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Liberty Home Guard Review (2024)

Author Icon Written by Dana Getz + 1 other Reviewer Icon Reviewed by Jacquelyn Kfoury Updated 03/28/2024

Liberty Home Guard (LHG) tops our list of best home warranty companies due to its excellent coverage limits and extensive customization options. The company offers $2,000 for most essential appliances and systems, plus 42 add-on options to cover unique home items and services. However, Liberty’s add-on maximum coverage caps fall short compared to many other home warranty providers. The company also doesn’t offer service call fee flexibility, limiting your pricing customization options. 

Despite these limitations, LHG is a cost-friendly home warranty company backed by the highest customer scores we’ve seen from any home warranty provider. Determine whether it’s the right choice for your home with our in-depth review.

*Editor’s Note: This review was updated on February 26, 2024 with our consumer survey data, competitor comparison details, and added insights from industry experts.

Liberty Home Guard
4.5
Phone: 866-452-9107
BBB Rating: NR
Monthly Cost: $49–$59
Service Fee: $65–$125
Liberty Home Guard stands out due to its high customer review ratings
Pros
  • 42 unique add-on options
  • 60-day workmanship guarantee
  • High customer review scores
Cons
  • Lack of service fee transparency
  • Low plumbing and electrical coverage caps
  • Lower add-on caps
  • Monthly cost: $49–$59
  • Service fee: $65–$125
  • BBB rating: NR
  • Plan options: Three (Appliance Guard, System Guard, Total Home Guard)
  • Known for: Best Customer Ratings
  • Appliance Guard: Covers built-in systems such as air conditioning, heating, and electrical.  
  • System Guard: Covers major appliances such as clothes washers and dryers, kitchen refrigerators, and ovens. 
  • Total Home Guard: Covers all the appliances and built-in systems included in the Appliance Guard and System Guard plans.
  • $2,000 for all major appliances and home systems
  • $500 for each add-on
  • Limits coverage to $250 within first 90 days for electrical and plumbing and increases to $500 after 90 days

Our Take on Liberty Home Guard

Compared to other home warranty providers, LHG stands out for its excellent customer support, extensive add-on catalog, and solid coverage limits. The company offers $2,000 for most coverage items, whereas some providers offer $500 limits. It also provides three affordable coverage plans tailored for specialized or comprehensive coverage.

LHG’s catalog of more than 40 add-ons is about four times bigger than most competitors. While its limit for covered add-on items is $500, lower than some competitors offering $1,000 or more for similar coverage, LHG distinguishes itself by providing unique coverage protections not found with other companies. The company also provides peace of mind with its 60-day workmanship guarantee on repairs—double the industry standard of 30 days.

In online reviews, customers praised LHG’s exceptional service technicians and quick response times. However, LHG falls short with some of its policies and exclusions. The company doesn’t reveal its service call fee when a quote is requested. The sample contract can be hard to navigate and offers vague details for some policies. Additionally, some customer reviews cited lower payouts and reimbursements due to overlooked fine print and loopholes. 


Pros and Cons of Liberty Home Guard

Liberty Home Guard offers competitive pricing and countless customizable add-ons. A key benefit is its lengthy workmanship guarantee, twice the industry standard. However, some drawbacks are lower-than-average coverage limits for crucial systems and an inflexible service call fee policy.

Pros
Offers up to 42 unique add-on coverage options, around four times more than competitors
Offers up to 42 unique add-on coverage options, around four times more than competitors
Prioritizes customer satisfaction with its 24/7 live chat, a feature most competitors lack
Cons
Doesn’t disclose service call fees when requesting a quote
Provides unclear coverage details in its sample contract
Offers $500 add-on caps, which is lower than some competitors

How We Rated Liberty Home Guard

We evaluated Liberty Home Guard based on key homeowner priorities using our detailed review standards. LHG achieved a 4.5 out of 5-star rating based on points received in each category. Here’s a breakdown of LHG’s performance in each category:

Coverage
4.7 / 5
4.7 / 5
Value
4.25 / 5
4.25 / 5
Trustworthiness and Transparency
4.8 / 5
4.8 / 5
Availability and Service
4.3 / 5
4.3 / 5
  • Coverage: This category evaluates coverage based on essential and unique item inclusion and coverage caps that meet or exceed the $2,000 industry standard. LHG plans include a $2,000 cap for most covered items.
  • Value: Providers earn points by offering affordable premiums, service fees, additional annual discounts, and flexible fee options. LHG lost points for assigning its service fees, which limits pricing customization. 
  • Trustworthiness and transparency: This category scores companies based on several factors, such as brand reputation, sample contract availability, and workmanship guarantee. LHG maintains an average 4.5-star score on multiple review sites and offers a 60-day workmanship guarantee, twice the industry standard. 
  • Availability and service: Companies that offer several claim submission methods, efficient processing timelines, and service technician flexibility score well in this category. LHG scored lower due to its 48-hour claims processing time line and inflexible service technician policy.

Our Home Warranty Experts

We sought advice from two experts to improve our home warranty research, including provider and shopping insights.

Shannon Feick: Feick is the co-owner and co-founder of ASAP Properties, a home-buying real estate company.
Jennifer Spinelli: Spinelli is the founder & CEO of Watson Buys, a real estate investment company.

What Plans and Coverage Does Liberty Home Guard Offer?

Liberty Home Guard covers essential home appliances and systems under three home warranty plans: Appliance Guard, System Guard, and Total Home Guard. It’s one of the few companies to offer its plans in all 50 states. We reviewed LHG’s sample contract to verify its coverage. However, it took some searching to find all of the coverage details. The sample contract isn’t as readable as other competitors. According to the LHG representative we spoke with, you don’t need a home inspection before obtaining coverage.

Our 2024 survey of 1,000 home warranty customers revealed that electric and plumbing systems ranked among the top six systems for which homeowners purchased coverage. If you require extensive coverage for these crucial systems, LHG might not be the ideal provider.

  • Appliance Guard: This plan covers nine major appliances, such as refrigerators and ovens. 
  • System Guard: This system-only plan protects six essential systems, such as electrical and HVAC.
  • Total Home Guard: This comprehensive plan covers 15 home appliances and systems.

Compare each Liberty Home Guard plan in detail below:

Item CoveredAppliance GuardSystem GuardTotal 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

Having access to LHG’s large add-on catalog helps homeowners get more from their home warranty plans. Spinelli says these additional services allow customers to tailor their coverage according to their unique requirements and budget constraints.

Pricing ranges from $3.99–$35.99, which is midrange compared to other providers. Coverage options include professional appliances, outdoor installations, and home maintenance services. 

During our secret-shopping review process, we found LHG’s online quote tool lists the most common add-ons customers purchase in your state. This can help you determine any additional coverage you might need specific to your area. We haven’t found this type of recommendation in any other home warranty quote tool. The company includes a $500 limit for its add-ons, less than other providers.   

Here is a full list of LHG’s add-ons:

  • Ejector pump
  • Grinder pump
  • Plumbing fixtures
  • Septic system pumping
  • Sump pump
  • Swamp cooler
  • Well pump
  • Central vacuum
  • Freestanding ice maker
  • In-fridge ice maker
  • Instant hot water dispenser
  • Pro-series clothes dryer 
  • Pro-series dishwasher 
  • Pro-series microwave
  • Pro-series range/oven/cooktop 
  • Pro-series refrigerator 
  • Pro-series stand-alone freezer
  • Pro-series washing machine
  • Reverse osmosis water filter system
  • Second refrigerator
  • Stand-alone freezer
  • Trash compactor
  • Water dispenser water line
  • Water softener
  • Wine cooler/fridge
  • Additional spa
  • Casita guest unit
  • Generator
  • Lawn sprinkler system
  • Pool and spa
  • Saltwater pool
  • Carpet cleaning
  • Exterior flooring power washing
  • Gutter cleaning
  • Limited roof leak
  • Pest control
  • Rekey services
  • Window washing/cleaning
  • Electronics protection
  • Lighting fixtures
  • TV Mounting (up to 65-inch TVs)
  • TV Mounting (up to 85-inch TVs)

Why Would Liberty Home Guard Deny My Claim?

Liberty Home Guard has many standard exclusions that other home warranty companies list in their fine print. For example, LHG doesn’t cover systems and appliances located on commercial property. It also excludes coverage for items with preexisting conditions, damage caused by mold or improper installation, tampering, and improper maintenance. The company’s sample contract specifies that it may require complete maintenance records for your systems and appliances when you file a claim. We recommend performing annual maintenance on your systems and appliances and keeping records of any servicing. 

After analyzing dozens of customer reviews from various third-party review sites, we discovered many customers had their claims rejected by Liberty Home Guard due to specific item exclusions. Although the company covers 15 appliances and systems, certain parts can be excluded from coverage. For example, while LHG does cover air conditioning units, it excludes leaks of any kind. We recommend reviewing LHG’s sample contract for more information on the company’s exact terms and exclusions.


How Much Does Liberty Home Guard Cost?

Liberty Home Guard offers similar pricing for its plans throughout the country. Appliance Guard costs $49.99 monthly, and System Guard costs $54.99 monthly. This pricing is average for these specialized plan types. Its comprehensive plan, Total Home Guard, costs $59.99 per month, lower than other competitors. This pricing doesn’t include additional add-ons. Our survey revealed that homeowners pay an average of $89 per month for their home warranty plan. Even LHG’s most comprehensive plan falls below this average, making it a cost-effective option.

The company offers monthly and annual premium rates. We could choose up to five years of coverage for our sample quote, which is longer than other providers we’ve reviewed. Each annual plan comes with a few free months of service for new customers. For example, a one-year plan includes two months of free service, while a five-year plan offers six complementary months. 

We’ve outlined LHG pricing and coverage caps below:

Plan

Monthly Cost*

Service Fee

Coverage Cap

Appliance Guard

$49.99

$65–$125

$2,000

Systems Guard

$54.99

$65–$125

$2,000 (Plumbing and electrical: $500)

Total Home Guard

$59.99

$65–$125

Coverage caps remain the same

*We based the pricing information in this section on a sample for a 2,345-square-foot, single-family home in Scottsdale, Arizona. 

What Is the Liberty Home Guard Service Call Fee?

Liberty Home Guard offers a service call fee between $65 and $125 per claim. The service call fee is a payment the contractor receives each time they come to your home to repair or replace a broken item. 

Liberty Home Guard doesn’t disclose its service call fee when you request a quote or let you choose your service fee. Other home warranty providers offer two or more set service fee options for better pricing customization. They also provide these options in their online sample quote up-front. When we spoke to an LHG representative, we learned that the service call fee depends on your chosen plan and your home’s location. Variable rates by location is likely because some areas, such as New York City, have much higher rates for service contractors.


Liberty Home Guard Mobile App

Liberty Home Guard is one of the few companies to offer a dedicated app with its service. This app is available for Android and Apple devices. It allows you to access details about your policy and troubleshooting details and guides. You can also submit claims and check on their status in real time. The app offers several communication options to connect with service technicians and LHG’s live chat service. Additional benefits include payment processing and notification for policy changes, plan renewals, and upcoming appointments. 


How Do I File a Claim with Liberty Home Guard?

Liberty Home Guard makes the claim filing process easy with several claim submission options and ways to track your progress. We’ve outlined the claim filing process below:

  1. Submit your claim: You can initiate the claim process online, over the phone, or through the app. You cannot use the live chat feature for claim submission. When online, you must first log into the Liberty Home Guard Portal to begin the process. With the app, you log in and choose the “File A Claim” option. You can also call (866)761-1853 for claim filing. Liberty Home Guard accepts claims 24 hours a day, seven days a week. We noted that the company requires immediate claims filing once you detect an issue with your system or appliance. 
  2. Get a technician assigned: After submitting our claim, LHG can take up to 48 hours to process your claim and assign a local technician. The company maintains a network of independent technicians across the country. An LHG representative will work with you to set a service appointment. If it cannot find a nearby technician from its network, the company lets you select your own. LHG will not be liable for any cost incurred without prior consent for diagnosis, repair, or replacement.
  3. Complete your repair: The technician will arrive on the selected appointment date and complete the repairs or replacement. We recommend being on-site for your appointment to ensure all work is done properly and to ask the technician any questions. Once completed, you will pay the service call fee to the technician. In the sample contract, Liberty states that the service call fee is for one covered item per visit. You will be charged a separate fee if you have another covered item needing repair. LHG also states you could receive a cash reimbursement if an item cannot be repaired or replaced.

Liberty Home Guard Reviews: Reddit, BBB, and More

To better understand the customer experience with LHG, we have analyzed dozens of third-party reviews from various sources, such as the BBB, Reddit, TrustPilot, and Best Company. Our customer review analysis revealed mixed reviews of the company’s services. Many homeowners praised LHG for its efficient claims process, while some expressed dissatisfaction with their final claims payouts. 

We have compiled our findings below.

What Homeowners Like

Homeowners praised the company’s professionalism, friendly staff, and helpful technicians. 
  • Quick claims processing: Homeowners complimented the company’s efficient claims processing, with some reviewers stating their claims were processed within 24 hours.  
  • Helpful and friendly staff: Customers expressed gratitude for the knowledgeable and friendly staff, which included customer support and service technicians. 
  • High-quality technicians: Consumers also praised LHG’s technicians, saying they were efficient and maintained constant communication throughout the process. 

What Homeowners Dislike

Despite the many positive reviews, some homeowners expressed displeasure with their denied claims, low payouts, and reimbursements based on depreciated value.
  • Denied claims: Several homeowners had their claims denied for various reasons, such as item exclusions, depreciated value, and other contract “loopholes.”
  • Unexpectedly low payout: Some homeowners noted their payouts were less than expected, falling well below the $2,000 coverage cap. 
  • Depreciation value clause: Several customers called out the company’s “hidden” book value disclaimer, which reduces payout based on an item’s age, resulting in substantially smaller reimbursements. 

The BBB recently updated Liberty Home Guard’s rating to NR (or “not rated”), which means the company’s business profile is being re-evaluated. The organization also added a Pattern of Complaints alert in March 2024. According to the notice, LHG has received increased complaints since 2023 regarding “the claims process, customer service, and sales tactics.”

The BBB contacted LHG on March 11 to request cooperation in resolving these complaints. Liberty responded on March 12 and said that “new software upgrades are currently being deployed which are intended to facilitate the communication regarding the scheduling of technician appointments and streamlining the claims process. In addition, the company reports that it is increasing its customer service headcount, and augmenting the training sessions and oversight for its sales representatives.”

We contacted LHG regarding this issue, and the company provided the following statement:

“Despite the BBB’s alert, our customer satisfaction levels remain by far the highest relative to our scale. Last month, we had the lowest percentage of customer cancellation requests in our entire history. On the BBB’s own platform, Liberty Home Guard has achieved a star rating of 4.5 out of 5 from nearly 2,500 reviews. For added context, the approximately 480 resolved complaints on Liberty Home Guard’s BBB profile equate to an extremely low fraction of a percentage relative to the size and scale of our total customer base. As we navigate this situation, which we believe will be resolved in time, we want to assure you that we remain committed to our customers and their satisfaction; they are the key stakeholders we orient all our efforts around.”

Average Customer Rating

Despite LHG’s current BBB alert, the company maintains consistently high scores across several third-party review sites. The company has 4.5 out 5 stars on the BBB, 4.7 out of 5 stars on Trustpilot, and 4.3 out of 5 stars on Best Company. It’s rare for a home warranty company to maintain such a good rating across several sites. (For example, American Home Shield holds a 2.12 on the BBB, 4.0 with Best Company, and 2.2 with Trustpilot.) LHG’s consistent review scores reflect the company’s commitment to exceptional customer support and generally positive customer experiences. 

Customer Reviews

Here’s a sampling of positive and negative reviews for Liberty Home Guard:

BBB
Trustpilot
Best Company

Positive Reviews

Ability to hire your own technician
“I had both toilets stopped up, and I was going into Thanksgiving weekend. Since LHG could not send a technician until the following Monday, they offered me the option of hiring someone myself. They said that they would reimburse me for any costs. It took some exchange of emails and phone calls, but they finally sent a check for the full amount of $394.00 that I had to spend. I am very satisfied.”
— Rebecca W., Dec. 30, 2023, on BBB
Above-and-beyond customer service
“The service person I worked with on my last claim was so polite, knowledgeable and helpful. Liberty Home Guard does seem to have a high quality of contractors. He gave us tips for maintaining our dryer and washer and most importantly was able to fully repair it. Luke from Liberty Home Guard’s customer service team also did exquisite work prioritizing my appointment so we were able to resolve this in two days. Thanks for being so quick, I appreciate it a lot. Thank you for being so dependable.” 
— Austin C., Nov  2023, on Best Company
Fair pricing and coverage
“Happy with the sales person I spoke with. Answered all my questions. They have multiple quotes which can save you money and seem very flexible in their plans. Reviews that I read were positive about their service and reliability. Compared to other companies I checked out, Liberty is comparable in price and coverage, although seem better in their limits on coverage. They assured me they have numerous service agents in my area so that should not be a problem. I am hopeful that Liberty Home Guard will live up to my expectations!”
— Tamara R., Dec. 5, 2023, on BBB

Negative Reviews

Frustrating claims process
“Please do not trust this company. They make you struggle through your claim and want to only offer you very little money for your appliance, where they are supposed to replace your appliance if they cannot fix it. I went through hours and hours of frustration and ended up wasting my money and time. They offered me only $100 for my washer and dryer, said it was too old to replace it. What is the point of this warranty then?”
— Sid M., Jan. 19, 2024, on BBB
Unexpected fees
“Switched over from Old Republic. Regret that decision! You pay for a warranty and all you’re ever told is it’s too old and they can’t do anything. Try to cancel and you get told there are so many fees to cancel you wouldn’t receive a refund. Worst company to use. Do not use!”
— Tashia S., Dec. 27, 2023, on BBB
Faulty coverage
“My AC went out and instead of subsidizing a new AC based on the warranty agreement, they refused to comply and offered me much less. I have already reported them to the BBB and state attorney general. They refuse to comply with the agreement.”
— Santo R., Aug 2023, on Best Company

Positive Reviews

“I had both toilets stopped up, and I was going into Thanksgiving weekend. Since LHG could not send a technician until the following Monday, they offered me the option of hiring someone myself. They said that they would reimburse me for any costs. It took some exchange of emails and phone calls, but they finally sent a check for the full amount of $394.00 that I had to spend. I am very satisfied.” — Rebecca W., Dec. 30, 2023, on BBB

“The service person I worked with on my last claim was so polite, knowledgeable and helpful. Liberty Home Guard does seem to have a high quality of contractors. He gave us tips for maintaining our dryer and washer and most importantly was able to fully repair it. Luke from Liberty Home Guard’s customer service team also did exquisite work prioritizing my appointment so we were able to resolve this in two days. Thanks for being so quick, I appreciate it a lot. Thank you for being so dependable.” — Austin C., Nov  2023, on Best Company

“Happy with the sales person I spoke with. Answered all my questions. They have multiple quotes which can save you money and seem very flexible in their plans. Reviews that I read were positive about their service and reliability. Compared to other companies I checked out, Liberty is comparable in price and coverage, although seem better in their limits on coverage. They assured me they have numerous service agents in my area so that should not be a problem. I am hopeful that Liberty Home Guard will live up to my expectations!” — Tamara R., Dec. 5, 2023, on BBB

Negative Reviews

“Please do not trust this company. They make you struggle through your claim and want to only offer you very little money for your appliance, where they are supposed to replace your appliance if they cannot fix it. I went through hours and hours of frustration and ended up wasting my money and time. They offered me only $100 for my washer and dryer, said it was too old to replace it. What is the point of this warranty then?” — Sid M., Jan. 19, 2024, on BBB

“Switched over from Old Republic. Regret that decision! You pay for a warranty and all you’re ever told is it’s too old and they can’t do anything. Try to cancel and you get told there are so many fees to cancel you wouldn’t receive a refund. Worst company to use. Do not use!” — Tashia S., Dec. 27, 2023, on BBB

“My AC went out and instead of subsidizing a new AC based on the warranty agreement, they refused to comply and offered me much less. I have already reported them to the BBB and state attorney general. They refuse to comply with the agreement.” — Santo R., Aug 2023, on Best Company

After reading through multiple Reddit posts, we discovered that several customers had to hire their own contractors due to limited in-network technicians in their area. They also mentioned how challenging it was to receive compensation for these repairs because LHG caused delays in repaying them after they had provided proof of the technician’s work.

We recommend reading sample contracts and quotes thoroughly to verify the provider’s exact coverage limits, exclusions, including age of the appliance or system, and policies. If you’re unclear about any terms, reach out to the customer support team for further clarification. You should also confirm technician availability in your area to avoid repair delays.


Liberty Home Guard vs. Competitors

We’ve provided a side-by-side comparison with Liberty Home Guard and other leading home warranty companies below. We’ve also included a detailed comparison against two prominent home warranty providers: American Home Shield and Select Home Warranty.

Company BBB Rating Monthly Cost Service Fee Visit Site
NR $49–$59 $65–$125 VISIT SITE
B $29–$89 $100–$125 VISIT SITE
B $44–$47 $60–$75 VISIT SITE
B $38–$64 $75–$125 VISIT SITE
B $42–$82 $75–$125 VISIT SITE
A+ $44–$58 $70 VISIT SITE
B+ $30–$56 $100–$150 VISIT SITE
A $27–$70 $65–$100 VISIT SITE
No results were found.
Monthly Cost Service Fee Response Time BBB Rating Link
Liberty Home Guard Liberty Home Guard $49–$59 $65–$125 Up to 48 hours NR VISIT SITE
American Home Shield American Home Shield $29–$89 $100–$125 Up to 48 hours B VISIT SITE
Elite Home Warranty Elite Home Warranty $44–$58 $70 Up to 48 hours A+ VISIT SITE
Select Home Warranty Select Home Warranty $44–$47 $60–$75 48-84 hours B VISIT SITE
AFC Home Warranty AFC Home Warranty $38–$64 $75–$125 24-48 hours B VISIT SITE
First American Home Warranty First American Home Warranty $42–$82 $75–$125 4-48 hours B VISIT SITE
Cinch Home Services Cinch Home Services $30–$56 $100–$150 2-24 hours B+ VISIT SITE
2-10 Home Buyers Warranty 2-10 Home Buyers Warranty $27–$70 $65–$100 Up to 48 hours A VISIT SITE
Liberty Home Guard
Logo Liberty Home Guard
Monthly Cost $49–$59
Service Fee $65–$125
Response Time Up to 48 hours
BBB Rating NR
VISIT SITE
American Home Shield
Logo American Home Shield
Monthly Cost $29–$89
Service Fee $100–$125
Response Time Up to 48 hours
BBB Rating B
VISIT SITE
Elite Home Warranty
Logo Elite Home Warranty
Monthly Cost $44–$58
Service Fee $70
Response Time Up to 48 hours
BBB Rating A+
VISIT SITE
Select Home Warranty
Logo Select Home Warranty
Monthly Cost $44–$47
Service Fee $60–$75
Response Time 48-84 hours
BBB Rating B
VISIT SITE
AFC Home Warranty
Logo AFC Home Warranty
Monthly Cost $38–$64
Service Fee $75–$125
Response Time 24-48 hours
BBB Rating B
VISIT SITE
First American Home Warranty
Logo First American Home Warranty
Monthly Cost $42–$82
Service Fee $75–$125
Response Time 4-48 hours
BBB Rating B
VISIT SITE
Cinch Home Services
Logo Cinch Home Services
Monthly Cost $30–$56
Service Fee $100–$150
Response Time 2-24 hours
BBB Rating B+
VISIT SITE
2-10 Home Buyers Warranty
Logo 2-10 Home Buyers Warranty
Monthly Cost $27–$70
Service Fee $65–$100
Response Time Up to 48 hours
BBB Rating A
VISIT SITE

*BBB ratings are accurate as of February 2024

**We based the pricing information in this section on a sample for a 2,020-square-foot, single-family home in Scottsdale, Arizona.

Liberty Home Guard vs. American Home Shield

American Home Shield (AHS) offers better coverage in terms of limits and protections when compared to LHG. AHS offers generous coverage caps, with some systems receiving unlimited coverage and appliance coverage for up to $4,000 on its highest plan. AHS includes coverage for unknown preexisting conditions and physically damaged items, protections that LHS lacks. In addition, our sample quote included two set service call fees, making it easier to customize our monthly premiums. 

However, AHS charges more for its comprehensive plans and lacks an appliance-only coverage option. The company also has a limited add-on catalog, offering only six options. AHS makes an excellent choice for homeowners with older homes that have older systems and appliances. 
Learn more:Liberty Home Guard vs. American Home Shield

Liberty Home Guard vs. Select Home Warranty

Select Home Warranty offers a competitive advantage with its affordability, keeping all of its plans remaining under $50 per month. The company makes a great option for homeowners needing a more affordable home warranty. The company also assigns its service call fees, but they fall between $60 and $75, lower than LHG’s range. 

The trade-off for affordability is a decline in overall protection. Select’s coverage limits are limited to $500 for its item, matching LHG’s plumbing and electrical caps. However, LHG offers better value with its $2,000 cap on all other items. In addition, Select only offers nine add-on options with a lower $400 limit. 


How To Choose a Home Warranty

While shopping for the right home warranty provider, keep these steps in mind. 

  1. Assess your coverage needs: Determine which appliances and systems you need coverage for before choosing a company. You should consider your item’s age, current item condition, and additional add-on needs. 
  2. Set your budget: Based on your coverage, set a reasonable budget for your home warranty costs. You should include add-on costs and service call fees in your cost range. 
  3. Request multiple quotes: Request quotes from at least three companies to determine the best plan options. 
  4. Review sample contracts: Read through service contracts and look for details on coverage limits, exclusion, and depreciation policies. Frick also recommends checking the company’s website for details about their technicians’ qualifications or reaching out to customer support to ask about their network verification process.
  5. Research each company: Take the time to reach potential companies on the BBB and other third-party review sites to determine brand reputation and customer experience.

Home Warranty Cost Calculator

We created a calculator to break down the estimated annual cost of owning a home warranty. 

To calculate your projected annual cost, use the following steps:

  1. Enter your monthly premium
  2. Enter your service call fee
  3. Enter your estimated number of claims 

It’s best to request a quote directly from one of our recommended providers, as annual costs and service fees vary between them.

Use the table below to compare your calculated cost to repair and replacement costs for common appliances.*

ApplianceAverage Repair CostAverage Replacement Cost
Dehumidifier$50–$200$1,300–$2,800
Microwave$50–$400$60–$2,000
Dishwasher$50–$500$400–$3,000
Exhaust Fans$16–$300$250–$950
Electric Range$100–$500$230–$3,000
Gas Range$100–$500$230–$3,000
Dryer$100–$400$450–$2,300
Oven$100–$430$400–$3,000
Washer$50–$450$400–$2,300
Freezer$90–$500$160–$2,900
Refrigerator$40–$350$200–$5,000

*Life span and repair cost data sourced from InterNACHI and Home Depot.


What’s Our Verdict on Liberty Home Guard?

We recommend Liberty Home Guard for homeowners who need more specialized coverage options and solid protection for newer items. The company offers affordable plans with industry-standard coverage for most items. Its larger add-on catalog offers extended protection options for your home. Although many customers praise its friendly and efficient customer service, some homeowners felt underwhelmed by their lower claim payouts. We recommend thoroughly reading the Liberty Home Guard contract to fully understand the company’s policies and exclusions. 


FAQ About Liberty Home Guard

Does Liberty Home Guard cover preexisting conditions?

According to the sample contract on Liberty Home Guard’s website, the company only covers installed items in good working order at the start of the contract agreement. The home warranty provider doesn’t cover any known or unknown preexisting conditions. This is normal in the home warranty industry, though some home warranty companies, such as American Home Shield, cover items with unknown preexisting conditions.

What is the response time for Liberty Home Guard?

Liberty Home Guard typically sends an in-network technician to your home within 48 hours of receiving your claim. However, expect a delay in processing your claim if you file it after normal business hours.

How does a Liberty Home Guard warranty work?

When you sign up for your Liberty Home Guard 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, on the app, or by 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 and any amount over the coverage cap or approved replacement amount.

What is the Liberty Home Guard cancellation policy?

Liberty Home Guard policyholders can cancel their 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.

Is Liberty Home Guard coverage worth it?

Depending on your situation, Liberty Home Guard can be an excellent way to reduce the financial burden of unexpected system or appliance breakdowns. However, a Liberty Home Guard plan isn’t ideal if you own high-end appliances because you have to purchase coverage for these items as an add-on.

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

Homeowners insurance companies design policies 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 home protection by covering the cost of repairing or replacing your appliances and/or systems.

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