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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 ...
J
Jasmine H
8/3/2021
Got enrolled with the Liberty by the neighbor’s recommendation, and never regretted it. Indeed good service and peace of mind.

M
Mariam T  
Official Response

Head of Brand Management of Liberty Home Guard Home Warranties
Jasmine, thank you for the kind words and the high rating! Welcome to Liberty Home Guard!
M
Marcus D
7/30/2021
Professional and quick repair service. My pipe burst and the technician was here within a couple of hours. Appreciated! Will keep my plan with them.

M
Mariam T  
Official Response

Head of Brand Management of Liberty Home Guard Home Warranties
Marcus, thank you for the kind words and the high rating! Liberty Home Guard is always here to assist you.
M
Mark B
7/29/2021
Rapidly and professionally performed repairs each time I reach out. Happy with my total home guard coverage so far.

M
Mariam T  
Official Response

Head of Brand Management of Liberty Home Guard Home Warranties
Mark, thank you for the kind words and the high rating!
J
Jared R
7/27/2021
My ice-making machine stopped working, so I reached out to LHG. Had a contractor at my door within 24 hours, who took care of it in no time. A+ service and attitude.

M
Mariam T  
Official Response

Head of Brand Management of Liberty Home Guard Home Warranties
Jared, thank you for the kind words and the high rating! We are always here to assist.
M
Milton H
7/23/2021
Liberty Home Guard exceeds my expectations. They really have a high standard when it comes to customer service.

M
Mariam T  
Official Response

Head of Brand Management of Liberty Home Guard Home Warranties
Milton, thank you for the kind words and the high rating!
G
Guillermo M
7/8/2021
The repairman who came to fix my problem was very courteous and knowledgeable, he arrived on time, and made my dishwasher work like new. Thanks, Liberty, you are doing a great job out there.

M
Mariam T  
Official Response

Head of Brand Management of Liberty Home Guard Home Warranties
Guillermo, thank you for the kind words and the high rating! We are always here to assist you.
E
Ethan B
7/5/2021
The swimming pool pump turned out to be malfunctioning. I placed the claim through Liberty Home Guard’s online portal and the pool technician was at my two days later. He came prepared and because he had all the parts and tools he needed, was able to fix the issue on that visit. Thank you Mike! And thank you Liberty Home Guard!

M
Mariam T  
Official Response

Head of Brand Management of Liberty Home Guard Home Warranties
Ethan, thank you for the kind words and the high rating!
T
Taylor P
7/2/2021
The overall service and response have been excellent, the technician was professional and attentive. I would recommend it. So far stellar service, thanks.

M
Mariam T  
Official Response

Head of Brand Management of Liberty Home Guard Home Warranties
Taylor, thank you for the kind words and the high rating! We are always here to assist you.
S
Sandra M
7/1/2021
I have used Liberty Home Guard a few times and I’ve always been pleased. The last appointment was great, thank you for your reactiveness.

M
Mariam T  
Official Response

Head of Brand Management of Liberty Home Guard Home Warranties
Sandra, thank you for the kind words and the high rating!
Tsai T
6/30/2021
Never buy Liberty Home Guard for your warranty. They play tricks on customer. Our AC unit is down reecently and we file a claim but they decline to fix or replace cause the technicain can't find the part. All they are offering is $250 asking us to deal by ourselves. What we are asking is to get the AC unit functioning especially now it's summer time. They ignore our request and we have made many phone calls to communicate but all what we get is they can't do anything to resolve but the $250 for a part not exsiting now even they know we can't do anything about the AC with the $250. We have been their customer for the 2nd year and this is how they treat their customer and have no capability... Read More

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