Liberty Home Guard review: A comprehensive guide to cost and coverage

Liberty Home Guard at a glance

Liberty Home Guard is the best home warranty company for people who want add-on coverage. It provides 42 add-on options that range from extra systems and appliance protection to home maintenance coverage.

Fast facts

What we like

Liberty Home Guard (LHG) has a quality workmanship warranty that lasts 60 days, which is double the industry average. Having a two-month warranty means you’re more likely to get a permanent resolution to any issue that crops up. Liberty also has an excellent Better Business Bureau (BBB) customer rating (4.45 out of 5), and customers can contact the company in several ways: online chat, email, phone and 24/7 customer service availability. Customers are likely to be pleased with Liberty Home Guard’s service when a problem arises.

What we don’t like

Liberty Home Guard scores low in our rankings because of its company history. It has only seven years of experience. Our team prefers companies that have at least a decade of experience and a proven track record. It’s also disconcerting that Liberty Home Guard doesn’t have a narrative about the company’s history on its website. Consumers like to know more about companies they want to partner with to protect their homes. Liberty also loses points because of pricing. The most affordable plan costs $50 per month, and add-ons push the price significantly higher.

*BBB scores are accurate as of September 2024

Liberty Home Guard pros and cons

Liberty Home Guard is more expensive than most other top home warranty providers. Its above-average monthly costs range from $60 to $70 after fees and surcharges. These prices are more than most providers, like Select Home Warranty, which costs between $44 and $47 per month.

Liberty’s service fees of $125 to $200 are also well above the industry standard of $96. However, based on many customer reviews, Liberty seems more likely to stick to its promises and provide coverage.

Liberty Home Guard provides a likable workmanship guarantee that lasts 60 days, which makes it less likely that you’ll run into recurring problems or incur more service fees than if you selected a home warranty company that has a 30-day guarantee. Liberty also enjoys above-average customer ratings — 4.45 out of 5 from the BBB (competitors get between 1 and 2 stars) and 4.7 out of 5 on Trustpilot (compared to typical 1- and 2-star ratings). That indicates better customer service by Liberty.

Pros

Cons

How much does Liberty Home Guard cost?

Liberty Home Guard pricing starts between $49.99 and $59.99 per month, excluding taxes, fees and any add-on options. It has three available plans, each at different price points. However, Liberty does not make it easy to see these prices on its website. You must request a price quote.

*All pricing is based on sample costs pulled for a property in Suffolk County in New York. Prices vary by location.
**Note that LHG charges around $10 per month for taxes and administrative, regulatory and processing fees, so all totals will be about $10 higher per month or around $100 higher per year for annual plans.

Liberty Home Guard also offers a “Pick Your Premiums” choice for the Total Home Guard plan that lets you choose lower monthly premiums in exchange for higher service call fees.

Costs based on service call fee

Your costs will grow if you select any of Liberty’s 42 optional extra coverages. Prices differ by the service line of these add-ons.

Savings and discounts

You can save money several ways when you buy a home warranty from Liberty Home Guard. For example:

What services does Liberty Home Guard offer?

Liberty Home Guard sells three base plans: one for home appliances, one for home systems and one that combines appliance and system protection. There are also all those optional add-ons.

There is a 30-day waiting period before coverage kicks in, which is standard in the home warranty industry.

Liberty Home Guard doesn’t cover luxury or professional-grade appliances unless you buy add-on coverage. It only covers damage caused by normal wear and tear, so issues stemming from maintenance neglect or a covered peril like a tornado won’t be covered.

Liberty Home Guard services

Liberty Home Guard add-ons and optional features

Liberty Home Guard has the most optional protections of any of the leading home warranty companies. You can customize your policy, no matter which of the three you select, by picking your desired add-ons from the list here. Your monthly costs will grow by the fees listed next to each coverage.

Outdoor add-ons

Electronics add-ons

Professional appliance coverage add-ons

Optional appliance add-ons

Home maintenance add-ons

Fixture add-ons

Pumps and pumping add-ons

What does Liberty Home Guard not cover?

Liberty Home Guard only covers damage or failures from routine wear and tear. It doesn’t cover intentional damage or issues from a lack of proper maintenance. It also excludes coverage for components. You can see the list on Liberty’s sample contract and also other exclusions, including:

Liberty Home Guard customer experience

Liberty Home Guard is easy to contact. It has options for calling, texting, emailing or talking on an online chat. The company’s website is easy to use and navigate, and you can get quotes online for your property, regardless of how much customization you need.

I reached out to Liberty via call, text and online chat to gauge representatives’ professionalism and response times. I got connected with a live representative after just two rings when I called, and a helpful chat bot was available immediately when I texted and used the online chat service. When I called and spoke to a live representative, they were friendly, professional and willing to help.

Liberty Home Guard reviews are overwhelmingly positive across the BBB and Trustpilot, which should show that you’ll receive top-notch customer service and a high pay-out rate if you go with this provider. However, there’s a note on the BBB website stating that the number of complaints since 2023 has increased, specifically related to response times to claims and the overall approval rate.

Liberty Home Guard’s home warranty reviews below should provide the best- and worst-case scenarios when choosing this provider:

The fine print: Terms and conditions you should know

I recommend reading Liberty Home Guard’s sample contract in its entirety before considering this company because there are some terms that might make you think twice about signing a contract.

First, make sure you understand the exclusions I listed above. Those can leave you with an item you believe will be covered, but then isn’t if the issue is with an excluded component.

Second, note that the maximum coverage per covered item is $2,000. The exceptions are the plumbing system, electrical system and add-ons, which max out at $500 each. There are other minor exceptions to the coverage limits, like a maximum of $10 per pound of refrigerant and a catch-all coverage cap of the covered item’s book value per item.

Liberty Home Guard vs. competitors

Liberty Home Guard is more expensive than many competitors — both on a monthly basis and on service call fees. The company’s plans are standard — appliance-only, systems-only and combination plans — but add-on coverages let you customize more than most other providers, and they include things I rarely see, such as rekey services, pest control services, exterior maintenance and coverage of guest houses.

I recommend Liberty for customers who want coverage for items that other providers don’t cover and for those looking for better customization than they’d get from other top home warranty providers.

Liberty Home Guard competitor comparison

Methodology

The CNN Underscored team reviewed 25 of the largest U.S. home warranty companies, compared each based on nearly 1,500 data points and weighted the scores from those data points based on what we would look for in a home warranty. We based our rankings from scores of seven categories:

The author of this article has also independently researched and written about home warranty companies for the past four years. His research included comparing plans, reading sample contracts and making recommendations to homeowners about the plans that would suit them best. He also has five years of experience in property management, so he understands the importance of proper coverage for home systems and appliances. He uses that knowledge to frame CNN Underscored’s unbiased findings.

FAQs