Liberty Home Guard Warranty Review
Having to repair or replace major home systems and appliances out of pocket can be super expensive. According to recent research, it can take anywhere from $5,000 to $10,000 to replace your home’s HVAC system. Even minor repair and maintenance costs during the year can quickly add up and become a massive drain on finances. That’s why many homeowners opt for home warranty coverage.
For those not in the know, a home warranty is a residential service plan that covers the repairs and replacements of systems and appliances in your home, usually for one year. This means that throughout the coverage period if your home systems and appliances stop working due to normal wear and tear, the home warranty provider will bear the bulk of the costs required to fix or replace them.
Though relatively new to the home warranty service industry, Liberty Home Guard (LHG) is already making waves as one of the top home warranty providers in the country. In this review, we’ll look at what this company offers, how it works, and how it stacks up against other home warranty companies.
About Liberty Home Guard Warranty
Established in 2017, Liberty Home Guard is a New York-based home warranty provider that services homes across the United States.
In the company’s About Us section, you’ll notice they’re quick to dissociate themselves from being a homeowner’s insurance provider. It is understandable that people might confuse one for the other since they sound so similar. The principal difference is in what the policies cover.
Where homeowners insurance generally covers damage from natural disasters, LHG home warranty policies provide cover against home appliance and system breakdowns from regular use. These home service plans are intended to protect homeowners from unexpected expenses related to the maintenance, repair, and replacements of major home systems and appliances.
The specific coverage and terms of a Liberty Home Guard Warranty will vary depending on the plan purchased. However, the most common items included in a typical home warranty plan are air conditioning, heating, plumbing, electrical, refrigerator, washing machine, dryer, oven, garbage disposal systems, and more.
How it Works
Purchasing home warranty protection from Liberty Home Guard is simple. It starts with a free quote based on what you want to cover for the year. The company evaluates which system and appliance failures are most likely to disrupt your home. They’ll then walk you through your options to ensure you are fully covered where it matters most.
Customers are also able to customize their protection plans to suit their needs and financial capacity. They can even opt to only replace damaged items instead of repairing them.
LHG offers home warranty coverage on appliances and systems regardless of model or age, plus there is no prior home inspection or maintenance record required for the coverage to kick in.
When any of these covered systems malfunctions, Liberty Home Guard will send a licensed contractor to come assess the issue and determine whether it needs repairs or a complete replacement. Whichever it is, the work is done for you and paid for by the company and in most cases, you’re only paying a small trade service fee in addition to your low monthly deductible.
Upon expiration, homeowners can choose to renew the service contract and continue to enjoy home warranty coverage and its resulting benefits for another year.
Liberty Home Guard Service Request
LHG policyholders can dial 833-LHGUARD (866) 396-5837 anytime to request service. They can also log into their account and schedule a request online. The company promises to dispatch a home repair professional within 48 hours of the service claim.
What Makes Liberty Home Guard Unique?
Liberty Home Guard claims to provide customers with “more claim reimbursement options than any other Home Warranty Provider.”
This is due to the company’s extensive network of LHG-certified technicians and contractors across the country. These professionals have been thoroughly vetted to ensure they have what it takes to deliver quality service. For additional peace of mind, their work comes with a 60-day workmanship guarantee.
In most cases, technicians are able to repair a broken down system or appliance on the first visit so customers can get on with their day with as few disruptions as possible.
Coverage Exclusion and Limits
As with any other home warranty provider, there are some limitations to what Liberty Home Guard warranty plans can cover.
Generally, coverage is for breakdowns resulting from normal everyday usage. For example, if an air conditioning unit stops working due to a malfunctioning fan, Liberty Home Guard would cover the cost of repair or replacement. However, if the unit was broken from willful misuse, then it will not be covered.
Liberty Home Guard offers three home warranty protection plans that cover the repair or replacement costs of 15 major home systems and appliances.
1. Total Home Guard
This plan provides total coverage on all the systems and appliances covered by Liberty Home Guard. It covers the repair or replacement of the mechanical components of the following:
- Clothes Washer
- Clothes Dryer
- Kitchen Refrigerator
- Built-in Microwave Ovens
- Dishwashers
- Garbage Disposals
- Ranges/Ovens/Cooktops
- Ceiling and Exhaust Fans
- Garage Door Openers
- Air Conditioning
- Heating
- Ductwork
- Plumbing
- Electrical
- Water Heaters
This is Liberty Home Guard’s most comprehensive home warranty combo, but it is certainly not the most comprehensive in the industry like the company claims. Still, it is exhaustive enough to cover the most important home appliances and systems throughout the year.
2. Systems Guard
As the name implies, this plan only covers major home systems. Coverage is for the repair or replacement of the parts and components of the following:
- Air Conditioning
- Heating
- Ductwork
- Plumbing
- Electrical
- Water Heaters
3. Appliance Guard
This plan specifically caters to home appliances. It is aimed at reducing the stress of homeowners when dealing with the repairs and replacements of the following 9 primary home appliances:
- Clothes Washer
- Clothes Dryer
- Kitchen Refrigerator
- Built-in Microwave Ovens
- Dishwashers
- Garbage Disposals
- Ranges/Ovens/Cooktops
- Ceiling and Exhaust Fans
- Garage Door Openers
4. Optional Add-Ons
This is where LHG’s home warranty customization comes into play. No two homes are alike, so while the three home warranty protection plans are great, homeowners are typically looking for specific tailored coverage options.
To that end, Liberty Home Guard offers 42 premium add-on coverage options for a wide variety of home systems, fixtures, appliances, and even maintenance plans.
Some of the most popular add-on options for LHG home warranty include pool and spa, septic system pumping, pest control, plumbing fixtures, gutter cleaning, trash compactor, re-key, carpet cleaning, and lawn sprinkler system.
View the full list on the Optional Add-ons Page.
Liberty Home Guard Reviews
Liberty Home Guard has been rated by several review sites. Here’s a quick walkthrough:
Consumer Affairs rates the company a 3.9/5 from over 173 reviews. Speed of service response and quality of work by technicians were among the primary reasons behind the positive reviews. On the other hand, denied claims and misunderstandings regarding coverage made up most Liberty Home Guard warranty complaints.
Online reviewers at ConsumersAdvocate.org gave a star rating of 4.8/5, citing transparency, simple claims processing, and customer experience as the leading factors for their positive reviews.
Over at This Old House, the team rated LHG 4.4/5 and awarded it the home warranty provider with the best customer ratings as of January 2023.
In their Liberty Home Guard review, Forbes contributors Deane Biermeier and Samantha Allen gave the company a 4.6/5 and ranked it 5th overall best home warranty company this year.
Chauncey Crail at U.S. News rates gave LHG a 4/5 star rating as of December 2022 while Amanda Lutz at Architectural Digest rates them 4.2/5.
Our Verdict
Overall, we rate Liberty Home Guard 4.3/5 stars. This is based on what people have said about the company’s speedy response time and customer service. The fact that there are systems-only and appliance-only plans available with over 40 add-on options is a nice touch too.
On the flip side, it loses points for its comparatively steeper pricing. Even more so when you consider that their total package plan only covers 15 home systems and appliances.
Liberty Home Guard Warranty Pros & Cons
Pros
- Unique coverage plans that can be customized even further with more than 40 add-on options, including roof leak and pest control
- Service available across 48 states and D.C.
- Extensive network of certified technicians and contractors
- High customer satisfaction scores
- 48-hour claim processing
- 60-day workmanship guarantee
- Unique member benefits, including exclusive discounts on brand-name appliances and systems, and $25 Amazon Gift Card referral rewards.
Cons
- Premiums and service fees are more expensive than many competitors
- Low coverage limits of $2,000 per item
- Not available in Washington and Wisconsin
- Several customer complaints about issues with the fine print resulting in denied claims
- LHG’s workmanship guarantee only applies to its certified contractors
Liberty Home Guard Warranty vs. Competitors
| Provider | Monthly Premiums | Industry Experience | Coverage Inclusions | States Covered | BBB Rating |
|---|---|---|---|---|---|
| Liberty Home Guard | $69–$79 | 5+ Years | Up to 15 major home systems & appliances + over 40 add-on options | 46 | A- |
| American Home Shield | $39.99 -$69.99 | 50 Years | Up to 23 home systems & appliances + add-on covers | 49 | B |
| Select Home Warranty | $41–$47 | 9+ Years | Up to 17 home systems & appliances | 48 | B- |
| Choice Home Warranty | $46 to $55 | 13+ Years | Up to 18 home systems & appliances + add-ons | 48 | C |
FAQs
Q. Why should I get a Home Warranty?
A home warranty can save you thousands of dollars in home repairs and maintenance. The breakdown of appliances and home systems is inevitable. However, since there’s no predicting when it will occur or how much it will cost to fix, it’s just smart thinking to want to be prepared at all times.
Q. Do I need a home warranty if I have homeowners insurance?
What home warranty covers is completely different from what homeowners insurance covers. So one does not replace the other. If anything, a home warranty supplements homeowners insurance, providing greater peace of mind for the homeowner.
Q. Does Liberty Home Guard require a home inspection?
No, LHG does not require a home inspection or maintenance records for coverage to kick in. However, the company may request a home inspection report to ensure that all the items covered in the plan are properly installed and in good working order.
Q. Does Liberty Home Guard cover roof leaks?
LHG offers roof leak cover protection as an add-on option. Keep in mind that coverage is only for the repair of specific roof leaks over specific areas. Some types of roofs, including built-up, metal, tar, and gravel roofs are also excluded from this coverage.
Q. What is Liberty Home Guard Warranty BBB rating?
LHG has an A- rating from the BBB.
Q. What isn’t covered by a Liberty Home Guard Warranty?
Generally, any damage or malfunction that doesn’t occur as part of “normal wear and tear” isn’t covered by LHG warranty. It’s important to read the fine print of your service contract to ensure you understand all the exclusions and limitations.
Q. Can You Cancel a Liberty Home Guard Warranty plan?
Yes, you can cancel your membership within the first 30 days of coverage.