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Liberty Home Guard Review

This review was created to help you better understand the pros and cons of home warranty plans provided by Liberty Home Guard.

This review was created to help you better understand the pros and cons of home warranty plans provided by Liberty Home Guard.


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    Liberty Home Guard Summary

    Liberty Home Guard (LHG), though a relatively new company in the home warranty industry, offers comprehensive and affordable coverage through their three plans and optional coverage.

    In this updated 2020 Liberty Home Guard review, we discuss plan details and how much each plan costs, compare Liberty Home Guard against other top home warranty reviews, discuss customer reviews, and provide our take on whether or not this home warranty company could be a good fit for you and your home.

    • All plans are under $60.00 per month
    • Offers additional add-ons for up to 20 items
    • Provides coverage regardless of the age of your systems and appliances

    Liberty Home Guard plans

    Liberty Home Guard offers three home warranty plans at an average cost of $40–$60 a month.

    • Appliance Guard$40.00 per month ($480.00 per year). This plan covers nine of your home’s major appliances.
    • System Guard$50.00 per month ($600.00 per year). This plan protects six of your home’s essential systems.
    • Total Home Guard$60.00 per month ($720.00 per year). This plan offers the most comprehensive protection, combining coverage under Appliance Guard and System Guard to protect most major home appliances and systems.

    *Customers also have the option to add on additional coverage for 20 different items including a stand alone freezer, water softener, pool, and spa.

    Liberty Home Guard coverage

    Liberty Home Guard offers three plans to customers—Appliance Guard, System Guard, and Total Home Guard—at an average cost of $40–$60 a month, and $420—$720 per year.

    Customers also have the option to add on additional coverage for 20 different items including a stand alone freezer, water softener, pool, and spa, gutter cleaning, pest control, and more.

    Appliance Guard

    • Dishwasher
    • Kitchen refrigerator
    • Built-in microwave oven
    • Clothes washer
    • Clothes dryer
    • Garbage disposal
    • Range/oven/cooktop
    • Ceiling and exhaust fans
    • Garage door openers

    System Guard

    • Central air conditioning
    • Central Heating
    • Plumbing
    • Electrical
    • Water heaters
    • Ductwork

    Total Home Guard

    • Dishwasher
    • Kitchen refrigerator
    • Built-in microwave oven
    • Air conditioning
    • Heating
    • Plumbing
    • Clothes washer
    • Clothes dryer
    • Electrical
    • Water heaters
    • Ductwork
    • Ranges/ovens/cooktops
    • Garbage Disposal
    • Garage door openers
    • Ceiling and exhaust fans

    In addition to the monthly premium, you can expect to pay a $60 service call fee every time you file a complaint. This fee is paid directly to the contractor when they come to assess a broken appliance or system.

    Note: The price of your Liberty Home Guard plan will vary depending on where you live, the plan you select, and how many add-ons you include in your plan.

    Details for top systems and appliances

    Our team wanted to know which home systems and appliances are most valuable to policyholders, so we surveyed 1,000 homeowners and asked them which items were most important to them. Survey results indicated that the most important systems and appliances to customers are the plumbing, electrical, air conditioning, refrigerator, oven/stove/range, and washer/dryer.

    Refrigerator

    The kitchen refrigerator is covered under both Appliance Guard and Total Home Guard. Both plans cover all mechanical components and parts of a fridge and even cover freezer components that are essential to the refrigerator.

    Oven/range/stovetop

    Liberty Home Guard covers all mechanical components and parts of the oven/range/stovetop through Appliance Guard and Total Home Guard coverage but doesn’t protect cosmetic items such as handles and racks.

    Clothes washer and dryer

    The clothes washer and dryer are covered under Liberty Home Guard’s basic Appliance Guard plan. Components and parts essential to the functionality of the appliance are covered.

    Electrical

    The electrical system is covered under System Guard and Total Home Guard protection. Coverage encompasses all mechanical components and parts of the system but leaves out coverage for items like CO alarms and smoke detectors.

    Plumbing

    Liberty Home Guard protects a variety of items in your home’s plumbing system including toilet tanks, built-in bathtubs, and water leaks and breaks. Notable items that LHG doesn’t cover are drain stoppages, Roman tubs, and bathtub drain mechanisms.

    Air conditioning

    Under LHG’s System Guard and Total Home Guard, ducted electric central AC and ducted electric wall AC up to a five-ton capacity are covered. Liberty Home Guard doesn’t cover leaks of any kind or window units, unless additionally purchased.

    Coverage length

    Coverage begins 30 days after the agreement period begins, which is normally 30 days after Liberty Home Guard receives and accepts your application and payment. Coverage will continue for the length of the contract. If Liberty Home Guard chooses to, they can elect to renew your contract 60 days prior to expiration. Unless you decline the offer to renew, you’ll be charged the cost of the renewed plan.

    Coverage limits

    Liberty Home Guard doesn’t protect the routine maintenance of covered items, including components the manufacturer recommends regularly cleaning and maintaining. Additionally, Liberty Home Guard doesn’t cover commercial grade equipment, doesn’t cover Samsung appliances, and won’t cover the cost of disposing of an appliance, system, or component.

    Liberty Home Guard has a coverage cap of $1,600 for most items. This means that for the length of the contract, this provider will only cover repairs or replacements for each appliance and system up to $1,600.

    Before signing a contract with any home warranty company, ensure that you understand their terms and conditions, where information such as the coverage lengths and limits will be detailed.

    Service claims

    Liberty Home Guard customers can file a claim 24 hours a day, seven days a week. Customers can access the claims department and customer service through their online portal and mobile app.

    Customers can:

    • Submit a claim online—https://www.libertyhomeguard.com/customer-login/
    • Call the customer support center—1-833-544-8273

    Liberty Home Guard cost

    Liberty Home Guard plans start at just $1 a day, but most customers pay between $40–$60 a month, with plans costing on average, between $420—$720 a year. Depending on what region of the country you live in, this price can vary.

    That being said, your total home warranty cost depends on where you live, the level of coverage you choose, and any optional coverage you choose to add on. We recommend calling Liberty Home Guard for a personalized quote from the company. Plus, it’s easier to negotiate a better deal over the phone than through email.

    Service fees

    Liberty Home Guard charges a typical standard $60 service fee, which you pay when you file a complaint. This fee is paid directly to the contractor when they come to assess a broken appliance or system.

    Liberty Home Guard reviews

    Liberty Home Guard has been in the business for two years and is among one of the top-rated companies in the home warranty industry. Their A Better Business Bureau rating, BBB accreditation, and positive record on trusted review websites like ConsumerAffairs.com, TrustPilot.com, and many others are evidence of this. Here are a few Liberty Home Guard customer reviews from the BBB:

    Conrad B. on April 3, 2020

    I called in with a claim on my stove, they scheduled someone to come out the following day, the repairman showed up early (he called me first to make sure it was ok and I confirmed it was). Very cordial, professional, experienced. He diagnosed and corrected the issue appropriately. I was pleased with the service. Thank you.

    Amberly D. on May 5, 2020

    “Thank you for being there during this horrible time. I was so upset when my plumbing failed on me and thought getting a mechanic would be impossible due to this COVID-19. I’m so thankful for the prompt service I got from you all.”

    Liberty Home Guard ratings

    The Better Business Bureau (BBB) gives Liberty Home Guard an A rating, with an average of 4.8 stars from over 200 customer reviews. Liberty Home Guard has been in business for two years and is accredited with the BBB.

    Consumers Advocate gives Liberty Home Guard a 4.3 out of 5 rating, otherwise known as “excellent” on the site. They note that Liberty Home Guard’s greatest strength is wide-ranging and reasonably priced coverage, and flexibility of its policies’ terms. They also mention that Liberty Home Guard has a dedicated network of certified experts and service providers, recognizing that consumers’ access to claims filing 24/7 further improve the company’s marks.

    Liberty Home Guard At A Glance

    Waiting Period 30 days
    Cancel without fee within 30 days
    Cancellation fee $50
    Automatic Renewal Yes
    Period to cancel automatic renewal 60 days
    Repair timeframe 2 business days
    Free Re-service Period (parts) 60 days
    Free Re-service Period (labor) 60 days
    Customer Service 24/7

    Our conclusion

    House Method gives Liberty Home Guard 4.2 out of 5 stars. Our review shows that the company offers a variety of plans and optional add-ons that allow customers to receive comprehensive and affordable coverage. Its service fees are low compared to the industry average, but it doesn’t provide free cancellation or a guaranteed response time like many home warranty providers.

    We believe Liberty Home Guard is a good choice for you if…

    • you want a plan that covers the basics—If you’re looking for affordable coverage that protects your home’s major systems or appliances, this could be a good home warranty plan for you.
    • want constant customer support—Liberty Home Guard offers customer service 24 hours a day, seven days a week, 365 days a year, and they even offer emergency services for items that need immediate attention.
    • are looking for an affordable plan—This provider offers an appliance plan that covers nine major appliances for around $40 per month.

    Liberty Home Guard might not be the best option for you if…

    • you want to try out a home warranty—Liberty Home Warranty doesn’t offer free cancellation within 30 days after the contract start date, so if you want to test out this home warranty to see if it’s right for you, you can’t cancel for free.
    • you live in Washington, or Wisconsin, as these states aren’t covered by Liberty Home Warranty.

    Liberty Home Guard company information

    • Company name: Liberty Home Guard LLC
    • Company type: Private
    • CEO: David Murphy, Vice President of Customer Relations
    • Founding date: 9/19/2017
    • Address: 4101 Avenue U, Brooklyn, NY 11234-5119
    • State availability: 48 states
    • Service fee: $60
    • BBB rating: A
    • Number of BBB complaints closed within last 3 years: 31

    Frequently Asked Questions

    • Q.
    • What does Liberty Home Guard cover?
    • A.
    • Liberty Home Guard covers most major appliances and systems, with its most comprehensive package protecting 15 items. Liberty Home Guard covers the top three appliances and top three systems that, according to our survey, are most important to homeowners. Additionally, Liberty Home Guard offers optional add-ons for up to 20 items. - Appliance Guard covers nine of your home’s major appliances. - System Guard plan protects six of your home’s essential systems. - Total Home Guard plan offers the most comprehensive protection, combining coverage under Appliance Guard and System Guard to protect most major home appliances and systems.
    • Q.
    • Does Liberty Home Guard require a home inspection?
    • A.
    • According to the terms and conditions located in Liberty Home Guard’s sample contract, this provider has the right to request home inspection reports to ensure that all covered items are properly installed and in good working order. However, it does not require a home inspection before coverage kicks in.
    • Q.
    • How long is Liberty Home Guard’s workmanship guarantee?
    • A.
    • If an item breaks down within 60 days of its initial repair or replacement, Liberty Home Guard will send a service contractor to your house to make another repair free of charge.
    • Q.
    • Will Liberty Home Guard let me use my own contractor?
    • A.
    • In their sample contract, Liberty Home Guard explains their right to select a service contractor to perform your repair or replacement. LHG has to authorize your use of an independent contractor in the event it's needed.

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