HomeMembership vs Liberty Home Guard: Plans, Pricing & Honest Comparison
Here we have a comparison between two fundamentally different approaches to the home warranty (residential service contract) model. HomeMembership operates on a reimbursement model — you choose your own licensed contractor, pay for the repair, and we reimburse you up to the coverage limit minus a $25 deductible. Liberty Home Guard operates on a contractor-dispatch model — you file a claim, LHG assigns a technician from its network, and you pay a $65–$125 service fee per visit (assigned after enrollment). Each model has meaningful advantages and trade-offs that affect your experience, cost, and coverage.
Liberty Home Guard was founded in 2017 in Brooklyn, New York and has grown rapidly to cover all 50 states plus Washington, DC. The company holds a 4.5-star rating on Trustpilot from 5,549 reviews and is known for the industry's widest add-on selection (42 options). HomeMembership is an independently owned provider based in Louisville, Kentucky, operating in 47 states with an A+ BBB rating and 3 complaints in 3 years. Below, we compare both companies using verified data from third-party sources — and let the numbers speak for themselves.
How do HomeMembership and Liberty Home Guard compare?
| Attribute | HomeMembership | Liberty Home Guard |
|---|---|---|
| Monthly Premium | Core: $57.91/mo; Plus: $66.25/mo | ~$50–$60/mo (varies by plan and location) |
| Deductible / Service Fee | $25 deductibleLowest | $65–$125 service fee (assigned after enrollment) |
| BBB Rating | A+ (accredited since 2019)Highest | NR (Not Rated) — Pattern of Complaint alertAlert |
| BBB Complaints (3-year) | 3 | Pattern of Complaint (volume not individually listed) |
| Plumbing Coverage | $3,925 (Core); $4,575 (Plus)9× More | $500 per term ($250 first 90 days)Low Cap |
| Electrical Coverage | $3,155 (Core); $3,405 (Plus)7× More | $500 per term ($250 first 90 days)Low Cap |
| Per-Item Cap | Per-component chart (varies by item) | $2,000 per item (general) |
| Aggregate Coverage | $35,000 (Core); $40,000 (Plus) | Not published (per-item caps apply) |
| HVAC Coverage | $13,430 (Core); $15,130 (Plus) | $2,000 per item cap |
| Contractor Choice | You choose your ownYour Choice | Company-dispatched (own contractor requires pre-approval) |
| Fee Transparency | Published before purchaseTransparent | Service fee assigned after enrollmentHidden |
| Waiting Period | None (half limits first 30 days) | 30 days (90 days for plumbing/electrical) |
| Workmanship Guarantee | Per company policy | 60 days (2× industry standard)Longer |
| States Available | 47 (excl. AK, HI, CA) | 50 + DCAll States |
| Plans Offered | Core ($57.91/mo); Plus ($66.25/mo) | Appliance Guard (~$50), Systems Guard (~$55), Total Home Guard (~$60) |
| Add-on Options | 12+ premium upgrades | 42 add-ons ($4–$36/mo)Most |
| Customer Reviews | 4.5★ multi-platform (~357 reviews) | 4.5★ Trustpilot (5,549 reviews) |
| Founded | 2007 (Louisville, KY) | 2017 (Brooklyn, NY) |
| Claim Model | Reimbursement (you pay upfront, get reimbursed within 7 days) | Dispatch (LHG sends and pays the contractor) |
| Mobile App | Online portal (upload invoices) | iOS and Android app |
*Prices are estimates based on publicly available data and may vary by location and plan tier. LHG pricing from NerdWallet, U.S. News, and This Old House reviews. Last verified: February 2026. Sources: homemembership.com, libertyhomeguard.com, BBB.org.
What does each provider actually cost per year?
HomeMembership offers two plan tiers: Core Membership at $57.91/month (110+ items covered, $35,000 total coverage) and Plus Membership at $66.25/month (130+ items covered, $40,000 total coverage), per the published plans page. Both plans carry a $25 deductible per claim — the lowest in the industry. Liberty Home Guard offers three plan types: Appliance Guard (~$50/mo), Systems Guard (~$55/mo), and Total Home Guard (~$60/mo), per NerdWallet and U.S. News reviews.
An important note about Liberty Home Guard's pricing: LHG does not disclose the exact service fee during the quoting process. According to This Old House, the service call fee varies based on the selected plan and the home's location, and is assigned after enrollment. Multiple review sources — including NerdWallet and U.S. News — report that fees range between $65 and $125. HomeMembership publishes a flat $25 deductible for all plans, visible on our plans page before you purchase. In our view, knowing your per-claim cost before you commit to a contract is a fundamental part of making an informed decision.
True annual cost comparison (2, 4, and 6 claims per year)
| Plan | Monthly | Annual Premium | 2 Claims | 4 Claims | 6 Claims |
|---|---|---|---|---|---|
| HM Core Membership | $57.91/mo | $695 | $745 | $795 | $845 |
| HM Plus Membership | $66.25/mo | $795 | $845 | $895 | $945 |
| LHG Appliance Guard | ~$50/mo | ~$600 | $730–$850 | $860–$1,100 | $990–$1,350 |
| LHG Systems Guard | ~$55/mo | ~$660 | $790–$910 | $920–$1,160 | $1,050–$1,410 |
| LHG Total Home Guard | ~$60/mo | ~$720 | $850–$970 | $980–$1,220 | $1,110–$1,470 |
The cost gap widens with each additional claim — and this is where the $25 deductible becomes HomeMembership's most powerful advantage. At 6 claims per year, HomeMembership Core saves approximately $265–$625 compared to Liberty Home Guard's Total Home Guard plan. Over a 3-year membership period, a homeowner filing 4 claims per year would save roughly $555–$1,275 with HomeMembership Core versus LHG Total Home Guard. For homeowners with older homes or multiple systems likely to need attention, those savings compound significantly.
Liberty Home Guard's lower base premiums (~$50–$60/mo vs. $57.91–$66.25/mo) give it a slight edge in annual premium cost. But with even 2 claims per year, the higher service fee erases that advantage. The crossover point depends on your specific LHG service fee assignment — if you receive a $65 fee, the gap is smaller; at $125, HomeMembership wins on total cost at every claim volume.
Which company has better coverage limits?
Plumbing and electrical coverage — the critical gap
| Category | HomeMembership Core | HomeMembership Plus | Liberty Home Guard |
|---|---|---|---|
| Plumbing (total) | $3,925 | $4,575 | $500 ($250 first 90 days)Low |
| Electrical (total) | $3,155 | $3,405 | $500 ($250 first 90 days)Low |
| HVAC (total) | $13,430 | $15,130 | $2,000 per item |
| General appliances | Per-component chart | Per-component chart | $2,000 per item |
| Coverage structure | Per-component limits with published part + labor amounts | Per-item cap ($2,000 general; $500 plumbing/electrical) | |
| Aggregate limit | $35,000 | $40,000 | Not published |
The plumbing and electrical gap is the single most important difference between these two companies. According to HomeAdvisor and Angi, a main sewer line repair costs $1,500–$4,000, a water line replacement costs $1,500–$3,000, and an electrical panel replacement costs $1,300–$3,000. Liberty Home Guard's $500 cap would leave you responsible for $1,000–$3,500 out of pocket on a single plumbing or electrical repair. HomeMembership covers up to $3,925–$4,575 in plumbing and $3,155–$3,405 in electrical on the Core and Plus plans respectively.
Multiple independent reviewers have flagged this limitation. This Old House specifically notes that the $500 plumbing and electrical cap "falls short compared to other home warranty plans." NerdWallet lists the low plumbing and electrical limits as one of LHG's most notable drawbacks. U.S. News echoes this concern in its January 2026 review.
What happens when you actually file a claim?
| Repair Scenario | Typical Cost | HM Core Pays | You Pay (HM) | LHG Pays | You Pay (LHG) |
|---|---|---|---|---|---|
| Water heater replacement | $800–$1,200 | Up to $950 | $25 deductible | Up to $2,000 | $65–$125 fee |
| Main sewer line repair | $1,500–$4,000 | Up to $3,925 | $25 deductible | Up to $500 | $1,065–$3,625Gap |
| Electrical panel replacement | $1,300–$3,000 | Up to $650 + labor | $25 deductible | Up to $500 | $865–$2,625Gap |
| AC compressor replacement | $1,000–$2,500 | Up to $1,300 | $25 deductible | Up to $2,000 | $65–$125 fee |
| Toilet + plumbing leak (same term) | $400–$800 | Up to $810 | $25 deductible | Up to $500 (total plumbing cap) | $0–$365+Near cap |
The pattern is clear: for water heaters and HVAC items where LHG's $2,000 per-item cap is adequate, both companies perform similarly — though HomeMembership's $25 deductible still saves $40–$100 per claim versus LHG's $65–$125 service fee. But for plumbing and electrical repairs — which are among the most common and expensive home repairs — Liberty Home Guard's $500 cap creates a substantial coverage gap. A single sewer line repair could leave you $1,000–$3,500 out of pocket with LHG, while HomeMembership covers up to $3,925 in plumbing on the Core plan alone.
This is not a theoretical concern. According to NerdWallet, the low plumbing and electrical coverage limits are one of Liberty Home Guard's most notable drawbacks. This Old House specifically notes that the $500 cap "falls short compared to other home warranty plans" and could leave homeowners responsible for significant additional costs.
How does the claim process work at each company?
HomeMembership claim process (reimbursement model)
When a covered system or appliance breaks down, you check your coverage chart to confirm the item is covered, then choose any licensed contractor in your area — either someone you already trust or a provider from the HomeMembership provider network locator. The contractor performs the repair, you pay them directly, then upload the invoice (with before and after photos) through the online claims portal. HomeMembership reimburses covered charges within seven days of verification, minus the $25 deductible.
Liberty Home Guard claim process (dispatch model)
You file a claim through the LHG app or by phone (available 24/7) and pay your assigned service fee ($65–$125). LHG dispatches a contractor from its network to diagnose and repair the issue. If the repair exceeds the per-item coverage limit, you pay the difference. LHG also offers a pre-approved option where you can request to use your own contractor, but this requires prior authorization from LHG before any work begins.
When does each model win?
| Scenario | Better Choice | Why |
|---|---|---|
| You have a trusted local contractor | HomeMembership | You choose who does the work — no pre-authorization required |
| You need a repair urgently | HomeMembership | No waiting for dispatch — call your contractor immediately |
| You cannot cover upfront repair costs | LHG | You pay only the $65–$125 service fee; LHG pays the contractor |
| You do not know any contractors | LHG | LHG handles finding and scheduling the technician |
| You file 3+ claims per year | HomeMembership | $75 in deductibles vs. $195–$375 in service fees at LHG |
| You want workmanship guarantee | LHG | 60-day workmanship guarantee — 2× industry standard |
The contractor dispatch model is the single largest source of complaints in the home warranty industry, based on our review of BBB complaint patterns across providers. Common grievances include long wait times for assigned technicians, contractors performing temporary fixes rather than proper repairs, and difficulty getting follow-up service. The reimbursement model eliminates these issues but requires available cash for the upfront repair cost and the ability to identify quality contractors independently.
How do BBB ratings and customer satisfaction compare?
BBB rating comparison
BBB ratings and complaint statuses from publicly available profiles, reviewed February 2026. Sources: HomeMembership BBB profile, LHG BBB profile.
Liberty Home Guard's BBB history is notable. According to the BBB profile and third-party reports from RetirementLiving and Lendstart, LHG previously held ratings as high as A+ but has been downgraded multiple times due to complaint volume patterns. The current NR (Not Rated) status means the BBB is not currently assigning a letter grade, and the Pattern of Complaint alert indicates the BBB has identified a recurring theme in complaints that the business has not adequately addressed.
We want to be fair about this: LHG is a relatively young company (founded 2017) that has grown rapidly. Fast growth often outpaces customer service infrastructure. And LHG's Trustpilot rating tells a different story — 4.5 stars from 5,549 reviews is an "Excellent" rating, suggesting that the majority of its customers are satisfied with the service they receive. The BBB and Trustpilot ratings should be considered together for a complete picture.
Review scores across platforms
| Platform | HomeMembership | Liberty Home Guard |
|---|---|---|
| BBB Rating | A+ (accredited since 2019) | NR (Not Rated) — Pattern of ComplaintAlert |
| BBB Complaints (3-year) | 3 | Pattern of Complaint (volume-based alert) |
| Trustpilot | 3.2/5 (limited reviews) | 4.5/5 (5,549 reviews)Higher |
| Multi-platform aggregate | 4.5★ (~357 reviews via Birdeye) | 4.5★ Trustpilot (highest volume) |
| ConsumerAffairs | Listed | 4.1★ (2,700+ reviews) |
What plans does each company offer?
HomeMembership Plans
Reimbursement model with transparent coverage chart
- Core Membership
- $57.91/mo — 110+ items, $35,000 coverage
- Plus Membership
- $66.25/mo — 130+ items, $40,000 coverage
- Deductible
- $25 per claim
- Coverage Model
- Per-component chart with published part + labor limits
- HVAC Coverage
- $13,430 (Core) or $15,130 (Plus)
- Plumbing Coverage
- $3,925 (Core) or $4,575 (Plus)
- Electrical Coverage
- $3,155 (Core) or $3,405 (Plus)
- Contractor
- You choose any licensed contractor
- Reimbursement
- Within 7 days of invoice verification
- States
- 47 (excludes AK, HI, CA)
HomeMembership operates on an "if it's on the chart, it's covered" model — the coverage chart lists every covered component with its specific part limit and labor hours (at $100/hour). Premium add-on upgrades are available for roof ($104.05/yr), pool ($143.05/yr), sewer line ($150/yr), septic ($117/yr), and more.
Pros
- $25 deductible — lowest in the industry
- Choose your own licensed contractor
- A+ BBB with 3 complaints in 3 years
- Transparent per-component coverage chart
- $13,430–$15,130 in HVAC coverage
- $3,925–$4,575 in plumbing coverage (9× more than LHG)
- $3,155–$3,405 in electrical coverage (7× more than LHG)
- No waiting period (half limits first 30 days)
- 7-day reimbursement turnaround
Cons
- Requires upfront payment (reimbursement model)
- Higher monthly premium than LHG's entry-level Appliance Guard
- Not available in AK, HI, or CA
- Fewer add-on options (12+ vs. LHG's 42)
- Fewer online reviews (smaller customer base)
- No mobile app (web portal only)
Liberty Home Guard Plans
Dispatch model with specialized plan types and 42 add-ons
- Appliance Guard
- ~$50/mo — 9 appliances covered
- Systems Guard
- ~$55/mo — 6 home systems covered
- Total Home Guard
- ~$60/mo — 15 items (appliances + systems)
- Service Fee
- $65–$125 per visit (assigned after enrollment)
- Per-Item Cap
- $2,000 general; $500 plumbing/electrical
- Add-ons
- 42 options ($4–$36/mo each)
- Workmanship
- 60 days (2× industry standard)
- States
- All 50 + DC
- Waiting Period
- 30 days (90 days plumbing/electrical)
- Mobile App
- iOS and Android
LHG's three specialized plans let you pay only for what you need — appliances only, systems only, or both combined. The 42 add-on options ($4–$36/month each) are the widest selection in the industry, including pest control, gutter cleaning, window washing, TV mounting, power washing, and 6 pro-series appliance tiers. LHG also offers a 60-day workmanship guarantee, which is twice the 30-day industry standard.
Pros
- 3 specialized plan types (appliance, systems, combined)
- 42 add-on options — widest in the industry
- 60-day workmanship guarantee (2× standard)
- All 50 states + DC coverage
- 4.5★ Trustpilot from 5,549 reviews
- Mobile app on iOS and Android
- Pro-series appliance coverage options
- Home maintenance add-ons (pest, cleaning, gutter)
Cons
- $65–$125 service fee — 2.6×–5× higher than HomeMembership
- Service fee not disclosed until after enrollment
- $500 plumbing cap ($250 first 90 days) — 8×–9× less than HM
- $500 electrical cap ($250 first 90 days) — 6×–7× less than HM
- NR BBB rating with Pattern of Complaint alert
- 30-day waiting period (90 days for plumbing/electrical)
- Excludes wall/concrete access damage for plumbing/electrical
- Company-dispatched contractors (limited choice)
Who should choose HomeMembership vs. Liberty Home Guard?
Choose HomeMembership if you:
Already have a trusted local plumber, HVAC technician, or electrician and want to keep using them. File 2 or more claims per year and want the lowest out-of-pocket per claim ($25 deductible vs. $65–$125 service fee at LHG). Have aging plumbing or electrical systems that may need repairs exceeding $500 (LHG's cap covers only a fraction of common plumbing and electrical repairs). Value transparent, clear-language coverage where you can see exactly what is and is not covered before purchasing. Want to control the repair timeline — scheduling directly with your contractor instead of waiting for dispatch. Prefer an independently owned provider with an A+ BBB rating and minimal complaints. Live in one of the 47 states where HomeMembership operates. View HomeMembership plans →
Choose Liberty Home Guard if you:
Live in Alaska, Hawaii, or California (where HomeMembership does not operate). Want appliance-only coverage without paying for home systems ($50/mo Appliance Guard). Need the industry's widest add-on selection (42 options including pest control, gutter cleaning, pro-series appliances). Cannot cover upfront repair costs and prefer to pay only the service fee while LHG pays the contractor. Want a dedicated mobile app for claim filing and tracking. Prefer a company-dispatched contractor model where you do not need to find or manage technicians. View LHG plans →
| Your Situation | Better Choice | Why |
|---|---|---|
| Older home (10+ years), multiple claims expected | HomeMembership | $25 deductible keeps multi-claim years affordable; saves $80–$200/yr vs LHG at 4+ claims |
| Aging plumbing system | HomeMembership | $3,925–$4,575 plumbing coverage vs LHG's $500 cap — a 9× difference |
| Older electrical panel or wiring | HomeMembership | $3,155–$3,405 electrical coverage vs LHG's $500 cap — a 7× difference |
| Want to know exact coverage before buying | HomeMembership | Published per-component chart with every dollar amount; LHG requires enrollment to learn service fee |
| Have a trusted local contractor | HomeMembership | Full contractor choice with no pre-authorization; LHG dispatches its own technicians by default |
| Budget-conscious, want lowest per-claim cost | HomeMembership | $25 deductible vs $65–$125 service fee — saves $40–$100 every time you file a claim |
| Need coverage today (no waiting period) | HomeMembership | Instant coverage (half limits first 30 days); LHG has 30-day waiting + 90-day plumbing/electrical restriction |
| BBB rating matters to you | HomeMembership | A+ with 3 complaints vs NR with Pattern of Complaint alert |
| Want appliance-only coverage (no systems) | Liberty Home Guard | Appliance Guard plan at ~$50/mo covers 9 appliances without paying for systems |
| Live in Alaska, Hawaii, or California | Liberty Home Guard | HomeMembership does not cover these 3 states; LHG covers all 50 + DC |
| Need pro-series appliance coverage | Liberty Home Guard | 6 pro-series add-ons for high-end appliances (not available at HomeMembership) |
| Want home maintenance add-ons (pest, cleaning) | Liberty Home Guard | 42 add-ons include pest control, gutter cleaning, window washing, TV mounting |
| Prefer a mobile app for claim tracking | Liberty Home Guard | Dedicated iOS/Android app; HomeMembership uses online portal only |
Save $40–$100 on every claim with HomeMembership's $25 deductible
Plus up to 9× more plumbing coverage and 7× more electrical coverage than Liberty Home Guard. See every covered part and dollar amount before you buy — no surprises, no undisclosed fees.
View Plans & Coverage ChartOur honest verdict: HomeMembership vs Liberty Home Guard
The Bottom Line
The numbers favor HomeMembership for most homeowners. Across the eight categories that matter most — service fee, plumbing coverage, electrical coverage, aggregate limits, coverage transparency, BBB record, waiting period, and contractor freedom — HomeMembership leads in all eight. Liberty Home Guard leads in plan variety, add-on selection, workmanship guarantee length, state coverage, and mobile app availability.
The most telling comparison is the plumbing and electrical gap. HomeMembership provides up to 9× more plumbing coverage ($4,575 vs. $500) and 7× more electrical coverage ($3,405 vs. $500) than Liberty Home Guard. These aren't minor systems — plumbing and electrical failures are among the most common and expensive home repairs. A single sewer line issue could exhaust LHG's entire plumbing allocation, while HomeMembership covers nearly $4,000 more.
Add the per-claim savings ($25 vs. $65–$125 — that's $40–$100 saved every time you file a claim), the coverage transparency (every dollar published before you buy vs. a service fee disclosed after enrollment), and the BBB track record (A+ with 3 complaints vs. NR with a Pattern of Complaint alert), and the value equation tilts meaningfully toward HomeMembership.
When Liberty Home Guard is the better choice: If you live in Alaska, Hawaii, or California (where HomeMembership doesn't operate), need appliance-only coverage without paying for systems, want pro-series appliance protection, or value the convenience of a mobile app and dispatch model — LHG is a legitimate and popular option. Its 4.5-star Trustpilot rating from 5,549 reviews shows that the majority of its customers are satisfied. But for homeowners who want the most coverage per dollar, the lowest per-claim cost, and the confidence of knowing exactly what they're buying — we believe the data points to HomeMembership.
Frequently asked questions
Is HomeMembership or Liberty Home Guard better?
For most homeowners, HomeMembership delivers more coverage per dollar. HomeMembership offers a $25 deductible (vs. LHG's $65–$125 service fee), up to 9× more plumbing coverage ($4,575 vs. $500), up to 7× more electrical coverage ($3,405 vs. $500), and an A+ BBB rating with 3 complaints (vs. LHG's NR with a Pattern of Complaint alert). Liberty Home Guard is the better choice for homeowners who want appliance-only coverage, need all-50-state availability, or prioritize the widest add-on selection in the industry (42 options).
How much cheaper is HomeMembership per claim than Liberty Home Guard?
HomeMembership saves $40–$100 on every claim. HomeMembership charges a flat $25 deductible; Liberty Home Guard charges $65–$125 per service call. At 4 claims per year, HomeMembership saves $160–$400 in service fees alone. Over a 3-year period at 4 claims per year, that totals approximately $555–$1,275 in savings.
Why is Liberty Home Guard's BBB rating NR (Not Rated)?
Liberty Home Guard previously held a BBB rating as high as A+ but has been downgraded multiple times due to complaint volume patterns. As of February 2026, LHG holds an NR (Not Rated) status with a Pattern of Complaint alert on its BBB profile. The Pattern of Complaint designation means the BBB identified a recurring theme in complaints that the business has not adequately resolved. HomeMembership holds an A+ BBB rating with only 3 complaints in 3 years.
What is Liberty Home Guard's plumbing coverage limit?
Liberty Home Guard caps plumbing coverage at $500 per contract term, with a reduced limit of $250 during the first 90 days. HomeMembership covers up to $3,925 (Core) or $4,575 (Plus) in plumbing repairs — approximately 8–9 times more. Multiple third-party reviewers including NerdWallet, U.S. News, and This Old House have noted LHG's low plumbing and electrical caps as a significant drawback.
Does Liberty Home Guard disclose its service fee before you sign up?
No. According to This Old House and NerdWallet, Liberty Home Guard's service fee ($65–$125) is assigned after enrollment based on your selected plan and home location. You do not know your exact per-claim cost until after you have committed to a contract. HomeMembership publishes a flat $25 deductible for all plans on its plans page before you purchase.
Can I switch from Liberty Home Guard to HomeMembership?
Yes. Review Liberty Home Guard's cancellation policy for any applicable fees. Then enroll with HomeMembership — coverage begins 30 days after enrollment (or at closing if tied to a real estate transaction). HomeMembership is available in 47 states (all U.S. states except Alaska, Hawaii, and California). View plans and pricing →
Which company has more add-on options?
Liberty Home Guard offers 42 add-on options ($4–$36/month each) — the widest selection in the industry, including pest control, gutter cleaning, window washing, TV mounting, power washing, and 6 pro-series appliance tiers. HomeMembership offers 12+ premium add-on upgrades including roof ($104.05/yr), pool ($143.05/yr), sewer line ($150/yr), and septic ($117/yr). If add-on variety and home maintenance bundling is your top priority, LHG has a clear advantage.
Which company is better for older homes with aging plumbing?
HomeMembership — by a significant margin. Older homes with galvanized pipes, aging supply lines, or outdated drain systems are the most likely to need plumbing repairs exceeding $500. HomeMembership covers up to $4,575 (Plus) in plumbing repairs — 9× more than LHG's $500 cap. A single sewer line repair ($1,500–$4,000 per HomeAdvisor) would exceed LHG's plumbing limit on day one, leaving you responsible for $1,000–$3,500 out of pocket.
Methodology and sources
Data collection period: February 2026
Data sources: HomeMembership BBB profile, LHG BBB profile, HomeMembership published plans, LHG published plans, NerdWallet LHG review, U.S. News LHG review (Jan 2026), This Old House LHG review (Nov 2025), Trustpilot LHG reviews, ConsumerAffairs LHG reviews, RetirementLiving LHG review, Lendstart LHG review, HomeAdvisor repair cost data, Angi repair cost data.
Pricing methodology: LHG pricing ranges from third-party reviews (NerdWallet, U.S. News, This Old House). HomeMembership pricing from its published plans page. Service fee ranges ($65–$125) reported by multiple independent sources. All prices are pre-tax estimates.
Disclosure: HomeMembership is a home warranty provider and one of the two companies compared. We earn revenue from selling our own warranty plans, not from affiliate commissions. Every statistical claim in this guide is attributed to a named source with a direct link. We update this page to reflect pricing changes, BBB status changes, and coverage modifications.
About HomeMembership: Based in Louisville, Kentucky, HomeMembership provides home warranty plans (residential service contracts) in 47 states with a $25 deductible — the lowest in the industry — an A+ BBB rating with only 3 complaints in 3 years, and a choose-your-own-contractor reimbursement model. For our complete comparison of all major providers, see our best home warranty companies guide. Other comparisons: HomeMembership vs American Home Shield. View plans & pricing · File a claim · Contact us · Read customer reviews · Home warranty FAQ · Coverage by state