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Published: Feb 28, 2024 13 min read

A home warranty can be a cost-effective way to maintain your home's appliances and systems. This type of service contract can cover the cost of repairing or replacing major home items and reduce your out-of-pocket expenses.

Liberty Home Guard (LHG) stands out for offering competitive home warranty plans plus optional coverage for over 40 different home appliances and systems, including rarely covered items and maintenance services such as lawn sprinkler systems, guest units and pest control.

Below is our in-depth review of Liberty Home Guard, one of our picks for the best home warranty companies. We include information about its plans and coverage, optional add-ons, coverage limits, availability and common customer complaints.

Table of Contents

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  • Home warranty plans 
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Liberty Home Guard overview

Liberty Home Guard is a New York-based home warranty company operating in all 50 states and the District of Columbia. Its plan pricing is on par with most home warranty companies, but it can get costlier if you opt for many of the add-ons it offers.

Pros
  • Offers a large selection of optional add-ons
  • Technicians are "LHG" certified and are thoroughly vetted to operate on the platform
  • 60-day workmanship guarantee
Cons
  • Doesn't cover most appliance accessories like racks or shelves
  • Doesn’t cover commercial equipment or luxury brands.

Liberty Home Guard plans

Liberty Home Guard offers three different coverage plans:

  • Systems Guard plan
  • Appliance Guard plan
  • Total Home Guard plan

The first two plans offer coverage only for systems and appliances, respectively, whereas Total Home Guard covers both.

You can choose to pay annually or monthly for all three plans, but customers who opt for an annual membership get two months for free, meaning you pay for 10 months instead of 12.

Liberty Home Guard lets you choose your own service contractor with previous authorization, a perk few home warranty companies offer. Liberty also has a large network of licensed contractors it can dispatch for service requests.

Liberty has a fixed service call fee of $90 per claim and caps payouts at $2,000 per covered item.

The company doesn’t require inspections of your home systems or appliances to be eligible for coverage. Also, it will cover your appliances and systems regardless of their age.

Liberty Home Guard coverage

Liberty Home Guard home warranty plans include coverage for the following items:

Appliance Guard 
(Starts at around $59.99/mo*)

Systems Guard
(Starts at around $64.99/mo*)

Total Home Guard
(Starts at around $69.99/mo*)

  • Clothes washers
  • Clothes dryers
  • Kitchen refrigerators
  • Built-in microwave ovens
  • Dishwashers
  • Garbage disposals
  • Ranges
  • Ovens
  • Cooktops
  • Ceiling and exhaust fans
  • Garage door openers
  • Air conditioning
  • Heating
  • Ductwork
  • Plumbing
  • Electrical
  • Water heaters
  • Air conditioning
  • Heating
  • Ductwork
  • Plumbing
  • Electrical
  • Water heaters
  • Clothes washer
  • Clothes dryers
  • Kitchen refrigerators
  • Built-in microwave ovens
  • Dishwashers
  • Garbage disposals
  • Ranges
  • Ovens
  • Cooktops
  • Ceiling and exhaust fans
  • Garage door openers

Optional add-ons

Liberty Home Guard is one of the few home warranty companies that offer coverage for over 40 add-ons, including:

  • Pool & spa
  • Septic system pumping
  • Sump pump
  • Well pump
  • Central vacuum
  • Additional spa
  • Lighting fixtures
  • Limited roof leaks
  • Re-key
  • Gutter cleaning
  • Pest control
  • Carpet cleaning
  • Trash compactor
  • TV mounting
  • Electronics
  • Window washing
  • Power washing
  • Casita guest unit
  • Hot water dispenser
  • Stand alone freezer
  • Ice maker
  • Wine cooler
  • Ejector pump
  • Plumbing fixtures
  • Osmosis water filter system

Each of these add-ons comes with a fee ranging from $3.99 to $24.99 a month.

Liberty Home Guard coverage limits

Coverage limits are the maximum amount the home warranty company will pay out if a covered appliance or system is in need of repairs or replacement or if there’s a malfunction diagnosis. These limits vary from company to company.

According to the Liberty Home Guard sample contract, the company covers a maximum of $2,000 per covered item and $500 for additional optional items. Coverage limits are reset every year, once you renew your home warranty.

These are other coverage caps Liberty Home Guard includes:

Covered Item

Coverage Limit

Repair, replacement or diagnosis of most covered items

$2,000

Plumbing

$500

Electrical

$500

Pool and/or spa equipment

$500

Septic system

$500

Well pump

$500

Sump pump

$500

Central vacuum

$500

Standalone freezer

$500

Second refrigerator

$500

Limited roof leak

$500

Water softener

$500

A/C refrigerant

$10 per pound

What Liberty Home Guard doesn’t cover

Liberty Home Guard doesn't cover damage due to improper installation, negligence, lack of maintenance or a natural disaster. The company doesn’t cover any known or unknown pre-existing conditions, either.

In addition, Liberty Home Guard doesn’t cover the following events or items:

  • Routine maintenance
  • Luxury appliances from brands such as La Cornue, Lacanche. KitchenAid, THG Paris, among others.
  • Flue chimneys, vents and exhaust lines
  • Smart, internet-enabled, computerized or electronic components
  • Filters
  • Lighting, including lights, fixtures, lamps and bulbs.
  • Solar power systems and appliances
  • Disposal of appliances, systems or components
  • Glass parts or components
  • Noise
  • Thermometers
  • Racks, shelves, handles, knobs, hinges, doors and door gaskets

LHG only covers appliances or systems subjected to normal wear and tear. If you are unsure about what voids a home warranty, contact a Liberty Home Guard representative or review the company’s sample contract for more details.

Liberty Home Guard availability

State availability

Liberty Home Guard is licensed and operational in all 50 states, as well as Washington, D.C.

Contact information

Liberty Home Guard’s customer service is available 24 hours a day, seven days a week.

To request service, you can call LHG at (866) 396-5837 or log into your Liberty Home Guard portal to submit a request. After paying your service fee, you’ll be contacted by a local contractor to set up an appointment.

You can also contact customer service by phone at (866)-698-7271, via email at service@libertyhomeguard.com or live chat on the company’s website.

User experience

Liberty Home Guard’s website is intuitive and easy to navigate. Information about its plans, coverage and add-ons is readily available, including specifics about parts and components that aren't covered for each system or appliance.

New customers can request a quote and purchase a home warranty plan completely online. Current customers have access to the Liberty Home Guard app and the online customer portal, which allow you to:

  • File a claim, and view the claim status and history
  • View, renew, or upgrade your policy
  • View your payment history and update your payment information
  • Access your account summary

Liberty Home Guard lets you cancel your policy at any time, however, it charges a $50 cancellation fee when you do.

Unlike many other home warranty providers, Liberty Home Guard doesn’t offer an initial 30-day period to cancel without charges, meaning that the cancellation fee applies even if you cancel within the first 30 days of signing your contract. However, LHG offers a full refund minus any claims paid (and the cancellation fee) if you cancel your policy within the first 30 days. If you cancel after this period, a prorated refund is available.

Liberty Home Guard credentials

Regulatory or legal actions

As of this writing, we found a case filed against Liberty Home Guard in February 2020 regarding the Telephone Consumer Protection Act (TCPA). According to the complaint, Liberty Home Guard initiated robocalls and texts to personal cell phones, even though consumers were on the National Do Not Call Registry.

We also found another case against Liberty Home Guard regarding the TCPA from March 2023.

Although we always try to include the latest and most accurate information on regulatory and legal actions, we don’t claim this information is complete or fully up to date. As always, we recommend you do your own research as well.

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Liberty Home Guard customer satisfaction

Third-party ratings

  • Better Business Bureau (BBB): 4.51 out of 5 average based on 2,538 customer reviews.

Customer complaints

The Liberty Home Guard average customer rating on the BBB is fairly high compared to other home warranty companies. Although LHG isn’t currently accredited by the BBB, it has an A rating, which is the second-highest rating the BBB assigns to businesses.

The company has positive customer feedback on various rating websites. Some persistent customer complaints regard issues with:

  • Lengthy claims processing
  • Inability to schedule a visit with contractors and technicians after making a claim
  • Confusion about what is covered versus what is not covered
  • Low coverage caps
  • Constant runaround when customers have complaints or problems with service calls

The research above is based on data that was available at the time of publication.

Liberty Home Guard comparisons

Like Liberty Home Guard, there are other home warranty companies that offer affordable pricing and comprehensive coverage.

Here’s how Liberty Home Guard compares to two other major home warranty companies: American Home Shield and Choice Home Warranty.

Liberty Home Guard vs. American Home Shield

Compared to Liberty Home Guard, American Home Shield stands out for its higher coverage caps for HVAC systems and appliances, though its plans are less customizable because they offer fewer.

American Home Shield offers three tiered plans: ShieldSilver, ShieldGold and ShieldPlatinum, which cover a combination of systems and appliances. Unlike Liberty Home Guard, it doesn’t offer system or appliance-only plans.

American Home Shield covers up to $5,000 for air conditioning and heating systems regardless of the plan you choose, and up to $4,000 per covered appliance for customers enrolled in its premium plan, ShieldPlatinum.

However, American Home Shield’s lower-tiered plans, ShieldSilver and ShieldGold, have a maximum coverage cap of $2,000, the same as what Liberty Home Guard offers for repair, replacement or diagnosis of most covered items.

Company

Plan pricing

Service call fee

(or deductible)

Availability

BBB Rating

$59.99 - $69.99*

$90

50 states

NR

$29.99 - $89.99*

$100, $125

Contiguous US

B

Read the full American Home Shield review

Liberty Home Guard vs. Choice Home Warranty

One of Choice Home Warranty's main advantages is its affordability. The company features two plans — Basic Plan and Total Plan — with prices ranging from around $46 to $55 a month.

Choice Home Warranty’s plans cover a mix of both home systems and appliances. Unlike Liberty Home Guard, it doesn’t offer system- or appliance-only plans. Instead, Choice’s Basic Plan covers all major appliances and home systems, except for air conditioning, refrigerators, clothes dryers and washers which are part of the Total Plan.

Choice’s optional coverage is limited compared to the more than 40 add-ons Liberty Home Guard lets you include in your home warranty plan. However, Choice lets you add coverage for roof leaks and popular home items, such as pools, standalone freezers and sump pumps.

Choice Home Warranty isn’t accredited with the BBB and, according to its profile, the company currently has a pending government action from the Arizona Attorney General for alleged consumer fraud, including claims of making false promises.

Company

Plan Pricing

Service call fee

(or deductible)

Availability

BBB Rating

$59.99 - $69.99*

$90

50 states

NR

$46 - $55*

$85

49 states

C

Read the full Choice Home Warranty review

Explore other home warranty options

Check our reviews for other home warranty companies you can consider:

Liberty Home Guard FAQs

What is Liberty Home Guard?

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Liberty Home Guard is a home warranty provider that covers appliances and systems in case of breakdown or failure.

Is Liberty Home Guard Any Good?

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Liberty Home Guard has fairly positive reviews and ratings on third-party sites like the Better Business Bureau. While it isn’t currently accredited by the BBB, the company has an A rating. Check our review for more information on common customer complaints.

What does Liberty Home Guard Cover?

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Liberty Home Guard offers three home warranty plans that cover repairs or replacement of major home items, such as kitchen appliances and HVAC systems. The company has systems-only and appliance-only plans, and a comprehensive plan that covers both. In addition, Liberty Home Guard offers coverage for over 40 add-ons, including ejector pumps, electronics, guest units and water filter systems.

How much is the service call fee for Liberty Home Guard?

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Liberty Home Guard charges a $90 service fee per claim. The service call fee is the deductible you pay whenever you request a home warranty service.

What is the response time for Liberty Home Guard?

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Liberty Home Guard claims it has a response time of 48 hours, well within the industry standard. Response time is the amount of time a home warranty company may take to process your claims and dispatch a service technician. This time is typically higher during weekends and holidays.

How we evaluated Liberty Home Guard

We evaluated Liberty Home Guard based on the following factors:

  • Services offered: We looked into the company’s coverage, plans, and limitations and compared them to competitors.
  • Cost: We compared pricing and coverage offerings to determine the cost-effectiveness of Liberty Home Guard’s plans.
  • Availability: We preferred companies with nationwide coverage or that service at least 30 states.
  • Legal actions: We checked whether there were any legal or regulatory actions against Liberty Home Guard.
  • Customer service: We looked into satisfaction ratings and online customer reviews to get a better understanding of customers' experiences.

Summary of Money’s Liberty Home Guard Review

Liberty Home Guard offers different home warranty plans for your budget, and also has a large selection of add-ons for even more customized coverage.

Add-ons include rarely covered items such as electronics, lawn sprinkler systems, saltwater pools, generators and guest units. It also lets you add home maintenance services to your policy, such as pest control, carpet cleaning and gutter cleaning.

The company is available in all 50 states. While not currently accredited by the BBB, Liberty Home Guard has an “A” rating and fairly positive reviews. Customers can manage their accounts and request services through the online customer portal, the Liberty Home Guard app or over the phone. You can also request a free quote online and look at the sample service contract.

As always, we recommend you do your own research and compare it with other home warranty companies before deciding whether Liberty Home Guard offers the coverage you need.

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