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

ProviderLiberty Home GuardAmerican Home Shield
This Old House rating8.6/109.5/10
Get a free quoteVisit siteVisit site
Coverage optionsAppliance Guard, System Guard, and Total Home GuardShieldSilver™, 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 availability48 states and Washington D.C.49 states (all except Alaska)
BBB ratingA+B
Years in business249

Liberty Home Guard vs. American Home Shield Pros and Cons

Pros and Cons of Liberty Home Guard

ProsCons
Offers a 60-day workmanship guarantee for repairsCan’t choose your own service technician without authorization
24/7 customer serviceNot available in WA and WI
Offers 20 optional add-onsOnly has two years of industry experience

A relatively new company, Liberty Home Guard started selling home warranties in 2017. 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

ProsCons
Offers coverage for undetectable pre-existing conditionsDoesn’t provide coverage in Alaska
Covers 21 different home items in its Combo PlanOnly 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

PlansAppliance GuardSystem GuardTotal 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 AppliancesShieldSilver™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

ProviderLiberty Home GuardAmerican Home Shield
Monthly Premium Cost$39.99–$59.99 per month40.00–$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

ProviderLiberty Home GuardAmerican Home Shield
BBB ratingAB
BBB accreditationYesYes
Number of customer reviews on BBB webpage329 reviews6,267 reviews
Average BBB customer review rating (out of 5 stars)4.8 stars2.9 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

Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers, and we aim to provide transparency in our review standards and research process.

Our research process includes speaking with representatives from more than 40 home warranty providers, requesting quotes, and asking clarifying questions to gain insight into each provider’s benefits and downsides. We also analyze sample contracts from each company to understand specific coverage terms.

To rate companies, we apply the data we have gathered to our review standards. These standards are on a 100-point scoring system, which is detailed below:

  • Coverage (35 points): Providers are scored based on breadth and depth of coverage. We focused on key home systems (HVAC, plumbing, and electrical), essential appliances (refrigerator, ovens, and laundry machines), and unique coverage items (such as roof-leak coverage and code violation allowances). Coverage scores are weighted by taking into account coverage caps and other limiting factors, meaning providers with greater range of coverage and higher coverage caps score the highest.
  • Value (30 points): A company’s plan value is a reflection of how well it serves the customer in comparison to what the customer pays for the policy. We accounted for monthly costs, service call fees, and cost flexibility (such as customizable service call fees, discounts, and multi-year policies).
  • Trustworthiness and Transparency (21 points): Trustworthiness and transparency are a reflection of how well the provider considers the customer’s interests. We scored items such as the length of workmanship guarantees, online availability of a sample contract, policy change flexibility, and ease of cancellation. Additionally, we scored items that reflect industry reputation and customer satisfaction, including analyzing brand reputation across the Better Business Bureau and third-party customer review aggregators.
  • Availability and Service (14 points): Quality of customer service is key to customer satisfaction. We dug into each provider’s guaranteed response times, claims processes, service flexibility, emergency availability, and more.

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