Liberty Home Guard or First American Home Warranty: which is better?
Liberty Home Guard is the better choice for most homeowners. It scores 4.8/5 vs. 4.0/5 for First American Home Warranty in our ratings. Liberty is available in all 50 states and DC (vs. 36 states), offers 40+ add-ons (vs. a smaller add-on menu) and has service fees from $65 (vs. $100 or $125). First American Home Warranty can make sense if you want unlimited HVAC, plumbing and electrical caps and live in a covered state.
- Our pick: Liberty Home Guard (4.8/5) over First American Home Warranty (4.0/5).
- Availability: Liberty sells in all 50 states and DC; First American Home Warranty: 36 states.
- Service fees: Liberty from $65; First American Home Warranty: $100 or $125.
- Add-ons: Liberty offers 40+; First American Home Warranty: a smaller add-on menu.
- First American Home Warranty can make sense if you want unlimited HVAC, plumbing and electrical caps and live in a covered state.
Side-by-Side Comparison
| Liberty Home Guard | First American Home Warranty | |
|---|---|---|
| Our score | 4.8/5 | 4.0/5 |
| Monthly cost | $44.99-$54.99/mo | about $42-$172/mo |
| Service fee | $65-$125 | $100 or $125 |
| Coverage caps | $2,000 per item for most systems & appliances | Unlimited on HVAC, plumbing & electrical; appliances $3,500-$7,000 |
| Waiting period | 30 days (90 days for plumbing/electrical) | Typically 30 days |
| Workmanship guarantee | 60-day workmanship guarantee | 30-day repair guarantee |
| Add-ons | 40+ optional add-ons | Pools, septic and more |
| Availability | All 50 states + DC | 36 states |
| Third-party ratings | 4.7/5 on Google (18,000+ reviews, per company) · 4.6/5 on ConsumerAffairs (2,000+ reviews, per company) | Mixed across review sites |
Where Liberty Home Guard Wins
- Largest add-on catalog we track (40+ options, from roof leak repair to pools, well pumps and generators)
- Available in all 50 states and DC - wider than every other provider in our ranking
- Service fee options that start at $65 in many areas
- Multi-year terms up to 5 years with bonus months on annual plans
Where First American Home Warranty Stands Out
- Unlimited caps on HVAC, plumbing and electrical
- Covers some rust, sediment and corrosion failures
The Bottom Line
Liberty Home Guard is our top pick because it combines the widest availability (all 50 states), the deepest add-on menu and flexible service-fee choices with a straightforward contract and strong customer-service tools. For most homeowners who want one combo plan they can tailor, it is the easiest provider to recommend.
Get a Liberty Home Guard Quote →Frequently asked questions
Is Liberty Home Guard better than First American Home Warranty?
For most homeowners, yes. Liberty Home Guard scores 4.8/5 in our ratings versus 4.0/5 for First American Home Warranty. Liberty is available in all 50 states and DC, offers 40+ add-ons and has service fees from $65.
Which is cheaper, Liberty Home Guard or First American Home Warranty?
Liberty Home Guard costs $44.99-$54.99/mo (online promotional pricing; list pricing about $50-$60/mo); First American Home Warranty costs about $42-$172/mo (Starter to Premium, varies widely by location). Your quote depends on ZIP code and the service fee you choose.
When might First American Home Warranty be the better choice?
First American offers some of the highest limits in the industry, but it is available in fewer states and costs more in many areas.