In this Liberty Home Warranty review, we cover in detail the company’s coverage, cost, customer service, policy features, single-access web portal, etc., and other vital details needed to decide if the company is suitable for your needs.
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Liberty Home Guard operates in most parts of the country and claims to provide services at those places at less than $1/day. Additionally, their coverage options, a rating of ‘A’ from BBB, and a network of experienced technicians make them worth considering for home warranty buyers.
The average costs of their plans are as follows:
|
Liberty Home Guard Plans |
Monthly Cost |
Annual Cost |
|
Appliance Guard |
$35.00 |
$374.99 |
|
Systems Guard |
$44.99 |
$424.99 |
|
Total Home Guard |
$50.00 |
$474.99 |
Note that if you include any additional coverage, the cost may vary. The pricing for optional coverage ranges between $4.20–$17.00 monthly and $44 – $195.00 annually.
When a contractor visits to repair or replace a covered item, Liberty Home Guard charges a $90 “per claim fee” or deductible.
The total cost of your home warranty will depend on the chosen plan, your area of residence, and the added optional coverage.
If you sign up for a Liberty Home Guard contract, you can avail of $200 off with two free bonus months and free roof leak protection.
There are three Liberty Home Guard coverage plans and various optional items for homeowners looking to reduce repair or replacement costs. These plans are:
For better understanding, look at the coverage table given below.
|
ITEMS |
SYSTEMS GUARD |
APPLIANCE GUARD |
TOTAL HOME GUARD |
|
Air-Conditioning |
✔ |
✔ |
|
|
Heating |
✔ |
✔ |
|
|
Ductwork |
✔ |
✔ |
|
|
Plumbing |
✔ |
✔ |
|
|
Electrical |
✔ |
✔ |
|
|
Water Heater |
✔ |
✔ |
|
|
Clothes Washer |
✔ |
✔ |
|
|
Clothes Dryer |
✔ |
✔ |
|
|
Kitchen |
✔ |
✔ |
|
|
Refrigerator |
✔ |
✔ |
|
|
Built-in Microwave Oven |
✔ |
✔ |
|
|
Dishwasher |
✔ |
✔ |
|
|
Range/Oven/ Cooktop |
✔ |
✔ |
|
|
Garbage Disposal |
✔ |
✔ |
|
|
Ceiling and Exhaust Fans |
✔ |
✔ |
|
|
Garage Door Opener |
✔ |
✔ |
If you require coverage for items not listed above, Liberty Home Guard offers protection for 10 add-on items:
The diagnosis, repair, or replacement cost of all covered Items is limited to $2,000 per item during the contract term of 365 days. However, the coverage limit for plumbing, electrical, and optional items is $250 for the first 90 days. After that, limits increase to $500. Additionally, the R-410A refrigerant coverage is restricted to $10 per pound of refrigerant.
Apart from the coverage limits, your agreement has some exclusions as well. LHG is not responsible for:
Note: There may be other limitations to your agreement. We recommend you read the fine print thoroughly before signing the contract.
The company provides 24-hour customer support and has a network of 10,000+ professional technicians dedicated to repairing broken devices as soon as possible. Some customers have reported that they were delighted with LHG as the company was able to send a technician to their house within two hours to conduct emergency services.
However, some customers have shown dissatisfaction since their claims were denied. We have seen reports that the company has asked for a higher service fee than what was initially agreed.
When requesting a service from Liberty Home Guard, keep the following in mind:
|
Company
|
Premium (Monthly)
|
Deductible
|
Coverage Cap
|
State Availability
|
BBB Rating
|
|---|---|---|---|---|---|
| Liberty Home Guard | $55-$60 | $60 | $2,000/item | 47 | A |
| American Home Shield | $39-$60 | $75-$150 | $6K-Unlimited | 49 | B |
| Choice Home Warranty | $40-$65 | $85 | Up to $3K/item | 49 | B |
| America’s Preferred Home Warranty | $35-$50 | $50-$125 | $25K/ contract term | 20 | A+ |
| Select Home Warranty | $45-$50 | $60-$100 | $2,000 | 46 | B |
Can't find anything as per your requirements? Check out other top home warranty providers.
Waiting Period
-30-days
Dollar Limit For Access
-$200
Free Cancellation
-No
Contract Transfer Fee
-Yes
Cancellation Fee
-Yes
Customer Service
-24/7
Automatic Renewal
-Yes
State Availability - All except Washington, Wisconsin and Wyoming
To help you get better insights into Liberty Home Guard's services, we have compiled a review and rating chart. Have a look at what people across the web think about their services.
| Review Platform | No. of Reviews | Rating |
| 2,234 | ||
| BBB | 1,328 | |
| Trustpilot | 301 | |
| Site Jabber | 42 |
According to the customer reviews on the websites mentioned above, most clients are happy with their purchases. Many customers have been pleased with Liberty Home Guard's customer support, but there were complaints about the claim settlement procedure.
Therefore, we advise you to read your sample contract carefully before purchasing the plans.
We at Consumera are committed to help you better with your home warranty purchase so we examine, compare, and analyze the companies’ offerings and performance. We evaluate providers based on the following factors:
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LHG has a positive consumer reputation, a good BBB rating, and a long record of positive reviews. All together makes LHG a practical option to choose.
We would choose AHS over LHG because of their coverage caps and extensive experience. The two providers are comparable in terms of premiums, but AHS’s plan coverage for vital equipment is superior.
Liberty Home Guard has an ongoing offer to provide free roof leak coverage. However, they usually cover roof leaks as an additional service.
It depends on the term you choose. If you opt for a year, it will last for 365 days, and after that, you will be required to renew it to continue to avail the services. However, the company also offers services for more extended periods– 13 or 14 months.
The company may authorize you to select an independent contractor and will reimburse you for the amount. However, LHG will not be responsible for paying for any repair/replacement service done without their consent.
No, LHG is not associated with Liberty Mutual in any which way. Liberty Home Guard is a New York-based home warranty company.
A home warranty covers the repair and replacement costs of the systems and appliances that break down due to normal wear and tear.
On the contrary, home insurance provides coverage for structural damage due to natural calamities.
You can cancel your contract at any time. To do so, you can contact them at the given phone number. If you cancel your contract within the first 30 days, LHG will refund you the total amount minus cancellation fees of $50.
If you cancel after 30 days, you will get a prorated refund, minus a cancellation fee of $50 and the cost of any claims made.
As per their contract terms, they will not cover any pre-existing conditions. The company covers only the pre-installed items that were in good working condition before the contract.
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