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Liberty Home Guard (LHG) is a relative newcomer to the home warranty industry compared to providers that have been around for decades. Still, it stands out for its highly customizable suite of optional coverage add-ons, live-chat customer service feature, and glowing reputation in the industry. As a result, we recommend LHG to any homeowners who seek coverage for uncommonly covered items, such as window washing, gutter cleaning, pest control, and more.
After reviewing dozens of providers across the country, we determined that Liberty Home Guard is one of the best home warranty companies available. In this review, we’ll dive into LHG’s plan offerings, costs, coverage limits, availability, and what real-life customers have to say about their experiences.
Liberty Home Guard Rating and Review
In our review standards, we considered key metrics, such as number of plan options, industry reputation, and additional features, for each home warranty provider. Liberty Home Guard scored 4.2 out of 5 stars in our rating system.
Liberty Home Guard scored highly for its available plans, add-ons, customer support, and industry reputation. However, its monthly prices are on the higher end of the industry average, and it didn’t rate as well there. It lost the most points in the additional features category because its base plans exclude high-end appliances, you’re not able to choose your own contractor, and it doesn’t offer an option to raise your coverage limits.
Here’s how we rated Liberty Home Guard on key metrics:
- Available Plans (5 out of 5): LHG earned all the available points in this category because it offers three plans, one of which is a combo plan, and more than 20 additional coverage options.
- Plan Coverage (4.6 out of 5): LHG rated well for plan coverage, only losing a fraction of a point because its coverage caps are only $2,000 for all covered items.
- Price Range (4 out of 5): LHG’s monthly plan pricing is slightly higher than the average range we calculated from more than 35 home warranty providers. However, its service fee is less than $75 per month.
- Industry Reputation (4.5 out of 5): LHG has a solid industry reputation, with a good rating from the Better Business Bureau (BBB); it also provides a sample contract available online. It only lost a partial point as some may view its youth in the industry as a potential downside.
- Customer Support (4.9 out of 5): LHG scored highly for 24/7 support and its online portal, plus its live-chat feature. However, it doesn’t guarantee a claim response within 24 business hours as some competitors do.
- Additional Features (2.7 out of 5): LHG earned points for roof-leak coverage, coverage for ceiling and exhaust fans, and coverage for faucets and fixtures. It lost points because it doesn’t provide an upgrade package, you can’t choose your own contractor, and its base plans exclude high-end appliances.
Fast Facts About Liberty Home Guard
- Founded: 2017
- State Availability: 50
- Service Fee: $65–$125
- Number of Plans: Three
- Get a Quick Quote: Visit LHG site
Benefits and Drawbacks of Liberty Home Guard
Here’s a look at a few pros and cons of getting home warranty coverage from LHG.
➕ Unique coverage: LHG offers more than 35 add-on options, including coverage for pro-series appliances
➕ Customer service chat: The live-chat feature built into the website makes it easy to contact a representative with questions or concerns 24/7
➕ Total home protection: LHG provides home insurance plans, sponsored by Progressive, for coverage outside the scope of its home warranty plans
➖ Opaque service call fees: The quote process for its home warranty plans doesn’t include a service call fee
➖ Fine print: The company’s workmanship guarantee doesn’t apply if you choose your own contractor
Liberty Home Guard Coverage Options
Liberty Home Guard offers three plan options. Appliance Guard covers many of your kitchen and laundry appliances, while Systems Guard covers your built-in systems, such as your air conditioning. Total Home Guard offers comprehensive coverage for all covered items in the two basic plans.
While other service providers offer 30-day workmanship guarantees, LHG’s 60-day workmanship guarantee is double that length. This guarantee provides peace of mind if a covered appliance or built-in system breaks within two months of service by an LHG technician, the company will send another technician at no additional charge.
The Appliance Guard plan covers your home’s appliances, including your clothes washer, clothes dryer, refrigerator with ice maker and display, built-in microwave oven, dishwasher, garbage disposal, range/oven/cooktop, ceiling and exhaust fans, and garage door openers.
The Systems Guard plan covers your home’s built-in systems, including your air conditioning, heating, ductwork, plumbing, electrical, and water heaters.
Total Home Guard
The Total Home Guard plan covers all the home systems and appliances in the two earlier coverage plans for a total of 15 covered items.
In addition to the three plan options, Liberty Home Guard offers an extensive list of optional add-ons:
- Additional spa
- Carpet cleaning
- Casita guest unit
- Central vacuum
- Ejector pump
- Electronics protection
- Freestanding ice maker
- Grinder pump
- Gutter cleaning
- In-fridge ice make
- Instant hot water dispenser
- Lawn sprinkler system
- Lighting fixtures
- Limited roof leak
- Pest control
- Plumbing fixtures
- Pool and spa
- Pro-series clothes dryer
- Pro-series dishwasher coverage
- Pro-series microwave
- Pro-series range/oven/cooktop coverage
- Pro-series refrigerator coverage
- Pro-series washing machines
- Re-key services
- Reverse osmosis water filter system
- Saltwater pool
- Second refrigerator
- Septic system pumping
- Stand-alone freezer
- Sump pump
- Swamp cooler
- Trash compactor
- Water dispenser water line
- Water softener
- Well pump
- Window washing/cleaning
- Wine cooler/fridge
Liberty Home Guard Pricing
Liberty Home Guard’s plan pricing ranges from roughly $49 to $60 per month, depending on your selection. You can expect to pay a service call fee between $65 and $125 each time you file a claim. The service call fee is similar to an insurance deductible, meaning you’ll need to pay it before you receive service. Unlike other providers in the industry, LHG’s service call fees aren’t variable to allow you to adjust your monthly fee. Instead, the company assigns you a service call fee within this range based on your plan selection, add-ons, and your location.
All pricing information used in this article is based on a single-family home in Raleigh, North Carolina.
Liberty Home Guard Coverage Caps
Liberty Home Guard’s coverage limits are straightforward. Every plan is subject to a $2,000 coverage cap per covered item. Without pro-series appliance coverage, some brand names may be limited to $1,000 per item. We recommend reviewing a sample contract for more information about exclusions and limitations.
Liberty Home Guard Reviews
When ranking and analyzing providers across the industry, we listened to dozens of customer service calls and read more than 1,000 reviews for LHG to see what customers saw as pain points and advantages of home warranty plans.
Through this research, we noted that Liberty Home Guard customers were most impressed with the provider’s user-friendly claims process and with the knowledge representatives were willing to share without pressuring a sale. Here are a few customer reviews:
[The] user-friendly app [made it] very easy to place a claim. Fast response claims. Saved a ton also. —Misty Farley via Google Reviews
Finally got my garage door repaired. I appreciate the help that Aaron gave me. He was courteous, proactive, and responsive. My overall experience was less than satisfactory, however in the end they upheld their responsibilities and corrected the mistake. I still do not think this process should have taken [seven] weeks to get a resolution. I’m thankful this was not an emergency repair. —Niki Prieto via Google Reviews
If you have a plan, don’t expect any emergency services… they just dispatch your claim to companies and whoever picks up the job picks it up and you deal with scheduling them. If you have an emergency and it’s not a 24/7 company that picks up your job, oh well. The plans also only cover parts and not labor so keep that in mind. —Lauren Piscitelli via Google Reviews
Norman was easy to speak with and very helpful. Definitely not “salesy.” —Rich B via Google Reviews
Note: When we reached out to the provider about these customer reviews, we did not receive a comment.
How Liberty Home Guard Compares to the Competition
Here’s how Liberty Home Guard compares to its competitors in the industry.
|Monthly Cost||Service Fee||BBB Rating||Link|
|American Home Shield||$65–$76||$100–$125||B||VISIT SITE|
|Liberty Home Guard||$49-$60||$65–$125||A+||VISIT SITE|
|Select Home Warranty||$44–$48||$65–$75||B-||VISIT SITE|
|First American Home Warranty||$59–$77||$75–$125||B||VISIT SITE|
|AFC Home Club||$47–$56||$75–$125||B||VISIT SITE|
Liberty Home Guard is an excellent choice for any homeowner looking for a home warranty provider that covers more than the run-of-the-mill built-in systems and appliances. Though it’s easy to find a provider to protect your home’s HVAC and kitchen equipment, not all home warranty companies offer coverage for pro-series appliances, lighting fixtures, wine coolers, or other similar items in your home.
With LHG, you can choose from the standard base packages for your typical built-in systems and appliances, plus select up to 38 optional add-ons to customize your coverage for your home’s specific needs.
To request a personalized quote from Liberty Home Guard, use this simple online tool.
Nonetheless, we encourage homeowners to request quotes from at least three different home warranty providers to compare coverage options.
Reviews of Other Home Warranty Providers
- American Home Shield Review
- Select Home Warranty Review
- First American Home Warranty Review
- Cinch Home Services Review
Frequently Asked Questions
Does Liberty Home Guard cover pre existing conditions?
No, Liberty Home Guard does not cover any pre existing conditions, known or unknown. Though the provider does not require a home inspection when you buy a home warranty, it expects all covered items to be maintained according to the manufacturer’s specifications. Few providers cover pre existing conditions. American Home Shield is one of the few providers that may cover unknown pre existing conditions that can’t be detected through a visual or simple mechanical inspection.
What doesn’t Liberty Home Guard cover?
Liberty Home Guard excludes high-end appliance brands from its base coverage. These brands include Abbaka, Aga, Alfresco, American Range, Asko, Bertazzoni, Best, Blomberg, BlueStar, Bosch, Capital, Chambers, Dacor, Electrolux, Faber, Fisher & Paykel, Five Star, Franke, Fulgor Milano, Gaggenau, GE Café, GE Monogram, Heartland, Hestan, Ilve, Jenn-Air, KitchenAid, La Cornue, Lacanche, Liebherr, Lynx, Marvel, Miele, Molteni, Officine Gullo, Scotsman, Smeg, Sub-Zero, Thermador, THG Paris, Thor Kitchen, True, U-line, Verona, Viking, Wolf, Zephyr, and ZLine. You can add these items to your plan by selecting the pro-series add-on options. To learn more about the exclusions and limitations of LHG’s home warranty coverage, we recommend carefully reviewing the sample contract.
What is a variable service call fee?
Some home warranty providers will allow customers to choose a variable service call fee, allowing them to control their monthly premiums. Typically, choosing a higher service fee will reduce your monthly payments and vice versa. LHG assigns a service call fee based on its assessment of the location of your home, your plan, and add-on selections. Because LHG isn’t entirely transparent about your assigned service call fee during the quote process, it’s a good idea to speak with a representative for clarification before you agree to any plan.
Do I need a home warranty if I have homeowners insurance?
Enrolling in a home warranty does not replace your homeowners insurance, but it can supplement it. Compared to a homeowners insurance policy, which covers destructive events that affect your home’s structure or personal property, a home warranty policy covers repairing or replacing your home’s components when they break down due to normal wear and tear.
Is Liberty Home Guard a good company?
Liberty Home Guard is a good company, according to our research. After analyzing thousands of reviews across Trustpilot, Best Company, Better Business Bureau (BBB), and Google Reviews, we noted the company’s reputation is overwhelmingly positive. The company also has a B+ rating on the BBB’s website (as of March 2023).
How We Chose the Top Home Warranty Providers
Our team reviewed and researched dozens of home warranty providers, thoroughly analyzed sample agreements, and identified customer pain points based on customer-review analysis and interviews with industry experts. Our in-depth methodology guides our review process to provide transparent information about the companies we review.
During this process, we determined that the most critical aspects of a home warranty company include available service plans and add-ons, depth of coverage, plan cost, industry reputation, customer support infrastructure, and additional features. We also focused on the ability to choose your own contractor, upgrade your coverage package, transfer your plan to another owner, and cover roof leaks, high-end appliance brands, ceiling and exhaust fans, and faucets and fixtures.
Our research supported that plan coverage should carry the most weight, with customer support as the second-most important factor. Industry reputation, plan availability, and additional features were rated equally. Therefore, we determined that price range, while worth considering, should not be the primary basis for choosing a home warranty provider for your home’s needs.