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Liberty Home Guard: A Guide For 2022

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Published on June 23, 2022
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Liberty Home Guard (LHG) is a home warranty company that provides affordable coverage for home systems and appliances. The firm also competes with other service providers like Choice Home Warranty, Select Home Warranty and First American Home Warranty to offer homeowners solutions that can help them safeguard themselves financially against home repairs and appliance breakdowns.

Let’s look at how Liberty Home Guard home warranty products work, what each plan offers and the costs associated with these options.

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What Is Liberty Home Guard?

Liberty Home Guard offers three home warranty plans that are designed to cover major systems and appliances for homeowners. A home warranty is a form of optional service contract that you can purchase which helps cover the cost to repair or replace various home systems or appliances in the event that they require maintenance or break down.

Liberty Home Guard is based out of New York, is relatively new and serves current and prospective homeowners in 45 states. It’s not available in California, Illinois, Washington, Wisconsin, Wyoming or the upper peninsula of Michigan.

How Does A Liberty Home Guard Warranty Work? 

As a popular home warranty provider, Liberty Home Guard provides optional coverage that you can purchase to help fund the repair or replacement costs of major home systems and appliances when needed. In exchange for this service coverage, you’ll pay a low monthly premium.

There are three Liberty Home Guard home warranty plans which you can purchase in month-to-month, annual or multi-year options (noting that the longer the term of the plan that you purchase, the bigger savings that you stand to receive).

While coverage under Liberty Home Guard doesn’t begin until 30 days after purchase, it does offer plans without home inspections or consideration of the house’s age and offers emergency services 24 hours a day and 7 days a week.

That’s because LHG provides access to a network of certified contractors, whose experienced technicians offer repairs with a 60-day workmanship warranty attached in case further concerns arise. If a home system fails or appliance suddenly quits on you without warning, your Liberty Home Guard home warranty can provide a helpful financial safety net.

Liberty Home Guard Warranty: Plans, Coverage And Cost 

Three Liberty Home Guard home warranty plans are available to homeowners and real estate investors.

Appliances Guard

The LHG Appliances Guard Plan covers most home appliances. A selection of standard and popular items it can help you repair or replace include:

  • Kitchen refrigerators
  • Built-in microwave ovens
  • Dishwashers
  • Garbage disposals
  • Ranges, ovens and cooktops
  • Ceiling and exhaust fans
  • Garage door openers
  • Clothes washers
  • Clothes dryers

Systems Guard

LHG’s Systems Guard plan offers home warranty coverage for major systems in your home. A variety of items covered under its terms include:

  • Air conditioning
  • Heating
  • Ductwork
  • Plumbing
  • Electrical
  • Water heaters

Total Home Guard

Total Home Guard offers the best of both worlds, in that it covers everything in both the Appliance Guard and Systems Guard plans, which span the following items:

  • Kitchen refrigerators
  • Built-in microwave ovens
  • Dishwashers
  • Ranges, ovens, and cooktops
  • Ceiling and exhaust fans
  • Garage door openers
  • Clothes washers
  • Clothes dryers
  • Air conditioning
  • Heating
  • Ductwork
  • Plumbing
  • Electrical
  • Water heaters
  • Garbage disposals

Optional Add-Ons

But wait − that’s not all! As it turns out, you can also purchase optional add-ons under Liberty Home Guard’s coverage plans. A few of many other sample items that you can protect under LHG’s programs include:

  • Pools and spas
  • Septic system pumping
  • Well pumps
  • Sump pumps
  • Ejector pumps
  • Grinder pumps
  • Generators
  • Limited roof leaks
  • Electronics protection
  • Water softener
  • Trash compactors
  • Lawn sprinkler systems
  • Free-standing ice makers
  • Central vacuums
  • Lighting fixtures
  • Plumbing fixtures
  • Wine coolers/fridges
  • Stand-alone freezers
  • In-fridge ice makers

Cost And Pricing

Appliance Guard and Systems Guard plans can be purchased for as little as $1/day, and Total Home Guard plans for as low as $1.50/day. In most cases, LHG plans start around $64.99 per month, with comprehensive coverage averaging out around $69.99 month.

However, to determine the exact price that you can expect to pay, you’ll want to request a quote from Liberty Home Guard, as pricing varies by plan, optional coverage add-ons and the location and size of your home. Note that the standard service fee (paid anytime that you file a claim and described in further detail below) is $125.

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The Pros And Cons Of Liberty Home Guard

As with any form of service contract, Liberty Home Guard home warranty plans come with upsides and downsides attached.

Pros

  • Offers financial coverage should the need for repair or replacement arise
  • Provides homeowners with added peace of mind
  • 60-day guarantee offered on work performed by technicians
  • Several add-on options to pick from
  • No contract commitment required

Cons

  • Coverage is not available in all states
  • Less experienced than other companies in the space
  • Pricing varies by home size and location
  • May not cover all systems or appliances in your home
  • May not cover all forms of expense that you incur

Guidelines And Procedures For Liberty Home Guard

Of course, there are other helpful items to know about working with a Liberty Home Guard home warranty as well.

Claims

Homeowners must file a claim on any appliances or home systems that they wish to be repaired or replaced, which must then be examined and worked on by LGH’s network of technicians.

Service Fees

Anytime a technician comes to your home to repair or replace a home system or appliance, you’ll need to pay them a service fee of $125 for their work.

Repair Times

Once a claim has been submitted, Liberty Home Guard will schedule a service call with its in-network roster of technicians within 24 hours.

Payout Caps

Of course, there are also maximum amounts that LHG will payout on covered claims (payout caps) to consider as well. For instance − limits are $500 on plumbing and electrical systems, and select optional add-ons, and up to $1,600 on HVAC systems and refrigerators. You’ll want to research maximum payout caps for any items in your home, so you know how much that you might have to budget for if these payout limits are exceeded.

Liberty Home Guard Reviews

Liberty Home Guard boasts high marks from the Better Business Bureau (BBB). Here’s an overview of reviews of Liberty Home Guard from a few places.

Better Business Bureau (BBB)

Liberty Home Guard has an A rating with the BBB, with reviews giving the company a 4.63 out of 5 stars. Here are a few points given by the reviewers:

  • Around-the-clock customer service
  • The company’s home warranty plans sometimes cost more than competitors’
  • Relatively high coverage limits, ranging from $500 ­ $2,500.

Consumer Affairs

Liberty Home Guard is an authorized partner with Consumer Affairs and has a 4.1 out of 5 star rating. Reviewers note:

  • Flexible terms and affordable options
  • Not available in all states
  • Straightforward plans and convenient customer experience

U.S. News And World Report

Named the Best Warranty Company of 2022 by U.S. News & World Report, Liberty Home Guard has a rating of 4.2 out of 5 stars. Here are a few things to consider:

  • Liberty Home Guard offers several plans and add-on options
  • Has a 60-day service guarantee
  • You typically can’t choose your own technician with Liberty Home Guard

 

Why We Like Liberty Home Guard

Perhaps you’ve heard the expression “you get what you pay for.” While Liberty Home Guard may be slightly more expensive than other providers in some cases, it also offers more responsive service, more on-call staff, and higher coverage limits in certain instances.

What’s more, a wide range of optional add-on coverage packages also provides homeowners with a more comprehensive range of solutions to pick from. If you’re looking for a dependable, wide-ranging home warranty plan, critics indicate that Liberty Home Guard comes recommended.

How To File A Claim With Liberty Home Guard

Filing a claim with Liberty is as easy as going online to the company’s website or giving it a call via phone. As part of the process, however, LHG will not provide service on home systems or appliances until the service charge has first been paid.

This service call fee is often a small price to pay for the convenience of having a technician out within 24 hours. Extensive customer service options also make it easy to get ahold of a company representative if you need assistance, and to track claims as they as wind their way through the coverage process.

The Bottom Line

A Liberty Home Guard home warranty protects you if major home systems or appliances break down or require repair. Should these pieces of equipment or systems fail, you’ll be able to call on a network of certified technicians who can come out and perform needed repairs or maintenance within 24 hours.

Rather than cross your fingers and hope that appliances or home systems keep running smoothly over the course of several years, a home warranty can provide an added layer of security when sudden, unexpected expenses arise.

To learn more about maintaining your home, visit our Learning Center.

Methodology

Our writers perform in-depth research from various sources that may feature customer reviews and third-party ratings. These sources include – but are not limited to – Better Business Bureau (BBB) and US News And World Report. We take into account company transparency and plan exclusions, as well as pricing, coverage options and any outstanding legal issues. Writers use this research to compose their reviews of each company. 

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Scott Steinberg

Hailed as The Master of Innovation by Fortune magazine, and World’s Leading Business Strategist, award-winning professional speaker Scott Steinberg is among today’s best-known trends experts and futurists. A strategic adviser to four-star generals and a who’s-who of Fortune 500s, he’s the bestselling author of 14 books including Make Change Work for You and FAST >> FORWARD. The CEO of BIZDEV: The Intl. Association for Business Development and Strategic Planning™, his website is www.AKeynoteSpeaker.com.