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Liberty Home Guard vs. American Home Shield

In this article, the This Old House Reviews Team examines Liberty Home Guard and American Home Shield on their plans, cost, and customer reviews.

Home Warranty Adobe

Looking for a comparison of Liberty Home Guard vs. American Home Shield? In this review, the This Old House Reviews Team compares these two providers head-to-head on important home warranty criteria such as plans, reviews, and pricing. Continue reading for a detailed analysis of each provider and determine which offers the best home warranty.

Our Take

American Home Shield has more customizable plan options, more years of experience, and serves more states nationwide. However, Liberty Home Guard has cheaper monthly premiums, lower service fees, and a better BBB rating. Both AHS and LHG are reputable in the home warranty industry.

Liberty Home Guard vs. American Home Shield: Side-by-Side Comparison

Provider Liberty Home Guard American Home Shield
Provider Liberty Home Guard American Home Shield
This Old House rating 8.6/10 9.5/10
Get a free quote Visit site Visit site
Coverage options Appliance Guard, System Guard, and Total Home Guard ShieldSilver™, ShieldGold™, ShieldPlatinum™, and optional add-ons
Monthly premiums $39.99–$59.99 per month $40.00–$58.00 per month
Service fee $60 $75–$125
State availability 45 states and Washington D.C. 49 states (all except Alaska)
BBB rating B+ B
Years in business 2 49

Pros and Cons of Liberty Home Guard

Pros Cons
Pros Cons
Offers a 60-day workmanship guarantee for repairs Can’t choose your own service technician without authorization
24/7 customer service Not available in CA, HI, IL, IN, IA, OR, WA, WI, and WY
Offers 20 optional add-ons Only has two years of industry experience

A relatively new company, Liberty Home Guard started selling home warranties in 2019. Liberty Home Guard offers three different coverage plans and 20 optional coverage items to include with any plan.

For a free quote from Liberty Home Guard, fill out this online form or call 866-452-9107.

Pros and Cons of American Home Shield

Pros Cons
Pros Cons
Offers coverage for undetectable pre-existing conditions Doesn’t provide coverage in Alaska
Covers 21 different home items in its Combo Plan Only offers five optional add-ons
Provides generous coverage caps on major systems and appliances

American Home Shield is one of the most popular home warranty providers in the industry and was also ranked as one of the best home warranty companies by our This Old House Reviews Team.

To get $50 off of a new plan, call American Home Shield at 844-529-9298 or complete this form.

Liberty Home Guard vs. American Home Shield Coverage

Both American Home Shield and Liberty Home Guard offer coverage plans for appliances and systems. Liberty Home Guard offers more optional add-ons than American Home Shield, but American Home Shield covers more items in each of its plans.

Liberty Home Guard Coverage

There are three Liberty Home Guard plans: Appliance Guard, System Guard, and Total Home Guard. The Appliance Guard plan covers nine appliances, the System Guard plan covers six systems, and the Total Home Guard plan covers all 15 of these items.

Liberty Home Guard Plan Comparison

Plans Appliance Guard System Guard Total Home Guard
Plans Appliance Guard System Guard Total Home Guard
Clothes washer
Clothes dryer
Kitchen refrigerator
Built-in microwave oven
Dishwasher
Garbage disposal
Range/oven/cooktop
Ceiling and exhaust fans
Garage door openers
Air conditioning
Heating
Ductwork
Plumbing
Electrical
Water heater

Liberty Home Guard offers 20 optional add-ons that you can purchase separately with any plan:

  • Pool and spa
  • Gutter cleaning
  • Floor/carpet cleaning
  • Additional spa
  • Sump pump
  • Limited roof leak
  • Stand alone freezer
  • Septic system pumping
  • Pest control
  • Central vacuum
  • Re-key
  • Second refrigerator
  • Well pump
  • Fixtures (lighting and plumbing)
  • Water softener
  • Electronics protection
  • Lawn sprinkler system
  • Swamp cooler
  • Ejector pump
  • Grinder pump

American Home Shield Coverage

There are three American Home Shield plans: ShieldSilver™, ShieldGold™, and ShieldPlatinum™. ShieldGold covers laundry and kitchen appliances with major household systems, and ShieldSilver covers 11 major home systems. ShieldPlatinum offers comprehensive coverage for both systems and appliances with extra benefits such as coverage boosts and roof leak coverage.

American Home Shield Plan Comparison

Systems and Appliances ShieldSilver™ ShieldGold™ ShieldPlatinum™
Systems and Appliances ShieldSilver™ ShieldGold™ ShieldPlatinum™
Air Conditioning
Heating System
Ductwork
Electrical
Doorbells
Smoke Detectors
Ceiling Fans
Plumbing and Stoppages
Water Heaters
Water Dispensers
Central Vacuums
Refrigerators
Ranges, Ovens, and Cooktops
Clothes Washer
Clothes Dryers
Dishwashers
Built-In Microwave
Trash Compactors
Freestanding Ice Maker
Garage Door Opener
Built-In Food Centers
Coverage Boost
Roof Leak Coverage

Here are the five optional add-ons offered by American Home Shield:

  • Well pump
  • Pool and spa
  • Septic pump
  • Electronic extended warranty
  • Guest units up to 750 square feet

Liberty Home Guard vs. American Home Shield Cost

Liberty Home Guard offers a cheaper monthly premium than American Home Shield. Regarding service call fees, Liberty Home Guard offers a $60 service fee for all customers, while American Home Shield allows customers to select their own service fee between $75–$125.

With American Home Shield, choosing a lower service fee may lead to a higher monthly premium, while homeowners who are willing to pay a higher service fee will have a relatively lower monthly premium.

Note: The cost of a home warranty depends on where you live, the square footage of your home, and the type of plan you choose. Because of these factors, getting a quote from both providers is the best way to determine the specific cost of a home warranty for your situation.

Home Warranty Cost Comparison

Provider Liberty Home Guard American Home Shield
Provider Liberty Home Guard American Home Shield
Monthly Premium Cost $39.99–$59.99 per month 40.00–$58.00 per month
Service Fee Deductible $60 $75–$125

Liberty Home Guard vs. American Home Shield Reviews

Liberty Home Guard and American Home Shield both earned positive ratings from the Better Business Bureau (BBB) and are accredited by the organization.

Home Warranty Reviews Comparison

Provider Liberty Home Guard American Home Shield
Provider Liberty Home Guard American Home Shield
BBB rating A+ B
BBB accreditation Yes Yes
Number of customer reviews on BBB webpage 329 reviews 6,267 reviews
Average BBB customer review rating (out of 5 stars) 4.8 stars 2.9 stars

Our Conclusion

Liberty Home Guard and American Home Shield both offer comprehensive plans that protect major systems and appliances within the home. Liberty Home Guard offers more optional add-ons than American Home Shield, but American Home Shield offers more coverage plans with more comprehensive options Both providers offer affordable plans and have received positive customer reviews.

Because of American Home Shield’s years of experience in the industry and its fully customizable plan option, we recommend this provider for most homeowners, especially those looking to customize coverage. To learn more about each provider, read our Liberty Home Guard review and our American Home Shield review.

Frequently Asked Questions About Home Warranties

Should I purchase a home warranty?

Purchasing a home warranty plan provides peace of mind for homeowners by protecting them from expensive repairs that they can’t afford. Since major home systems and appliances will break down from normal wear and tear and may need repairs from time to time, a home warranty can offer you protection and save you money.

How does a home warranty work?

With home warranty coverage, you pay a monthly premium of about $25 to $60. When one of your systems or appliances breaks down, you file a claim and pay a service fee of about $75 to $125.

What is the waiting period on a home warranty?

Many home warranty companies require you to wait a specific amount of time after purchasing your plan before you can submit your first claim. Both Liberty Home Guard and American Home Shield require you to wait 30 days before going through the claims process.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.