common add-ons like pool and spa or well pump coverage their specialty options differ significantly. Liberty Home Guard has a much more extensive list with unique coverage for items like guest units, sprinkler systems and septic systems. OneGuard Home Warranties' selection is smaller and sticks to more traditional upgrades.
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 |
OneGuard Home Warranties add-ons
OneGuard Home Warranties provides six optional add-ons. The monthly cost of coverage for each of these items is listed below:
| Optional coverage | Monthly cost |
|---|---|
| Septic pump | $4.99 |
| Roof leak repair | $9.99 |
| Well pump | $9.99 |
| Guest unit | $12.99 |
| Electronics protection | $14 |
| Pool and spa | $20.99 |
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.”
What OneGuard Home Warranties customers say
Customers rate OneGuard Home Warranties 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.”
Bottom line: Liberty Home Guard or OneGuard Home Warranties?
Liberty Home Guard and OneGuard Home Warranties 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 Home Warranties is best for people in Arizona, Texas or Nevada who are looking for maintenance services rolled into their home warranty coverage.
