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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 ...
L
Lily R
11/13/2020
Immediate responses to service requests. Customer service representatives are real pros: attentive, caring, and friendly. Keep up the great work! Great job and thank you, LHG.

M
Mariam T  
Official Response

Head of Brand Management of Liberty Home Guard Home Warranties
Lily, thank you for the kind words and the high rating! We are pleased to hear that we are able to properly assist you.
C
Colin D
11/10/2020
I have used my home warranty for the past 2 years, and this company has never disappointed me with their levels of service. They deliver exactly what they promise. The customer service is exceptionally responsive.

M
Mariam T  
Official Response

Head of Brand Management of Liberty Home Guard Home Warranties
Colin, thank you for the kind words and the high rating. We are always here to assist!
D
Devin D
11/5/2020
Due to my son's special needs, maintaining temperature in the home is critical. I called when the A/C went out, and the Liberty Home Guard reps recognized it as an emergency and had a repairman at my house the same day.I am very happy with this experience.

M
Mariam T  
Official Response

Head of Brand Management of Liberty Home Guard Home Warranties
Devin, thank you for the kind words and the high rating! We are pleased to hear that we were able to properly assist you.
D
DD
11/3/2020
My gas furnace broke would not start. Liberty sends out a tech to check after I pay $60. The tech gives the reason that a motor is broken. Liberty denies the claim citing the reason that some electrical surge caused it to break. By Jesus, what a lie! I got the report which the tech provided to Liberty and nowhere it says that electric surge caused it to breakdown. Nowadays, every gadget runs on some sort of electricity and thanks to Liberty who smartly included the "electricity surge" related cause to deny coverage. This company is a scam and should be banned. I've given them 24 hours to reconsider their denial - if I don't hear, there will reviews like this in every forum, BBB and will... Read More

T
Thomas G
11/2/2020
Fast, professional, caring is how I’d describe the team at LHG. Fantastic service. Thank you, Liberty Home Guard!

M
Mariam T  
Official Response

Head of Brand Management of Liberty Home Guard Home Warranties
Thomas, thank you for the kind words and the high rating. We are always here to help!
B
Bridget H
10/30/2020
Awesome and quick response time to repair our outside garden faucet. The team were professionals who performed a prompt and efficient replacement. They cleaned up the mess well before leaving.

M
Mariam T  
Official Response

Head of Brand Management of Liberty Home Guard Home Warranties
Bridget, thank you for the kind words and the high rating. We are always here to assist you!
R
Rita O
10/28/2020
I was referred to Liberty Home Guard by a friend because my previous home warranty company was terrible. This company has exceeded my expectations. I have had two service calls placed, and both were handled professionally and fast.

M
Mariam T  
Official Response

Head of Brand Management of Liberty Home Guard Home Warranties
Rita, thank you for the kind words and the high rating! Thank you for choosing Liberty Home Guard!
L
Larry S
10/27/2020
Thank you, Alison (Liberty Home Guard representative). I always appreciate your fast and attentive service! You are a real asset to your company! My dishwasher was fixed in no time!

M
Mariam T  
Official Response

Head of Brand Management of Liberty Home Guard Home Warranties
Larry, thank you for the kind words and the high rating! Alison will be pleased to hear that he was able to properly assist you.
R
Rachel W
10/22/2020
My experience with our adjustor Max was great - he was very informative and to the point. He assisted me with a microwave claim, the issue was resolved seamlessly.

M
Mariam T  
Official Response

Head of Brand Management of Liberty Home Guard Home Warranties
Rachel, thank you for the kind words and the high rating! Max will be pleased to hear that he was able to properly assist you.
J
JOANNE C
10/17/2020
DO NOT USE THIS COMPANY! SAVE YOUR MONEY! I PURCHASED A POLICY IN NOVEMBER 2019 WHEN I PURCHASED MY HOME! BIGGEST MISTAKE I EVER MADE! THIS COMPANY HAS MORE EXCUSES THEN LINES IN THEIR POLICY!!! FIRST OF ALL, WHEN MY AIR CONDITIONER WASN'T WORKIN PROPERLY IN JULY OF 2020, I CALLED THEM. AFTER I PAID THEM TO SEND SOMEONE TO OUR HOME, THE SERVICE REP TOLD US THE ATTIC FAN WASN'T WORKING TO CAUSE THE A.C. UNIT NOT TO WORK PROPERLY. I CALLED 4 OTHER COMPANIES FOR A SECOND OPINION. THEY ALL HAD THE SAME ANSWER THAT THE A.C. WAS LOW ON FREON, AND THE UNIT WASN'T WORKING PROPERLY. WHEN I CALLED LIBERTY, THEIR ANSWER WAS WE CAN'T COVER THE UNIT, BECAUSE IT'S STILL RUNNING AND WE DON'T ADD FREON.... Read More

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