September 15, 2025
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4 min
| Item Covered | Total Home Guard | Systems Guard | Appliance Guard |
|---|---|---|---|
Best for full coverage | Best for systems | Best for appliances | |
Clothes washer | ✓ | - | ✓ |
Clothes dryer | ✓ | - | ✓ |
Kitchen refrigerator | ✓ | - | ✓ |
Built-in microwave | ✓ | - | ✓ |
Dishwasher | ✓ | - | ✓ |
Garbage disposal | ✓ | - | ✓ |
Range/oven/cooktop | ✓ | - | ✓ |
Ceiling and exhaust fan | ✓ | - | ✓ |
Garage door opener | ✓ | - | ✓ |
Air conditioning | ✓ | ✓ | - |
Heating | ✓ | ✓ | - |
Ductwork | ✓ | ✓ | - |
Plumbing | ✓ | ✓ | - |
Electrical | ✓ | ✓ | - |
Water heater | ✓ | ✓ | - |
It’s also possible to add the following extras to your plan, for additional cost:
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.
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 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 $2,000 per item, with some exceptions.
Liberty Home Guard has a good reputation according to review websites such as Trustpilot (where the service has 86% excellent reviews, 2% good, and 12% bad). 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.
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.
Liberty Home Guard does not have a mobile app.
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.
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 the costs for one year of Liberty Home Guard.
| Systems Guard | Appliance Guard | Total Home Guard | |
|---|---|---|---|
Single-family home under 5,000 square feet | $549.99 | $499.99 | $599.99 |
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.
Additionally, Liberty Home Guard now offers its customers home insurance quotes sponsored by Progressive.
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.
| Liberty Home Guard | Choice Home Warranty | Select Home Warranty | |
|---|---|---|---|
Average annual premium | $479–$839 | $560-$660 | $588-$660 |
Contractors | 10,000 in-network | 15,000 in-network | 10,00 in-network |
Service call fee | $60–$75 | $75-$85 | $60-$75 |
Service requests | 24/7 online and phone | 24/7 online and phone | 24/7 online and phone |
While Liberty Home Guard is more expensive than Choice Home Warranty, you will save money with Liberty Home Guard when it comes to saving money on service visits. Both Liberty Home Guard and Choice Home Warranty have responsive live chat support, which is a helpful feature.
Liberty Home Guard has a $2,000 service cap, whereas Select Home Warranty offers $2,00 coverage per term on HVAC but only $500 per term on appliances, plumbing and electrical systems. Service fees for both Liberty Home Guard and Select Home Warranty are pretty much identical, so the choice may simply come down to what type of coverage you need and who is willing to give you the best discounts upon signing up.
With high ratings and great reviews, Liberty Home Guard has a reputation for delivering reliable service to customers.
They offer flexible plans designed for a variety of homeowners, including first-time buyers, senior homeowners, realtors, and growing families. Customers can choose from three core plans (Systems Guard, Appliance Guard, and Total Home Guard) and select from more than 40 add-on options covering roofs, kitchens, appliances, and more. This allows for truly comprehensive coverage tailored to unique needs, offering some of the best pricing in the industry.
New policyholders also receive free limited roof leak protection and two free months of coverage.
Liberty Home Guard's exceptional claims process sets them apart from other home warranty providers. They have a 24/7 call center and guarantee that a contractor will be assigned to a claim within 24 to 48 hours. Their network includes over 10,000 qualified technicians across all 50 states and Washington, D.C.
Additionally, Liberty Home Guard has launched a comprehensive mobile app that transforms how homeowners manage their warranty accounts, file claims, and access real-time information. The app includes easy access to warranty details, efficient claims management, streamlined payment tracking, seamless communication with technicians, real-time notifications, and a library of home maintenance resources.
Frequently Asked QuestionsPatrick Sather is an award-winning personal finance writer and licensed broker who has worked for some of the largest financial firms in the United States, including TD Ameritrade and Pacific Life. A graduate of the University of Nebraska in both Economics and International Trade and English, Sather writes for Top10.com sharing his insights on life's most common financial decisions.
