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Liberty Home Guard: Home Warranties Review


ConsumersAdvocate.org Rating: 9 / 5 ()
365 Customer Comments & Reviews - see all comments
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Liberty Home Guard is a New York City-based direct seller, offering home insurance quotes sponsored by Progressive. LHG offers inexpensive policies that are systems-focused, appliance-focused, or all inclusive and works with a network of independent, licensed contractors in 48 US states including Washington D.C. Liberty Home Guard is the BBB's only A+ accredited home warranty company, and its board boasts over 100 years of combined experience in the home services business.

 
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How Do We Rate Liberty Home Guard?

Breakdown

4.5/5
Transparency
4.5/5
Claims Processing
4.5/5
Coverage Options
4.5/5
Additional Benefits
4.5/5
Customer Experience

Our Overall Rating: 4.5 / 5 (Excellent)

Liberty Home Guard offers coverage that is wide-ranging and reasonably priced. The flexibility of its policies' terms, its network of certified experts and service providers, and consumers' access to claims filing 24/7 further improve the company's marks with us.

Liberty Home Guard's strong coverage, prices, and services make a good argument for retaining the company as an extended service contract provider. Overall, we can recommend the company for any consumer seeking affordable home warranty alternatives.

Liberty Home Guard has higher allowance amounts than the average home warranty company and sources their replacement units at a wholesale rate. They also provide customers with an exceptional repair or replace program, in which the company agrees to pay for the replacement of an appliance or system that is deemed irreparable by the contractor. What's more, it is Liberty's policy to always provide customers with the option to have an item replaced, even if it is repairable. LHG partners with many firms such as restoration firms, rekey services, pest control services, and carpet and floor cleaning companies.

LHG recently launched a customer portal on their website to allow customers to conveniently manage their home warranty accounts from anywhere at any time.

Currently, Liberty offers services in 46 states, including Washington, D.C. Customers only need to input their zip code into Liberty's website, and it will automatically tell them if they are living in a covered area.

Coverage

Key Facts

Plan Types
Systems
Appliances
Combo Plan
Benefit Limit Type
Per Item
Term Benefit Limit
$0
Typical Appliance Benefit Limit
$2,000

Coverage Options - 4.5 / 5

LHG offers customers three primary types of coverage plans: Appliance Guard, Systems Guard, and Total Home Guard. They will also provide completely customizable coverage upon request. With an in-house underwriting team, the company can add or subtract coverage items to tailor the policy to cover their customers’ specific wants and needs. For example, if you don’t have a microwave in the home, or you have two refrigerators, they can make all the necessary changes to get you the coverage you require.

Add-ons include items such as pools and spas, sump pumps, central vacuums, well pumps, septic system pumping, stand-alone freezers, re-keying services, gutter cleaning services, and secondary refrigerators.

Some items may have different cost caps for repairs done to them or for full replacements. Overall, Liberty Home Guard's plans are solid, covering a wide variety of home systems and appliances.

What does Liberty Home Guard cover?

Covered Built-In Systems

  • Air Conditioning
  • Heating
  • Electrical
  • Plumbing
  • Water Heater
  • Instant Hot/Cold Water Dispenser
  • Central Vacuums
  • Ceiling Fans
  • Ductwork

Covered Appliances

  • Refrigerators
  • Dishwashers
  • Clothes Dryers
  • Clothes Washers
  • Ranges/Ovens/Cooktops
  • Built-in Microwaves
  • Freestanding Ice Makers
  • Built-In Trash Compactors
  • Garage Door Openers
  • Garbage Disposal
  • Stand Alone Freezer
  • Central Vacuum
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Exclusions

For a full list of Liberty Home Guard exclusions, check out this page.

Specialty Items

  • Pool/Spa
  • Well Pump
  • Septic

Contract & Price

Contract Details

Minimum Contract Length
1 month(s)
Home Inspection Required for Contract?
No
Online Quote/Application

Contract & Price - 4.5 / 5

Liberty Home Guard sells month-to-month, annual, and multi-year home warranty policies. Plans start at less than $1 per day—and depending on the current promotion, costs can be even lower. Liberty Home Guard’s service call fees range anywhere from $60 to $125, depending on the type of plan. The company offers discounts for its multi-year policies, providing the greatest value to consumers. Consumers interested in getting a sample quote or applying for a policy can do so on the company's website. Liberty Home Guard does not require consumers to have a home inspection in order to finalize contracts.

Contracts canceled within the first 30-days of the policy are eligible for a full refund. Should a consumer require optional add-ons, LHG will send the consumer a customized contract that includes optional add-on language, and the consumer has 30 days to review that language at no cost as well. In other words, all customers are entitled to a full money-back guarantee during that 30-day period.

Sample Contract

Liberty Home Guard provides a sample contract for potential customers on its website: Liberty Home Guard Sample Contract

Cancellation Policy

Liberty Home Guard customers may cancel their warranty policy at any time.

If canceled between day 31 and day 60 of the policy, the company will refund the full Agreement Cost, minus a $50 cancellation fee and the cost of any claims paid.

If canceled after the first 30 days from the effective date of the policy, the company will refund a prorated refund of the Agreement Cost based on the number of months remaining on the term of the agreement, minus the same cancellation fee of $50 and the cost of any claims paid.

Claims & Service

Claims

Service Fee
$60 through $125
Maintenance Records Required for Service?
No
24/7 Claims Department?
Waiting Period
30 days

Contractors & Service

Contractor Selection
In-Network Only
Any Contractor
Contractor Network Size
Undisclosed
Number of Technicians
Undisclosed
Service Recall Period
60 days

Claims Processing - 4.5 / 5

Customers must wait 30 days after enrolling before submitting support claims. However, Liberty Home Guard will project management any issue for its customers, even on day one of enrollment. Project management entitles users to Liberty Home Guard's wholesale discounts on parts, appliances, and labor, and it enables users to have Liberty source their in-network technicians to perform repairs. Also, if a customer has an existing policy with coverage expiring in less than 30 days from the purchase date, Liberty Home Guard will expedite the start date of coverage to overlap with prior coverage.

All service provided by said contractors has a 60-day workmanship guarantee. If the same malfunction happens within that timeframe, customers can file a claim in order to repair or replace the damaged item.

Claims may be filed 24 hours a day, 7 days a week.

Liberty Home Guard Reputation

Company Details

Year Founded
2018
NHSCA Membership
Number of Customers
Undisclosed
Number of Employees
Undisclosed
TrustPilot Rating
4.6 out of 5
Date Collected
2025-07-11

Reputation - 3.5 / 5

The company is fully licensed, and pays service providers for same-day diagnoses, ensuring customers receive the fastest response times and high levels of service.

The company earns 4.6 out of 5 stars on Trustpilot, which is pretty impressive. Home warranty companies don't often fare that well on consumer review sites.

Liberty Home Guard recently debuted a new survey model which sources and analyzes feedback related to customers’ experiences with the company since they first sign up. The new model also asks for feedback from its’ network of independent technicians, to fully analyze the service process from all sides. This shows the company's continued focus on customer satisfaction.

Read more about home warranty companies at our Top 10 Page.

Contact & Additional Information

Homepage URL
https://www.libertyhomeguard.com
Company Phone
(833) 544-8273
Headquarters Address
New York City, NY, 11234
Year Founded
2018

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365 Customer Comments & Reviews

Loading Reviews ...
decolores.maroon
9/10/2025
When I requested cancellation of my 5-year PREPAID warranty with Liberty Home Guard, they imposed an "Administrative fee" of $355, thus reducing the amount owed from $1,047. to $642. Lesson Learned....Don't pre-pay your warranty. If I had signed-up for monthly payments instead, they would not have had the opportunity to deduct from what is owed. Yes, the policy does refer to a cancellation fee of $50 and an Administrative fee, but the Administrative fee is not articulated, so it leaves the matter open for a "money grab."

D
Dustan
8/18/2025
Liberty Home Guard is the worst company I have ever dealt with. Not the worst home warranty company, the worst company period. When I first called them, I was just asking questions, but their silver-tongued sales rep made me promises that it would turn out to be complete fabrications, so I bought the service despite already having a home warranty company. They weren’t cheaper than my old company but the promises he made sounded good. I didn’t need anything until almost 11 months later but when I did call, they made me pay the service fee up front which is something no other warranty company has ever done. That was July 27th and as of today (August 18th), my issue is still not resolved, an...Read More

atozplumber1
5/21/2025
Derek Fisher was great with our call. Great customer service. Always a pleasure to talk to

omnihvac77
5/19/2025
Thank you Derick for helping me with my issue. You made the process simple and efficient. Keep up the good work. Omni Hvac Juan Mike Torres

amarisplumbingllc
5/13/2025
Derek Fisher was very easy to work with. He listened, answered my questions and did his best to assist me in a timely manner. Thank you.

amarisplumbingllc
5/13/2025
Derek Fisher was very easy to work with. He listened, answered my questions and did his best to assist me in a timely manner. Thank you.

mdmassengill
1/10/2025
I strongly advise against purchasing a home warranty from Liberty Home Guard (LHG). Despite paying $629.99 for a warranty and an additional $125 for a technician to diagnose an issue, the company failed to provide meaningful support when my furnace broke during the winter, leaving my family without heat. The claim process with Liberty Home Guard was unnecessarily difficult and frustrating. Despite paying them $754.99 ($629.99 for the warranty and $125 for their technician to diagnose the issue), LHG used the fine print in their terms and conditions to justify offering either $1,000 toward one of the lowest-quality HVAC systems from their suppliers as a replacement for my top-of-the-lin...Read More

bcxsrfsaa5333
12/27/2024
Thank you Brian Smith for helping me Thank you Brian Smith for helping me

bcxsrfsaa5333
12/27/2024
Thank you Brian Smith for helping me Thank you Brian Smith for helping me

propertyhoutx
12/26/2024
Thank you Shaidy Bustamante for all your help and patience,its always a pleasure speaking to you. Also thanks for all your support and kindness.

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