If you’re looking for a solid home warranty plan that can protect your major appliances and critical systems, Choice HomeWarranty and Liberty Home Guard are two options worth considering.
Here’s what you need to know about Choice HomeWarranty and Liberty Home Guard, including coverage, costs, and customer experience, to find the best home warranty for your home.
Which is right for you: Choice HomeWarranty or Liberty Home Guard?
It depends on your priorities. If you only need the most basic plan and want to keep costs as affordable as possible, Choice Home Insurance has lower monthly premiums than Liberty Home Guard. However, if you want to choose the most comprehensive coverage and a wealth of add-ons, Liberty Home Guard offers a more affordable top-tier plan. Note that LHG has lower coverage limits.
Also, when comparing options, don’t just focus on price. “Also shop based on reputation, service, and warranty terms,” says Ben Schachter, a real estate broker and president of Signature Real Estate Companies. “The goal is to choose a home warranty company that has a track record of responding quickly to repairs and paying claims quickly.”
The last thing you want to do is pay for coverage that doesn’t show up when you actually need it, so take your time to ask questions and read the fine print.
Choice HomeWarranty and Liberty Home Guard Overview
Choice Homewarranty and Liberty Home Guard cater to different homeowner priorities, so the better option really depends on what you value most.
Choice Home guarantees are known for their simplicity and affordability. There are only two plan options. And despite the limited tiers, the coverage is pretty solid and the prices are more affordable than many of its competitors. We also offer up to $3,000 in coverage per item, which is more than most other providers.
Liberty Home Guard is more flexible than Choice. It offers three tiers of plans and over 40 add-ons, giving you more control over what’s included. If you have specialty or high-end appliances or want to tailor your coverage to your home, Liberty Home Guard may be a stronger option.
| home warranty provider | Number of plans | average plan cost | Upper limit of scope | Annual compensation limit |
|---|---|---|---|---|
| choice home guarantee | 2 | $47 to $57 per month | $3,000 per eligible item | Unlimited (maximum compensation per item) |
| liberty home security guard | 3 | $55-65 per month | $2,000 per eligible item | Unlimited (maximum compensation per item) |
Choice and Liberty Home Guard plans and coverage
Plan options
The main difference between these companies is how the basic plan is structured. Choice Homewarranty combines coverage for both systems and appliances in its basic plan, while Liberty Home Guard separates them.
Choice Homewarranty offers only two plans: the Basic Plan, which covers most home systems, and the Total Plan, which covers everything.
- Basic plan: This basic plan covers your home’s major systems, including the heating system, electrical system, plumbing system, water heater, Jacuzzi tub, oven/range/stove, cooktop, built-in microwave, garbage disposal, ductwork, garage door opener, and exhaust fan.
- Total plan: This more comprehensive plan includes everything in the basic plan, plus air conditioning, refrigerator, and clothes washer/dryer.
Liberty Home Guard comes in three plans: Standard Appliance Only, System Only, and Combo Plan.
- Appliance Guard: This appliance-only plan covers many major kitchen and common appliances, including washers, dryers, refrigerators, microwaves, dishwashers, garbage disposals, ventilation fans, and more.
- System guard: Systems-only plans cover major home systems such as air conditioning, heating systems, ductwork, plumbing systems, electrical systems, and water heaters.
- Total home security: This is Liberty Home Guard’s most comprehensive plan, covering everything in the Systems Guard and Appliance Guard plans.
Add-on options
What sets Liberty Home Guard apart is its add-on coverage. Customize your plan with over 40 add-on items, including coverage for commonly excluded luxury appliances. Here are some of the many options available:
- pest control
- carpet cleaning
- water softener
- lawn sprinkler system
- swamp cooler
- ejector pump
- pool and spa
- purification system
- drain pump
- well pump
- central vacuum
- freestanding freezer
- Roof leakage range
- lighting equipment
- electronics
- rekey
- cleaning the gutters
- second refrigerator
- garbage compactor
- grinder pump
- Water server water supply line
- instant water heater
- reverse osmosis water filter system
- Window cleaning/cleaning
- Ice maker (in the refrigerator or freestanding)
- wine cooler
- generator
- plumbing fixtures
- guest unit
- TV installation
- power washing
- Maintenance of air conditioning equipment
Choice offers 11 add-on options, which is significantly less than Liberty Home Guard’s 40+ choices. Here’s what you can do to customize your plan:
- Pool/spa equipment
- Limited roof leakage
- additional spa
- freestanding freezer
- central vacuum
- sprinkler system
- second refrigerator
- well pump
- purification system
- drain pump
- Septic tank pumping
Coverage limitations
Choice Home Insurance has more competitive coverage limits compared to Liberty Home Guard. Choice typically offers up to $3,000 per eligible item, while Liberty Home Guard’s cap is typically around $2,000 per appliance or system.
Exclusions
Like most home warranty providers, Choice and LHG both exclude pre-existing conditions. This means that if your appliance or system was not working properly before coverage began, repairs or replacements will not be covered. It also does not cover problems caused by improper installation or surface damage.
Be sure to check your contract for a complete breakdown of what is excluded.
Compare the costs of Choice Home Warranty and Liberty Home Guard
planned cost
Choice Home Insurance’s monthly premiums range from $47 to $57, while Liberty Home Guard plans typically cost $55 to $65 per month.
additional cost
Liberty Home Guard add-ons typically cost between $5 and $36 per month. Choice Homewarranty add-ons are a little more affordable, ranging from $3.33 to $15 per month.
Service call fee
Choice’s service call fee is always $100, while Liberty Home Guard’s service fee ranges from $50 to $125, depending on your location.
discount options
Choice HomeWarranty may offer seasonal promotions and sales. Currently, when you purchase an annual home warranty plan, you get your first month free.
When using Liberty Home Guard, the best way to get a discount is to purchase a multi-year plan. If you sign up for a year, you get an extra month free, so if you choose the 3-year plan, you get 3 months free. American Legion members receive a $225 annual discount on the Liberty Home Guard Home Warranty Plan, as well as three months of free bonus coverage each year.
Choice HomeWarranty and Liberty Home Guard claims process
Choice HomeWarranty and Liberty Home Guard both offer 24/7 online claims processing, but the experiences are slightly different.
With Choice Home Warranty, you request service and submit a claim through our customer portal. An email address and policy number are required to enter the portal. The provider claims that it will contact the service provider within 4 hours of receiving the request and that the contractor will contact you within 48 hours thereafter.
To file a home warranty claim with Liberty Home Guard, you can contact our customer service center, log into our customer portal, or use our mobile app to file a claim. Once you submit your claim, you will pay the service fees listed in your contract. Liberty Home Guard will then schedule a technician to come to your home within 48 hours of receiving your claim. Please note that Liberty Home Guard requires a 30-60 day waiting period before you are eligible to file a claim.
Choice HomeWarranty and Liberty Home Guard homeowner reviews
Customer feedback for both companies is quite mixed, which is not unusual in the home warranty industry.
Liberty Home Guard receives positive reviews for its comprehensive coverage and flexibility. Many also praised the company’s excellent customer service and clear communication. However, some customers report occasional delays in contractor availability and having to reschedule their reservations multiple times.
Although Choice has a slightly lower Trustpilot rating, many customers like the fact that Choice Homewarranty is affordable and it’s easy to choose a plan. That said, we also saw a significant number of comments mentioning strict exclusions and slow claims processing during peak periods, which could be a deal breaker for some homeowners.
| housing guarantee company | Trustpilot rating (stars) | Better Business Bureau (BBB) ratings |
|---|---|---|
| liberty home security guard | 4.4 | D- |
| choice home guarantee | 4.0 | B |
Trustpilot and BBB data is accurate as of May 2026.
Availability of Choice vs. Liberty Home Guard
Choice Homewarranty sells plans in 49 states, excluding only Washington state. Liberty Home Guard is available in all 50 states, but terms and conditions vary by state.
How USA Today ranks Choice HomeWarranty and Liberty Home Guard
The USA TODAY team independently ranks and reviews all home warranty companies using an in-house methodology that compares costs, plans, coverage, exclusions, and more.
FAQ
How much does Liberty Home Guard charge per claim?
Liberty Home Guard typically charges a service call fee that ranges from $50 to $125, but the cost quoted may vary by location.
What do customer complaints say about the Choice Home warranty?
Customer complaints regarding the Choice Home warranty were primarily related to claim denials, slow response times, and disputes over coverage. However, these are common to most home warranty companies.
Can I cancel Liberty Home Guard?
Yes, you can cancel your Liberty Home Guard home warranty at any time. To do this, log into your online customer portal and select the (Policy Details) tab. There you will find a link titled “Cancel Coverage.” You can also call (833) 545-7333 or email accounts@libertyhomeguard.co.
