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Liberty Home Guard Reviews 2023: Plans, Coverage And Cost

December 21, 2023 7-minute read

Author: Ashley Kilroy

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It's a scorching summer day, and your house has become a sweltering sauna because of a busted A/C unit. The situation is frustrating (and sweaty), but you can't afford to get your air conditioning fixed. That's where Liberty Home Guard steps in, sending a qualified technician to you within hours and averting a crisis.

Liberty Home Guard shines brightly among top-tier home warranty companies. With its wide-ranging, customizable coverage and emphasis on customer service, it's no surprise that Liberty Home Guard reviews are overwhelmingly positive. Here are the details on available plans and what you can expect as a customer.

What Is Liberty Home Guard?

Liberty Home Guard (LHG) is a home warranty company that provides protection for all major home systems and appliances, including kitchen and laundry appliances, electrical systems, plumbing, ductwork, and heating and cooling systems. LHG also provides home maintenance services like pest control, gutter cleaning, and rekeying.

The company offers three major home warranty plans offering different levels of coverage. LHG's plan customization is the widest in the industry, allowing you to cover generators, septic systems, and more.

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

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Pros And Cons Of Liberty Home Guard

Here are the advantages and disadvantages of purchasing a home warranty policy from LHG:

Pros

  • Modern customer claim portal: LHG offers a convenient customer portal, making submitting a claim simple. Its platform is modern and intuitive.
  • Top-rated company: LHG has an A+ rating from the Better Business Bureau, reflecting the company's affordable, easy-to-understand coverage options and 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, like a sign-on deal for $200 off, two months free, free roof coverage, and potentially waiving copays, depending on the situation.
  • 24/7 service calls: LHG also offers 24/7 service calls, making the repair process as quick and easy for customers as possible.
  • No commitment: Customers can cancel their plans anytime, a unique feature in the home warranty market. 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.
  • Wide range of add-ons: Customers can add any belonging or item to their warranty.
  • Certified technicians: LHG vets each technician to guarantee the quality of work performed.
  • Work guarantee: LHG provides a 60-day guarantee on all repairs.

Cons

  • No contractor options: Customers can’t use a contractor of their choice and must use an LHG-selected technician.
  • Coverage can be spotty: Outside of your basic systems and appliances, your coverage depends on your add-ons and the company’s offerings. In addition, some features of your home are ineligible for coverage, such as fireplaces.
  • Payout caps: There are maximums that LHG will pay for covered claims. For example, plumbing and electrical systems have a payout cap of $500. In addition, the cap is $1,600 for HVAC systems and refrigerators. As a result, you'll have to pay out of pocket if you exceed the payout cap for a specific item or system.
  • Murky pricing system: LHG doesn’t have a universal rate calculation. So, you won’t receive a straightforward flat rate. Instead, the company considers your location, home size and possessions when calculating your premium.

Liberty Home Guard Coverage Options

LHG has three coverage options. Each one offers a different range of coverage, as you can see below:

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 packages, this plan combines the Appliance Guard and Systems Guard plans and covers both home appliances and systems.

Optional Add-Ons

HG's three home protection plans offer sufficient coverage for most homeowners. However, everyone's needs are different, so you can select optional add-ons 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 softener
  • 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

Cost Of Liberty Home Guard

Appliance Guard and Systems Guard prices can be as little as $1/day, and Total Home Guard plans can be as low as $1.50/day. However, getting a quote from LHG is the only way to know your exact home warranty cost because pricing varies by plan, coverage add-ons, location, and size of your home. In addition, a standard service fee of $80 to $125 applies when you file a claim.

Top Liberty Home Guard Reviews 

As you search for a comprehensive home warranty plan, Liberty Home Guard reviews from customers are among the best places to look. These reviews provide valuable insight into real people's experiences with the company – from choosing a plan to filing a claim and receiving service. With this in mind, here are recent customer reviews from the following sites.

Better Business Bureau (BBB)

LHG is a Better Business Bureau (BBB) -accredited business with an A+ rating. On the BBB's website, over 1,900 customers have given the company an average rating of 4.59/5 stars and complimented LHG on the simple sign-up process and the speed and quality of service. The website has compiled 656 reported complaints closed in the last 3 years, and LHG has addressed closed 297 of them 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, LHG resolved the complaint to the customer's satisfaction.

In February 2023, one customer shared her experience with a faulty A/C system: "I had a problem with my air conditioning system - it was not cooling. And I urgently needed help. When I called in, I was connected with a really nice representative who explained the situation and was able to get the repair done by my contractor approved in full the same day. My air conditioning works perfectly well now and the process with Liberty allowing me to use my technician was seamless."

Consumer Affairs 

LHG also has a 4.1/5-star rating on Consumer Affairs, with the website highlighting the company's customizable plans and overall affordability. Consumer Affairs notes that this provider particularly appeals to first-time home buyers, as its plans are straightforward and affordable, and 24/7 customer service is available.

In February 2023, one customer commented on their positive experience with LHG: "I really liked what the rep had to say and their pricing. I also liked the customer service aspect and how he dealt with me. I also liked that I could use a contractor they set forth or my own contractor. I asked the rep about a longer plan and he said they didn't do those. But he called me back and said that he brought it up to his superior and they decided to make the plan a little longer for us. We were happy about that. That way, we didn't have to worry about it year after year.

“Submitting a claim was really easy. I just gave the rep my information and someone got in touch with me that day and set up an appointment. I was very pleased with both the tech for the washing machine and the one for the plumbing issue. The plumber even asked if they could check to make sure there was no issue with something else. He checked for a leak and but he couldn't find one. It was very good that he did that. I was very happy."

FAQs About The Liberty Home Guard Warranty 

These frequently asked questions can help clarify crucial topics regarding LHG’s offerings.

Is Liberty Home Guard available nationwide?

Liberty Home Guard has expanded its operations to all 50 states and the District of Columbia. So, Americans from every region in the United States can purchase a home warranty from the company.

Does Liberty Home Guard have any coverage limits?

Like its competitors, LHG has coverage limits, so it covers your appliances and systems up to a specific amount. This coverage limit is $1,600 for all covered items except the plumbing system, electrical system, pool and spa equipment, well pump, and sump pump. These 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 with Liberty Home Guard?

In most cases, LHG customers cannot choose their own contractor – but this policy is in place to facilitate a positive experience. LHG saves customers money by choosing an LHG Certified Professional for repairs. These contractors are licensed and come with a 60-day workmanship guarantee.

How does home warranty differ from homeowners insurance?

Homeowners insurance primarily covers damage or loss of the structure of the home and personal belongings due to specific events such as fire, theft, or natural disasters. It is usually required by mortgage lenders and includes liability coverage for injuries that occur on the property. On the other hand, a home warranty is an optional service contract that covers repairing or replacing major home systems and appliances due to normal wear and tear. This contract includes items like HVAC systems, plumbing, electrical systems, and kitchen appliances.

Should I get Liberty Home Guard?

A home warranty from Liberty Home Guard is recommended for first-time homeowners less skilled at home maintenance and older homes with aging systems and appliances. In addition, budget-conscious homeowners can use a warranty to put a predictable monthly expense into place and avoid unexpected high repair costs. Lastly, LHG's customizable coverage is excellent for homeowners with items not eligible for coverage from other home warranty companies.

The Bottom Line

Liberty Home Guard (LHG) is a reputable home warranty company that offers comprehensive coverage for major home systems and appliances. LHG stands out in the industry due to its customizable plans, affordable pricing, and reliable customer service. The company has received top ratings from the Better Business Bureau and Consumer Affairs due to its commitment to customer satisfaction.

While LHG provides a modern customer claim portal, 24/7 service calls, and the option to cancel plans without commitment, drawbacks include the requirement to use LHG-selected technicians and coverage caps for specific items. Overall, LHG provides a wide range of coverage options and optional add-ons to suit various homeowner needs. If you’re not a homeowner yet and are ready to take the first steps in your journey, start the mortgage approval process today.

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Headshot Ashley Kilroy

Ashley Kilroy

Ashley Kilroy is an experienced financial writer. In addition to being a contributing writer at Rocket Homes, she writes for solo entrepreneurs as well as for Fortune 500 companies. Ashley is a finance graduate of the University of Cincinnati. When she isn’t helping people understand their finances, you may find Ashley cage diving with great whites or on safari in South Africa.