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Liberty Home Guard Review (2023)

Plans, Pricing, Coverage, and More
By Patrick SatherPatrick Sather -
Last updated: Jan 08, 2023
59 reviews
logo-LIBERTY HOME GUARD
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Average annual premium
$499.99-$699.99
Contractors
10,000 in-network
Service call fee
$75-$150

Our Verdict

Is Liberty Home Guard Worth It?

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.

Average annual premium
$499.99-$699.99
Contractors
10,000 in-network
Service call fee
$75-$150

Liberty Home Guard Pros & Cons

PROS

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

CONS

Not available in 2 states (WA, WI)
Pricier than Choice Home Warranty and Select Home Warranty

Top Liberty Home Guard Reviews

Ba
Basil
, CA
I like the protection that their warranty provides. I feel that if they added additional services and made them more affordable, that would attract more customers.
Cr
Crystal
, MI
Liberty Home Guard is a great home warranty service to use. The service has been excellent so far and having it makes me feel safe knowing the major appliances in my home are covered.
Ke
Kerri
, WV
My home is safe with them, and I know my family is being taken care of with the Home Warranty.
See all Liberty Home Guard reviews

How do I know I can trust this Liberty Home Guard review?

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Liberty Home Guard Liberty Home Guard Visit Site

Overview

Liberty Home Guard at a Glance

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

-

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

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. 

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. 

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 $2,000 per item, with some exceptions. 

Is Liberty Home Guard Legit? 

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. 

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.

Mobile App

Liberty Home Guard does not have a mobile app.

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.

Liberty Home Guard Pricing

How Much Does Liberty Home Guard Cost?

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

$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.

Liberty Home Guard Alternatives

How Liberty Home Guard Compares to Other Home Warranties

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

.

Liberty Home Guard vs Choice Home Warranty

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 vs Select Home Warranty

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. 

Liberty Home Guard Liberty Home Guard Visit Site

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.
Patrick 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, his articles on life's most common financial decisions and quandaries are straightforward, practical, and always easy to understand.

Liberty Home Guard customer reviews

Based on 59 reviews

Ease of use

Brand satisfaction

Value for money

Service quality

Top Reviews

Ease of use

Brand satisfaction

Value for money

Service quality

6 months ago

I like the protection that their warranty provides. I feel that if they added additional services and made them more affordable, that would attract more customers.

6 months ago

Liberty Home Guard is a great home warranty service to use. The service has been excellent so far and having it makes me feel safe knowing the major appliances in my home are covered.

8 months ago

My home is safe with them, and I know my family is being taken care of with the Home Warranty.

8 months ago

We bought our first home and needed to get a home warranty. I'm very happy with Liberty Home Guard, as their customer service people are kind. They understand how to work with clients on a fixed budget, and they work with you on extending your payments so you don't get canceled. They are here to help, and they have a 5-star rating with Consumer Affairs and the BBB, so that's good enough for me.

a year ago

I really like Liberty a lot. I have no complaints about this insurance plan. It is really good overall.

a year ago

I like Liberty because they are very nice and the warranty is very affordable.

a year ago

The process was quick and easy. I was able to get what I wanted for a good price. After researching other companies I found this is best value and bang for my buck.

a year ago

It is not always clear what is or is not covered, so I gave it a slightly lower resting due to ambiguity. But it is a good value service that has helped us in times of need.

1 years ago

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

1 years ago

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

1 years 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

2 years ago

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

2 years ago

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

2 years ago

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

2 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.

3 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.

3 years ago

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

3 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.

3 years ago

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

3 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.

59 reviews