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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 ...
M
Molly R
10/10/2020
Prompt response, the technician arrived on time, quickly identified and rectified the plumbing issue. Excellent customer service

M
Mariam T  
Official Response

Head of Brand Management of Liberty Home Guard Home Warranties
Molly, thank you for the high rating! It was a pleasure to take care of your plumbing repair.
J
John B
10/8/2020
Hats off to Eddie. He is certainly an asset and capable. I asked many questions about getting a home warranty and about which plan to choose. Eddie was very kind, understanding, extremely patient, and very knowledgeable of his job. Thank you Eddie!

M
Mariam T  
Official Response

Head of Brand Management of Liberty Home Guard Home Warranties
John, thank you for the kind words and the high rating. Eddie will be pleased to hear that he was able to properly assist you. We are delighted to have you as a customer and look forward to taking care of your home system and appliance needs.
G
Gervase H
10/6/2020
I signed up for their Total Home Guard plan back in February. Since then, they have fixed 3 of my appliances. All technicians they sent out to me were professional and prompt.

M
Mariam T  
Official Response

Head of Brand Management of Liberty Home Guard Home Warranties
Gervase, thank you for taking the time to leave your feedback. We are pleased to hear that you are happy with our services.
eb1404964
9/30/2020
We have used our warranty 4 times this year. Each time they've been extremely responsive and provided us with technicians that quickly resolved our problems. The staff is friendly, professional and courteous. Just 2 weeks ago, we had an issue with our A/C, and they got someone on it right away. This is how they have always been every time we've needed them. Jonathan has been our account manager for all of these claims, Jonathan - keep doing what you’re doing.

Mariam T  
Official Response

Head of Brand Management of Liberty Home Guard Home Warranties
Thank you for taking the time to leave this wonderful review and the high rating! Jonathan will be pleased to hear that he was able to properly assist you.
stnellington
9/22/2020
I was having trouble with the dryer. The contractors came out and fixed it the next day. They were polite, tidy and friendly. The dryer's been going good so far. Customer service is also great.

Mariam T  
Official Response

Head of Brand Management of Liberty Home Guard Home Warranties
Thank you for taking the time to leave this wonderful review and the high rating! We are glad that you are satisfied with our services.
B
Beth
9/14/2020
This company must have people writing reviews and paying them to do so. This company is a scam just like all of the insurance companies. They sell you the insurance and take your money with no problem. When it comes to paying the claims they come up with every excuse not to pay the claim and they treat you like all of your home problems are your fault. I cant help that my 21 year old air conditioner went out. What did I do to cause that. But no it is not covered because we don't think you took care of it. If you are spending your money with this company do not. All you are doing is giving them money to put in their pocket. Insurance for your home is a SCAM. Don't fall into the... Read More

R
Robert S
9/4/2020
Freddy was very patient and worked diligently to complete the repairs and restore our A/C. We are very grateful to him as well as Liberty for their help in getting this resolved.

M
Mariam T  
Official Response

Head of Brand Management of Liberty Home Guard Home Warranties
Robert, thank you for the kind words and the high rating! Freddy will be glad to hear that he was able to properly assist you.
jodels1225
9/1/2020
We have used our LHG warranty. Our first call was related to an electric issue. Quick and easy. Our second call was about our central air. Long story short they attempted to bully me into replacing the unit and then told me since I wouldn’t replace it, it would no longer be covered under my service contract as they deemed it “functioning but not up to par” or something like that. Many arguments later I was told that they would continue to cover the unit. My last call was for my cesspool. I purchased the additional coverage when I bought the warranty and was told I would get one pump a year. Lol. So they don’t actually cover cesspools, it’s septic systems. And they covered less than half... Read More

G
Gillian A
9/1/2020
Very friendly and helpful agents. Always giving you the attention and time, hold times can sometimes be long but I use the callback and when someone is able their system calls you back automatically.

M
Mariam T  
Official Response

Head of Brand Management of Liberty Home Guard Home Warranties
Gillian, thank you for taking the time to leave this wonderful review. We are looking forward to taking care of all your home system and appliance needs.
J
John R
8/26/2020
I spoke with Amanda in New York. It was a very pleasant experience. She explained everything and answered all my questions. Amanda is very GOOD at what she does.

M
Mariam T  
Official Response

Head of Brand Management of Liberty Home Guard Home Warranties
John, thank you for taking the time to leave this wonderful review. Amanda will be pleased to hear that she was able to properly assist you.
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