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Liberty Home Guard: Reviews, Coverage & Costs

Kevin Graham7 minute read
August 04, 2021

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If you’re considering a home warranty, you’re probably getting the idea that there are a lot of companies out there vying for your business. If you’re like most people, sentiment of other customers is the best way to separate the contenders for your business from the pretenders to the throne. We think you’ll be impressed by the Liberty Home Guard reviews.

In this article, we’ll touch on what Liberty Home Guard offers as well as reviews and what we especially like about it. Finally, we’ll touch on some common questions you might have. But let’s start at the beginning.

What Is Liberty Home Guard?

Liberty Home Guard is a provider of home warranties. The next natural question might be what a home warranty is, so let’s start there.

You can think of a home warranty as being similar to a traditional warranty in that repair and/or replacement coverage is offered. However, instead of being tied to a specific product, home warranties cover a range of appliances and systems within homes for a monthly or annual fee.

Home warranties can be appealing for a variety of reasons. If you’ve moved into a house and want coverage for major systems and appliances so you can avoid having to cover an unexpected expense when something breaks, home warranty coverage is right for you. Sellers can also purchase home warranties for a certain number of years as an incentive.

The cost of a home warranty typically comes down to a few things: the type of coverage you opt for, your location and the price of monthly premiums vs. service call fees. Most companies will allow you to choose to pay a lower monthly premium in exchange for a higher fee for service calls or vice versa. Your location and the amount of square footage you have also matters. Depending on coverage, you’re often looking at spending $400 – $600 annually.

It’s also important to make sure you carefully read the contract so that you understand what’s covered and what’s excluded. Not every home warranty company will cover the same things even if they both offer heating coverage, for example.

What Kinds Of Home Warranty Plans Does LHG Offer?

When selecting a home warranty plan, it's going to be important to consider what your needs are in order to select the best option for you. Liberty Home Guard offers three different options for you to take a look at as well as some optional add-on coverage.

Systems-Focused

A systems-focused home warranty plan will deal with the major infrastructure in your home, but it doesn't cover appliances. For example, this type of plan tends to cover HVAC systems.

Speaking of air-conditioning, let’s start there. Liberty Home Guard covers central air conditioning units. Up to a 5-ton capacity is covered, and you’ll get an equivalent replacement AC as long as your current air-conditioning is rated 13 SEER or higher.

The writer in me couldn’t resist a smooth transition. But here’s a list of everything else covered under Liberty Home Guard’s System Guard plan:

  • Heating
  • Ductwork
  • Plumbing
  • Electrical
  • Water heaters

This is slightly more expensive than the appliance-focused coverage we’ll go over next and less expensive than the comprehensive coverage we’ll touch on last.

Appliance-Focused

Appliance coverage covers the appliances in your home, but it doesn't cover home systems and infrastructure. Here are some quick bullet points on coverage details.

  • Clothes washer
  • Clothes dryer
  • Refrigerator with ice maker and dispenser
  • Built-in microwave ovens
  • Dishwashers
  • Garbage disposals
  • Ranges/ovens/cooktops
  • Ceiling and exhaust fans
  • Garage door openers

Although it covers more items, it’s slightly less expensive than the systems coverage because of the nature and expense of systems repair.

Total Home Guard

The best way to think of Total Home Guard is as a combination of the appliance and systems coverage. When it comes to pricing, this will be in the top tier.

Optional Add-Ons

As with many of these home warranty companies, they also offer plenty of additional add-on coverage if you’re willing to pay for it. Here are the categories offered by Liberty Home Guard:

  • Pool and spa
  • Additional spa
  • Lighting fixtures
  • Carpet cleaning
  • Swamp cooler
  • In-fridge ice maker
  • Generator
  • Instant hot water dispenser
  • Sump pump
  • Septic system pumping
  • Re-key
  • Water softener
  • Ejector pump
  • Freestanding ice maker
  • Plumbing fixtures
  • Reverse osmosis system
  • Well pump
  • Standalone freezer
  • Gutter cleaning
  • Lawn sprinkler system
  • Second refrigerator
  • Wine cooler/fridge
  • Grinder pump
  • Central vacuum
  • Limited roof leak
  • Pest control
  • Electronics protection
  • Trash compactor
  • Saltwater pool
  • Water dispenser water line

Based on the info on the sample contract, you may be able to pay for coverage of premium or professional grade appliances with like replacement for an additional fee as well.

Liberty Home Guard Reviews

We don’t expect you to take our word for it. See what other people from around the web are saying about Liberty Home Guard.

Consumer Affairs

Consumer Affairs likes the following about Liberty Home Guard:

  • They are available in 45 states and Washington, D.C.
  • Contract terms are very flexible
  • There is a 60-day warranty on all repairs.

On the downside:

  • It’s not available everywhere.
  • Not everyone’s claim is accepted.

Better Business Bureau (BBB)

In 890 reviews on the Better Business Bureau, the company averages 4.62 out of 5 stars. It achieves the Bureau’s A rating. Here are the positive points:

  • Multiple consumers rave about their customer service experience with the company.
  • There are many people who have posted about being happy with their repairs.

Here are the cons:

  • Some claims are denied or take longer to process.
  • Depending on the situation in your area, there may be a wait before a technician can come out.

This Old House

This Old House had a few things they really liked about Liberty Home Guard have been given an 8.6 out of 10 and calling it the most trusted home warranty company.

  • The high rating from the BBB
  • 60-day warranty on repairs

The main demerit listed was that it’s not available in all 50 states.

Better Homes And Gardens

Better Homes and Gardens likes the following about Liberty Home Guard:

  • A large selection of optional add-ons
  • Reasonable service fee
  • 60-day repair guarantee

On the not-so-good side were these two notes:

  • Unavailable in five states
  • Some customers dealt with a slow response

What We Like About The LHG Home Warranty

Now that we've taken a look at what others say, here's why we think you should give Liberty Home Guard a look.

Highly Rated

LHG has achieved high praise from the Better Business Bureau. That's not something to be taken lightly because not many businesses in this industry have such high ratings. Additionally, This Old House refers to Liberty Home Guard as being its most trusted provider. Better Homes and Gardens made the company its pick for having the best add-on options.

Flexibility

You have the ability to completely customize your coverage by picking a plan and taking advantage of optional add-ons. You can also pay to have premium appliances covered. Finally, plans can be paid month-to-month or annually and canceled at any time.

No Required Contract Length

While you do have a contract that covers the terms of your warranty service, it can be canceled at any time. You'll get a prorated refund if you're on an annual payment plan.

Competitive Costs

Liberty Home Guard is very competitive from a press perspective. Although price is going to vary based on location, prices for a home under 5,000 square feet in Metro Detroit were as follows:

  • Appliance coverage: $45 per month or $450 per year
  • System coverage: $50 per month or $500 per year
  • Total home coverage: $55 per month or $550 per year

There’s also a flat $60 fee for service calls. This is in contrast to other companies which vary the price of monthly premiums and service calls. However, the pricing is competitive and you get a couple of months free with yearly plans. Additionally, there’s a promotion where you get a better quote if you give them your cell phone number right now.

Easy Claim Filing

All of the reviews online say that it’s pretty easy to file a claim. Additionally, given the high ratings, most people are very satisfied with the service.

60-Day Workmanship Guarantee

Every service performed by LHG has a 60-day guarantee. That means if your issue persists, they'll send someone back out at no charge to you.

Liberty Home Guard FAQs

Now that we've gone over the basics and what we really like, let's answer a few of the most frequent questions.

How long has LHG been in business?

Although the company has been in business for just 3 years, its customer reviews speak for themselves. They’ve gone out of their way to link to a variety of review sites you can check out from their website to see what consumers think. This has helped build up their credibility with the consumer.

Can I customize my plan?

You can choose from one of three different plans and a variety of add-ons, so there is some customization available. However, there are limits. For example, you can't mix-and-match and choose to have a dishwasher and clothes dryer covered à la cart.

Is LHG available in my state?

LHG is currently available in 45 states and the District of Columbia. It’s not available in California, Washington state, Wyoming, Illinois, Wisconsin or the Upper Peninsula of Michigan.

The Bottom Line

Whether you’re looking for home maintenance resources or something extra to sweeten the pot in your home sale, a home warranty can be a great option. It’s important to note that the right plan for you is dependent on the age of your home and the types of appliances and systems you want covered. Liberty Home Guard provides a great option at an affordable price.

If you’re ready to get started with a home warranty, head over to Liberty Home Guard. You can also check out this resource for moving homeowners and getting settled in a new home.

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Kevin Graham

Kevin Graham is a Senior Blog Writer for Rocket Companies. He specializes in economics, mortgage qualification and personal finance topics. As someone with cerebral palsy spastic quadriplegia that requires the use of a wheelchair, he also takes on articles around modifying your home for physical challenges and smart home tech. Kevin has a BA in Journalism from Oakland University. Prior to joining Rocket Mortgage he freelanced for various newspapers in the Metro Detroit area.