Liberty Home Guard Review (Costs & Coverage in 2022)

By Alora Bopray

Liberty Home Guard (LHG) is a home warranty company that offers comprehensive warranty coverage with three different plans and affordable pricing. Established in 2017, Liberty Home Guard may not have as robust experience as other providers, but its exceptional reputation, affordability and extensive add-on coverage make it one of the best home warranty companies in the industry.

Liberty Home Guard is available in every state except Wisconsin and Washington, which makes it an excellent choice for thousands of homeowners within the U.S. Learn more about Liberty Home Guard by reading our extensive review below to better determine if it is the right home warranty provider for you.

Using our jump link table of contents to find what you’re most interested in for this review on Liberty Home Guard.

Jump To:

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

Our Review of Liberty Home Guard

Total Score: 93 / 100 points

Liberty Home Guard is an excellent choice for home warranty coverage. This provider not only has excellent coverage options but also affordable rates, a simple claims process and an unbeatable reputation.

Our experts analyzed Liberty Home Guard and evaluated the company in six categories to determine an overall score out of 100. Liberty Home Guard received a score of 93, giving it an overall rating of 4.7 stars. The chart below summarizes our results and you can learn more about each category in the following sections.

We explain our review methodology and what we look for below.

liberty home guard review scoring
liberty home guard pros and cons

Plans and Coverage of Liberty Home Guard

Score: 25.5 / 24 points 


Liberty Home Guard offers three distinct plans to cover either your appliances, built-in systems or a combination of both. The company’s Appliance Guard and Systems Guard plans cover your major household appliances and your major systems, respectively. However, if you want comprehensive coverage, the Total Home Guard plan is the perfect option to protect against home appliance and system breakdowns. This comprehensive plan covers 15 systems and appliances, whereas other companies offer plans that cover eight to 13 items.

What sets Liberty Home Guard apart from other providers is the company’s 42 coverage add-on options to protect luxury items like swimming pools and electronics. Most other providers offer less than 15 items for additional coverage, making LHG warranties the most customizable.


While Liberty Home Guard’s most inexpensive plan offers excellent basic coverage, it does not cover household systems. So if you want to cover major systems, such as your air conditioner, you’ll need to choose the most expensive plan. 

While Liberty Home Guard offers more ways to customize your plan, the biggest drawback to having so many additional options is the additional monthly cost. The more add-ons you include in your plan, the higher your monthly premium will be. 

We go into more detail on Liberty Home Guard’s plans and coverage below.

Affordability of Liberty Home Guard

Score: 20 / 22.5 points


The national average cost of home warranty plans is $50 per month, and Liberty hovers right around that price point for both its Appliance Guard and Systems Guard plans. Warranties from Liberty Home Guard range from $49.99 to $59.99 per month. This means that for less than $2 per day, you can benefit from Liberty’s most comprehensive coverage plan. 

More than 25 of Liberty Home Guard’s additional services cost less than $15 per month, which makes these add-ons affordable for most homeowners. This makes it easy to customize your plan to your unique needs.


Liberty Home Guard offers numerous add-ons, but some are more expensive than add-ons offered by other home warranty companies. For example, LHG will cover your swimming pool for an extra $19.99 per month, whereas you can protect your pool with another home warranty company for less than $15 per month.

Your service call fee from Liberty Home Guard may be as low as $65 depending on the service, but that fee can also be as high as $125 per call. Unlike some other home warranty companies, you cannot choose your service call fee with Liberty Home Guard. This means you may not know how much you’ll pay to have a technician sent to your home, and this cost could be more expensive than the average.

Some home warranty companies have no cancellation fee, but unfortunately, Liberty Home Guard is not one of them. If you cancel your plan after 30 days, you will need to pay a $50 fee.

We go into more detail on the cost of Liberty Home Guard below.

Home Warranty Resources

Customer Experience of Liberty Home Guard 

Score: 14.5 / 18.5 points 


Customers rave about Liberty Home Guard’s knowledgeable and friendly representatives that go out of their way to explain each coverage plan in detail. In addition, many customers report quick response times, around-the-clock support and positive experiences when filing claims. There are very few complaints about Liberty Home Guard on the Better Business Bureau (BBB) website, but the company’s customer service team actively works to address all customer concerns as they arise 

Getting a quote from Liberty is easy — you can receive an instant, personalized home warranty quote online that allows you to compare different plans, rates and add-on coverage. This allows you to create a customized plan that fits your needs and monthly budget.


When you enter your information on Liberty Home Guard’s website to receive your free quote, you will receive calls, text messages and emails from company representatives. Although these individuals are friendly and helpful, the sheer volume of contacts you receive can be overwhelming. On the first day alone, our reviewers were contacted 13 times. Three weeks later, the same reviewer continued to receive daily text messages and marketing emails.

Company Reputation of Liberty Home Guard 

Score: 15.5 / 17.5 points 


Liberty Home Guard has one of the best reputations of all home warranty companies. It has an A- rating with the BBB and 4.7 stars on Google Reviews, which solidifies its reputation as a trustworthy company. Furthermore, LHG has a 4.6-star rating on Glassdoor, which indicates that the company cares as much about its employees as it does its customers.


While Liberty Home Guard has excellent ratings and an active customer service team that responds to complaints, it lost points in this category due to its few years in business and a 2020 lawsuit in which a customer sued over frequency of contact. While some companies have more than 50 years of experience in the home warranty industry, Liberty has only been in business for five years.

We’ve included some customer reviews of Liberty Home Guard from the BBB below.

Claims Process of Liberty Home Guard 

Score: 12.5 / 12.5 points 


Liberty Home Guard is well known for its easy claims process and responsive customer service team. Many online customer reviews report excellent customer care once they file a claim, and some even say it is the easiest claim process they have experienced. Once you submit your claim online or over the phone, it takes less than 48 hours for it to be approved.

Similar to other home warranty providers, Liberty has a 30-day waiting period before you can submit a claim. After this waiting period is over, you can begin making claims.


Although the claims process is often smooth, some Liberty customers report longer wait times because technicians are required to submit pictures before they can begin work. This means you will sometimes need to schedule multiple appointments before your home system or appliance is fixed.

We’ve included a step-by-step outline of Liberty Home Guard’s claims process below.

Availability of Liberty Home Guard 

Score: 5 / 5 points


Liberty Home Guard is headquartered in Brooklyn, New York, and covers 48 states except for Wisconsin and Washington. Because of its wide coverage area, Liberty receives full marks in this category.


Liberty Home Guard serves 96% of the U.S., but due to service exclusions, homeowners in Washington and Wisconsin are currently unable to obtain home warranties through this provider.

liberty home guard coverage map

Liberty Home Guard Plans, Costs and Coverage

The national average for a monthly home warranty is $50 per month, and Liberty Home Guard meets that rate with its Appliance Guard plan. Even so, the company’s Systems Guard and Total Home Guard plans are also affordable, starting at $54.99 per month and $59.99 per month respectively.

If you add items to your plan, your monthly rate will increase. All items covered under Liberty’s home warranty service cost between $3.99 per month and $35.99 per month, but most items are within the $8 to $15 per month range.

Every time you call Liberty Home Guard to submit a claim, you will pay a service call fee. This fee will range from $65 to $125, but the exact amount depends on the service you require.

Appliance Guard Monthly CostSystems Guard Monthly CostTotal Home Guard Monthly Cost
Starting at $49.99Starting at $54.99Starting at $59.99

Liberty Home Guard Appliance Guard Plan: The Appliance Guard plan is perfect for homeowners who want just the basics covered. If you don’t have central air conditioning or have older appliances, you should invest in this plan. It covers eight major household appliances — including your dryer, washer, refrigerator, microwave, dishwasher, cooktop, garage door opener and exhaust fan.

Liberty Home Guard System Guard Plan: If you just bought new appliances and only want to cover your major home systems, then the System Guard plan is for you. It covers your HVAC systems, ductwork, electrical systems, plumbing systems and water heater.

Liberty Home Guard Total Home Guard Plan: The Total Home Guard plan is ideal for homeowners who want complete peace of mind. It includes everything in the Appliance Guard and System Guard Plans, covering a total of 15 home systems and appliances.

The table below shows a side-by-side comparison of what is covered under each Liberty Home Guard warranty plan.

 Appliance PlanSystems PlanTotal Home Guard Plan
Clothes Dryer ✓ X ✓
Clothes Washer ✓✓ 
Kitchen Refrigerator✓ ✓ 
Built-in Microwave Oven✓ ✓ 
Dishwasher✓ ✓ 
Ranges/Ovens/Cooktops✓ ✓ 
Ceiling and Exhaust Fans✓ ✓ 
Garage Door Openers✓ ✓ 
Air Conditioning X✓ ✓ 
Heating✓ ✓ 
Ductwork✓ ✓ 
Plumbing✓ ✓ 
Electrical✓ ✓ 
Water Heater✓ ✓ 

What Optional Add-ons Does Liberty Home Guard Offer?

Liberty Home Guard offers the most customizable home warranty plans because of its many available add-ons. Along with the basic home system and appliance coverage, you can choose to add up to 42 additional items to your home warranty, including: 

  • Pool
  • Spa
  • Additional Spa
  • Well Pump
  • Sump Pump
  • Central Vacuum
  • Septic System Pumping
  • Stand Alone Freezer
  • Limited Roof Leak
  • Lighting Fixtures
  • Re-Key
  • Water Softener
  • Lawn Sprinkler System
  • Electronics Protection
  • Swamp Cooler
  • Ejector Pump
  • Second Refrigerator
  • Trash Compactor
  • Ice Maker (Fridge)
  • Freestanding Ice Maker
  • Wine Cooler
  • Salt Water Pool
  • Generator
  • Plumbing Fixture
  • Grinder Pump
  • Water Dispenser Water Line
  • Instant Hot Water Dispenser
  • Reverse Osmosis Water Filter System
  • Casita Guest Unit
  • TV Mounting

Along with additional items in your home, you can also pay a monthly fee for home services:

  • Window Washing and Cleaning
  • Gutter Cleaning
  • Pest Control
  • Carpet Cleaning
  • Power Washing (Exterior Flooring)

Finally, your basic Liberty Home Guard warranty does not cover luxury appliances. If you have these items in your home, you can upgrade your coverage to include the following:

  • Pro Series Refrigerator
  • Pro Series Range/Oven/Cooktop
  • Pro Series Dishwasher
  • Pro Series Microwave
  • Pro Series Washing Machine
  • Pro Series Clothes Dryer
  • Pro Series Stand Alone Freezer

Does Liberty Home Guard Have Any Exclusions? 

Similar to other home warranty providers, Liberty Home Guard does have limitations and exclusions to its home warranty coverage. Keep in mind that Liberty only covers damage due to normal wear and tear, so if you want to get the most out of your home warranty, make sure to keep all maintenance records. 

Your Liberty Home Guard home warranty will not cover the following:

  • Routine maintenance
  • Damage due to lack of maintenance or human error
  • Improper installation or previous repairs
  • Corrosion or rust
  • Commercial grade equipment
  • Luxury appliances
  • Smart technology and devices
  • Repair of cosmetic defects

Does Liberty Home Guard Have Any Coverage Limits?

For all items included in the Appliance Guard, Systems Guard and Total Home Guard plans, coverage is limited to $2,000 per item. For all additional covered items, the limit is $500 per item. This amount applies per policy period, meaning it resets after 365 days from the date of purchase.

Liberty Home Guard Customer Reviews

Many Liberty Home Guard customers have posted both positive and negative reviews on the BBB website. We’ve included a few of these home warranty reviews below. 

Positive Reviews of Liberty Home Guard

Liberty Home Guard has hundreds of online reviews that highlight positive customer experiences. Customer satisfaction is evident from many reviews on the BBB, and many Liberty customers rave about the amount of money saved, knowledgeable representatives and a smooth claims process.

They [Liberty Home Guard] met my expectations when they replaced my garbage disposal in four days. They exceeded my expectations when they replaced my air conditioner in two weeks. I saved around a hundred dollars on the garbage disposal replacement, because of the deductible and the fact that the garbage disposal issue was determined to be pre-existing. I saved about $1,200 when they replaced my AC. All in, I am up about $1,180 and I am very happy so far. I hope to continue to get more and more value from this policy. But really, so far the plan is worth every cent I have paid for it.

— Amber C., 11/18/2022

Liberty’s team has been extremely reliable and saved us more than a significant amount of money on repairs so far. Their technicians just give off the aura of being very skilled and polished and probably most importantly, seem extremely motivated to help. We actually originally got our policy with them as a gift from our realtor about three years ago and have used the service now and again on a semi-regular basis. On our last claim, Brian R. really helped us out. As a homeowner, Liberty Home Guard’s protection has proven to be very worthwhile.

— Madeline C., 11/14/22

Negative Reviews of Liberty Home Guard

Some Liberty Home Guard customers report long wait times on the phone and the need to schedule multiple technician appointments to complete a repair. Liberty often requires service technicians to submit pictures of home appliances and systems before they can be repaired, which can delay repairs by several days.

[The] deductible is too high, there’s a waiting period before you can file a claim and they require the plumber to submit photos before approving. That means two appointments I had to take off work for, one for the photo and one for him to actually fix the issue.

— Rick M., 07/19/2022

Liberty Home Guard vs Other Home Warranty Companies

Before you choose a home warranty provider, it’s important to research the providers available in your area. Below you can see how Liberty Home Guard compares to other top home warranty companies.

ProviderBest ForMonthly CostService FeeBBB RatingYears in Business
Liberty Home GuardMost Customizable $49.99 – $69.99+$65.00 – $125.00A –5
American Home ShieldFirst-time Homeowners$49.99 – $99.99+$75.00 – $125.00B51
Choice Home WarrantyValue$46.83 -$54.75 $85.00D+13
Select Home WarrantyMost Affordable Service Fee$60.42 – $63.75+$60.00 – $75.00B-10
AFC Home ClubMost Added Benefits$30.00 – $50.00+ $75.00 – $125.00B13
2-10 Home WarrantyKitchen Appliances $17.00 – $60.00+$65 – $100B39

How to File a Claim With Liberty Home Guard

Liberty Home Guard customers can report a claim around the clock, any time during the week. This 24/7 coverage offers peace of mind knowing if something goes wrong in your home, you just have to file a claim online or call customer service as soon as you notice the malfunction.

liberty home guard claims process

Liberty Home Guard also offers a 60-day workmanship guarantee. So if a technician has repaired one of your home systems and the system fails again within 60 days, Liberty will send a technician to repair it at no additional charge.

FAQ: Liberty Home Guard

Is Liberty Home Guard legitimate?

Liberty Home Guard is a legitimate home warranty business with great customer reviews online. This company is among the most highly rated of all home warranty companies, so we consider it a great option for your home warranty needs.

Does Liberty Home Guard cover pre-existing conditions?

Liberty Home Guard does not cover any known or unknown pre-existing conditions. According to an online sample contract, Liberty will only cover the cost to repair or replace systems and appliances that are installed and in good working condition when your service contract begins.

Does Liberty Home Guard cover roof leaks?

Liberty Home Guard offers roof leak protection for an additional $11.99 per month. This will get you $500 of coverage per term, but the coverage does not include partial or complete roof replacement. It only applies to the roof leak patching that presides over living space in a single-family residence.

Does Liberty Home Guard require a home inspection?

Liberty Home Guard does not require a home inspection for you to take out a home warranty policy, and the company will cover your home systems and appliances regardless of age. But these systems and appliances must be in working order when you sign your warranty contract to receive coverage.

How do you cancel a Liberty Home Guard policy?

You can cancel your Liberty Home Guard warranty by calling the customer service line. If you cancel your policy within the first 30 days, you will get a full refund. But if you cancel after 30 days, you will have to pay a $50 cancellation fee.

How We Evaluated Liberty Home Guard Against Our Review Criteria

To help consumers like you choose the best home warranty companies for your home, we dive deep into every top-rated home warranty company and rate them based on six factors. Once we research a company and have gathered all our data, we use the following scoring system to grade each home warranty company on a 100-point scale. We then convert the score to a 5-star rating.

liberty home guard review methodology
  • Plans + Coverage Options (24 Possible Points): Since every customer has different needs and a different budget, we award more points to providers that offer more plans and greater flexibility. Liberty Home Guard does exceptionally well in this category because it offers three different plans and dozens of add-ons that allow for plan customization.
  • Affordability (22.5 Possible Points): Cost is an important factor because many homeowners choose home warranties to avoid high payments for home appliance repairs. We evaluate each company based on its plans and additional services, service call fees and cancellation terms. Liberty’s Home Guard’s plans are each affordable at less than $2 per day, and the add-on coverage allows for customers to customize their plan to suit their needs and budget.
  • Customer Experience (18.5 Possible Points): Your experience as a customer is important, including the support you receive when contacting a home warranty provider. We gauge overall support by looking at customer reviews, conducting homeowner surveys and going through the quotes process. Liberty Home Guard has great online customer reviews and an easy claims process, which means it scores high in this category.
  • Company Reputation (17.5 Possible Points): A company’s reputation is a combination of reviews from customers and reputable organizations like the BBB. We also take into account the years of experience a company has, how satisfied its employees are and any past or pending lawsuits. Liberty has an excellent A- rating with the BBB and 4.7 stars on Google Reviews, so it does well in this category.
  • Claims Process (12.5 Possible Points): In this category, we look at the overall claims process, including how easy it is to file a claim and a company’s response time. Liberty Home Guard’s claims process is simple and customers can contact a customer service representative 24/7.
  • Availability (5 Possible Points): Availability refers to how many states and locations a company serves. Liberty Home Guard does well in this category because it offers home warranties in 48 states, only excluding Wisconsin and Washington.

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