In This Article
Key Points:
- Liberty Home Guard stands out for high customer ratings on the Better Business Bureau (BBB), Trustpilot, and Google.
- Quotes can range from about $50 to $60 per month and add-on systems can cost an additional $4 to $35 each.
- The company’s plans cover up to $2,000 per year per item for most systems and appliances.
Liberty Home Guard is one of the most popular home warranty companies in the industry, and it offers a good range of plans with affordable rates. But is the company worth it, and how is its service record? In this article, we’ll get into the details of Liberty Guard and show you why it’s our top choice for a home warranty company.
Our Top Pick
After reviewing 20 companies, we’ve determined that Liberty Home Guard is our preferred option for home warranties.
- Claims-first warranty company
- Highly ranked by customers
- Two months free with annual payment
- Home inspection isn’t required
- 24/7 customer service
Liberty Home Guard Overview
Liberty Home Guard sells service contracts that cover repairs to appliances like your refrigerator or oven and systems like the air conditioning. The company’s coverage is easy to understand since you can choose to cover appliances, systems, or both. The company also offers plenty of add-ons to customize your plan.
Liberty Home Guard offers 24/7 support so you can report a claim or get help at any time. Most customers have positive experiences with the company, as shown by its high ratings on platforms like Trustpilot and Google.
We took a close look at Liberty Home Guard from multiple angles. Here’s how we rated the company:
| Research Category | Toco Rating |
|---|---|
| Trustworthiness | 4.5 |
| Coverage | 4.6 |
| Pricing | 4.3 |
| Service flexibility | 4.6 |
| Customer experience | 4.7 |
| Overall Rating | 4.6 |
Quick Facts
- Founded: 2017
- Headquarters: Brooklyn, NY
- Availability: All states
Liberty Home Guard Plans
Liberty Home Guard offers three main plans:
- Appliance Guard: Covers the clothes washer, clothes dryer, kitchen refrigerator, built-in microwave ovens, dishwashers, garbage disposal, ranges/ovens/cooktops, ceiling and exhaust fans, and garage door openers
- Systems Guard: Covers the air conditioning, heating, ductwork, plumbing, electrical, and water heaters
- Total Home Guard: Covers all 15 appliances and systems in the Appliance and Systems Guard plans.
Liberty Home Guard divides lower plans into appliance-only or systems-only, which is a common strategy in the industry. On the other hand, you can find entry-level plans from other companies that mix some appliances and systems together. For example, First American’s starter plan covers the plumbing, heating, and electrical system plus some kitchen appliances like the dishwasher and oven/range. The right option for you depends on what you want to cover in your home.
Home Warranty Add-Ons
Besides the standard plans, you can get add-ons to cover more appliances and systems. Liberty Home Guard offers 38 add-ons, which is the highest number of any company we researched.
| Pool and Spa | Pest Control | Wine Cooler/Fridge | Pro-Series Dishwasher |
| Sump Pump | Carpet Cleaning | Salt Water Pool | Pro-Series Microwave |
| Well Pump | Water Softener | Generator | Pro-Series Washing Machine |
| Central Vacuum | Lawn Sprinkler System | Plumbing Fixtures | Pro-Series Clothes Dryer |
| Additional Spa | Electronics Protection | Grinder Pump | Window Washing/Cleaning |
| Septic System Pumping | Swamp Cooler | Water Dispenser Water Line | Casita Guest Unit |
| Stand Alone Freezer | Ejector Pump | Instant Hot Water Dispenser | TV Mounting (up to 65-inch TVs) |
| Limited Roof Leak | Second Refrigerator | Reverse Osmosis Water Filter System | TV Mounting (up to 85-inch TVs) |
| Lighting Fixtures | Trash Compactor | Pro-Series Refrigerator | Power Washing (Exterior Flooring) |
| Re-Key | Ice Maker (In-Fridge) | Pro-Series Range/Oven/Cooktop | Pro-Series Stand Alone Freezer |
| Gutter Cleaning | Freestanding Ice Maker |
While it’s good to have additional choices, Liberty Home Guard’s base plans don’t cover as many items as some competitors. For example, some other companies include pro-grade appliances or plumbing fixtures in some of their plans, not as add-ons.
Limits of Liability
Liberty Home Guard will pay up to $2,000 to cover a single system or appliance in a one-year term. However, it has a limit of $500 for plumbing, electrical, and add-on options. Coverage for these items is limited to $250 within 90 days of the effective date.
Liberty Home Guard will also only pay up to the book value of the appliance or system. So, if you have an old stove that’s only worth $200, Liberty Home Guard will pay up to that amount to fix or replace it.
Overall, these limits of liability are fairly common in the industry.
Coverage Exclusions
Besides liability limits, Liberty Home Guard contracts also come with exclusions. Here are a few examples:
- Pro-grade or luxury appliances (unless you upgrade the plan)
- Routine maintenance
- Damage from lack of maintenance, rust, improper repair, and more
- Commercial-grade equipment
- Flues, vents, and chimneys connected to covered items
- Cost to dispose of old appliances or systems
- Smart or computerized devices
- Pre-existing issues
- Cost to access systems behind concrete or walls or to repair concrete/walls
All home warranty companies have exclusions, and it’s important to understand these before you buy a plan. Most exclusions from Liberty Home Guard are expected for the industry, though we did see some other companies cover access through concrete up to a certain amount.
Can You Choose Your Own Technician?
Liberty Home Guard may let you choose a technician if you contact the company ahead of time. You’ll have to pick a licensed, bonded, and insured service contractor. The contractor will diagnose your repair and then contact Liberty Home Guard for authorization. You’ll have to pay the diagnostic fee upfront and seek reimbursement if the repair is covered.
Most companies don’t let customers choose their own repair technicians, so this is a nice perk from Liberty Home Guard.
Does Liberty Home Guard Guarantee Repairs?
Liberty Home Guard Cost
| Appliance Guard | Systems Guard | Total Home Guard | |
|---|---|---|---|
| Monthly cost (under 5,000 sq ft) | $49.99 | $54.99 | $59.99 |
| Annual cost (under 5,000 sq ft) | $499.99 | $549.99 | $599.99 |
| Monthly cost (over 5,000 sq ft) | $63.99 | $69.99 | $75.99 |
| Annual cost (over 5,000 sq ft) | $639.99 | $699.99 | $759.99 |
Like most home warranty companies, Liberty Home Guard offers a discount for annual plans. You basically get two months of free coverage if you pay for an annual plan compared to a monthly plan.
We also found costs for add-ons range from $3.99 (in-fridge ice maker) to $35.99 per month (casita guest unit) depending on the item. Adding a few options can increase your monthly cost pretty quickly.
What’s the Liberty Home Guard Service Call Fee?
Liberty Home Guard’s service call fee ranges from $50 to $150. You pay this fee to the technician for each separate claim and covered component. So, if your fridge and washing machine both need repair, you’ll pay two fees.
Liberty Home Guard Claims and Support
You can make a claim online through Liberty Home Guard’s portal at any time. Under normal circumstances, the company will dispatch a technician within 48 hours. You can also call the company 24/7 to report a claim.
Liberty Home Guard will send its own technician unless you request otherwise. Note that these are independent contractors in Liberty Home Guard’s network, not employees. The customer service you get can depend on the individual contractor assigned.
All Liberty Home Guard contracts have a waiting period of 30 to 60 days before you can make a claim. This is because the company doesn’t cover pre-existing issues in your appliances or systems (no home warranty companies do). The day after the waiting period ends is called the effective date.
What’s the Cancellation Policy?
You can cancel within 30 days for a full refund minus a $50 cancellation fee. Some other companies don’t have a fee within 30 days, so this is something to be aware of.
After that point, you’ll get a refund prorated for time and claims paid minus a $50 fee. For example, if you paid $700 upfront for an annual plan and Liberty Home Guard covered $200 in repairs, your refund would be $450. This practice is fairly common in the industry but customers are often surprised when claims are deducted from the refund.
Liberty Home Guard Pros and Cons
Let’s pause for a moment to cover some high-level pros and cons of Liberty Home Guard:
| Pros | Cons |
|---|---|
| High ratings on the BBB, Google, and Trustpilot | Not the cheapest coverage out of the leading providers |
| You can use your own technician in some situations | The $2,000 limit per repair on most covered items is lower than limits from other companies |
| Plans are easy to understand and offer multiple upgrade options |
Liberty Home Guard Customer Service Reputation
Liberty Home Guard stands out for its customer service reputation. The company has a 4.4-star rating from customers on the BBB, a 4.8-star rating on Trustpilot, and a 4.7-star rating on Google. Most other companies we researched had at least one rating below four stars and many had ratings below two stars.
That said, Liberty Home Guard is currently not rated by the BBB itself. This is because the BBB noticed a pattern of complaints including a lack of communication during the start of the claims process and misunderstanding of what was supposed to be covered.
In response, Liberty Home Guard said it’s improving its customer service software, hiring more customer service staff, and training salespeople better to explain coverage. The BBB is currently evaluating the response, and it’s good to see Liberty Home Guard is working on improving its service.
Liberty Home Guard Customer Reviews
As we mentioned above, Liberty Home Guard scores 4.4 stars or better from customers on Google, Trustpilot, and the BBB. We noticed some of these reviews come from service contractors, which makes sense since they’re separate from the company.
Positive Liberty Home Guard reviews from customers show the company pays for claims and resolves them quickly in most cases. Reviewers mention helpful phone agents who take the time to listen to the customer. Service contractors also say Liberty Home Guard is a reliable warranty company to work with.
Negative Liberty Home Guard reviews are less common but they show some issues. Some customers were disappointed when Liberty Home Guard offered low cash values on older appliances. Others took issue with the $50 cancellation fee and having claims paid subtracted from their refund.
Our Top Pick
After reviewing 20 companies, we’ve determined that Liberty Home Guard is our preferred option for home warranties.
- Claims-first warranty company
- Highly ranked by customers
- Two months free with annual payment
- Home inspection isn’t required
- 24/7 customer service
Liberty Home Guard Vs. Competitors
Below, you can see how Liberty Home Guard compares to our other top five picks for home warranties. Overall, Liberty Home Guard has a good cost range and high average customer service scores.
| Company | Covered Items in Best Plan | Per Claim Fee | Monthly Cost Range | BBB Customer Score |
|---|---|---|---|---|
| Liberty Home Guard | $15.00 | $50 to $150 | $49.99 to $59.99 | 4.4 stars |
| Old Republic Home Protection | $25.00 | $100 or $125 | $55 to $80 | 3.4 stars |
| First American Home Warranty | $19.00 | $100 or $125 | $61 to $96 | 1.8 stars |
| Choice Home Warranty | $18.00 | $100 | $46.83 to $54.75 | 1 star |
| AFC Home Warranty | 22 | $75 to $125 | $37.75 to $69.50 | 3.2 stars |
Who Should Buy a Liberty Home Guard Warranty?
Conclusion: Is Liberty Home Guard Worth It?
Liberty Home Guard FAQs
Below are a few frequently asked questions about Liberty Home Guard:
How We Rank Home Warranty Providers
We’ve thoroughly reviewed 20 major home warranty companies on the market to help homeowners decide which ones are best. Our methodology includes the following categories.
- Trustworthiness: We consider how long a company has been in business, along with its BBB rating and accreditation status.
- Coverage: We analyze plan options and what appliances and systems those plans cover. We also consider the variety of optional upgrades a company has. If a company doesn’t offer sample contracts online, it fares worse in this category.
- Pricing: This rating category includes quote data for low- and high-cost plans along with a company’s claim fee options. Companies with below-average rates score better.
- Service flexibility: This rating takes into account the state availability of a company, its cancellation policy, and whether it lets customers choose a technician.
- Customer experience: This category includes customer ratings on the BBB, Trustpilot, and Google. We also look at how customers can get support and how long the company guarantees repairs.
Brogan Woodburn
Advertiser Disclosure: Consumer Review Center might earn compensation from the companies featured on this page. This compensation could affect the placement, order, and visibility of products, but it does not affect the recommendations made by the editorial team. Not every company, product, or offer has been reviewed.
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