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2021 Liberty Home Guard Reviews: Plans, Coverage And Cost

Katie Ziraldo7-minute read

September 13, 2021

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There are few things more miserable than a hot house in the summer. If your air conditioning stops working, you’re probably eager to rectify the situation; however, scheduling and paying for repairs can be both expensive and time-consuming.

This is where a home warranty company steps in. By committing to a home warranty plan ahead of time, you can rest easy knowing your home’s most important appliances and systems are covered.

One of the best-rated home warranty providers is Liberty Home Guard (LHG.) In this article, we’ll explore the different plans available through this provider and share consumer reviews that provide valuable insight into what LHG has to offer.

Liberty Home Guard Overview

LHG is a relatively new company started in 2019, but it has quickly become a leader in its industry, receiving top ratings from both the Better Business Bureau and Consumer Affairs due to its affordable plans, modern claim portal and reliable customer service.

Offering a range of home warranty coverage, LHG has three different home warranty plans and additional optional add-ons to customize your plan to fit your home.

Plans

As mentioned, LHG offers several home warranty plans with various levels of coverage, ranging from basic to comprehensive. These plans include:

  • Appliance Guard: This plan covers primary kitchen and general home appliances including clothes washers and dryers, refrigerators, built-in microwave ovens, dishwashers, garbage disposals, ranges, ovens and cooktops, ceiling and exhaust fans and garage door openers.

  • Systems Guard: This plan covers primary home systems including air conditioning, heating, ductwork, plumbing, electrical and water heaters.

  • Total Home Guard: The most comprehensive of LHG’s coverage, this plan is the combination of the Appliance Guard and Systems Guard plans and covers both home appliances and systems.

Optional Add-Ons

LHG’s home protection plans were designed to cover the appliances and systems that most homeowners need protected. But because everyone’s needs are different, there are also optional add-ons that you can choose to include in your plan if you need special coverage.

These optional add-ons include:

  • Pool and spa
  • Additional spa
  • Sump pump
  • Well pump
  • Central vacuum
  • Septic system pumping
  • Stand-alone freezer
  • Limited roof leak
  • Lighting fixtures
  • Re-key
  • Gutter cleaning
  • Pest control
  • Carpet cleaning
  • Water softner
  • Lawn sprinkler system
  • Electronics protection
  • Swamp cooler
  • Ejector pump
  • Second refrigerator
  • Trash compactor
  • 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

Coverage Comparison

If this is your first time choosing a home warranty plan, having so many options available may make it difficult to determine which plan is right for you. To ensure you select the best coverage options for your home, we recommend walking through and around the home to make a list of everything you need or want covered – then review the coverage comparison chart below.

Item

Appliance Guard

Systems Guard

Total Home Guard

Optional Add-On

Clothes washer

YES

 

YES

 

Clothes dryer

YES

 

YES

 

Refrigerator

YES

 

YES

 

Built-in microwave oven

YES

 

YES

 

Dishwasher

YES

 

YES

 

Garbage disposal

YES

 

YES

 

Range, oven and cooktop

YES

 

YES

 

Ceiling and exhaust fan

YES

 

YES

 

Garage door opener

YES

 

YES

 

Air conditioning

 

YES

YES

 

Heating

 

YES

YES

 

Ductwork

 

YES

YES

 

Plumbing

 

YES

YES

 

Electrical

 

YES

YES

 

Water heater

 

YES

YES

 

Pool and spa

 

 

 

YES

Additional spa

 

 

 

YES

Sump pump

 

 

 

YES

Well pump

 

 

 

YES

Central vacuum

 

 

 

YES

Septic system pumping

 

 

 

YES

Stand-alone freezer

 

 

 

YES

Limited roof leak

 

 

 

YES

Lighting fixtures

 

 

 

YES

Re-key

 

 

 

YES

Gutter cleaning

 

 

 

YES

Pest control

 

 

 

YES

Carpet cleaning

 

 

 

YES

Water softener

 

 

 

YES

Lawn sprinkler system

 

 

 

YES

Electronics protection

 

 

 

YES

Swamp cooler

 

 

 

YES

Ejector pump

 

 

 

YES

Second refrigerator

 

 

 

YES

Trash compactor

 

 

 

YES

Ice maker

 

 

 

YES

Wine cooler/fridge

 

 

 

YES

Saltwater pool

 

 

 

YES

Generator

 

 

 

YES

Plumbing fixtures

 

 

 

YES

Grinder pump

 

 

 

YES

Water dispenser water line

 

 

 

YES

Instant hot water dispenser

 

 

 

YES

Reverse osmosis water filter system

 

 

 

YES

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Cost

When choosing a home warranty plan, it’s important to consider your needs as well as your monthly budget to set your home up for success. The exact home warranty cost through LHG will depend on the plan and optional add-ons you choose as well as your home’s location. Quotes can be requested on the LHG website, but the following are estimates based on a home in Raleigh, North Carolina.

LHG Home Warranty Plan

Cost

Appliance Guard

$39.99 per month

System Guard

$49.99 per month

Total Home Guard

$59.99 per month

It’s important to note that in addition to the cost of a monthly premium, LHG customers are required to pay a service fee of $60 to the contractor at the time of repairs.

Top Liberty Home Guard Reviews

As you search for a comprehensive home warranty plan, one of the best places to look is in customer reviews. These reviews provide valuable insight into the experience real people have had with the company – from choosing a plan, to filing a claim and receiving service. With this in mind, let’s take a look at recent customer reviews from the following sites.

Better Business Bureau (BBB)

LHG is a Better Business Bureau (BBB) -accredited business with an A+ rating. Customers have given the company a rating of 4.63/5 stars and complimented LHG on the simple sign-up process as well as the speed and quality of service. There are 277 reported complaints closed in the last 3 years, with 174 closing in the last 12 months. However, most complaints on the site received a response from the company within a few days, and in some cases the complaint was resolved to the customer’s satisfaction.

In August 2021, one customer compared LHG’s hands-on customer service approach with his former home warranty provider, stating, “Our representative is extremely knowledgeable and professional. It took him just minutes to provide us with an inexpensive and total home warranty solution. What I like thus far about Liberty Home Guard is that our representative provided us with his direct line to answer any questions and/or to initiate claims, when necessary. For this reason alone it's worth the price – my former warranty company provided no direct access to its representatives, and claims were initiated 'online only' – if you happened to need assistance, you could wait on hold for hours.”

Consumer Affairs

LHG also has a 4/5-star rating on Consumer Affairs, and is the site’s top pick for flexible coverage. Consumer Affairs notes that this provider is particularly appealing to first-time home buyers, as its plans are straightforward, affordable and 24/7 customer service is available.

In June 2021, one customer commented on the ease of filing a claim with LHG, explaining, “My latest issue with my air conditioning was immediately escalated, which I appreciated. The customer service rep told me that prioritization of AC claims in the summer is by design in their system. He told me that the founders are former military and intentionally designed the system to intelligently triage claims, especially when volume picks up. And I have to say that Liberty Home Guard’s approach really does seem methodologically rigorous based on my experience. It’s understandable to wait a couple weeks for a new garbage disposal but doing without an AC in the heat is just untenable.”

What We Like About Liberty Home Guard

From affordability to top-notch customer service, there are a number of advantages to choosing LHG as your home warranty provider.

Modern Customer Claim Portal

LHG offers a convenient customer portal, making the process of submitting a claim simple. And because this is a relatively new company, the technology it uses is both modern and intuitive.

In August 2021, a customer gave ARW a 5-star rating on BBB and detailed the speed of the process, writing, “Got very quick response from the time we reported our clothes washer non-operative to the time the repair was done (reported on a Saturday and it was fixed by Monday afternoon) Much better than our last home warranty company!”

Top Rated

LHG has the only A+ rating among home warranty companies from the Better Business Bureau. This is a reflection of the company’s goal to offer affordable, easy-to-understand coverage options, as well as their commitment to high quality customer service.

Affordability

In addition to the overall affordability of their plans, LHG also offers deals and benefits for new customers – including a sign-on deal for $200 off, two months free, free roof coverage and potentially waiving copays, depending on the situation.

In August 2021, a customer gave LHG a 5-star rating on BBB, commenting, “It was easy to set up an account with LHG. The salesperson was very helpful and gave me all the details about their coverage and options to make payments along with some free months:) That made it easier for me to sign up for a longer period of time.”

24/7 Service Calls

LHG also offers 24/7 service calls, making the repair process as quick and easy for customers as possible.

In August 2021, a customer gave LHG a 5-star rating on BBB for the ease of the process, explaining, “Liberty is clearly the best home warranty company I have ever dealt with. I’ve had a home warranty for 30 years. This year I tried Liberty. Not only did they resolve my problem quickly, and hassle-free, they called me to ensure I was satisfied with the repair.”

No Commitment

One of the most unique parts of LHG’s home warranty plans is that they don’t require any sort of formal commitment. Plans can be cancelled at any time, which can’t be said of many other plans on the market. This is a testament to LHG’s confidence in the service they provide.

If you cancel your plan within 30 days of the effective start date, you will receive a full refund minus the cancellation fee of $50. If you cancel after this point, you will receive a prorated refund for the remaining length of your coverage minus the $50 cancellation fee.

Liberty Home Guard Home Warranty FAQs

Is Liberty Home Guard available nationwide?

Liberty Home Guard is available in 45 states, not including California, Illinois, Washington, Wisconsin, Wyoming or the upper peninsula of Michigan.

Does Liberty Home Guard have any coverage limits?

Like its competitors, LHG has coverage limits, meaning the appliances and systems in your home are only covered up to a certain amount. This coverage limit is $1,600 of all covered items, with the exception of the plumbing system, electrical system, pool and spa equipment, well pump and sump pump – all of which are capped at $250 for the first 90 days of coverage and $500 after the first 90 days.

Can I use my own contractor for repairs?

In most cases, LHG customers are unable to choose their own contractor – but this policy is actually in place to ensure a positive experience. LHG is able to save customers money by choosing an LHG Certified Professional for repairs. These contractors are all licensed and come with a 60-day workmanship guarantee.

The Bottom Line

As one of the top-rated home warranty companies, Liberty Home Guard provides valuable peace of mind for homeowners – so you’re not alone when something in your home goes awry. But the best way to protect your home is to prepare ahead of time. Consider the appliances and systems you rely on and choose a home warranty plan that fits your needs.

To better determine which home warranty provider is best for you, we recommend comparing LHG with other top home warranty companies to find a plan that makes the most sense for your home.

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Katie Ziraldo Headshot

Katie Ziraldo

Katie Ziraldo is a writer focused on financial learning for current and future homeowners. She found her love of writing through her experience working with various newspapers, such as the Detroit Free Press. Her financial literacy stems from her four years as a Recruiter, when she learned the details of every role in the mortgage process. As a writer, she uses that knowledge to create relevant content for homeowners to help them reach their goals.