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Liberty Home Guard Review (2021)

Liberty Home Guard is a relatively new company in the home warranty industry, providing service to customers since 2019. The This Old House Reviews Team reviewed the provider’s coverage, plans, pricing, and policy features to see how it stacks up against other home warranty companies. Read our full review below.

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A home warranty protects your major home systems and appliances when they fail due to normal wear and tear and prevents you from paying for expensive repairs or replacements. Liberty Home Guard (LHG) is a new provider in the home warranty business and offers comprehensive home warranty coverage at a competitive price.

In this Liberty Home Guard review, you’ll find information on the benefits and drawbacks of the company’s warranty coverage, pricing, customer reviews, and competitors. Keep reading to determine if Liberty Home Guard is the best home warranty for you.

Liberty Home Guard is offering $150 off, one month free, and free roof leak coverage to This Old House readers. Get a free quote from the company:

Our Take on Liberty Home Guard

We rated Liberty Home Guard a 8.6 out of 10 and named it the ‘Most Trusted’ home warranty company of 2021. Its low service fees, affordable protection plans, positive customer reviews, and B+ rating from the Better Business Bureau make it a worthy investment for homeowners.

Pros and Cons of Liberty Home Guard

Pros Cons
Pros Cons
✔ A+ rating from the BBB ✘ Not available in CA, IL, WA, WY, or WI
✔ 60-day workmanship guarantee ✘ Doesn't allow customers to customize their plans
✔ No contract requirement -

Plans, Coverage, and Pricing of Liberty Home Guard

Liberty Home Guard provides coverage for essential appliances and systems in the home, offering three plans to its customers: Appliance Guard, System Guard, and Total Home Guard.

Appliance Guard covers major appliances like the refrigerator and oven, System Guard protects essential systems like electrical and heating, and Total Home Guard protects both home appliances and systems.

Compare each Liberty Home Guard plan and the items they cover below:

Liberty Home Guard Plans

Item Covered Appliance Guard System Guard Total Home Guard
Item Covered Appliance Guard System Guard Total Home Guard
Clothes washer -
Clothes dryer -
Kitchen refrigerator -
Built-in microwave oven -
Dishwasher -
Garbage disposal -
Range/oven/cooktop -
Ceiling and exhaust fans -
Garage door openers -
Air conditioning -
Heating -
Ductwork -
Plumbing -
Electrical -
Water heater -

Optional Add-Ons

In addition to these home warranty plans, Liberty Home Guard offers optional coverage for 20 items that you can include with any plan:

  • Pool and spa
  • Additional spa
  • Gutter cleaning
  • Floor/carpet cleaning
  • Sump pump
  • Septic system pumping
  • Limited roof leak
  • Pest control
  • Central vacuum
  • Stand alone freezer
  • Re-key
  • Second refrigerator
  • Well pump
  • Fixtures (lighting and plumbing)
  • Water softener
  • Lawn sprinkler system
  • Electronics protection
  • Swamp cooler
  • Ejector pump
  • Grinder pump

You can get pricing for these items when you go to the Liberty Home Guard website and request a free quote.

Liberty Home Guard Plan Pricing

Liberty Home Guard Plan Cost
Liberty Home Guard Plan Cost
Appliance Guard $39.99 per month
System Guard $49.99 per month
Total Home Guard $59.99 per month

Liberty Home Guard pricing will vary depending on where you live, the plan you choose, and the optional coverage you select. When our team looked at pricing in Raleigh, NC, these were the estimates we received.

In addition to each plan’s monthly premium, Liberty Home Guard customers are required to pay a service fee, a one-time payment given to the contractor when they come to your home to repair or replace your broken system or appliance. Liberty Home Guard doesn’t let customers choose their own service fee, but they do offer a competitive service fee at $60 per claim.

State Availability

Liberty Home Guard is available in 45 states nationwide. Unfortunately, service is not available the following states: California, Illinois, Washington, Wisconsin, or Wyoming.

Liberty Home Guard Reviews

Liberty Home Guard has been in business for two years and is accredited with the Better Business Bureau (BBB). The company has earned an A+ rating from the site and has garnered almost five stars from more than 250 BBB customer reviews.

Here are a few Liberty Home Guard reviews from the BBB:

“Daniel helped me feel we had a plan that is A-1! What a feeling of relief! He was pleasant, patient with our zillion questions, and very knowledgeable. Thank you, Liberty Home Guard!!” — P Murakami on 4/27/2020

“Very helpful! Answered all our questions. Informative, knowledgeable, and personable. Not pushy. We got a fantastic deal for our new home. Best experience with a home warranty purchase.” — Tobie W. on 2/11/2020

“Worst company ever! This is my second service call in almost 2 years with them. The first one was for a stove, they said the parts are not available, the stove is 5 years old, case is still pending from March. Not another word from anyone on this. I called a tech and the parts ARE available for this stove. I called on Saturday for my air conditioning, it is now Wednesday & I haven’t heard anything from them!”—Renee D. on 6/9/2021

Note: Businesses pay the BBB for accreditation and are not individually evaluated or endorsed by the BBB. A company’s rating is based on BBB customer complaints and other company information—not customer reviews.

Our Conclusion

The This Old House Reviews Team gives Liberty Home Guard an 8.6 out of 10. Although the company has only been in business for a few years, it has received positive feedback from reviewers on BBB, praising its customer service, and it provides comprehensive coverage at an affordable price.

LHG also launched a new survey module in August 2020 that allows customers and technicians to send feedback directly to the Liberty Home Guard executive team, with the goal of helping the company fine-tune its operations and address issues efficiently.

Get a free quote from Liberty Home Guard:

Compare Liberty Home Guard to other top home warranty providers in the industry:

Compare Home Warranty Companies

Provider Superlative Monthly Cost Service Fee BBB Rating Years in Business States Covered
Provider Superlative Monthly Cost Service Fee BBB Rating Years in Business States Covered
Liberty Home Guard Most Trustworthy $40–$60 $60 A+ 2 years 45 states (Not including CA, IL, WA, WY, WI)
American Home Shield Best Overall $40–$58 $75–$125 B 49 years 49 states (Not including AK)
Choice Home Warranty Best Service $36–$44 $60–85 B 11 years 48 states (Not including CA, WA)
Select Home Warranty Lowest Deductible $36–$38 $60–$75 B 8 years 46 states (Not including NV, NY, WA, WI)
First American Home Warranty Best Value $36–$38 $75 B 35 years 35 states (Not including AL, CT, DE, HI, IL, LA, ME, MA, MN, NH, NJ, NY, ND, RI, VT, WI)
America’s First Choice Home Club Best for Customization $43–$60 $75–$125 B 10 years 46 states (Not including CA, HI, NV, SC)
ServicePlus Home Warranty Best Emergency Service $41–$45 $75–$125 B- 4 45 (Not including CA, IA, NV, NY, or WA)

If you’re not sure if Liberty Home Guard is right for you, we recommend getting quotes from the providers listed above. This way, you’ll be able to compare coverage specifics and pricing and find a home protection plan that best fits within your budget.

To learn more about these companies, read our in-depth company reviews:

Company Information

  • Company name: Liberty Home Guard LLC
  • CEO: David Murphy, Vice President of Customer Relations
  • Years in business: 2
  • Address: 4101 Avenue U
  • City/State: Brooklyn, NY
  • Zip code: 11234-5119
  • BBB rating: A+
For additional information, call Liberty Home Guard at 866-452-9107.

Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations. Our rating system for home warranty providers is on a 100-point scale based on seven factors:

  • Plan options (25)
  • Coverage specifics (5)
  • Pricing (25)
  • Trustworthiness (25)
  • State availability (5)
  • Customer service (10)
  • Additional benefits (5)

Our Reviews Team reviewed 45 companies and we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. Read more on our methodology here.

Our Score Breakdown of Liberty Home Guard

Frequently Asked Questions about Liberty Home Guard

Does Liberty Home Guard cover pre-existing conditions?

According to the sample contract located on Liberty Home Guard’s website, the company only covers items that are installed and in good working order at the start of the contract agreement. The provider doesn’t cover any known or unknown pre-existing conditions. This is normal in the home warranty industry, though some home warranty companies like Super Home Warranty cover pre-existing conditions.

How do home warranties work?

When you sign up for your home warranty, you receive coverage on items that are part of your selected one-year plan. When one of your items breaks down due to normal wear and tear, you can file a claim online or through the phone.

Typically, Liberty Home Guard will send a service technician to your home to assess the issue within 48 hours of calling Liberty and filing a claim. The technician will then recommend a repair or replacement, in which case you’d pay a set service call fee of $60.

How do I cancel my Liberty Home Guard policy?

You can cancel your plan at any time. If you do so within 30 days of the effective start date, you’ll receive a full refund minus a cancellation fee of $50. If you cancel after 30 days, the company will refund you a prorated amount for the remaining length of coverage, minus a $50 cancellation fee and the cost of any claims made.

Do I need a home warranty if I have homeowners insurance?

Homeowners insurance is designed to cover structural damages to your house caused by fires, theft, and other perils, not including floods or earthquakes. We recommend purchasing a home warranty because it adds an additional layer of protection for your home by covering the cost of repairing or replacing your home’s appliances or systems.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.