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Review Liberty Home Guard Vs. American Home Shield Warranties

Home » Guides & Tips » Review Liberty Home Guard Vs. American Home Shield Warranties

American Home Shield

8.4 Very Good

  • Coverage: With plans covering anywhere from 14 to 23 home systems and appliances based on which plan tier you choose, American Home Shield offers some of the most comprehensive plans in the industry.

  • Roof Coverage: Roof leak repairs are covered in the top tier.

  • Industry Experience: Founded in 1971, AHS boasts more than 2 million members around the country. AHS responds to a customer claim every 8 seconds!

  • High Coverage Limits: Plans offer a $6,000 max appliance limit, cap-free coverage for home systems, and coverage for systems and appliances of all ages and conditions.

  • Appliance Removal: If an appliance needs to be removed, most plans pay for it.

  • Member Perks: Free HVAC tune-ups, coverage for permits and code violations, and unlimited refills for air conditioning refrigerants.

  • Flexible Service Fee: Members can select flexible deductible-like service fees by going higher or lower with monthly membership fees.

American Home Shield: Ranked #3 

American Home Shield is one of 2024’s top-rated home warranty companies in Virginia and California offering wide range of coverage options spread between three plans. Members can submit claims online or over the phone to initiate service calls through AHS’s network of approximately 17,500 qualified contractors.

American Home Shield Coverage Details:

AHS plans cover a long list of household appliances and systems that include–

  • air conditioners,
  • heating units,
  • ductwork,
  • breakers,
  • electrical lines,
  • toilets,
  • faucets,
  • water heaters,
  • refrigerators,
  • ovens,
  • ranges,
  • cooktops,
  • dishwashers,
  • built-in microwaves,
  • garbage disposals,
  • water dispensers,
  • washers,
  • dryers,
  • garage door openers,
  • ceiling fans,
  • tub motors,
  • doorbells,
  • vents,
  • exhaust fans,
  • and attic fans.

Notable features:

  • AHS automatically applies a 30-day workmanship guarantee to all services.
  • Customers also enjoy 24/7 customer support.
  • For homeowners looking for coverage for special features, AHS makes tacking on add-on coverage for pools, spas, septic pumps, and more easy.
  • In addition to being a customer favorite, AHS also has a “B” rating with the Better Business Bureau (BBB).

Cost: American Home Shield plans cost

  • $29.99 to $69.99 monthly.

Overall, American Home Shield provides robust coverage with three plan tiers to choose from.

Liberty Home Guard

9.4 Great

  • Impressive Warranty: All service is backed by a 60-day workmanship guarantee.

  • Tons of Extras: Add-on coverage is available for 30 unique household items and features for just a few dollars more per month.

  • Great Customer Service: Liberty Home Guard features a top-notch live-chat feature that can be used when filing claims online 24/7.

  • Quick Turnaround on Claims: Liberty Guard typically gets a tech to your home within 24 to 48 business hours.

  • Pest Control: Liberty stands out as one of the only major home warranty companies to offer coverage for pest control measures.

  • Best Customer Reviews: Liberty Home Guard’s customer reviews and ratings are the best for any home warranty company from Virginia to California.

Liberty Home Guard is #1 Rated

Liberty Home Guard has become a highly trusted home warranty company since it first began offering policies in 2017. In an era when customer service is lacking in so many industries, Liberty shoots to the top of the list of the best home warranty companies in 2024 due to the company’s success with prioritizing customer connection. The advantage that Liberty has over competitors as a newer company is that it was established with a tech-first model built right into the claims process. With 24/7 chat available, customers never have to feel like they’re being forced to “wait on a problem.”

Plans: Liberty Home Guard offers –

  • Appliance Guard for appliance-only coverage,
  • Systems Guard for major home systems, and
  • Total Home Guard for systems and appliances.

Liberty Home Guard Coverage Details:

  • refrigerator,
  • dishwasher,
  • range,
  • oven,
  • cooktop,
  • heating,
  • plumbing,
  • washers,
  • dryers,
  • electrical,
  • ductwork,
  • air conditioning,
  • exhaust fans,
  • ceiling fans,
  • and garage door openers.

Opportunities for Savings:

LHG offers contracts ranging from a month to five years. Customers who lock in longer contracts get discounts!

How about Liberty Home Guard’s Customer Ratings and Reviews?

Liberty Home Guard stands out for having a rare “A” rating with the Better Business Bureau (BBB) that is also backed by 4.52 out of 5 stars based on nearly 2,600 customer reviews on the BBB website. This makes LHG the fan favorite by a mile!

Liberty Home Guard Pricing:

  • Plans range from $49.99 to $59.99.

The expert’s recommendation: With the cost for a Total Home Guard being around $5 more than either standalone plan, going for the top-tier plan provides the best value.

Table of Contents

Overall, Liberty Home Guard offers top-rated service with its affordable and comprehensive home warranty plans.

Detailed Comparison of American Home Shield vs. Liberty Home Guard

AHS vs Liberty American Home Shield Liberty Home Guard
Monthly Price $29.99 to $69.99 $49.99 to $59.99 
Coverage Scope Appliances, major home systems, or both Appliances, major home systems, or both
Refrigerator Covered in Cheapest Plan No No
Service Fees $75 to $125 $65 to $125
Contractor Network Size 17,500 qualified contractors More than 10,000 qualified contractors 
Claims Response Time 48 hours or less 24 to 48 hours or less
BBB Rating B A
Years in Business 50+ 6+
Warranty 60-day workmanship 60-day workmanship
Can File Claims Online 24/7 Yes Yes

How do you decide on a home warranty between American Home Shield or Liberty Home Guard?

It’s not always easy to make a decision when comparing American Home Shield vs. other popular home warranty companies. Most people just want to know how to get thorough coverage that’s easy to use when you want to make a claim.

This is why it’s important to break down coverage features, price, exclusions, customer service, claims turnaround times, and other details when comparing American Home Shield vs. Liberty Home Guard and other companies that offer home warranties before making a decision. In this review, we’ll cover how top-rated home warranty companies stack up.

What Is American Home Shield?

Memphis-based American Home Shield is widely known for its ShieldSilver ($29.99), ShieldGold ($49.99), and ShieldPlatinum ($69.99) plans that let you choose major appliances, major home systems, or both. While there’s a lot to like about AHS’s coverage, one frustrating aspect is that customers need to upgrade to at least the SheildGold plan to get coverage for basic appliances.

With appliance coverage totaling $3,000, even homeowners with high-end appliances might find the jump to the higher tier worth it. When jumping to the most expensive tier, ShieldPlatinum customers get everything in the lower tiers with the addition of $1,000 in roof leak repairs, up to $250 in code violations in permits, free HVAC services, and free refrigerant refills.

What Is Liberty Home Guard?

Liberty Home Guard is a highly-rated home warranty company that has rocketed to the top of nearly every “best of” list since arriving on the scene in 2017. In addition to being the only home warranty to earn an “A” rating with the BBB, Liberty has a 5-star status with customers based on thousands of online reviews.

Connecticut-based Liberty Home Guard offers three plan options for covering all home systems and appliances that are called Appliance Guard ($49.99), Systems Guard ($54.99), and Total Home Guard ($59.99).

LHG’s Total Home Guard plan offers one of the most comprehensive coverage options in the industry at what works out to be a very middling price compared to competitors. Customers can also select add-on coverage for major home systems and features that aren’t generally covered in plans offered through standard home warranties.

Which Company Has Better Prices: American Home Shield or Liberty Home Guard?

When comparing American Home Shield vs Liberty Home Guard, based solely on price alone, Liberty is the better deal. Liberty’s Total Home Guard is just $59.99 per month compared to AHS’s comparable PlatinumShield plan which costs $69.99 per month.

While AHS’s introductory SilverShield plan at $29.99 is actually cheaper than Liberty’s Appliance Guard Plan at $49.99, it’s important to remember that PlatinumSheild doesn’t offer any appliance coverage.

Which Company Has a Better Reputation: American Home Shield or Liberty Home Guard?

While AHS has had 50 years to build a reputation, Liberty Home Guard dramatically wins in the category of BBB ratings by scoring an “A” compared to AHS’s “B.” What’s more, Liberty has higher customer reviews and industry reviews from various publications and review websites. Liberty currently earns 4.52 out of 5 stars from BBB users. Meanwhile, American Home Shield earns just 2.3 out of 5 stars.

Which Company Responds to Claims Faster?

Both American Home Shield and Liberty Home Guard rank near the top among all home warranty companies when it comes to quick claims responses. This is one of the many reasons why both ranked among our top three picks for the best home warranty companies in California. However, Liberty appears to be slightly speedier when it comes to claims responses compared to AHS. While AHS attempts to reply to all claims submissions within 24 to 48 hours, Liberty’s responses are closer to 24 hours.

Choice Home Warranty vs. American Home Shield

When searching for the best home warranty company, you might also be looking at American Home Shield vs Choice Home Warranty. Founded in 2008, CHW has earned accolades from U.S. News and World Report’s 360 Reviews for being on the best warranty companies in 2022. CHW is also one of the only companies to even come close to Liberty Home Guard’s stellar “A” rating with the BBB. While CHW only manages to score a B, the company does have 4.5 out of 5 stars based on more than 2,300 customer reviews on the BBB website.

American Home Shield Pros and Cons

Pros:

  • Lots of choice and freedom among three plan tiers.
  • Comprehensive coverage.
  • Strong 60-day workmanship guarantee.
  • Network of more than 10,0000 contractors in all 50 states.
  • Tons of add-on options for household features that are rarely covered by other companies.
  • Lighting-fast claims response.
  • Live chat feature is the best in the industry.

Cons:

  • Liberty Home Guard has exclusions for pre-existing conditions.
  • Premiums aren’t the cheapest in the industry.
  • Contractors will be assigned to you.

American Home Shield Pros and Cons

Pros:

  • 50 years of experience.
  • Three comprehensive plan tiers.
  • Flexible service fees lets customers customize monthly payments in relation to deductible prices.
  • $6,000 coverage limit in the top tier is generous for appliances.
  • Coverage won’t be denied due to age or condition.
  • Free extras.

Cons:

  • Skimpy 30-day workmanship guarantee.
  • Plans are pricey compared to Liberty Home Guard and other companies.
  • Lacks an appliance-only plan that would provide a “budget” way to get a refrigerator, oven, or washer and dryer covered.

Choice Home Warranty vs American Home Shield

Choice Home Warranty:

Monthly Price $45 to $53
Coverage Scope Some to all major home systems and appliances
Refrigerator Covered in Cheapest Plan No 
Service Fees Up to $125 per call
Contractor Network Size 25,000 affiliated contractors
Claims Response Time 48 Hours
BBB Rating B
BBB Accredited  No
Years in Business 16
Warranty 60-day workmanship/90-day parts
Can File Claims Online 24/7 Yes

If American Home Shield is one of your finalists when selecting a top-rated home warranty company, New Jersey-based Choice Home Warranty stands out for its mid-priced plans and very respectable ratings.

CHW’s basic plan covers 14 appliances and systems for $46.67 per month. The company also boasts a “B” rating with the BBB that is accompanied by an average rating of 4.56 out of 5 stars.

However, you might find that pivoting back to a company like Liberty Home Guard is a better option than jumping from American Home Shield to Choice Home Warranty if categories of choice and add-on coverage are important to you. Unlike Liberty and American, CHW offers just two plans to choose from instead of three.

CHW’s very limited options for add-on coverage also pale in comparison to Liberty Home Guard’s vibrant add-on list. While Choice offers solid coverage at a reasonable price, the lack of comprehensive options for all types of homeowners caused the home warranty provider to only reach #5 on our list of best home warranty companies in Virginia.

Select Home Warranty vs. American Home Shield

Select Home Warranty

Monthly Price $52.50 to $56.25
Coverage Scope Some to all major home systems and appliances
Refrigerator Covered in Cheapest Plan No
Service Fees $75 and $100
Contractor Network Size Not shared
Claims Response Time 48 hours
BBB Rating B
Years in Business 10+
Warranty 90-day workmanship
Can File Claims Online 24/7 Yes

While Select Home Warranty offers appliance-only and systems-only plans that both cost the same price, the way to get the best value with this company is to opt for the all-inclusive plan that gives you everything that’s included in both plans for just $4 more.

Like Liberty Home Guard, Select gives customers discounts when they sign up for multiple-year contracts. Free leak coverage is another perk.

However, everything that’s likable about a Choice Home Warranty policy is overshadowed by the fact that this company has stringent guidelines regarding its exclusions for preexisting conditions. According to some customers, the way you maintain a covered appliance or system could result in a coverage denial.

What Is the Best Choice for Home Warranties With Pool Coverage?

Home warranty companies don’t include pools and spas under their general coverage tiers. This means that you’ll need to select a home warranty company that offers add-on coverage for these items if you’d like to avoid costs for unexpected repairs or replacements. For most homeowners, going straight to Liberty Home Guard’s extended pool and spa warranty coverage is the best choice for staying protected against unexpected breakdowns. These add-on policies can be purchased for one to five years.

Conclusion

What Is the Best Home Warranty Company Based on Price Alone?

If you’d like to avoid getting in the $60 to $80 territory per month just to get coverage for all of your home’s essential appliances and systems, both American Home Shield and Liberty Home Guard come out on top for providing comprehensive coverage that still keeps you in the middle range for price. However, Liberty gets a slight edge over American simply because you homeowners can select the elite and comprehensive Total Home Guard tier while staying below $60 per month. The comparable plan from AHS brings you closer to the $70 range.

About Author

Dr. Ali
Scott Dylan Westerlund has been writing about home improvement, repair, and maintenance for almost ten years. In addition to Trusted Company Reviews, he writes for Angi, HomeAdvisor, Today's Homeowner, Homedit, Flyhomes, and HomeLight. You'll find his byline on articles about everything from buying a house and managing rentals to clearing clogged drains and picking the right lumber for your home improvement project. Prior to writing, Scott was an apprentice building contractor and property manager--so he knows how to keep the lights on and the water running.
Dr. Ali

Scott Dylan Westerlund

Last Updated: January 15, 2024

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