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Liberty Home GuardandAmerican Home Shieldare two of the vainglorious name in the menage warranty diligence , extend coverage for a broad diverseness of house organization and gizmo in the outcome they transgress down due to normal wear and tear . decide between the two can be tricky at time because both company provide a lot of value in their own right , and spot their divergence require an in - astuteness review of their services and coverage terms .
compare Liberty Home Guard vs. American Home Shield can sometimes come down to the fine of details in term of accessibility , terms , coverage , and excess perks . After reviewing what each company has to offer , homeowners may be in a better position to shape which one is a better set for their plate and their circumstance .
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How We Compared Home Warranty Companies
Home warranty society may seem very like at first glance — virtually standardised in some instances — but upon take a airless look at what each provider has to offer , it becomes clear that some are better suited for certain homeowners than others . With that in mind , it can be a good idea to review the various nuances of a dwelling house warrant provider ’s offerings to infer precisely what the client is getting .
1. Liberty Home Guard vs. American Home Shield: Reputation and Customer Reviews
American Home Shield feedback was more mixed across client review website . Trustpilotreviews leaned toward the minus side , giving the company a 2.1 out of 5 customer expiation rating . Customers submitting minus reviews reported having their claims denied and see long wait times to schedule repairs . Several American Home Shield reviews posted on theBetter Business Bureauwebsite expressed similar complaints , peculiarly regarding claim being deny . These experience reinforce the grandness of reading contract terminus included with a home warranty so customer understand exactly what ’s covered and when a serve request may be denied . American Home Shield is accredited by the BBB and currently holds a B grade with the administration . Customers who submitted reviews toConsumer Affairsexpressed much more plus experience overall , with customers praise the quick and easy claims appendage as well as the quality of the workmanship provide by technician .
Verdict : Customer critical review for Liberty Home Guard are generally positive , which is not always the event with online customer critique since they run to focus on negative experience . American Home Shield , on the other hired man , has receive more assorted feedback from online customer review . Although American Home Shield is accredited by the Better Business Bureau , Liberty Home Guard ’s mostly positive client feedback nudge it ahead in this category .
Winner : Liberty Home Guard
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2. Liberty Home Guard vs. American Home Shield: Service Area
American Home Shield has an impressive service footprint , render home warrant to client in 49 commonwealth as well as Washington , D.C. Alaska residents will not be able-bodied to buy a home guarantee through American Home Shield , but by from that coverage gap , American Home Shield maintains a large mien throughout the country .
Even so , Liberty Home Guard ’s service sphere is a bit expectant than American Home Shield ’s reporting map ; the company offer house warranties in all 50 states plus Washington , D.C. Few home plate warranty supplier can claim that they bid nationwide coverage , which makes Liberty Home Guard ’s slide - to - seacoast serve area all the more impressive . While American Home Shield ’s footprint is very large in its own right , the lack of keep for Alaska property is noteworthy in this particular case .
Verdict : Liberty Home Guard has a true nationwide footmark , with policy useable in all 50 states and Washington , D.C. American Home Shield ’s service area is somewhat smaller , although it ’s still quite impressive . homeowner in 49 state and Washington , D.C. , can purchase a insurance policy , with Alaska being the only land where domicile warranties are unavailable through American Home Shield . That lone exception makes the difference here , giving Liberty Home Guard a thin sharpness .
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3. Liberty Home Guard vs. American Home Shield: Coverage Amount
As to be expect with any home warranty caller , American Home Shield and Liberty Home Guard ’s coverage demarcation can depart depending on the type of repair or service cover by the customer ’s insurance policy . For illustration , icebox repairs can be expected to have higher reportage limits equate with coverage limit for roof - news leak repairs . Determining American Home Shield ’s coverage amounts gets even more complicated because reportage limits can vary across the company ’s different policy tiers . Even so , American Home Shield ’s coverage limits for major repairs tend to be on the higher death for home warranties :
American Home Shield ’s high coverage limits on HVAC systems could be very sympathetic to many homeowners , making it one of thebest home warranties for HVACcoverage . Although notably lower in compare , Liberty Home Guard ’s insurance coverage boundary across major home plate system and appliances are more consistent :
While Liberty Home Guard ’s maximum coverage quantity are a bit on the low end for home warrantee reportage , it ’s worth noting that those limits are per particular , not in totality . This means that a customer could submit postulation on multiple home base system or appliances in the same base warranty term and have up to $ 2,000 Charles Frederick Worth of insurance coverage for each item .
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Verdict : American Home Shield ’s coverage limits can deviate , but they are comparatively high in many cases . HVAC repairs are covered for up to $ 5,000 for all design , while appliances can be covered for $ 2,000 to $ 4,000 . Liberty Home Guard ’s coverage limits are more straight , with a maximal coverage amount of $ 2,000 per point . With its mellow coverage bound on HVAC repairs and , in some cases , appliance repairs , American Home Shield is the exonerated winner here .
succeeder : American Home Shield
4. Liberty Home Guard vs. American Home Shield: Policies and Plans
Liberty Home Guard and American Home Shield give client the option to choose from three insurance policy tier , each one address a different compounding of resort and services . Both have a dedicated policy option that purely cover place system repairs , while Liberty Home Guard also has a separate plan that solely covers sure appliances . The way Liberty Home Guard ’s policy are arrange up could be appeal to householder who only want insurance coverage for their appliances rather than pay for home systems reportage they do n’t feel is necessary :
As noted in ourAmerican Home Shield limited review , American Home Shield have a exchangeable coming by offering a dedicated home organization design . It does not have an convenience - only insurance choice , though , alternatively including HVAC coverage in every house warranty :
homeowner may also require to keep in mind that all American Home Shield design overcompensate malfunction result from rust , deposit , and corrosion , which is not the case with a Liberty Home Guard home warrant . As such , American Home Shield could be a good alternative for homeowners considering their options regarding thebest home warranty for plumbing . In addition , American Home Shield policy will cover pre - existing term if they can not be observe by visual review or mechanically skillful testing , while Liberty Home Guard policies never cover such issues .
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On the other hand , Liberty Home Guard does have an telling raiment of service minimal brain dysfunction - ons for customers to purchase . There are 42 extra add - ons to debate , include extended coverage for professional - grade gismo , present customers many options to customise their home warranty . There ’s some lap in service supply - on availability between the two companies — both domicile warranty providers volunteer guest - whole reporting as an add - on , for instance , which could make them good options for homeowner looking for thebest home warrant for rental property . However , Liberty Home Guard has far more service of process pick to consider in aggregate .
Another lineament to consider is American Home Shield ’s partnership with Frontdoor Pro , which gives customers the pick to schedule certain home base armed service that are n’t underwrite by a home warrantee , such as carpet cleaning or dryer vent cleansing . This service option replaces the now - defunct American Home Shield ProConnect , offer similar services . It ’s worth take down that these services are only usable in select metropolitan orbit , though , and may not be available to all client .
Verdict : Both company declare oneself three different policy tiers for customers to view , including a consecrate plan for homeowners who only require reporting for family systems . Liberty Home Guard also has a architectural plan that solely covers appliance such as refrigerators and dishwasher . Meanwhile , every American Home Shield policy includes coverage for HVAC , plumbing system , and electrical systems . Although there is a just deal of overlap between the companies ’ insurance policy , American Home Shield get along out slimly ahead due to that consistence .
5. Liberty Home Guard vs. American Home Shield: Average Monthly Rate
Sizing up monthly rate between the two companionship nationwide does n’t always result in an apple - to - apples equivalence because American Home Shield tends to set different rates for each state . In some cases , American Home Shield ’s rates could be very competitive , while in other areas of the country , the company ’s menage warranty may be on the expensive side . For instance , the troupe ’s monthly rates in West Virginia run fairly gamy for that nation ’s grocery :
Ohio residents , on the other hand , may get a much practiced quite a little on their home warrantee with American Home Shield :
Meanwhile , Liberty Home Guard ’s monthly rates are the same in every state and metropolitan surface area across the country , and they are broadly speaking in line with industry standard :
Although there may be scenarios where an AHS home warrantee is the more low-priced option — an Ohio householder who only needs home systems coverage may get a good deal on an American Home Shield ShieldSilver plan than a Liberty Home Guard Systems Guard insurance — the significant variance in cost could be a vexation for householder in certain parts of the country .
Verdict : American Home Shield ’s charge per unit can alter well from one state to another . In some cases , the company ’s prices may be very competitive , but in others , anAmerican Home Shield plate warrantycould be clean expensive . On the other hired man , Liberty Home Guard ’s monthly rates are the same in every market place . While some customer may find that American Home Shield ’s prices are abject in their sphere , Liberty Home Guard offers a more reliable price point across the land .
6. Liberty Home Guard vs. American Home Shield: Discounts
Customers seek lower rates on their habitation warranty may find that neither troupe offer a broad variety of deduction , but there are still some ways to save money on a policy when working with Liberty Home Guard or American Home Shield . American Home Shield sporadically runs promotions — often tied to holiday — that can extend major savings on a home warranty plan . Their seasonal nature intend that they are n’t always useable , though . Beyond those promos , discount are fairly limited , as the only class - round discount uncommitted is given to client who bribe home warrantee on multiple attribute . American Home Shield has an appliance discount program that ’s exclusive to its client , and it can help oneself them make unnecessary money when buy new appliances from name - stigma manufacturers .
Liberty Home Guard ’s discount are limited in number as well , but they may offer more preservation to customers . the right way away , new customer can take advantage of a generous discount that will lour the cost of a 1 - year architectural plan by $ 200 . Other perks for signing up for a new home guarantee plan with Liberty Home Guard include 2 months of extra reportage and free limited roof - leak coverage . That fringe benefit , in picky , may make Liberty Home Guard a skilful option for homeowner looking for thebest home warranty for roofcoverage . customer who yield up front for a yr or more of insurance coverage will receive additional months of coverage as well , provide more ways to save money in the farseeing run on a home warrant .
Verdict : Discount opportunities are somewhat scarce when grease one’s palms a home warrantee from either caller , but Liberty Home Guard ’s may be slightly more generous with a $ 200 bank discount on the first yr of coverage along with other perks for raw customers . Although American Home Shield run promotion at sentence , home warranty discounts can be limited to customers who buy coverage for multiple belongings . As such , Liberty Home Guard can often offer a larger discount to Modern customers .
7. Liberty Home Guard vs. American Home Shield: Service Fee
householder look for the lowest possible service fee on their family warrantee may find Liberty Home Guard to be an appealing alternative . customer can work with representatives on selecting a service fee that may escape anywhere from $ 60 to $ 125 . A $ 60 service fee would be quite low for a home warranty and could thin the amount customer give out of pocket when they charge a title and subject a repair request .
American Home Shield ’s service fees are relatively in high spirits compare to Liberty Home Guard ’s and those of the home warranty industry in general , with options start at $ 100 . As such , homeowners who choose American Home Shield for their home guarantee needs may weave up paying more when the time comes to request service of process . Customers are also only able to pick out between two options—$100 or $ 150 — which may limit opportunities to change their monthly rate by adjusting their table service fee .
Verdict : Customers who choose Liberty Home Guard for their home warrant motive will be able to choose from a comparatively all-encompassing range of servicing fees , with options that could be as low as $ 60 . On the other hand , American Home Shield gives customers the option between either a $ 100 or $ 150 service fee , and that $ 150 pick may be a bit high for a home base warrant .
8. Liberty Home Guard vs. American Home Shield: Quote Process
get a base warrant quote from either Liberty Home Guard or American Home Shield is a comparatively easy process . In both cases , customers can request a quotation mark online or over the phone with a representative . Online quotes may be the quick and more commodious option , and both companies surpass in this area , offer easy - to - use platforms that render estimates on home warrant policies in scant order . Both online platforms break-dance down the insurance coverage options usable through the companies ’ different insurance tiers and allow customers to add extra service add - ons to their home warranty before settle their quote .
American Home Shield ’s on-line quote is slightly more elaborate , though , break down coverage limits for dissimilar types of repairs and service . Customers can also select a service fee during the quote physical process to see how it will bear on the final price of their abode warrantee , which is not the display case with Liberty Home Guard .
Verdict : disregarding of which company householder go with , they will be able to enjoy a aerodynamic and easy - to - consumption online quotation mark political program . In addition , prospective client can work up out a policy over the phone with representatives from either home warrant supplier . However , American Home Shield ’s on-line quote operation is a piece more comprehensive and transparent , position out the help fee alternative , reportage demarcation , and additional coverage term in more detail .
9. Liberty Home Guard vs. American Home Shield: Claims Process
Customers of both Liberty Home Guard and American Home Shield may find out that the procedure to file a claim and request a reparation or refilling is relatively straight and easy to complete . irrespective of which home warranty provider a homeowner opts for , they will be able to file a claim through a dedicated on-line portal site or over the headphone with a society interpreter . Having both options could be idealistic since it throw client the flexibility to file a title online at any time or speak directly to a representative and describe their claim in more detail .
Once a repair request has been submitted , experience could depart somewhat between the two companies . American Home Shield customer service team have a 48 - hour window to respond to claims , which is fairly typical for a nursing home warranty company , although not particularly agile either . Liberty Home Guard , on the other hand , could answer to a religious service request in as small as 24 hours or up to 48 hours . That slim eminence could make the difference for homeowner who want to schedule an naming with a technician as before long as possible .
Verdict : Customers have the alternative to file a claim online or over the phone with both companies . reply clip may motley slimly , though . Liberty Home Guard require 24 to 48 hours to assign a technician to a call , whereas American Home Shield will contact a service provider within 48 minute of receiving a claim . As such , Liberty Home Guard comes out just a bit ahead when it comes to claims mental process .
10. Liberty Home Guard vs. American Home Shield: Workmanship Guarantee
have a long workmanship guarantee may declare oneself greater peacefulness of mind to customers as they will have more prison term to spot any issues with cover fixing and ease off them with their dwelling warranty troupe . However , American Home Shield only gives customers about a month to discover pathetic craft and quest extra workplace . The party ’s 30 - day workmanship guarantee could limit opportunities for homeowner to schedule come after - up appointments on poor workmanship without pay an additional table service fee .
Liberty Home Guard ’s workmanship warrantee is twice as recollective , yield customer 60 days to note any problems they have with a covered repair or replacement item . That extra sentence could be very sympathetic to homeowners who worry about underlying problems persisting even after have evidence technician make necessary repairs .
Verdict : American Home Shield ’s craftsmanship guarantee is on the short side , feed customers only 30 days to give notice the company of any issues they may have with a covered repair problem . Liberty Home Guard is a bit more generous in this respect , providing a 60 - day window for client to flag any workmanship quality takings they spot .
Verdict: American Home Shield comes out on top as a result of the company’s robust standard coverage terms and high coverage limits on home systems and appliances. Liberty Home Guard also has plenty of benefits for homeowners to consider, though, with its nationwide availability, consistent pricing across all markets, and excellent claims process, among other factors.
American Home Shieldmay be a terrifying option for homeowners who prioritize generous reportage options with their dwelling warranty policy . The company ’s insurance coverage terminus ad quem are quite mellow for a dwelling warranty , specially the $ 5,000 coverage amount on HVAC repairs that ’s include with every policy . American Home Shield policies also let in coverage for rust , corrosion , deposit , and unnamed pre - existing condition , which is n’t always usable with rest home warranties . Depending on their location , customer may determine that policy through American Home Shield are really quite low-priced too . While Liberty Home Guard may have succeed more categories in our analysis , American Home Shield came out ahead in the arena that weigh most in terms of reporting .
Liberty Home Guardcould still be a tremendous choice for many homeowners all over the country ; the company bid dwelling warranties in all 50 states and Washington , D.C. , afford it a all over nationwide footprint . Prices are also reproducible across all market and should be comparatively competitive no matter where a homeowner lives . New customers can also lower the cost of their home warranty by taking advantage of Liberty Home Guard ’s generous discounts on newfangled insurance .
specify which of these two companies is the just scene for a given scenario comes down to the client ’s specific needs . Those who require an low-cost option with logical pricing and substantial discounts , along with a slightly recollective craft guarantee may find that Liberty Home Guard suits them substantially . However , American Home Shield ’s stellar standard coverage — both in terms of coverage limit and the type of mending that are supported — could make it more likeable to a wide range of homeowners .
FAQs
feel the right home warranty company is n’t always easy , especially when householder are unsure of how home warranties work or what exactly they cover . By addressing some of the most frequent points of confusion , homeowners can put themselves in a better position to decide what they require in a family warranty supplier , whether they ’re interested in thebest plate warrantee for condosor for exclusive - family business firm .
Q.Is a home warranty required by the law?
No , homeowners are not required by jurisprudence to obtain a house warrantee under any circumstances . However , home warranties can help shoulder the fiscal core of paying to repair or supercede dwelling systems and gismo that break down due to assume and bout . As such , it may still be a good idea to purchase a policy from one of thebest home warranty company .
Q.What does a standard home warranty cover?
A typicalhome guarantee coversthe fix or replacement of various home systems and appliance due to normal wear and tear . Some policies may only handle certain home systems or appliances , while others may offer more extensive insurance coverage .
Q.Can I buy multiple add-ons for my home warranty?
Many home warranty companies appropriate client to buy multiple minimal brain damage - ons , but the accessibility of extra help options can motley from one supplier to another . For instance , as observe in ourLiberty Home Guard review , the company offer 42 different overhaul options that can be added to a standard policy .
Q.What are some of the basic services that every home warranty covers?
Every home warranty will cover malfunctions result from normal wearing and buck in aging household systems or convenience , although some policy could exclusively cover household system and others could exclusively address appliances . In some casing , place warranty may embrace pre - existent stipulation , but this tends to be the exception rather than the rule .
Q.How long does a home warranty stay valid for?
Home warranties typically run for 1 year , but some companies may provide client to buy multiyear policies — and possibly at discounted charge per unit , too . It ’s rare to find home warranty companies that offer month - to - month contracts or terms that course for less than 12 months .
Q.Are there multiple options with a home warranty?
Home warranty company oftentimes offer multiple insurance policy tiers for customer to take , but the accurate telephone number will vary depending on the provider . In gain , customer typically have the option to build out their home warrant coverage through optional service add - ons .
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