Last updated: October 2026 · Consumer education page · Editorial disclaimer
| Liberty Home Guard | State Farm Home Warranty | |
|---|---|---|
| Founded | 2017 | 1922 |
| Headquarters | Brooklyn, New York | Bloomington, Illinois |
| Plan tiers | Appliance Guard, Systems Guard, Total Home Guard | Basic Home Protection, Standard Home Protection, Comprehensive Protection |
| Free quote | Free personalized quote | Free personalized quote |
Plan names, fees, and coverage caps change frequently. Always confirm current details on each company's official site or in a written quote before buying.
Compare coverage: Liberty and State Farm each offer different plan tiers. Compare the coverage details carefully to find the best fit for your home.
If you have an older home or older HVAC system: read the "pre-existing conditions" and "improper installation" sections in each contract first — these clauses are the most common source of public complaints across every home warranty company.
If you want a longer track record: State Farm Home Warranty has been in business longer (since 1922) and a longer history can make BBB ratings, public complaints, and review patterns easier to evaluate.
If you want a written quote without a phone call: you can get an independent home warranty quote in minutes — get a free personalized quote with no inspection required — useful as a third reference point alongside Liberty and State Farm.
"Better" depends on what you need: best coverage for your systems, broadest contractor network, or shortest claim turnaround. Read each company's most recent reviews and a sample contract before deciding.
Both companies offer tiered plans that typically cover HVAC, plumbing, electrical, and major appliances. The differences are usually in coverage caps, exclusions, add-ons (pools, septic, roof leaks), and service-call fees.
Yes. Most home warranty plans allow cancellation with a prorated refund after the first 30 days. New coverage from a different provider usually has a 30-day waiting period before claims are eligible.
Yes — you can get a Property Warranty quote in minutes — free personalized quote, no inspection required — and use it as a third reference point.
Get your free personalized quote today. No inspection required.