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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.

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
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 ...
sourya.biswas
6/11/2024
UPDATE: Tried to buy my opinion by offering an “elevated” refund if I signed a release that would prevent me from writing the truth about my experiences. I didn’t agree. Would give a negative rating if the system allowed it. Totally dissatisfied with the “service” by Liberty Home Guard (LHG). They’re very good at hard sell, trying to convince you how they’re better than the competition. They even have an excuse why they’re not accredited with the Better Business Bureau, saying their ownership has changed and systems have been updated, and they’re now a much-improved company. I should’ve detected the BS right there, but the salesperson Alan S was a smooth talker. Do read their BBB... Read More


humanneutrino
6/4/2024
Used an unlicensed HVAC tech to perform partial installation, then paid tech for non completed work, then asked me to pay an additional $1700 to finalize an installation that was never finished, but was paid for. Paid $6289 in February, it's now June 4 and Liberty has taken zero action to correct this. Caveat emptor folks. Liberty will absolutely not take responsibility for their mistakes. They paid a vendor for work that was never marked complete, then expect me to pay the same installation fee again to fix the installation performed by a liberty provided tech who didn't have an HVAC license in my state per the HVAC board. By all means contact me I'll be more than happy to share the... Read More


ilan
4/19/2024
Expect your urgent emergency claims to be treated with the lowest priority and your calls/emails to be ignored. Don't believe the sales reps when they assure you prompt assignments with in 24-48 hours we have never had a claim resolved in less than 14 days, in some cases they take over a month to get someone assigned. During that time you'll be repeatedly told someone will get back to you same day, they never will.


tebanez456
11/13/2023
Another great year using Liberty Home Guard’s service. Thank you to George for helping me get set up with my fifth renewal! They did an outstanding job with our HVAC claim this year.


ellenbutle86
11/10/2023
Best service. Their reps are all easy to understand with strong communication skills. The total home guard plan I purchased with them has saved me thousands. I’ve never had a claim they didn’t save me time and money on.


5valorie.moulder
10/30/2023
Liberty gets an A+ in my book. Their contractors are absolutely fantastic! Matthew sent me a guy to repair my furnace. He was truly a professional who knows his stuff! Was friendly, punctual and knowledgeable and was proactive giving me tips how to keep my furnace running for longer. All in, he spent about 3 hours fixing the issue when he was at my house, on-site.


Michael M
10/26/2023
I filed a claim for my hot water heater on October 7th. This company takes between 1-3 business days to make EVERY single decision. EACH STEP. I was assigned a technician the 9th. I was unable to reach the assigned tech. I was assigned a new tech, but he was a plumber and said I needed an electrician. I was charged a second fee of $80 to start a whole new claim (even though I clearly stated that I didn't have ANY idea what the issue was). The new tech was scheduled to show but never came. A guy showed up to diagnosis the problems and I'm STILL waiting for any resolution. I have paid $160 and waited 3 weeks. It is now October 26th. This company is horrible. Use UHP instead. Wish I had...... Read More


dominiquedowman28
10/26/2023
Our broker strongly recommended us getting started with Liberty, and it was a very smart and well thought our recommendation. We’ve had 2 claims for the past 9 months, one where we lost power and another with a leaking pipe. Naomi from customer service was great in both instances. We got the help quickly and the techs were superb both times - punctual, experienced, and respectful. Very good service both times, never regretted enrolling with them.


janetwells199167
10/25/2023
This company is the best. We’ve saved thousands of dollars in the first year of using them. 100% a worthwhile investment. It may take longer than if you handle things yourself, even though that was almost never the case for us but they come through, especially financially. Our Air Conditioner was replaced by them, and while it took 16 days to get done, they saved us $6,500 off of retail. Point is, it was well worth the wait. They’ve been extremely accommodating to us and we are grateful


charliemansi562
10/20/2023
Your team was professional, responded to our requests in a timely fashion and most importantly, fixed our pool during the last days of summer. I am still somewhat cautious due to malpractice by another home warranty provider but Liberty has certainly gotten off to the right foot with me. We’ve saved 75% of what we’ve spent on the policy so far just on this pool claim alone. It seems to be worth the money.



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