Liberty Home Guard Review

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.

This detailed review should help to:

  • Determine the best coverage option for your needs
  • Identify the standard of service provided by LHG
  • Go beyond reducing home maintenance and repair costs

prosPERKS :

  • 43 optional items available for purchase
  • Workmanship guarantee of 60-days
  • Option to chat with a live agent


  • Not available in Washington, Wyoming, and Wisconsin
  • Comparatively new in the market

Disclosure: We may receive a commission for quotes accepted by the customers, but this has no bearing on the legitimacy of our review process.

Our Opinion

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.

Liberty Home Guard Cost

The average costs of their plans are as follows:

Liberty Home Guard Plans

Monthly Cost

Annual Cost

Appliance Guard



Systems Guard



Total Home Guard



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.

Want prices customized as per your needs? - Easy! Get your Free Quote. 


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.

Liberty Home Guard Plans & Coverage 

There are three Liberty Home Guard coverage plans and various optional items for homeowners looking to reduce repair or replacement costs. These plans are:

  • Appliance Guard: Covers ten major home appliances such as a washer, dryer, built-in microwave oven, dishwasher, etc.
  • Systems Guard: Includes six of your critical home systems like AC, heating system, plumbing, etc.
  • Total Home Guard: Combines the coverage from both Systems and Appliance Plans to offer protection for 15 items.

For better understanding, look at the coverage table given below.















Water Heater


Clothes Washer


Clothes Dryer






Built-in Microwave Oven







Garbage Disposal


Ceiling and Exhaust Fans


Garage Door Opener 


Discover exactly what’s covered in your home warranty. Get a Free Quote Today!

Add – Ons

If you require coverage for items not listed above, Liberty Home Guard offers protection for 10 add-on items:

  • Pool and/or Spa Equipment
  • Septic System Pumping
  • Well Pump
  • Sump Pump
  • Central Vacuum
  • Stand Alone Freezer
  • Second Refrigerator
  • Limited Roof Leak
  • Water Softener
  • Re-Key
  • Additional Spa
  • Lighting Fixtures
  • Gutter Cleaning
  • Pest Control
  • Carpet Cleaning
  • Trash Compactor
  • Lawn Sprinkler System
  • Electronics Protection
  • Swamp Cooler
  • Ejector Pump
  • Ice Maker (In-Fridge)
  • Freestanding Ice Maker
  • Wine Cooler/Fridge
  • Salt Water Pool
  • Generator
  • Plumbing Fixtures
  • Grinder Pump
  • Water Dispenser Water Line
  • Instant Hot Water Dispenser
  • Reverse Osmosis Water Filter System
  • Pro-Series Refrigerator Coverage
  • Pro-Series Range/Oven/CookTop Coverage
  • Pro-Series Dishwasher Coverage
  • Pro-Series Microwave
  • Pro-Series Washing Machine
  • Pro-Series Clothes Dryer
  • Window Washing/Cleaning
  • Casita Guest Unit

Liberty Home Guard Coverage Limits

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.

Plan Exclusions

Apart from the coverage limits, your agreement has some exclusions as well. LHG is not responsible for:

  • Electronic, computerized, or internet-based parts
  • Remote receiving or transmitting devices
  • Vents, chimneys, and exhaust lines included with any covered Item
  • Cosmetic defects and installation
  • Costs associated with refrigerant
  • Glass parts and components
  • Costs of construction and carpentry
  • Accidents, fire, floods, subsidence, water damage, and electrical failure
  • Defective manufacturing, construction, or production

Note: There may be other limitations to your agreement. We recommend you read the fine print thoroughly before signing the contract.

Quality of LHG Customer Service

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.

Liberty Home Guard Claim Filing Process 

When requesting a service from Liberty Home Guard, keep the following in mind:

  • You can file a claim 24 hours a day and seven days a week by logging into your account on LHG’s website or calling at (833) 544-8273.
  • Under normal circumstances, a technician will arrive within 48 hours of receiving your service request.
  • LHG has the right to schedule its service technician for repairs and replacements.
  • Liberty Home Guard will not provide services until all due “per claim fees” or deductible and premiums are paid.
  • If a repair or replacement fails within 60 days, LHG will send a service technician to fix it. You will not be charged for further services on that covered system or appliance.

Liberty Home Guard Comparison

Premium (Monthly)
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

Key Details

Waiting Period


Dollar Limit For Access


Free Cancellation


Contract Transfer Fee


Cancellation Fee


Customer Service


Automatic Renewal


State Availability - All except Washington, Wisconsin and Wyoming

Company Details

Registered Company Name
Liberty Home Guard LLC
Company Type
Benjamin Joseph, Co-Founder
Established In
Years In Business
4 years
Corporate Office/Headquarters
4101 Avenue U, Brooklyn, NY

Liberty Home Guard: Consumer Ratings

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
Google 2,234
4.5 / 5
BBB 1,328
4.6 / 5
Trustpilot 301
4.4 / 5
Site Jabber 42
4.1 / 5

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:

  • Cost: We examine the cost of home warranties and the services offered by the home warranty companies. The pricing includes monthly/annual premiums, deductibles, and any discount provided to the customers. We compare it to the industry average to check whether the plans are cost-effective. 
  • Coverage: We compare the plans offered by different home warranty providers. This includes systems, appliances, and additional coverage that the company provides.
  • Claims: We examine the customer reviews and their satisfaction with the claims filing process, settlement, and time to complete the process. 
  • Transparency And Credibility: We check if the company is registered within a suitable industry and provide details of CEOs, contractors, and several settled claims. 
  • Uniqueness: We look out if the company provides extra services, benefits, or coverage options that make them stand out from others in the industry. 

Frequently Asked Questions (FAQs)

Is Liberty Home Guard A Reputable Company?

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.

Liberty Home Guard Vs. American Home Shield: Which Is Better?

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.

Does Liberty Home Warranty Cover Roof Leaks?

Liberty Home Guard has an ongoing offer to provide free roof leak coverage. However, they usually cover roof leaks as an additional service.

How Long Does My Liberty Home Guard Contract Last?

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.

Can I Use My Contractor For Repairs?

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.

Is Liberty Home Guard Part Of Liberty Mutual?

No, LHG is not associated with Liberty Mutual in any which way. Liberty Home Guard is a New York-based home warranty company.

What Is The Difference Between A Home Warranty And Home Insurance?

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.

How To Cancel The Liberty Home Guard Policy?

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.

Does Liberty Home Guard Cover Pre-Existing Conditions?

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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