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Liberty Home Guard Review (2021): Plans, Pricing, Coverage, and More

Catherine Miller

In a Nutshell

Liberty Home Guard has superb customer service and a great reputation amongst its users. It has 3 decently priced warranty plans, plus a wide range of optional add-ons, and offers a host of deals and discounts when you purchase a plan. Although it has slightly fewer technicians in its network than competitors do, it’s a reliable service that could save you time and money in the long run.

pros

  • Excellent customer service
  • 2 free months with annual billing
  • Highly rated by customers

cons

  • Not available in 5 states (CA, WA, WY, IL, WI)
  • Lower number of technicians than others

Liberty Home Guard Liberty Home Guard Visit Site

Liberty Home Guard Plans 

Item Covered

Total Home Guard
Systems Guard
Appliance Guard


Best for full coverage

 Best for systems

 Best for appliances

Clothes washer

x

-

x

Clothes dryer

x

-

x

Kitchen refrigerator

x

-

x

Built-in microwave

x

-

x

Dishwasher

x

-

x

Garbage disposal

x

-

x

Range/oven/cooktop

x

-

x

Ceiling and exhaust fan

x

-

x

Garage door opener

x

-

x

Air conditioning

x

x

-

Heating

x

x

-

Ductwork

x

x

-

Plumbing

x

x

-

Electrical

x

x

-

Water heater

x

x

-

Optional Add-Ons

It’s also possible to add the following extras to your plan, for additional cost: 

  • Pool and spa
  • Sump pump
  • Well pump
  • Central vacuum
  • Additional spa
  • Septic system pumping
  • Standalone freezer
  • Limited roof leak
  • Lighting fixtures
  • Re-key
  • Gutter cleaning
  • Pest control
  • Carpet cleaning
  • Water softener
  • Lawn sprinkler system
  • Electronics protection
  • Swamp cooler
  • Ejector pump
  • Second refrigerator
  • Trash compactor
  • Ice maker (in-fridge)
  • Freestanding ice maker
  • Wine cooler/fridge
  • Saltwater pool
  • Generator
  • Plumbing fixtures
  • Grinder pump
  • Water dispenser water line
  • Instant hot water dispenser
  • Reverse osmosis water filter system
Liberty Home Guard offers home warranty plans to protect your systems and appliances

Plan Exclusions

Liberty Home Guard’s warranty plans cover issues arising from normal wear and tear rather than a natural disaster or human damage. Individual systems and appliances have particular exclusions. For example, most appliances are only covered for mechanical parts rather than accessories like racks or shelves; for heating systems, outside piping is not covered. You can check the Liberty Home Guard website, where thorough details of exclusions are given. 

Liberty Home Guard Plan Pricing

We obtained quotes for single-family homes in Texas and New York City. Quoted prices were consistent across the locations. At the moment, Liberty Home Guard is offering 2 months free when you purchase a plan with annual billing. The number of free months rises as you add more years to your plan, to a maximum of 6 months when you purchase 5 years in one go. 

The table below shows costs for one year of Liberty Home Guard.


Systems Guard

Appliance Guard

Total Home Guard

Single-family home under 5,000 square feet

$499.99

$449.99

$549.99

Single-family home over 5,000 square feet

$639.99

$579.99

$699.99

Optional extras can be added for $39.99-$299.99/year, depending on the chosen item.

How to file a claim with Liberty Home Guard

You can submit a claim to Liberty Home Guard either on the phone or online, 24/7. After you pay the service fee, Liberty Home Guard will connect you with a technician, who should reach you within 24 to 48 hours. In some cases, you may be able to find your own technician and claim for reimbursement, too. With 10,000 technicians, Liberty Home Guard’s network is smaller than that of some competitors. However, workmanship is guaranteed for 60 days, during which time technicians can be recalled. The service cap included in a standard contract is $1,600 per item, with some exceptions. 

Is Liberty Home Guard Legit? 

Liberty Home Guard has a good reputation according to review websites Trustpilot (where the service has 86% excellent reviews, 2% good, and 12% bad) and ConsumerAffairs (where the average rating is 4.1/5). The company is rated A by the Better Business Bureau (BBB), where aggregated reviews are an average of 4.63/5. Overall, these are good figures, suggesting that Liberty Home Guard is a solid choice. 

What’s Unique About Liberty Home Guard?

Liberty Home Guard currently has several special offers. You can get 25% off when purchasing a plan with monthly billing, or 2 free bonus months with 1 year. You can get more free months when you buy more years in one go, from 3 to 6 months free as you increase your plan up to 5 years. You can also get free roof leak coverage with the purchase of a plan. There is a refer-a-friend bonus of a $25 Amazon gift card, and discounts are available on appliance purchases when you are a Liberty Home Guard customer.

Help and Support

In addition to 24/7 phone and email, you can also talk to Liberty Home Guard’s customer service team via live chat. This is a great feature that makes it easy to get help quickly. The website also has a thorough FAQ and helpful blog with tips and advice.

What about the Liberty Home Guard app?

Liberty Home Guard does not have a mobile app.

How to Get Started with Liberty Home Guard

It’s quick and easy to obtain a free quote from Liberty Home Guard, either online or by phone. You need to give your contact details, address, and the type and size of your home. You will also need to select any optional add-ons you need, decide your plan level and the length of coverage you want to purchase. You can then purchase your warranty directly from the site. 

You can get a free quote online

How Liberty Home Guard Compares to Other Home Warranty Services

Liberty Home Guard’s annual premiums are similar to those offered by other companies, although its service fee can be more expensive (up to $150) depending on the plan you purchase. Its pool of in-network contractors is on the low side compared to competitors, but its excellent reputation suggests this doesn’t hamper its service.


HomeServe USA

First Premier Home Warranty

Complete Care Home Warranty

Average annual premium

$287.88-$699.96

$420-$540

$450-$570 

Contractors

In-network (number not specified)

15,000 in-network

In-network (number not specified)

Service call fee

$100

$60-$75

$60

Service requests

Phone hotline, 24/7

Phone or email, 24/7

Phone hotline, 24/7

Liberty Home Guard vs HomeServe USA

HomeServe USA has a wider range of premium prices, but isn’t much more expensive than Liberty Home Guard. In some cases, however, your service fee with Liberty Home Guard may be more costly. Both Liberty Home Guard and Home Serve USA have responsive live chat support, which is a helpful feature. But for deals and offers, Liberty Home Guard is a little more generous, which might nudge you towards this choice if you’re looking for a discount.

Liberty Home Guard vs First Premier Home Warranty

First Premier Home Warranty’s premiums and service fees are somewhat cheaper than Liberty Home Guard, so this could be a better choice if you are on a budget. Additionally, First Premier Home Warranty has a bigger network of contractors. However, if you are looking for top notch customer service, whilst First Premier Home Warranty’s email support team is responsive, Liberty Home Guard’s instant live chat may give you greater peace of mind. 

Liberty Home Guard vs Complete Care Home Warranty

Complete Care Home Warranty’s premium prices are slightly cheaper than Liberty Home Guard’s, and its service fee is quite a bit lower. However, Liberty Home Guard has a $1,600 service cap, whereas many systems and appliances covered by Complete Care Home Warranty are limited to $500 worth of repairs. Therefore, you may feel it’s worth spending more on Liberty Home Guard to have more generous cover.

The Bottom Line

Liberty Home Guard has an excellent reputation and it’s easy to see why. It has a great customer service setup, with live chat, and a detailed and helpful website. The company offers a range of deals and discounts when you purchase a plan, including 2 free months when you buy a year’s worth of cover. And the annual premium for a single-family home is comparable to competitors. 

Although not yet available in absolutely every state, and with slightly fewer technicians in its network than other companies, this could be a good choice if you’re looking for a reliable home warranty service.

Frequently Asked Questions
Is Liberty Home Guard worth the money?
-
+
Liberty Home Guard has excellent customer reviews, great customer service, and a helpful website. Its prices are also not much more expensive than those of competitors. Purchasing a home warranty can save money and time when it comes to repairs for appliances and systems. So for most customers, Liberty Home Guard could be worth the money.
Does Liberty Home Guard cover pre-existing conditions?
-
+
No, Liberty Home Guard does not cover pre-existing conditions.
How much does Liberty Home Guard cost?
-
+
The average cost of a year’s cover for a single-family home is $499.99-$639.99.
How do I cancel my Liberty Home Guard policy?
-
+
You can cancel your plan within the first 30 days after purchase and receive your agreement money back, less any claims made and a small fee. After this point, you will be refunded a prorated amount, less any claims made and a small fee. You can cancel by contacting Liberty Home Guard.
Is a home inspection required before coverage begins?
-
+
No, a home inspection is not required before coverage begins when you purchase a Liberty Home Guard warranty.
Catherine Miller is a lead member of personal finance and pension innovator Maji, where’s she’s responsible for content creation and running Maji’s personal finance masterclass, among others. Miller also holds degrees in English and education, and worked as a teacher before moving into finance. Today, she combines aspects of education and personal finance to help readers make better decisions in finance and beyond.

Liberty Home Guard customer reviews

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7 months ago

As a customer I think it is one of the best for it's quality overall

7 months ago

It does the job it needs to by keeping the home covered for its customers

8 months ago

For one liberty home guard store locations has the most professional and genuine speaking and honest skills and also on the phone they had provided me explanations for coverages and make it very simple and seamless

8 months ago

They are the best in terms of service delivery and they give the best money wise.

8 months ago

I did like liberty home guard because it helped me get a better idea of what I wanted for my home

9 months ago

I just think that liberty guard is awesome and I will always use them and people so nice

1 years ago

There are very thought full an helpful and are always there. My family has used them for a few years now and they have saved us money on repair costs.

1 years ago

Very nice and reasonable, makes me feel very safe, they are on top of everything customers service is fantastic. Price could be better, but you get a lot of benefits.

1 years ago

It was very easy to sign up and was hassle free. It was a good value for the money as well.

1 years ago

It's good if you own your home and have a lot of repairs. They end up saving you money on repairs that would otherwise cost exorbitant amounts. They aren't the easiest to use, though.

1 years ago

Because they cover repair costs so that you end up spending much less money than otherwise. A very helpful service.

2 years ago

It has been good so far, have no problems with it at all. I would recommend it to anyone with a home that is in need of different fixes.

7 months ago

They are reputable brand, immovative, quality products and tools, unique and effective

8 months ago

It was a great experience . It was easy to use , utilize and referrer to friends and colleagues

8 months ago

The people that work for this company are friendly and informative. They explained to me everything I needed to know clearly. They used covid safety measures

8 months ago

It is a great product that makes me feel safe. I don't have to worry about my pets and my family.

8 months ago

It covered all that we felt it should for the cost. We felt it was better than others we looked at.

8 months ago

Liberty Home I have had a couple of great experiences with Liberty Home Guard. My oven broke, and they replaced it. My dryer broke down twice, and it was fixed within 2 days. I had a plumbing problem, and it was taken care of.

8 months ago

They have great customer service representatives and cover a lot of things I did not expect

9 months ago

the quality is fine, the price is relatively high but that's not the point. it is too complicated

29 reviews