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