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Liberty Home Guard: Home Warranties Review


ConsumersAdvocate.org Rating: 4.8 / 5 (Excellent)
252 Customer Comments & Reviews - see all comments
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Liberty Home Guard is a New York City-based direct seller, offering home insurance quotes sponsored by Progressive. LHG offers inexpensive policies that are systems-focused, appliance-focused, or all inclusive and works with a network of independent, licensed contractors in 48 US states including Washington D.C. Liberty Home Guard is the BBB's only A+ accredited home warranty company, and its board boasts over 100 years of combined experience in the home services business.

 
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How is Liberty Home Guard rated?

Breakdown

5.0/5
Transparency
5.0/5
Claims Processing
4.5/5
Coverage Options
4.5/5
Additional Benefits
5.0/5
Customer Experience

Overall Rating: 4.8 / 5 (Excellent)

Liberty Home Guard offers coverage that is wide-ranging and reasonably priced. The flexibility of its policies' terms, its network of certified experts and service providers, and consumers' access to claims filing 24/7 further improve the company's marks with us.

Liberty Home Guard's strong coverage, prices, and services make a good argument for retaining the company as an extended service contract provider. Overall, we can recommend the company for any consumer seeking affordable home warranty alternatives.

Liberty Home Guard has higher allowance amounts than the average home warranty company and sources their replacement units at a wholesale rate. They also provide customers with an exceptional repair or replace program, in which the company agrees to pay for the replacement of an appliance or system that is deemed irreparable by the contractor. What's more, it is Liberty's policy to always provide customers with the option to have an item replaced, even if it is repairable. LHG partners with many firms such as restoration firms, rekey services, pest control services, and carpet and floor cleaning companies.

LHG recently launched a customer portal on their website to allow customers to conveniently manage their home warranty accounts from anywhere at any time.

Currently, Liberty offers services in 46 states, including Washington, D.C. Customers only need to input their zip code into Liberty's website, and it will automatically tell them if they are living in a covered area.

Coverage

Key Facts

Plan Types
Systems
Appliances
Combo Plan
Benefit Limit Type
Per Item
Term Benefit Limit
$0
Typical Appliance Benefit Limit
$2,000

Coverage Options - 4.5 / 5

LHG offers customers three primary types of coverage plans: Appliance Guard, Systems Guard, and Total Home Guard. They will also provide completely customizable coverage upon request. With an in-house underwriting team, the company can add or subtract coverage items to tailor the policy to cover their customers’ specific wants and needs. For example, if you don’t have a microwave in the home, or you have two refrigerators, they can make all the necessary changes to get you the coverage you require.

Add-ons include items such as pools and spas, sump pumps, central vacuums, well pumps, septic system pumping, stand-alone freezers, re-keying services, gutter cleaning services, and secondary refrigerators.

Some items may have different cost caps for repairs done to them or for full replacements. Overall, Liberty Home Guard's plans are solid, covering a wide variety of home systems and appliances.

What does Liberty Home Guard cover?

Covered Built-In Systems

  • Air Conditioning
  • Heating
  • Electrical
  • Plumbing
  • Water Heater
  • Instant Hot/Cold Water Dispenser
  • Central Vacuums
  • Ceiling Fans
  • Ductwork

Covered Appliances

  • Refrigerators
  • Dishwashers
  • Clothes Dryers
  • Clothes Washers
  • Ranges/Ovens/Cooktops
  • Built-in Microwaves
  • Freestanding Ice Makers
  • Built-In Trash Compactors
  • Garage Door Openers
  • Garbage Disposal
  • Stand Alone Freezer
  • Central Vacuum
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2 More

Exclusions

For a full list of Liberty Home Guard exclusions, check out this page.

Specialty Items

  • Pool/Spa
  • Well Pump
  • Septic

Contract & Price

Contract Details

Minimum Contract Length
1 month(s)
Home Inspection Required for Contract?
No
Online Quote/Application

Contract & Price - 4.5 / 5

Liberty Home Guard sells month-to-month, annual, and multi-year home warranty policies. Plans start at less than $1 per day—and depending on the current promotion, costs can be even lower. Liberty Home Guard’s service call fees range anywhere from $60 to $125, depending on the type of plan. The company offers discounts for its multi-year policies, providing the greatest value to consumers. Consumers interested in getting a sample quote or applying for a policy can do so on the company's website. Liberty Home Guard does not require consumers to have a home inspection in order to finalize contracts.

Contracts canceled within the first 30-days of the policy are eligible for a full refund. Should a consumer require optional add-ons, LHG will send the consumer a customized contract that includes optional add-on language, and the consumer has 30 days to review that language at no cost as well. In other words, all customers are entitled to a full money-back guarantee during that 30-day period.

Sample Contract

Liberty Home Guard provides a sample contract for potential customers on its website: Liberty Home Guard Sample Contract

Cancellation Policy

Liberty Home Guard customers may cancel their warranty policy at any time.

If canceled between day 31 and day 60 of the policy, the company will refund the full Agreement Cost, minus a $50 cancellation fee and the cost of any claims paid.

If canceled after the first 30 days from the effective date of the policy, the company will refund a prorated refund of the Agreement Cost based on the number of months remaining on the term of the agreement, minus the same cancellation fee of $50 and the cost of any claims paid.

Claims & Service

Claims

Service Fee
$60 through $125
Maintenance Records Required for Service?
No
24/7 Claims Department?
Waiting Period
30 days

Contractors & Service

Contractor Selection
In-Network Only
Any Contractor
Contractor Network Size
Undisclosed
Number of Technicians
Undisclosed
Service Recall Period
60 days

Claims Processing - 5 / 5

Customers must wait 30 days after enrolling before submitting support claims. However, Liberty Home Guard will project management any issue for its customers, even on day one of enrollment. Project management entitles users to Liberty Home Guard's wholesale discounts on parts, appliances, and labor, and it enables users to have Liberty source their in-network technicians to perform repairs. Also, if a customer has an existing policy with coverage expiring in less than 30 days from the purchase date, Liberty Home Guard will expedite the start date of coverage to overlap with prior coverage.

All service provided by said contractors has a 60-day workmanship guarantee. If the same malfunction happens within that timeframe, customers can file a claim in order to repair or replace the damaged item.

Claims may be filed 24 hours a day, 7 days a week.

Liberty Home Guard Reputation

Company Details

Year Founded
2018
NHSCA Membership
Number of Customers
Undisclosed
Number of Employees
Undisclosed
TrustPilot Rating
4.3 out of 5
BBB Rating
A+
Date Collected
2021-01-17

Reputation - 4.5 / 5

Liberty Home Guard stands out for being the BBB's only A+ accredited home warranty company, which speaks volumes about their customer satisfaction and overall company reputation.

Although Liberty Home Guard is not an NHSCA member, the company is currently in the process of acquiring its membership with the association. The company is fully licensed, and pays service providers for same-day diagnoses, ensuring customers receive the fastest response times and high levels of service.

The company earns 4.3 out of 5 stars on Trustpilot, which is pretty impressive. Home warranty companies don't often fare that well on consumer review sites.

Liberty Home Guard recently debuted a new survey model which sources and analyzes feedback related to customers’ experiences with the company since they first sign up. The new model also asks for feedback from its’ network of independent technicians, to fully analyze the service process from all sides. This shows the company's continued focus on customer satisfaction.

Read more about home warranty companies at our Top 10 Page.

Contact & Additional Information

Homepage URL
https://www.libertyhomeguard.com
Company Phone
(833) 544-8273
Headquarters Address
New York City, NY, 11234
Year Founded
2018

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252 Customer Comments & Reviews

Loading Reviews ...
G
Gregory F
7/28/2022
Great company. The guy they sent was very knowledgeable and knew straight away what was wrong with our dishwasher. He seemed to know the inner workings of the appliance extremely well. The claim process was hassle free.

S
Steven S
7/26/2022
I submitted my second claim with LHG yesterday and the experience was phenomenal. The technician came to my home today, with a full replacement for my dryer and had it installed. They delivered on their promise of a 48 hour turnaround on claims. I was definitely skeptical but the proof is there.

J
Jennifer B
7/25/2022
Jake got a contractor assigned during our call with him to create the claim. It was such an easy experience, and we sincerely appreciate his efforts in making this possible. Our dishwasher ended up being fully replaced and Liberty’s plan covered it all.

M
Mary R
7/23/2022
I am so thankful to Liberty Home Guard for standing by their customers and committments. I have been burnt by 4 home warranty companies in the past. My realtor ended up gifting me this one from Liberty and I am thankful he did. They are just such a cut above, I feel as though calling them a home warranty company just doesn’t do them justice. I call them for everything. We wanted an outdoor speaker system installed, I called Liberty and they project managed it for us. I don’t use services like Home Advisor or Angie’s List anymore. I just call the team at Liberty who gets it done for me exactly as I would like.

L
LucĂ­a M
7/22/2022
Liberty Home Guard got our air conditioning system back on track just one day after we made our claim on their portal. The contractor was in and our in less than an hour. Separate thank you to Evan for arranging his visit in such a timely manner!

S
Steven
7/21/2022
When I got my house, I knew I wanted to protect it so I did look into this company but I decided to go with a more local company for more local service. I got my <a href="https://www.mesahomewarrantypros.com/">home warranty plan</a> with Mesa Home Warranty. They have been great. My AC broke down in last July when it was 110 degrees. They got it fixed so fast! I love it! I would still highly recommend this company. There we very nice and willing to help so quickly.

R
Rob B
7/20/2022
Even though we did not really know what exactly the problem was to begin with the plumber arrived fully prepared with all the necessary parts and tools. He did an hour of investigating and found out why water was not running to our dishwasher. Thank you so much for all the help Liberty.

J
Jeff L
6/29/2022
Both the customer service representative (Jasmine assisted us this time) and the service technician were exceptional! We do recommend Liberty Home Guard now to friends and family, and will probably continue doing so as long as they keep coming through..

theamazinggamers
6/23/2022
I have used almost every single home warranty company in the USA, and this is the WORST. They have arbitrary caps on service calls, do not cover labor costs, and their contract cancellation guarantee is a total scam. I have never been this upset over a company in my life. Total absolute scam, horrible company. I cannot write strong enough words against this rip off.

R
Richard L
6/22/2022
I wanted to give a shout out to Derek who was very helpful not only in getting my claim filled, but getting it expedited. I know he personally appealed to his supervisors Lorraine and Julia to get the claim in a higher priority and three days later a plumber was at my house and he fixed my dishwasher.

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