Name: Liberty Home Guard Home Warranty
Brand: Liberty Home Guard

Liberty Home Guard Review

Liberty Home Guard offers multiple home warranty options to repair or replace major appliances and systems with one annual or monthly fee. Recurring payments are much easier to budget for than unexpected household breakdowns that can happen at any time. We included Liberty Home Guard in our Best Home Warranty Companies Guide because the company allows consumers to tailor a plan with an extensive selection of add-on services and a 60-day workmanship guarantee.

Pros

30+ add-ons
Live chat feature on the website
No inspection required
Fast claims response times

Cons

Excludes all pre-existing conditions
Must purchase additional coverage for pro-series and commercial appliances

Liberty Home Guard Plans

Liberty Home Guard has three coverage plans and more than 30 available add-ons. It’s one of the few home warranty companies that offer optional coverage for carpet cleaning, saltwater pools, wine coolers, and gutters.

Plan types: 3
Response time: 24 hours
States served: All 50 states
Service fee: $65 to $125

As of April 2023, LHG is available in all 50 states. There is no age limit on appliance coverages, and a home inspection is not required for service.

Home Warranty Plans and Coverage
Appliance Guard	Systems Guard	Total Home Guard
√ Washer and dryer	√ Air Conditioning	√ Washer and dryer
√ Refrigerator	√ Heating	√ Air Conditioning
√ Ice maker and dispenser	√ Ductwork	√ Refrigerator
√ Built-in microwave	√ Plumbing	√ Heating
√ Dishwasher	√ Electrical	√ Ice maker and dispenser
√ Garbage disposal	√ Water heater	√ Ductwork
√ Range / oven / cooktop		√ Built-in microwave
√ Ceiling and exhaust fans		√ Plumbing
√ Garage door opener		√ Dishwasher
		√ Electrical
		√ Garbage disposal
		√ Water heater
		√ Range / oven / cooktop
		√ Ceiling and exhaust fans
		√ Garage door opener

Liberty Home Guard Add-Ons

You can customize any of the three Liberty Home Guard home warranty packages listed above with add-ons to get customized coverage for your home. One add-on you won’t find from Liberty is for a refrigerator ice maker. Unlike many home warranty companies, Liberty Home Guard covers the entire refrigerator including the ice maker and dispenser.

Liberty Home Guard
Pool and spa	Limited roof leak
Sump pump	Re-keying locks
Well pump	Gutter cleaning (annual)
Septic system	Pest control treatment (annual)
Additional refrigerator	Floor cleaning (annual)
Standalone freezer

Liberty Home Guard Limits

Coverage caps on most covered items are $2,000, which is slightly lower than some companies for HVAC systems, but slightly higher than competitors for many appliances.

Plumbing and electrical systems, pool and spa equipment, and well and sump pumps are capped at $500.
Septic system pumping is capped at $200 for access, diagnosis and repair or replacement.
Coverage for R-410A refrigerant is limited to $10 per pound.

Repairs caused by human misuse or natural disasters are not covered by home warranties, but homeowners insurance may cover the damage. The company’s sample contract lists additional exclusions, such as routine maintenance, chimneys, solar systems, lighting, and smart devices, among others.

How to Buy a Home Warranty and File a Claim

Liberty Home Guard is currently available nationwide. Get a quote by completing its online form or calling the toll-free number. Home warranty plans are comprehensive, but there are some exclusions. Ask questions about the home warranties when you speak to the agent, and review the sample contract on the site, so you know the details before you buy.

Liberty Home Guard provides 24/7 customer service. You can file a claim through the online portal or by calling the company. Once you’ve submitted the request, Liberty Home Guard will notify a local technician who will work with you to schedule an appointment. The company claims that most customers can have a technician come to their home within 24 to 48 business hours.

Liberty Home Guard Home Warranty Costs

Liberty Home Guard’s prices are slightly higher than average. Our team requested a quote and received prices ranging from $54.99 per month to $69.99 per month. We could also choose an annual plan and get two months free. Annual costs fall between $699.99 and $799.99. Services fees vary depending on your plan, location, and add-ons. Read your service contract to determine your assigned service fee. You can add optional coverage for an additional $4 per month to $150 per month.

Liberty Home Guard Home Warranty Complaints

Though not accredited by the Better Business Bureau, LHG has an A rating and over 1,900 reviews. Customer reviews are overwhelmingly positive, and most complaints stem from confusion with their contract. LHG boasts a 4.5-star rating on Trustpilot. ConsumerAffairs also accredits the company, and readers praise the company for fast and professional service, clear and knowledgeable communication, and a smooth claims process.

Our Experience With Liberty Home Guard

Liberty Home Guard has great customer service. We used the live chat feature to discuss service fees and contract terms for a North Carolina single-family home, and they were extremely helpful. Like many home warranty companies, Liberty has sample contracts on its website, but the company stands out among others for the way they simplify per-item limitations by offering coverage caps of $2,000 for most items (with a few exceptions noted above and in the sample contract). Moving forward, we’d like to see Liberty be more transparent about service fees in their quote and online resources.

Liberty Home Guard Home Warranty Q&A

What sets Liberty Home Guard apart from other home warranty companies?
Liberty Home Guard treats customers exceptionally well and offers customized home warranty coverage, so you pay for what you need. The company is known for fast service when a covered appliance or system breaks down. You can reach a Liberty Home Guard agent any time via phone, email, online chat, mobile app or the customer portal on the website.
Do I need a home inspection to get a Liberty Home Guard home warranty?
No, Liberty Home Guard does not require a home inspection or maintenance records for you to qualify for a home warranty. The company will not deny coverage based on the age of your appliances or systems, either.
Can I change my Liberty Home Guard home warranty plan?
Yes, you can change your Liberty Home Guard plan within 30 days of purchase by calling customer service to switch to a different home warranty or add or remove options.
Can I cancel my Liberty Home Guard coverage if I’m not satisfied?
If you’re unhappy with your Liberty Home Guard home warranty, you may cancel within 30 days of purchase for a full refund, less a small administrative fee. You will get a prorated refund minus the administrative fee if you cancel after 30 days.
Does Liberty Home Guard provide coverage in the event of a natural disaster?
Home warranties are not homeowners insurance, and Liberty Home Guard’s coverage only applies to an appliance or system failure due to normal wear and tear, not as a result of a natural disaster or abuse. Your homeowner’s insurance policy should cover damage due to fire, weather and other hazards.

Conclusion

Liberty Home Guard offers coverage for uncommonly covered items like window washing, gutter cleaning, pest control, and more. The company responds to claims swiftly, and its customer service representatives are available via several methods, including phone, email, and live chat. These features, and many more, make Liberty Home Guard worth considering for a home warranty. For a personalized quote, call (888)205-9398.

4 Liberty Home Guard Reviews

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May 13 2022 1:56AM

TN: ** I am not a happy customer. The quality of customer service and follow-up is terrible. My warranty covers my air condition; however, they want me to make a payment of 5000 and Liberty Home Guard make a contribution of 1,102 dollars in order for the repairs to be fixed.

This is not a warranty, it is a gimmick! How convenient! Liberty claims to be number one in quality service, however their customer satisfaction in my experience is poor quality. Quality service is meeting and exceeding customer's expectations.

Liberty has not met my expectations or exceeded my expectations. In my view, they take advantage of the consumer. The service is terrible. I am a paying customer and have been a long-time customer and the one time I call I get the runaround and no assistance.

Liberty I hope you don't treat all your customers like this. IF you treat others with such poor service, I am going to do my best to address this issue so I would be the last faithful paying customer you abuse. Best regards, Tyrone **.

TYRONE B.

BRANDYWINE, MD

May 01 2022 10:51PM

This is the worst home warranty company, buyer beware! I wish I could give them ZERO STARS. Our double oven broke down in January and it cannot be repaired, they offered us $150! Shame on them, for a double oven that a replacement will cost $2,500.

After many calls they offered $300 even though their policy clearly stated that they will reimburse you up to $1,500. They want to take advantage of good hardworking people and that is not alright with me!

Gianina L.

Dallas, TX

July 01 2020 2:39AM

BEWARE. AVOID this Company in all cost!!! To be very short: I signed up with LHG on May 17 for 3 years contract. June 25 Thursday, my A/C stopped working. Took 24 hours and 20+ phone calls (not counting an answering service who is clueless and not helpful) to reach someone from LHG.

After I paid 65$ deductible upfront, I was assigned to some low tier HVAC Co. Called technician directly, he stated that cannot perform same day service and promised to show up next day. June 27 Saturday, called technician— no responses, texted — no responses (even though display indicated massages have been read). Called from different number — picked up, talking like don’t understand what is going on then abruptly hang up and never pick up again.

Called back LHG (again 20+ phone calls). Finally reached agent Kay, who said that she can’t assign technician and offered us to find one to “diagnose problem” BUT NOT to fix and wait until Monday to get manager’s approval. I asked “what if to fix A/C cost 300-400$”. She responded “still NO fix. Only to diagnose and wait until Monday”.

It is ridiculous To wait 5 days in the boiling house 90+ degree and 90+ humid outside until some manager decide wether approve repair or not. We called local HVAC - guy showed up in an hour fixed for 300$. That was it.

On Monday June 29 I sent official email as well as called LHG to cancel my policy and refund all my payments as this Company failed to fullfill their duties. Nobody even responded back to me. Conclusion: LHG only respond immediately when you sign contract with them. Rather save extra bucks for repair than waste money for scams.

Vitaliy G.

Hewlett, NY

December 26 2019 1:42PM

This company takes your money and then refuses to pay for any repairs in your home. It is a big sham on avenue u in Brooklyn. They will find any excuse not to pay the repair. My burner is broken with no heat for 5 days already. The pipes are going to freeze. Liberty home guard refuses to fix it. They only collect your money but refuse to pay repairman leaving you with a bunch of local repairman who won't come back to your house since they haven't been paid. Its a big sham. Stay away.

Diane E.

LEBANON, NJ