Liberty Home Guard Review (February 2024)


Better customer reviews than the competition
Covers up to two portable window air conditioning units per home
More available add-ons (42 total) than the competition
Its A+ BBB rating was revoked recently
It’s only been in business since 2017

I would recommend using Liberty Home Guard because, for the average homeowner, Liberty is the most reliable choice and leaves plenty of room for customizable coverage options. If you value a company’s dedication to honorably fulfilling claims better than the competition, Liberty should serve you well.

Anyone who’s spent time in the world of home warranties knows that it can be difficult to find a reliable and trustworthy provider. In fact, home warranties often come with a stigma as they’ve grown a reputation for leaving customers high and dry. In spite of this, Liberty Home Guard has risen up the ranks and made a reputable name for itself in the home warranty industry, even though it’s only been in business since 2017. I’m just as skeptical as the next person when it comes to home warranties, but in this article, I aim to strip down the fluff associated with this industry and give my honest take on Liberty Home Guard.

While secret shopping, I’ve gotten quotes from Liberty Home Guard, talked to customer representatives, painstakingly reviewed sample contracts, and scoured the internet to find the most accurate customer reviews. I’ve also ranked Liberty according to Today’s Homeowner’s specific criteria, taking into account the company’s plans, coverage, affordability, reputation, customer service, and more. Read on to see how we ranked Liberty Home Guard and how it stacks up against the best home warranty companies.

Why Trust Us?

Here’s how we ranked and reviewed the nation’s top home warranty companies to bring you the most accurate information.

76

Our team of experts reviewed over 70 home warranty providers to compare plan options, coverage limits, prices, and customer feedback.

152

We collected over 100 sample quotes from dozens of home warranty companies to give you an accurate look at industry pricing.

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Our rating system scores providers based on 6 key factors: coverage options, affordability, customer experience, reputation, claims processes, and availability.

For more information, check out our Home Warranty Methodology page.


Liberty Home Guard: Best For Customization

Liberty Home Guard impressed me with its customizable coverage options and glowing online reviews. Most home warranty providers have overwhelmingly negative reviews on sites, but Liberty Home Guard scored 90% positive reviews on most sites, higher than any of the competition I researched.

Liberty also offers 42 add-on options (including uncommon options like trash compactors, casita guest units, and reverse osmosis water filtration systems), more than any other home warranty provider in the industry. Liberty Home Guard also covers up to two portable window air conditioning units per home, which almost every other competitor neglects.

First, and most importantly, Liberty Home Guard has received an increase in negative reviews recently, and its A+ rating was revoked by the BBB sometime in January 2024. It still has a 4.5/5 star rating overall, which is impressive in its own right, but its rating removal gives me pause. Liberty Home Guard isn’t overpriced, but its rates start higher than most of the competition. Its most affordable plan costs $49.99 a month, which may be an obstacle to those looking for cheaper coverage. Additionally, Liberty is a fairly new company that’s only been around since 2017, so it lacks the decades of experience that other providers have. First American Home Warranty has been around for more than 35 years, and American Home Shield has been in business for more than 50 years, so that puts Liberty’s newness in perspective.

Today’s Homeowner Tips

Be sure to shop around and get multiple quotes from different home warranty providers before purchasing. Many companies have promotions over the phone that could save you money, so we recommend always calling a representative first to see if you can get a deal.


Liberty Home Guard Bottom Line: 

9.3/10

Liberty Home Guard impressed me with its 42 optional add-ons, many of which (grinder pump, freestanding ice maker, etc.) are options that other providers don’t offer. Also, in general, there’s less red tape around Liberty’s contract than I’ve seen with competitors during my research. There aren’t any nonstandard exclusions or limitations, so that’s a very good sign. Liberty is especially beneficial for homeowners who use window air conditioning units because it covers up to two portable window air conditioning units per home. Many other providers don’t cover AC  window units at all. 

Despite being a newer company, Liberty Home Guard has great customer reviews on sites like the Better Business Bureau. Most home warranty providers have a bad reputation, so the fact that Liberty Home Guard has 4.5/5 stars speaks volumes. Liberty’s BBB rating is currently NR, but it was previously an A+, and I will review it in a few weeks to see where it stands. Given my experience with Liberty Home Guard, I would feel comfortable purchasing the Total Home Guard plan since it’s a good bargain for comprehensive coverage. However, the Appliance Guard plan is a bit overpriced, and the Systems Guard plan is basically the same price as the comprehensive coverage. If you’re interested in Liberty Home Guard, I recommend spending the extra $5 to $10 and getting the Total Home Guard plan.


Liberty Home Guard Plans and Costs 

10/10

We gave Liberty Home Guard a 10 for its home warranty plans and coverage because of its wide range of add-ons and affordable comprehensive coverage. The Appliance Guard plan is a bit pricy for a plan that doesn’t cover any home systems, but the Total Home Guard plan is a major bargain since it’s only $5 more expensive than the Systems Guard plan. I recommend the Total Home Guard plan since it’s a great deal for comprehensive coverage. However, I would shy away from the Appliance Guard plan because it’s not a great value for the money. If you only want to cover your appliances, the ShieldGold plan from American Home Shield is a better bargain at only $29.16. Liberty Home Guard’s plan options are outlined in the chart below.

Plan Monthly Cost Service Fee Available Discounts
Systems Guard $54.99 $65 – $125 $225 offTwo free bonus months (with annual billing)Free limited roof leak protection
Total Home Guard $59.99 $65 – $125 $225 offTwo free bonus months (with annual billing)Free limited roof leak protection
Appliance Guard $49.99 $65 – $125 $225 offTwo free bonus months (with annual billing)Free limited roof leak protection
Disclaimer: The cost data mentioned in this article was sourced for a single-family home, 2 BR, under 5,000 square feet, in Houston, TX.
Available Add-Ons

The following add-ons are available for all plans:

  • Additional Spa – $9.99
  • Carpet Cleaning – $19.99
  • Casita Guest Unit – $35.99
  • Central Vacuum – $8.99
  • Ejector Pump – $14.99
  • Electronics Protection – $19.99
  • Freestanding Ice Maker – $14.99
  • Generator – $19.99
  • Grinder Pump – $14.99
  • Gutter Cleaning – $14.99
  • Ice Maker (In-Fridge) – $3.99
  • Instant Hot Water Dispenser – $9.99
  • Lawn Sprinkler System – $9.99
  • Lighting Fixtures $7.99
  • Limited Roof Leak – $11.99
  • Pest Control – $14.99
  • Plumbing Fixtures – $7.99
  • Pool And Spa – $19.99
  • Power Washing (Exterior Flooring) – $19.99
  • Pro-Series Clothes Dryer – $4.99
  • Pro-Series Dishwasher – $7.99
  • Pro-Series Microwave – $4.99
  • Pro-Series Range/Oven/Cooktop – $12.99
  • Pro-Series Refrigerator – $14.99
  • Pro-Series Stand-Alone Freezer – $14.99
  • Pro-Series Washing Machine – $4.99
  • Re-Key – $9.99
  • Reverse Osmosis Water Filter System – $14.99
  • Saltwater Pool – $23.99
  • Second Refrigerator – $7.99
  • Septic System Pumping – $12.99
  • Stand-Alone Freezer – $5.99
  • Sump Pump – $8.99
  • Swamp Cooler – $14.99
  • Trash Compactor – $7.49
  • Tv Mounting (Up To 65-Inch Tvs) – $14.99
  • Tv Mounting (Up To 85-Inch Tvs) – $19.99
  • Water Dispenser Water Line – $4.99
  • Water Softener – $13.99
  • Well Pump – $12.99
  • Window Washing/Cleaning – $19.99
  • Wine Cooler/Fridge – $11.99

I find roof leak coverage especially beneficial because leaks are some of the most common damages to homes, but this may vary depending on where you live. If you live in a particularly dry, warm climate, the lawn sprinkler system add-on may make more sense to keep your lawn healthy and green despite the scorching temperatures. However, if you live in an area where it rains a lot, the roof leak coverage, although limited, can be a benefit to your home. On the other end of the spectrum, the TV mounting coverage is unnecessary because a new TV mount is inexpensive, and the monthly price is a lot for an add-on.

Exclusions

The following exclusions apply to all of Liberty’s plans:

  • Any kind of valve or leak
  • Chimneys and exhausts
  • Damage caused by improper installation
  • Damage caused by pests or mold
  • Damage caused by rust or corrosion
  • Disposal of old systems or appliances
  • Glass parts
  • Installation of systems or parts
  • Known or unknown preexisting conditions
  • Lighting
  • Luxury or commercial-grade systems and appliances
  • Poorly maintained systems or appliances
  • Routine maintenance
  • Solar systems
  • “Smart” components and parts

These exclusions are standard in the industry and match most of what I found with competitors.


Liberty Home Guard Affordability 

8.9/10

Liberty Home Guard is a bit pricier than other providers in the industry, but not by much. Its Total Home Guard plan ($59.99/month) is about $5 to $10 more expensive than the competitors’ comprehensive plans. Still, it’s not as expensive as some premium monthly options from AFC Home Club ($89) and First American Home Warranty ($72). While the systems-only plan and the appliance-only plan are a bit overpriced, the comprehensive plan is a great value.

The customer representative I spoke to stated that there was a service fee discount for policies purchased over the phone, bringing my service fee price down by a whopping $40. This may not be the case for every policy or every location, so keep in mind that your individual service fees and monthly rates will vary. However, I recommend calling first and asking if there’s a discount for purchasing your policy over the phone.

Be sure to read the entire Liberty Home Guard sample contract to learn all the details about your plan and any terms that apply specifically to residences in your home state.

Disclaimer: The cost data mentioned in this article was sourced for a single-family home, 2 BR, under 5,000 square feet, in Houston, TX.


Liberty Home Guard Customer Experience

7.8/10

Liberty Home Guard ranks fairly well amongst the competition when it comes to its customer experience. In general, its agents are very informative and helpful, but they aren’t always fully transparent when pitching the contract to customers. This is common in the industry since most of the companies don’t highlight glaring red flags in the sample contract. However, Liberty’s agents are still very knowledgeable and responsive to questions. Most complaints on review sites were regarding items not being covered under warranty and the long waiting period (30-60 days) in the sample contract, so we gave Liberty a 7.8 out of 10.


Liberty Home Guard Company Reputation

9.1/10

Liberty Home Guard has particularly high scores on most customer review sites, making them an extremely reliable choice. I can’t stress enough how rare it is to find a company with more than 90% positive reviews on any site, let alone three different review sites. In an industry plagued by negative reviews, Liberty Home Guard is truly an outlier. However, I do want to highlight that Liberty Home Guard’s current BBB status has shifted from an A+ to NR or “Not-Rated. We reached out to a representative from the Better Business Bureau, and they said, “This business is not currently rated. BBB has recently received numerous complaints against this business and will issue a rating after it has fully evaluated them.” When asked about whether they revoke ratings after an increase in complaints, the rep said, “Yes, if they feel they need to review the complaints first before issuing an accurate rating.”  Keep in mind that the BBB has changed LHG’s rating from graded to NR a few times in the past two years. The last grade before the current NR was an A+.

Most customers praised Liberty Home Guard for its diligent customer representatives and prompt service. On the other hand, the complaints were typically about Liberty not covering certain items or being slow to address repairs. Yelp told a very different story than some of the other review sites, though it’s not surprising because many customers only choose to write a review if they’ve had a bad experience. Additionally, Yelp is traditionally popular with reviewing restaurants and small businesses instead of contractors and warranty/insurance companies, so Yelp isn’t as well-rounded as sites like Trustpilot and BBB for this industry. These complaints are common to the industry, showing that even for a company with 90% positive reviews, there are still some issues to watch out for.

Rating Site Rating % Positive Reviews # of Complaints
BBB NR (not accredited) 90% 855
Trustpilot A 93% 155
Google A 94% 290
Yelp F 8% 44

Liberty Home Guard Claims Process

10/10

Liberty Home Guard has a standard claims process, allowing you to submit your claim by phone or online 24/7. Liberty will aim to contact a technician within 24 to 48 business hours, but its average claim response time is 12 hours.

In most cases, Liberty Home Guard pays claims in a timely manner and sends technicians within a reasonable window of time. There are occasional customer complaints where an item isn’t covered, or a  technician isn’t dispatched within a reasonable time. Still, these are the exception rather than the rule. Simply put, no other company I’ve researched has a more reliable claims process than Liberty Home Guard. 


Liberty Home Guard Availability

10/10

Liberty Home Guard is available in all 50 states, giving it a perfect score for national availability. Even if you only need a home warranty policy for your state, nationwide availability is typically a sign that a company is more established and has a wider network of technicians that can service your home. Although availability isn’t the most important factor, it can be a sign of the company’s legitimacy and ability to function across the entire country.


Liberty Home Guard vs. The Competition

Company Star Rating Best For Monthly Cost Service Fee Response Time BBB Rating

VISIT SITE

Best for Customization

$50-$60

$75

12-48 hrs.

A

Best Coverage Limits

$35–$75

$100–$125

24-72 hrs

B

VISIT SITE

Best Customer Ratings

$44.99-$58.99

$70

48 hours

A+

choice home warranty logo

VISIT SITE

Best Claims Acceptance

$46–$55

$85

24-48 hrs.

B

select home warranty logo

VISIT SITE

Best Value

$52–$58

$60

24-48 hrs.

B

VISIT SITE

Best for Additional Benefits

$38–$62

$75–$125

48 hours

B

first american logo

VISIT SITE

Best Appliance Coverage

$38–$48

$75–$125

48 hours

B

Best for Preventative Maintenance

$28–$68

$100–$150

2–24 hrs

B

Liberty Home Guard Vs. American Home Shield

Liberty Home Guard scored better than American Home Shield in every category except customer experience, but there’s more to dig into. What I liked most about American Home Shield was its affordable coverage, which starts at just $20.99, and its high coverage limits for appliances and home systems. While Liberty Home Guard and American Home Shield are neck and neck when it comes to comprehensive price, American Home Shield offers more affordable starting plans. Also, American Home Shield has a $5,000 HVAC coverage limit and a $4,000 appliance coverage limit on its ShieldPlatinum plan, which is $2,000 to $3,000 more than Liberty.

However, Liberty has better customer reviews than American Home Shield, making it the more trustworthy choice. I would still recommend Liberty Home Guard to homeowners who want comprehensive coverage because Liberty’s reputation and customer review scores are second to none. Still, for homeowners who want a budget-friendly plan for limited coverage, I would recommend American Home Shield as one of the cheapest home warranty companies. Additionally, I would recommend American Home Shield to homeowners who have appliances that cost more than $2,000 because its coverage limits are much higher than Liberty’s.

Provider Subscores (10 Point Scale) Liberty Home Guard American Home Shield
Plans and Coverage 10.0 9.0
Affordability 8.9 8.7
Customer Experience 7.8 8.4
Company Reputation 9.1 7.7
Claims Process 10.0 8.4
Availability 10.0 10.0
Overall 9.3 8.6

Liberty Home Guard Vs. American Home Shield

Liberty Home Guard Vs. Choice Home Warranty

Liberty Home Guard scored better than or equal to Choice Home Warranty in every category of our research, but that doesn’t mean there’s no reason to reconsider your provider choice. While Liberty excels in its plan selection and available add-ons, Choice Home Warranty excels in customer service. CHW has a four-hour guarantee stating that after you submit a service request, they’ll reach out to available service providers within just four hours. Most competitors try to reach out to a service technician within 24 to 48 hours, and they don’t have an outright guarantee, so Choice Home Warranty is much quicker.

However, Choice Home Warranty is currently subject to a class-action lawsuit filed by the Arizona Attorney General’s Office in 2019. It also has more complaints on review sites, mainly saying the company denies some claims in bad faith. Although the pricing for both companies is comparable, I would still recommend Liberty Home Guard because of its reliability and reputation. Choice Home Warranty simply can’t match the trustworthiness of Liberty Home Guard, and seeing firsthand how Liberty treats its potential customers, I have much more confidence in the company.

Provider Subscores (10 Point Scale) Liberty Home Guard Choice Home Warranty
Plans and Coverage 10.0 8.3
Affordability 8.9 8.9
Customer Experience 7.8 7.8
Company Reputation 9.1 8.3
Claims Process 10.0 8.8
Availability 10.0 10.0
Overall 9.3 8.5

Choice Home Warranty Review

Liberty Home Guard Vs. Select Home Warranty

Select Home Warranty scores higher than Liberty Home Guard in affordability and customer experience but by very small margins. While Select is more affordable than Liberty, its plans are only around $5 to $10 less a month. Plus, a low monthly rate isn’t everything. Liberty offers more add-ons than Select, and its appliance coverage limits are $1,500 higher.

However, Liberty scores higher than Select in every other category. I read through Select’s entire sample contract, so I know that Select Home Warranty has low appliance coverage limits and strict terms and conditions for claims, which is reflected in its low claims process score. I recommend Liberty Home Guard to customers because the customer satisfaction it offers is worth the extra $5 to $10 a month.

Provider Subscores (10 Point Scale) Liberty Home Guard Select Home Warranty
Plans and Coverage 10.0 8.3
Affordability 8.9 9.1
Customer Experience 7.8 8.1
Company Reputation 9.1 8.0
Claims Process 10.0 7.6
Availability 10.0 10.0
Overall 9.3 8.4

Select Home Warranty Review


Who Is Liberty Home Guard Best For?

Liberty Home Guard is best for homeowners who have a lot of appliances that aren’t covered by other home warranty companies and for those who value a company’s reputation. Liberty Home Guard has more customizable add-on options than any other competitor in the industry, and I was very impressed by the sheer number of covered items offered.  Better yet, while other home warranty companies have some unseemly customer reviews that may deter cautious shoppers, Liberty Home Guard scored higher than any other competitor when it comes to its company reputation. The home warranty industry is notoriously riddled with complaints, so Liberty Home Guard’s stand-out reputation is great for peace of mind.

If you’re still deciding if home warranties are worth it for you, read our deep-dive home warranty guide on the pros and cons of home warranty policies. 

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FAQs About Liberty Home Guard

Is Liberty Home Guard Legit?

Liberty Home Guard is a legitimate home warranty company that operates throughout the United States.


How Much Does Liberty Home Guard Cost?

Liberty Home Guard costs about $55 per month on average, depending on where you live and excluding service fees. Read our pricing guide to learn more about how much a home warranty costs.


What Does Liberty Home Guard Cover?

Liberty Home Guard offers coverage for the following systems and appliances:

  • Additional Spa 
  • Air Conditioning
  • Appliances:
  • Built-in Microwave Ovens
  • Carpet Cleaning 
  • Casita Guest Unit 
  • Ceiling and Exhaust Fans
  • Central Vacuum 
  • Clothes Dryer
  • Clothes Washer
  • Dishwashers
  • Ductwork
  • Ejector Pump 
  • Electrical
  • Electronics Protection
  • Freestanding Ice Maker 
  • Garage Door Openers
  • Garbage Disposals
  • Generator 
  • Grinder Pump
  • Gutter Cleaning 
  • Heating
  • Ice Maker (In-Fridge) 
  • Instant Hot Water Dispenser 
  • Kitchen Refrigerator
  • Lawn Sprinkler System 
  • Lighting Fixtures
  • Limited Roof Leak 
  • Pest Control
  • Plumbing
  • Plumbing Fixtures 
  • Pool And Spa
  • Power Washing (Exterior Flooring)
  • Pro-Series Clothes Dryer
  • Pro-Series Dishwasher 
  • Pro-Series Microwave
  • Pro-Series Range/Oven/Cooktop 
  • Pro-Series Refrigerator
  • Pro-Series Stand-Alone Freezer
  • Pro-Series Washing Machine 
  • Ranges/Ovens/Cooktops
  • Re-Key 
  • Reverse Osmosis Water Filter System 
  • Saltwater Pool
  • Second Refrigerator 
  • Septic System Pumping 
  • Stand-Alone Freezer 
  • Sump Pump
  • Swamp Cooler
  • Trash Compactor
  • TV mounting (Up To 65-Inch Tvs)
  • TV mounting (Up To 85-Inch Tvs)
  • Water Dispenser Water Line
  • Water Heaters
  • Water Softener
  • Well Pump
  • Window Washing/Cleaning 
  • Wine Cooler/Fridge

Liberty Home Guard has the following exclusions on all plans:

  • Any kind of valve or leak
  • Chimneys and exhausts
  • Damage caused by improper installation
  • Damage caused by pests or mold
  • Damage caused by rust or corrosion
  • Disposal of old systems or appliances
  • Glass parts
  • Installation of systems or parts
  • Known or unknown preexisting conditions
  • Lighting
  • Luxury or commercial-grade systems and appliances
  • Poorly maintained systems or appliances
  • Routine maintenance
  • Solar systems
  • “Smart” components and parts

If you want to learn more about what a home warranty covers, read our informative home warranty coverage guide.


How Do You Cancel Liberty Home Guard?

To cancel your policy with Liberty Home Guard, you can call Liberty at (866) 465-2403, email them at accounts@libertyhomeguard.com, or log in to your online customer portal, select the ‘Policy Details’ tab, and find a link titled ‘Cancel Coverage.’



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