Liberty Home Guard vs First American Home Warranty (2025)

Liberty Home Guard (LHG) and First American Home Warranty (FAHW) are two home warranty providers with overlapping coverage and some major differences, so comparing them requires a careful eye and a fine tooth comb. In this article, we’ll define a clear winner in the battle of Liberty Home Guard vs. First American Home Warranty. 

Overview of Liberty Home Guard

Liberty Home Guard  is a Brooklyn-based home warranty provider that serves all 50 states, including Washington DC, a relative rarity in the broader industry. 

Key Features of Liberty Home Guard

• Liberty Home Guard covers more than 30 systems and appliances and its lower-tier plans are far more comprehensive than First American’s, despite 2 out of 3 of LHG’s plans being appliance or systems-exclusive.
• LHG’s online portal, resources, and quote process are user-friendly, up-to-date, and far more intuitive than FAHW’s website. 
• LHG’s coverage is more comprehensive and flexible due to its long list of add-on options, including pro-series appliances, pest control, carpet cleaning, and more. 

Liberty Home Guard’s Pricing and Plans

Liberty Home Guard offers three plan options: Appliance Guard, Systems Guard, and Total Home Guard. Appliance Guard exclusively covers your home appliances and Systems Guard is exclusive to your systems. 

Total Home Guard combines the coverage of the two plans into one affordably-priced package. All Liberty Home Guard’s plans are less than $600 per year if you pay annually and less than $720 if you split your payments into monthly installments. With the former option, you’ll save 18% on your annual costs, further reducing the financial burden of your home maintenance costs.

LHG does offer some service call flexibility. You’ll be assigned a service call fee between $65 and $100 when you purchase your plan. It’s unclear whether this flexibility results in dynamic plan pricing. 

Comparison Table: Liberty Home Guard’s Pricing Plans

When you purchase the annual plan, you’ll receive two months of free coverage plus free limited roof leak protection.

*Price reflects a single-family home in Pennsylvania, smaller than 5,000 square feet. Costs may vary by location and home size.

Pros and Cons of Liberty Home Guard

LHG’s advantages, like its user-friendly website and customer resources, comprehensive workmanship guarantee, and contractor flexibility, eclipse the few minor negatives like slightly higher prices.

Pros:

• LHG offers a 60-day workmanship guarantee, which is double the length of the typical 30-day home warranty offered by FAHW. 
• Liberty Home Guard’s highest tier plan is a better value than FAHW’s top tier. 
• LHG doesn’t restrict homeowners to its network of contractors if you want the flexibility to work with a contractor of your choice.
• Customer reviews often cite responsive and knowledgeable customer service teams and we confirmed this experience with dozens of secret-shopping calls from 2022 through 2025.
• LHG’s is well-built and easy to navigate. Its straightforward quote process takes less than a minute and it’s easy to compare plan options. 

Cons:

• Despite LHG’s top-tier plans being a better value, it’s actually more expensive than FAHW for bare-bones coverage.
• While the quote process is quick and easy, LHG doesn’t display your assigned service call fee before you check out. 
• Roof leak protection is an add-on for month-to-month plans.

Overview of First American Home Warranty

First American Home Warranty is a California-based home warranty provider with generally mixed reviews. Compared to LHG, which offers nationwide coverage, FAHW has a much more narrow reach.

Key Features of First American Home Warranty

• FAHW is transparent about its flexible service call fee model, allowing you to choose a $100 or $125 service call fee, during the quote process. The higher service call fee results in lower monthly payments. 
• First American’s air conditioning coverage is limited to electric systems, but its Premium Plan covers ductless mini-splits, registers, grills, filters, and window units.
• The First Class Upgrade extends coverage to building permits, code upgrades, improper installations, unknown preexisting conditions, refrigerant recapture/removal, and disposal for replaced systems, appliances, and components. 

First American Home Warranty’s Pricing and Plans

First American Home Warranty has three combination plans with varying degrees of coverage. Its Starter Plan is limited to the basics, which accounts for its low pricing: 

• Dishwasher
• Refrigerator
• Range hood
• Built-in microwave
• Oven/range/cooktop
• Plumbing
• Garbage disposal
• Electrical
• Ductwork
• Heating

This plan doesn’t cover air conditioning or washing machines, which can be limiting if those are your biggest priorities. The Essential Plan includes everything in the Starter Plan, plus air conditioning, laundry appliances, trash compactors, water heater, garage door openers, whole house fans, and ductless mini-split systems. The Premium Plan further expands on this coverage, but our biggest complaint is the randomness of the covered items. 

LHG follows a simple pattern of two separate plans merged to one comprehensive plan, whereas FAHW doesn’t follow a discernible pattern, making it much more difficult to compare plans and assess their value. 

FAHW costs more than LHG overall. For the highest coverage plan, you’ll pay between $816 and $864 per year, or approximately $144-$216 more than you would for LHG’s most comprehensive coverage.

Comparison Table: First American Home Warranty’s Pricing Plans

**Price reflects the same single-family home used in the LHG quote. 

Pros and Cons of First American Home Warranty

First American Home Warranty’s has a few positives, but it’s important to be aware of the negatives before you make a commitment, but it may provide an added-value for customers who receive the plan as an incentive when buying or selling their homes.

Pros:

• First American covers up to $7,000 per appliance with these higher tier plan options. 
• Its flexible service call fee option gives you more control over your out-of-pocket costs when you file a claim.
• Unlike LHG, FAHW Includes roof leak protection with its higher two plan options.
• FAHW plans can cover up to 3 additional refrigerators when you select add-on coverage. 

Cons:

• While other sources say FAHW home warranties can be purchased upfront, we didn’t see this option when we requested an online quote.
• FAHW offers 8 add-on options, which is significantly less than LHG’s impressive 40 options.
• Its sample contract doesn’t break down coverage caps for systems.
• FAHW is only available in 36 states, and not everywhere in each of those states which translates to limited nationwide availability, whereas Liberty Home Guard covers every zip code in all fifty (50) states.
• Customers don’t have the option to choose a systems or appliance-only plan.
• As much as 40% of negative reviews cite complaints about slow response time and unexplained claims denials. 

Liberty Home Guard vs First American Home Warranty: Coverage Comparison

First American Home Warranty offers higher coverage caps for systems and appliances, but its coverage is much less straightforward than Liberty Home Guard’s plans. We found its terms and comparisons harder to follow, whereas Liberty Home Guard made it easy to compare plans and covered items.

Who is better for appliance coverage between Liberty Home Guard and First American Home Warranty?

Liberty Home Guard is better than First American Home Warranty for appliance coverage. While they both cover similar appliances and systems, you’ll have to upgrade to a higher-tier plan with First American Home Warranty to get the same level of coverage you get with LHG’s base appliance plan. Because FAHW only offers comprehensive combination plans, you may end up paying for systems coverage you don’t need, if appliances are your bigger priority. That said, FAHW automatically covers trash compactors whereas LHG includes that item as an add-on option. 

According to its service agreement, LHG will cover up to $2,000 per appliance, even for pro-series appliances, which may exceed this limit. On the other hand, even FAHW’s lowest tier plans cover up to $3,500 for appliances and this limit doubles to $7,000 with the Premium Plan. However, it’s important to remember that many FAHW customers complain about claims denials with little or no explanation and few appliances cost that much, so it may be more of a marketing tactic than reality. Liberty Home Guard on the other hand seems to almost always offer some type of coverage and payout, including as a courtesy for uncovered claims. 

Comparison Table: Liberty Home Guard & First American Home Warranty Appliance Plans

Who provides better systems coverage between Liberty Home Guard and First American Home Warranty?

Liberty Home Guard and First American cover similar systems and appliances and they’re both rather opaque about the limits of this coverage. First American Home Warranty makes it a point to only cover electric air conditioning systems, which many might consider a knock against them, but it’s important to note that nearly all central air conditioning in residential environments is electric.  

All that said, Liberty Home Guard does a much better job breaking down its terms in its sample agreement. Each covered item is further broken down into small sections that include the covered and not covered components. 

FAHW also has a sample agreement and it gets some points for providing region-specific downloadable PDF copies. However, the terms of this agreement read more like sales language, the layout is harder to follow, and FAHW’s real estate plans further muddy the waters around covered items and terms, which seems to be an attempt to confuse homeowners when they file a claim.  

Comparison Table: Liberty Home Guard & First American Home Warranty System Plans

Which company offers better add-on options between Liberty Home Guard and First American Home Warranty?

In no uncertain terms, Liberty Home Guard offers coverage for more items compared to the offers from First American. In addition to the sheer customization possibilities, LHG’s pool and spa coverage is marginally cheaper than FAHW. 

First American Home Warranty’s add-on options aren’t as extensive as Liberty Home Guard’s options. but its $1,500 coverage cap is more generous. We’ve broken down the available add-ons and their prices below:

• Pool/spa equipment ($20.83/month)
• Well pump ($7.08/month)
• Electric central air conditioning ($8.33/month)
• Septic system ($7.08/month)
• Additional refrigeration ($4.17/month)
• Water softener ($7.08/month)
• Limited roof leak ($8.33/month)
• HVAC tune-up ($2.08/month)

LHG offers the following add-on options:

• Additional spa ($9.99/month)
• Carpet cleaning ($9.99/month)
• Casita guest unit ($35.99/month)
• Central Vacuum ($8.99/month)
• Ejector pump ($14.99/month)
• Electronics protection ($19.99/month)
• Freestanding ice maker ($14.99/month)
• Generator ($19.99/month)
• Grinder pump ($14.99/month)
• Gutter cleaning ($14.99/month)
• In-fridge ice maker ($3.99/month)
• Instant hot water dispenser ($9.99/month)
• Lawn sprinkler system ($9.99/month)
• Lighting fixtures ($7.99/month)
• Limited roof-leak ($11.99/month)
• Pest control ($14.99/month)
• Plumbing fixtures ($7.99/month)
• Pool and spa ($19.99/month)
• Pro-series clothes dryer ($4.99/month)
• Pro-series dishwasher ($7.99/month)
• Pro-series microwave ($4.99/month)
• Pro-series range/oven/cooktop ($12.99/month)
• Pro-series refrigerator ($14.99/month)
• Pro-series standalone freezer ($14.99/month)
• Pro-series washing machines ($4.99/month)
• Power washing for exterior flooring ($19.99/month)
• Re-key services ($9.99/month)
• Reverse osmosis water filter system ($14.99/month)
• Saltwater pool ($23.99/month)
• Second refrigerator ($7.99/month)
• Septic system pumping ($12.99/month)
• Stand-alone freezer ($5.99/month)
• Sump pump ($8.99/month)
• Swamp cooler ($14.99/month)
• Trash compactor ($7.49/month)
• Water dispenser water line ($4.99/month)
• Water softener ($13.99/month)
• Well pump ($12.99/month)
• Window washing/cleaning ($19.99/month)
• Wine cooler/fridge ($11.99/month)

Most items related to breakdowns have a $500 coverage cap, but others, like pest control, window washing, carpet cleaning, and power washing are proactive services that no other home warranty company really offers. Given the unique nature of these offerings, we suggest speaking with a Liberty Home Guard sales representative to clarify before you purchase those coverage items.

Customer Experience Analysis

In the home warranty industry, many companies are more focused on making a sale than retaining and satisfying their customers, so it’s doubly important to do your research into complaint patterns. We recommend reading customer reviews from several websites, calling representatives to ask clarifying questions, and asking your family, friends, and real estate professionals for details about their past experiences to make an informed choice. 

We’ve combed thousands of customer reviews across Google, TrustPilot, and consumer protection sites so you don’t have to. 

Liberty Home Guard Customer Reviews and Ratings

Liberty Home Guard maintains an impressive 4.7 rating with more than 16,000 Google reviews, which far exceeds First American’s 2.7 star rating. In LHG’s case, fewer than 15% of reviews were four stars or less, indicating strong and consistent customer satisfaction. Many other home warranty companies have much more contentious review profiles, whereas LHG reviews are glowing, citing common themes of attentive staff, knowledgeable technicians, and easy-to-understand terms.

We also read thousands of reviews across TrustPilot and the Better Business Bureau (BBB). On TrustPilot, LHG maintains similarly glowing reviews and an average rating of 4.6 stars based on more than 5,500 reviews. On LHG’s BBB profile, the company sits at 4.21 stars, which far outshines FAHW’s 1.88-star rating.  

We’ve also been tracking customer cancellation over the last three years and we have steadily kept our cancellation rates below 0.5% of policies, an unprecedented trend that proves LHG’s commitment to providing a valuable home warranty product. When we reached out to FAHW for similar numbers, the representatives weren’t able to disclose their cancellation rates.  

Here’s a quick sampling of LHG customer reviews that demonstrate their consistently positive ratings:

I had a wonderful experience with Liberty Home Guard, and I want to especially thank Franklin A. for his outstanding support. He was incredibly knowledgeable, patient, and professional throughout the entire process. He took the time to answer all my questions clearly and helped me find the best plan that fits my needs. It’s rare to find someone who is both efficient and genuinely caring — Franklin went above and beyond. Highly recommend both Liberty Home Guard and Franklin A. for anyone looking for reliable home warranty service! –– Finara Property Solutions LLC (5 stars) via TrustPilot

I am exceptionally pleased with the service that I have received.I have a 5 year old refrigerator that needs a repair of a new fan and just possibly a new ice maker. Unfortunately, the manufacturer has essentially gone out of business and they cannot source the parts that would make it a very moderately priced repair. So they are giving me multiple options to replace my current refrigerator with similar models. I am very pleased.–– Deborah H (5 stars) via BBB

I spoke with the claims department today. They were very efficient, professional, and nice. handled my claim quickly. Later when the issue was resolved by my technician they closed the claim and refunded their technician fee as he had not been dispatched. Very nice, it was obvious customer satisfaction is very important to them. –– Mariyln R Smith (5 stars) via Google Reviews

When we dug deep into reviews, we abandoned any recency bias by going back several years. Throughout our research, we found that LHG’s reputation was in good standing since its inception and in many cases, the company had taken steps to improve customer experience and satisfaction as it evolved. For example, we noticed that some customers received courtesy payouts for uncovered items or events, something we’ve never heard of from another company.

First American Home Warranty Customer Reviews and Ratings

While we’ve already covered that First American Home Warranty’s ratings aren’t as strong as LHG’s, let’s delve into the common complaints that substantiate that reputation. Starting with the positive, FAHW holds a 4-rating on TrustPilot, but more than 25% of reviewers left only 1-star. LHG, on the other hand, had less than 10% of reviewers leave anything less than 5-stars. 

Customers frequently complained about contradicting information from sales representatives and technicians, trouble getting through to customer service, and long wait times for repairs. These trends continued on the company’s BBB profile, where many customers further complained about a lack of transparency, unfairly low pay outs, and misleading terms. 

FAHW sits at 2.7 stars from nearly 4,000 Google Reviews, where customers continued to mention sketchy service technicians, wait times exceeding a month, and frequent issues with air conditioning claims denials. When we investigated some of the higher customer reviews to see what went better, we found that many of these policies were purchased through real estate transactions or otherwise incentivized, so customers didn’t feel as strongly about a wasted investment. Some customers say they’ve been with the company for years and always had a positive experience, but this further shows us that FAHW’s customer service and contractor vetting process is inconsistent at best and incompetent at worst. 

Response Times and Claim Processing Comparison

Liberty Home Guard typically processes claims within 24 hours during normal business hours, which is significantly faster than First American Home Warranty’s typical 48-hour response window. However, customer reviews tell a slightly different story. Liberty Home Guard customers often say their technicians reached out sooner than expected and completed the repairs efficiently––as long as there weren’t any backordered parts––whereas First American Home Warranty customers felt like their claims went unaddressed for weeks on end with no explanation. 

LHG’s user-friendly online portal is also a strength here. The website is much easier to navigate and customer service representatives appear to have a better communication process, making customers feel heard and understood when they’re stressed about their home systems and appliances. FAHW’s website, on the other hand, feels outdated and clunky in comparison. 

Final Verdict: Which Home Warranty Provider Is Better?

Conclusion and recommendation

Best Scenarios for Choosing Liberty Home Guard

Liberty Home Guard’s comprehensive, but customizable plan options make them ideal for customers with a lot of unconventional coverage needs, such as a saltwater pool, pro-series appliances, or home maintenance concerns, such as carpet cleaning or pest control. 

It’s also a great fit for customers who strongly value responsive customer service teams and thoroughly vetted contractors. Despite its impressive network of contractors, LHG doesn’t restrict its subscribers to their network only, making it a good option for homeowners who already have a relationship with a contractor they trust, but still want the financial protection of a home warranty.

Best Scenarios for Choosing First American Home Warranty

First American Home Warranty’s coverage can be good for homeowners who are diligent record-keepers and are willing to engage closely with the claims process. Those homeowners who actively manage their claims and provide thorough documentation of the covered item and its history will be better positioned to realize the full value of the policy’s higher-than-average touted coverage caps.  Additionally, its Starter Plan may also be a fit for very budget-conscious homeowners without central air conditioning, who simply can not afford premiums above a certain price point. 

Making Your Final Decision

Home warranty purchases are incredibly personal and there’s no one-size-fits-all solution. If you’re on the fence between the two companies, we recommend taking your time and making a slow decision based on lots of research. You’ll get the most visibility into the company’s policies, prices, and policies by comparing quotes, spending time on the phone with representatives, and thoroughly reading the sample terms where available. 

Still, Liberty Home Guard wins out in most apples-to-apples comparisons here and it has better customer reviews overall, so at the very least, it’s worth strong consideration as you navigate home warranties.