Liberty House Guard Overview (Prices & Protection in 2023)

Liberty House Guard (LHG) is a house guarantee firm that gives complete guarantee protection with three completely different plans and reasonably priced pricing. Established in 2017, Liberty House Guard could not have as sturdy expertise as different suppliers, however its distinctive popularity, affordability and in depth add-on protection make it among the best residence guarantee firms within the trade.

Liberty House Guard is accessible in each state besides Wisconsin and Washington, which makes it a superb selection for hundreds of householders inside the U.S. Study extra about Liberty House Guard by studying our in depth assessment beneath to raised decide if it’s the proper residence guarantee supplier for you.

Utilizing our leap hyperlink desk of contents to search out what you’re most involved in 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 Overview of Liberty House Guard

Whole Rating: 93 / 100 factors

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

Our consultants analyzed Liberty House Guard and evaluated the corporate in six classes to find out an total rating out of 100. Liberty House Guard obtained a rating of 93, giving it an total 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 gives three distinct plans to cowl both your home equipment, built-in programs or a mix of each. The corporate’s Equipment Guard and Techniques Guard plans cowl your main family home equipment and your main programs, respectively. Nevertheless, if you need complete protection, the Whole House Guard plan is the right choice to guard towards residence equipment and system breakdowns. This complete plan covers 15 programs and home equipment, whereas different firms supply 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 supply lower than 15 gadgets for added protection, making LHG warranties probably the most customizable.


Whereas Liberty House Guard’s most cheap plan gives glorious fundamental protection, it doesn’t cowl family programs. So if you wish to cowl main programs, resembling your air conditioner, you’ll want to decide on the costliest plan. 

Whereas Liberty House Guard gives extra methods to customise your plan, the most important disadvantage to having so many extra choices is the extra month-to-month value. The extra add-ons you embody in your plan, the upper your month-to-month premium will probably 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 value of residence guarantee plans is $50 per thirty days, and Liberty hovers proper round that worth level for each its Equipment Guard and Techniques Guard plans. Warranties from Liberty House Guard vary from $49.99 to $59.99 per thirty days. Which means that 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 extra providers value lower than $15 per thirty days, 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 gives quite a few add-ons, however some are costlier than add-ons supplied by different residence guarantee firms. For instance, LHG will cowl your swimming pool for an additional $19.99 per thirty days, whereas you’ll be able to shield your pool with one other residence guarantee firm for lower than $15 per thirty days.

Your service name charge from Liberty House Guard could also be as little as $65 relying on the service, however that charge can be as excessive as $125 per name. In contrast to another residence guarantee firms, you can’t select your service name charge with Liberty House Guard. This implies you might not know the way a lot you’ll pay to have a technician despatched to your private home, and this value may very well be costlier than the typical.

Some residence guarantee firms don’t have any cancellation charge, however sadly, Liberty House Guard is just not considered one of them. For those who cancel your plan after 30 days, you’ll need to pay a $50 charge.

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

House Guarantee Assets

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 method to clarify every protection plan intimately. As well as, many shoppers report fast response occasions, around-the-clock help and optimistic 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 group actively works to deal with all buyer considerations as they come up 

Getting a quote from Liberty is simple — you’ll be able to obtain an immediate, personalised residence guarantee quote on-line that lets you evaluate completely different plans, charges and add-on protection. This lets you create a custom-made plan that matches your wants and month-to-month funds.


If you enter your info 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 occasions. Three weeks later, the identical reviewer continued to obtain each day textual content messages and advertising emails.

Firm Repute of Liberty House Guard 

Rating: 15.5 / 17.5 factors 


Liberty House Guard has among the best reputations of all residence guarantee firms. It has an A- score with the BBB and 4.7 stars on Google Opinions, which solidifies its popularity 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 prospects.


Whereas Liberty House Guard has glorious rankings and an energetic customer support group that responds to complaints, it misplaced factors on this class attributable to its few years in enterprise and a 2020 lawsuit wherein a customer sued over frequency of contact. Whereas some firms have greater than 50 years of expertise within the residence guarantee trade, Liberty has solely been in enterprise for 5 years.

We’ve included some buyer critiques 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 group. Many on-line buyer critiques report glorious 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 telephone, it takes lower than 48 hours for it to be accredited.

Just like different residence 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 commonly clean, some Liberty prospects report longer wait occasions as a result of technicians are required to submit footage earlier than they’ll start work. This implies you’ll generally must schedule a number of appointments earlier than your private home system or equipment is mounted.

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 aside from Wisconsin and Washington. Due to its huge protection space, Liberty receives full marks on this class.


Liberty House Guard serves 96% of the U.S., however attributable to service exclusions, owners in Washington and Wisconsin are at present unable to acquire residence 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 residence guarantee is $50 per thirty days, and Liberty House Guard meets that price with its Equipment Guard plan. Even so, the corporate’s Techniques Guard and Whole House Guard plans are additionally reasonably priced, beginning at $54.99 per thirty days and $59.99 per thirty days respectively.

For those who add gadgets to your plan, your month-to-month price will enhance. All gadgets coated underneath Liberty’s residence guarantee service value between $3.99 per thirty days and $35.99 per thirty days, however most gadgets are inside the $8 to $15 per thirty days vary.

Each time you name Liberty House Guard to submit a declare, you’ll pay a service name charge. This charge will vary from $65 to $125, however the actual quantity will depend on the service you require.

Equipment Guard Month-to-month Value Techniques Guard Month-to-month Value Whole House Guard Month-to-month Value
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. For those who don’t have central air con or have older home equipment, it is 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: For those who simply purchased new home equipment and solely need to cowl your main residence programs, then the System Guard plan is for you. It covers your HVAC programs, ductwork, electrical programs, plumbing programs and water heater.

Liberty House Guard Whole House Guard Plan: The Whole House Guard plan is good for owners who need full peace of thoughts. It consists of all the things within the Equipment Guard and System Guard Plans, masking a complete of 15 residence programs and home equipment.

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

  Equipment Plan Techniques Plan Whole 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 Supply?

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

  • Pool
  • Spa
  • Extra Spa
  • Nicely 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
  • Prompt Scorching Water Dispenser
  • Reverse Osmosis Water Filter System
  • Casita Visitor Unit
  • TV Mounting

Together with extra gadgets in your house, you can even pay a month-to-month charge for residence providers:

  • 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. In case you have this stuff in your house, you’ll be able to improve your protection to incorporate the next:

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

Does Liberty House Guard Have Any Exclusions? 

Just like different residence guarantee suppliers, Liberty House Guard does have limitations and exclusions to its residence guarantee protection. Needless to say Liberty solely covers harm attributable to regular put on and tear, so if you wish to get probably the most out of your private home guarantee, be sure to maintain all upkeep data. 

Your Liberty House Guard residence guarantee won’t cowl the next:

  • Routine upkeep
  • Injury attributable to lack of upkeep or human error
  • Improper set up or earlier repairs
  • Corrosion or rust
  • Business grade gear
  • Luxurious home equipment
  • Sensible expertise and gadgets
  • Restore of beauty defects

Does Liberty House Guard Have Any Protection Limits?

For all gadgets included within the Equipment Guard, Techniques Guard and Whole House Guard plans, protection is restricted to $2,000 per merchandise. For all extra 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 Opinions

Many Liberty House Guard prospects have posted each optimistic and adverse critiques on the BBB web site. We’ve included a number of of those residence guarantee critiques beneath. 

Constructive Opinions of Liberty House Guard

Liberty House Guard has a whole lot of on-line critiques that spotlight optimistic buyer experiences. Buyer satisfaction is obvious from many critiques on the BBB, and plenty of Liberty prospects rave in regards to the amount of cash saved, educated representatives and a clean claims course of.

They [Liberty Home Guard] met my expectations after they changed my rubbish disposal in 4 days. They exceeded my expectations after 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 after they changed my AC. All in, I’m up about $1,180 and I’m very completely satisfied up to now. I hope to proceed to get increasingly more worth from this coverage. However actually, up to now the plan is price each cent I’ve paid for it.

— Amber C., 11/18/2022

Liberty’s group 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 received 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

Adverse Opinions of Liberty House Guard

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

[The] deductible is simply too excessive, there’s a ready interval earlier than you’ll be able to file a declare and so they require the plumber to submit photographs earlier than approving. Which means two appointments I needed to take off work for, one for the picture and one for him to truly 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 necessary to analysis the suppliers obtainable in your space. Under you’ll be able to see how Liberty House Guard compares to different high residence guarantee firms.

Supplier Finest For Month-to-month Value 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 Householders $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

Easy methods to File a Declare With Liberty House Guard

Liberty House Guard prospects can report a declare across the clock, any time throughout the week. This 24/7 protection gives peace of thoughts figuring out if one thing goes fallacious in your house, you simply need to 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 gives a 60-day workmanship assure. So if a technician has repaired considered one of your private home programs and the system fails once more inside 60 days, Liberty will ship a technician to restore it at no extra cost.

FAQ: Liberty House Guard

Is Liberty House Guard reputable?

Liberty House Guard is a reputable residence guarantee enterprise with nice buyer critiques on-line. This firm is among the many most extremely rated of all residence guarantee firms, so we think about it an excellent choice to your residence guarantee wants.

Does Liberty House Guard cowl pre-existing circumstances?

Liberty House Guard doesn’t cowl any recognized or unknown pre-existing circumstances. In accordance with an internet pattern contract, Liberty will solely cowl the price to restore or exchange programs 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 gives roof leak safety for an extra $11.99 per thirty days. This can 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 private home programs and home equipment no matter age. However these programs and home equipment should be in working order once you signal your guarantee contract to obtain protection.

How do you cancel a Liberty House Guard coverage?

You’ll be able to cancel your Liberty House Guard guarantee by calling the customer support line. For those who cancel your coverage inside the first 30 days, you’ll get a full refund. However when you cancel after 30 days, you’ll have to pay a $50 cancellation charge.

How We Evaluated Liberty House Guard Towards Our Overview Standards

To assist customers such as you select one of the best residence guarantee firms to your residence, we dive deep into each top-rated residence guarantee firm and price them based mostly on six elements. As soon as we analysis an organization and have gathered all our knowledge, we use the next scoring system to grade every residence 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 Doable Factors): Since each buyer has completely different wants and a unique funds, we award extra factors to suppliers that supply extra plans and better flexibility. Liberty House Guard does exceptionally nicely on this class as a result of it gives three completely different plans and dozens of add-ons that permit for plan customization.
  • Affordability (22.5 Doable Factors): Value is a crucial issue as a result of many owners select residence warranties to keep away from excessive funds for residence equipment repairs. We consider every firm based mostly on its plans and extra providers, 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 purchasers to customise their plan to go well with their wants and funds.
  • Buyer Expertise (18.5 Doable Factors): Your expertise as a buyer is necessary, together with the help you obtain when contacting a house guarantee supplier. We gauge total help by buyer critiques, conducting house owner surveys and going by way of the quotes course of. Liberty House Guard has nice on-line buyer critiques and a straightforward claims course of, which implies it scores excessive on this class.
  • Firm Repute (17.5 Doable Factors): An organization’s popularity is a mix of critiques from prospects and respected organizations just like the BBB. We additionally keep in mind the years of expertise an organization has, how glad its staff are and any previous or pending lawsuits. Liberty has a superb A- score with the BBB and 4.7 stars on Google Opinions, so it does nicely on this class.
  • Claims Course of (12.5 Doable 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 straightforward and prospects can contact a customer support consultant 24/7.
  • Availability (5 Doable 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 gives residence warranties in 48 states, solely excluding Wisconsin and Washington.

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