Liberty House Guard Evaluation (Prices & Protection in 2023)

Liberty House Guard (LHG) is a house guarantee firm that gives complete guarantee protection with three totally different plans and reasonably priced pricing. Established in 2017, Liberty House Guard might not have as sturdy expertise as different suppliers, however its distinctive repute, affordability and in depth add-on protection make it probably the greatest dwelling guarantee corporations within the trade.

Liberty House Guard is out there in each state besides Wisconsin and Washington, which makes it a wonderful selection for hundreds of house owners throughout the U.S. Be taught extra about Liberty House Guard by studying our in depth assessment beneath to raised decide if it’s the proper dwelling guarantee supplier for you.

Utilizing our bounce hyperlink desk of contents to seek out what you’re most thinking about for this assessment on Liberty House Guard.

Bounce To:

  1. Our Review of Liberty Home Guard
  2. Plans, Costs & Coverage
  3. Add-Ons, Exclusions & Coverage Limits
  4. Customer Reviews
  5. LHG vs Other Providers
  6. How to File a Claim with LHG
  7. FAQ

Our Evaluation of Liberty House Guard

Complete Rating: 93 / 100 factors

Liberty House Guard is a superb selection for dwelling guarantee protection. This supplier not solely has wonderful protection choices but additionally reasonably priced charges, a easy claims course of and an unbeatable repute.

Our specialists analyzed Liberty House Guard and evaluated the corporate in six classes to find out an general rating out of 100. Liberty House Guard obtained a rating of 93, giving it an general score of 4.7 stars. The chart beneath summarizes our outcomes and you’ll be taught extra about every class within the following sections.

We clarify our assessment methodology and what we search for below.

liberty home guard review scoring
liberty home guard pros and cons

Plans and Protection of Liberty House Guard

Rating: 25.5 / 24 factors 


Liberty House Guard provides three distinct plans to cowl both your home equipment, built-in methods or a mixture of each. The corporate’s Equipment Guard and Programs Guard plans cowl your main family home equipment and your main methods, respectively. Nevertheless, if you would like complete protection, the Complete House Guard plan is the proper possibility to guard towards dwelling equipment and system breakdowns. This complete plan covers 15 methods and home equipment, whereas different corporations provide plans that cowl eight to 13 gadgets.

What units Liberty House Guard other than different suppliers is the corporate’s 42 protection add-on choices to guard luxurious gadgets like swimming swimming pools and electronics. Most different suppliers provide lower than 15 gadgets for added protection, making LHG warranties probably the most customizable.


Whereas Liberty House Guard’s most cheap plan provides wonderful fundamental protection, it doesn’t cowl family methods. So if you wish to cowl main methods, reminiscent of your air conditioner, you’ll want to decide on the most costly plan. 

Whereas Liberty House Guard provides extra methods to customise your plan, the largest downside to having so many further choices is the extra month-to-month price. The extra add-ons you embody in your plan, the upper your month-to-month premium will likely be. 

We go into extra element on Liberty House Guard’s plans and protection below.

Affordability of Liberty House Guard

Rating: 20 / 22.5 factors


The nationwide common price of dwelling guarantee plans is $50 monthly, and Liberty hovers proper round that worth level for each its Equipment Guard and Programs Guard plans. Warranties from Liberty House Guard vary from $49.99 to $59.99 monthly. Because of this for lower than $2 per day, you’ll be able to profit from Liberty’s most complete protection plan. 

Greater than 25 of Liberty House Guard’s further companies price lower than $15 monthly, which makes these add-ons reasonably priced for most owners. This makes it straightforward to customise your plan to your distinctive wants.


Liberty House Guard provides quite a few add-ons, however some are dearer than add-ons provided by different dwelling guarantee corporations. For instance, LHG will cowl your swimming pool for an additional $19.99 monthly, whereas you’ll be able to shield your pool with one other dwelling guarantee firm for lower than $15 monthly.

Your service name price from Liberty House Guard could also be as little as $65 relying on the service, however that price may also be as excessive as $125 per name. In contrast to another dwelling guarantee corporations, you can’t select your service name price with Liberty House Guard. This implies you could not know the way a lot you’ll pay to have a technician despatched to your house, and this price might be dearer than the common.

Some dwelling guarantee corporations don’t have any cancellation price, however sadly, Liberty House Guard will not be considered one of them. If you happen to cancel your plan after 30 days, you’ll need to pay a $50 price.

We go into extra element on the price of Liberty House Guard below.

House Guarantee Sources

Buyer Expertise of Liberty House Guard 

Rating: 14.5 / 18.5 factors 


Prospects rave about Liberty House Guard’s educated and pleasant representatives that exit of their strategy to clarify every protection plan intimately. As well as, many purchasers report fast response instances, around-the-clock assist and constructive experiences when submitting claims. There are only a few complaints about Liberty House Guard on the Higher Enterprise Bureau (BBB) web site, however the firm’s customer support workforce actively works to handle all buyer considerations as they come up 

Getting a quote from Liberty is straightforward — you’ll be able to obtain an instantaneous, personalised dwelling guarantee quote on-line that lets you examine totally different plans, charges and add-on protection. This lets you create a custom-made plan that matches your wants and month-to-month price range.


Whenever you enter your data on Liberty House Guard’s web site to obtain your free quote, you’ll obtain calls, textual content messages and emails from firm representatives. Though these people are pleasant and useful, the sheer quantity of contacts you obtain may be overwhelming. On the primary day alone, our reviewers have been contacted 13 instances. Three weeks later, the identical reviewer continued to obtain day by day textual content messages and advertising emails.

Firm Popularity of Liberty House Guard 

Rating: 15.5 / 17.5 factors 


Liberty House Guard has probably the greatest reputations of all dwelling guarantee corporations. It has an A- score with the BBB and 4.7 stars on Google Critiques, which solidifies its repute as a reliable firm. Moreover, LHG has a 4.6-star score on Glassdoor, which signifies that the corporate cares as a lot about its staff because it does its clients.


Whereas Liberty House Guard has wonderful scores and an energetic customer support workforce that responds to complaints, it misplaced factors on this class as a consequence of its few years in enterprise and a 2020 lawsuit wherein a customer sued over frequency of contact. Whereas some corporations have greater than 50 years of expertise within the dwelling guarantee trade, Liberty has solely been in enterprise for 5 years.

We’ve included some buyer opinions of Liberty House Guard from the BBB below.

Claims Course of of Liberty House Guard 

Rating: 12.5 / 12.5 factors 


Liberty House Guard is well-known for its straightforward claims course of and responsive customer support workforce. Many on-line buyer opinions report wonderful buyer care as soon as they file a declare, and a few even say it’s the best declare course of they’ve skilled. When you submit your declare on-line or over the cellphone, it takes lower than 48 hours for it to be accepted.

Just like different dwelling guarantee suppliers, Liberty has a 30-day ready interval earlier than you’ll be able to submit a declare. After this ready interval is over, you’ll be able to start making claims.


Though the claims course of is usually clean, some Liberty clients report longer wait instances as a result of technicians are required to submit footage earlier than they will start work. This implies you’ll typically must schedule a number of appointments earlier than your house system or equipment is fastened.

We’ve included a step-by-step define of Liberty House Guard’s claims course of below.

Availability of Liberty House Guard 

Rating: 5 / 5 factors


Liberty House Guard is headquartered in Brooklyn, New York, and covers 48 states apart from Wisconsin and Washington. Due to its vast protection space, Liberty receives full marks on this class.


Liberty House Guard serves 96% of the U.S., however as a consequence of service exclusions, owners in Washington and Wisconsin are presently unable to acquire dwelling warranties by way of this supplier.

liberty home guard coverage map

Liberty House Guard Plans, Prices and Protection

The nationwide common for a month-to-month dwelling guarantee is $50 monthly, and Liberty House Guard meets that charge with its Equipment Guard plan. Even so, the corporate’s Programs Guard and Complete House Guard plans are additionally reasonably priced, beginning at $54.99 monthly and $59.99 monthly respectively.

If you happen to add gadgets to your plan, your month-to-month charge will enhance. All gadgets coated below Liberty’s dwelling guarantee service price between $3.99 monthly and $35.99 monthly, however most gadgets are throughout the $8 to $15 monthly vary.

Each time you name Liberty House Guard to submit a declare, you’ll pay a service name price. This price will vary from $65 to $125, however the precise quantity is dependent upon the service you require.

Equipment Guard Month-to-month Price Programs Guard Month-to-month Price Complete House Guard Month-to-month Price
Beginning at $49.99 Beginning at $54.99 Beginning at $59.99

Liberty House Guard Equipment Guard Plan: The Equipment Guard plan is ideal for owners who need simply the fundamentals coated. If you happen to don’t have central air-con or have older home equipment, it’s best to make investments on this plan. It covers eight main family home equipment — together with your dryer, washer, fridge, microwave, dishwasher, cooktop, storage door opener and exhaust fan.

Liberty House Guard System Guard Plan: If you happen to simply purchased new home equipment and solely wish to cowl your main dwelling methods, then the System Guard plan is for you. It covers your HVAC methods, ductwork, electrical methods, plumbing methods and water heater.

Liberty House Guard Complete House Guard Plan: The Complete House Guard plan is good for owners who need full peace of thoughts. It contains every thing within the Equipment Guard and System Guard Plans, protecting a complete of 15 dwelling methods and home equipment.

The desk beneath exhibits a side-by-side comparability of what’s coated below every Liberty House Guard guarantee plan.

  Equipment Plan Programs Plan Complete House Guard Plan
Garments Dryer  ✓  X  ✓
Garments Washer  ✓ ✓ 
Kitchen Fridge ✓  ✓ 
Constructed-in Microwave Oven ✓  ✓ 
Dishwasher ✓  ✓ 
Ranges/Ovens/Cooktops ✓  ✓ 
Ceiling and Exhaust Followers ✓  ✓ 
Storage Door Openers ✓  ✓ 
Air Conditioning  X ✓  ✓ 
Heating ✓  ✓ 
Ductwork ✓  ✓ 
Plumbing ✓  ✓ 
Electrical ✓  ✓ 
Water Heater ✓  ✓ 

What Non-compulsory Add-ons Does Liberty House Guard Provide?

Liberty House Guard provides probably the most customizable dwelling guarantee plans due to its many obtainable add-ons. Together with the fundamental dwelling system and equipment protection, you’ll be able to select so as to add as much as 42 further gadgets to your house guarantee, together with: 

  • Pool
  • Spa
  • Extra Spa
  • Effectively Pump
  • Sump Pump
  • Central Vacuum
  • Septic System Pumping
  • Stand Alone Freezer
  • Restricted Roof Leak
  • Lighting Fixtures
  • Re-Key
  • Water Softener
  • Garden Sprinkler System
  • Electronics Safety
  • Swamp Cooler
  • Ejector Pump
  • Second Fridge
  • Trash Compactor
  • Ice Maker (Fridge)
  • Freestanding Ice Maker
  • Wine Cooler
  • Salt Water Pool
  • Generator
  • Plumbing Fixture
  • Grinder Pump
  • Water Dispenser Water Line
  • Immediate Sizzling Water Dispenser
  • Reverse Osmosis Water Filter System
  • Casita Visitor Unit
  • TV Mounting

Together with further gadgets in your house, you can too pay a month-to-month price for dwelling companies:

  • Window Washing and Cleansing
  • Gutter Cleansing
  • Pest Management
  • Carpet Cleansing
  • Energy Washing (Exterior Flooring)

Lastly, your fundamental Liberty House Guard guarantee doesn’t cowl luxurious home equipment. If in case you have this stuff in your house, you’ll be able to improve your protection to incorporate the next:

  • Professional Collection Fridge
  • Professional Collection Vary/Oven/Cooktop
  • Professional Collection Dishwasher
  • Professional Collection Microwave
  • Professional Collection Washing Machine
  • Professional Collection Garments Dryer
  • Professional Collection Stand Alone Freezer

Does Liberty House Guard Have Any Exclusions? 

Just like different dwelling guarantee suppliers, Liberty House Guard does have limitations and exclusions to its dwelling guarantee protection. Understand that Liberty solely covers injury as a consequence of regular put on and tear, so if you wish to get probably the most out of your house guarantee, be certain to maintain all upkeep information. 

Your Liberty House Guard dwelling guarantee is not going to cowl the next:

  • Routine upkeep
  • Injury as a consequence of lack of upkeep or human error
  • Improper set up or earlier repairs
  • Corrosion or rust
  • Industrial grade gear
  • Luxurious home equipment
  • Sensible know-how and gadgets
  • Restore of beauty defects

Does Liberty House Guard Have Any Protection Limits?

For all gadgets included within the Equipment Guard, Programs Guard and Complete House Guard plans, protection is restricted to $2,000 per merchandise. For all further coated gadgets, the restrict is $500 per merchandise. This quantity applies per coverage interval, which means it resets after three hundred and sixty five days from the date of buy.

Liberty House Guard Buyer Critiques

Many Liberty House Guard clients have posted each constructive and unfavorable opinions on the BBB web site. We’ve included just a few of those dwelling guarantee opinions beneath. 

Constructive Critiques of Liberty House Guard

Liberty House Guard has a whole bunch of on-line opinions that spotlight constructive buyer experiences. Buyer satisfaction is clear from many opinions on the BBB, and plenty of Liberty clients rave concerning the amount of cash saved, educated representatives and a clean claims course of.

They [Liberty Home Guard] met my expectations once they changed my rubbish disposal in 4 days. They exceeded my expectations once they changed my air conditioner in two weeks. I saved round 100 {dollars} on the rubbish disposal substitute, due to the deductible and the truth that the rubbish disposal concern was decided to be pre-existing. I saved about $1,200 once they changed my AC. All in, I’m up about $1,180 and I’m very comfortable up to now. I hope to proceed to get an increasing number of worth from this coverage. However actually, up to now the plan is value each cent I’ve paid for it.

— Amber C., 11/18/2022

Liberty’s workforce has been extraordinarily dependable and saved us greater than a big amount of cash on repairs up to now. Their technicians simply give off the aura of being very expert and polished and doubtless most significantly, appear extraordinarily motivated to assist. We really initially bought our coverage with them as a present from our realtor about three years in the past and have used the service once in a while on a semi-regular foundation. On our final declare, Brian R. actually helped us out. As a house owner, Liberty House Guard’s safety has confirmed to be very worthwhile.

— Madeline C., 11/14/22

Unfavourable Critiques of Liberty House Guard

Some Liberty House Guard clients report lengthy wait instances on the cellphone and the necessity to schedule a number of technician appointments to finish a restore. Liberty usually requires service technicians to submit footage of dwelling home equipment and methods earlier than they are often repaired, which may delay repairs by a number of days.

[The] deductible is just too excessive, there’s a ready interval earlier than you’ll be able to file a declare they usually require the plumber to submit images earlier than approving. Which means two appointments I needed to take off work for, one for the photograph and one for him to really repair the problem.

— Rick M., 07/19/2022

Liberty House Guard vs Different House Guarantee Corporations

Earlier than you select a house guarantee supplier, it’s vital to analysis the suppliers obtainable in your space. Beneath you’ll be able to see how Liberty House Guard compares to different prime dwelling guarantee corporations.

Supplier Finest For Month-to-month Price Service Payment BBB Ranking Years in Enterprise
Liberty House Guard Most Customizable  $49.99 – $69.99+ $65.00 – $125.00 A – 5
American House Protect First-time Owners $49.99 – $99.99+ $75.00 – $125.00 B 51
Selection House Guarantee Worth $46.83 -$54.75  $85.00 D+ 13
Choose House Guarantee Most Inexpensive Service Payment $60.42 – $63.75+ $60.00 – $75.00 B- 10
AFC House Membership Most Added Advantages $30.00 – $50.00+  $75.00 – $125.00 B 13
2-10 House Guarantee Kitchen Home equipment  $17.00 – $60.00+ $65 – $100 B 39

Tips on how to File a Declare With Liberty House Guard

Liberty House Guard clients can report a declare across the clock, any time throughout the week. This 24/7 protection provides peace of thoughts understanding if one thing goes incorrect in your house, you simply should file a declare on-line or name customer support as quickly as you discover the malfunction.

liberty home guard claims process

Liberty House Guard additionally provides a 60-day workmanship assure. So if a technician has repaired considered one of your house methods and the system fails once more inside 60 days, Liberty will ship a technician to restore it at no further cost.

FAQ: Liberty House Guard

Is Liberty House Guard professional?

Liberty House Guard is a professional dwelling guarantee enterprise with nice buyer opinions on-line. This firm is among the many most extremely rated of all dwelling guarantee corporations, so we contemplate it an important possibility in your dwelling guarantee wants.

Does Liberty House Guard cowl pre-existing circumstances?

Liberty House Guard doesn’t cowl any identified or unknown pre-existing circumstances. In keeping with an internet pattern contract, Liberty will solely cowl the fee to restore or substitute methods and home equipment which are put in and in good working situation when your service contract begins.

Does Liberty House Guard cowl roof leaks?

Liberty House Guard provides roof leak safety for a further $11.99 monthly. This may get you $500 of protection per time period, however the protection doesn’t embody partial or full roof substitute. It solely applies to the roof leak patching that presides over residing house in a single-family residence.

Does Liberty House Guard require a house inspection?

Liberty House Guard doesn’t require a house inspection so that you can take out a house guarantee coverage, and the corporate will cowl your house methods and home equipment no matter age. However these methods and home equipment should be in working order while you signal your guarantee contract to obtain protection.

How do you cancel a Liberty House Guard coverage?

You possibly can cancel your Liberty House Guard guarantee by calling the customer support line. If you happen to cancel your coverage throughout the first 30 days, you’re going to get a full refund. However when you cancel after 30 days, you’ll have to pay a $50 cancellation price.

How We Evaluated Liberty House Guard In opposition to Our Evaluation Standards

To assist shoppers such as you select the very best dwelling guarantee corporations in your dwelling, we dive deep into each top-rated dwelling guarantee firm and charge them based mostly on six components. As soon as we analysis an organization and have gathered all our knowledge, we use the next scoring system to grade every dwelling guarantee firm on a 100-point scale. We then convert the rating to a 5-star score.

liberty home guard review methodology
  • Plans + Protection Choices (24 Attainable Factors): Since each buyer has totally different wants and a distinct price range, we award extra factors to suppliers that supply extra plans and larger flexibility. Liberty House Guard does exceptionally nicely on this class as a result of it provides three totally different plans and dozens of add-ons that permit for plan customization.
  • Affordability (22.5 Attainable Factors): Price is a vital issue as a result of many owners select dwelling warranties to keep away from excessive funds for dwelling equipment repairs. We consider every firm based mostly on its plans and extra companies, service name charges and cancellation phrases. Liberty’s House Guard’s plans are every reasonably priced at lower than $2 per day, and the add-on protection permits for patrons to customise their plan to swimsuit their wants and price range.
  • Buyer Expertise (18.5 Attainable Factors): Your expertise as a buyer is vital, together with the assist you obtain when contacting a house guarantee supplier. We gauge general assist by taking a look at buyer opinions, conducting home-owner surveys and going by way of the quotes course of. Liberty House Guard has nice on-line buyer opinions and a straightforward claims course of, which implies it scores excessive on this class.
  • Firm Popularity (17.5 Attainable Factors): An organization’s repute is a mixture of opinions from clients and respected organizations just like the BBB. We additionally take note of the years of expertise an organization has, how glad its staff are and any previous or pending lawsuits. Liberty has a wonderful A- score with the BBB and 4.7 stars on Google Critiques, so it does nicely on this class.
  • Claims Course of (12.5 Attainable Factors): On this class, we take a look at the general claims course of, together with how straightforward it’s to file a declare and an organization’s response time. Liberty House Guard’s claims course of is easy and clients can contact a customer support consultant 24/7.
  • Availability (5 Attainable Factors): Availability refers to what number of states and places an organization serves. Liberty House Guard does nicely on this class as a result of it provides dwelling warranties in 48 states, solely excluding Wisconsin and Washington.

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