Liberty Home Guard Reviews 2022
Liberty Home Guard
Liberty Home Guard is a home warranty company based in New York that serves flexible plans to its clients across the United States. Find out more about the company’s coverage, pricing, customer service, policy features, and other crucial details in this Liberty Home Guard review to determine if it’s right for you.
Our Verdict: Liberty Home Guard claims to be able to provide services for less than $1 a day. The company also has a network of certified and trained technicians or contractors who have undergone a 10-point verification procedure. In addition, we believe that ‘A’ and 4.62/5 ratings from BBB make LHG a viable option for home warranty buyers.
Pros
- Offers workmanship guarantee of 60-days
- Provides extensive add-on coverage
- Offers live chat option
Cons
- Does not offer services in Washington and Wisconsin
- Comparatively new in the market; low in experience
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Liberty Home Guard Plans
Liberty Home Guard offers three plans to the homeowners- Systems Plan, Appliance Plan, and Total Home Guard. Apart from the regular plans, you can opt to purchase items from an extensive list of 43 add-ons.
The table below contains the coverage details of LSG’s three main plans:
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Systems Guard This plan provides coverage for six major home systems.
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Total Home Guard This is a combo plan that includes everything from systems and appliances plans.
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Appliance Guard This plan covers ten primary kitchen and general home appliances.
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How Much Does Liberty Home Guard Warranty Cost?
The total cost of your Liberty home guard warranty will depend on the selected plan, your area of residence, and the added optional coverage. However, the average costs of Liberty Home Guard plans are as follows:
| Plans | Monthly Cost | Annual Cost |
| Appliance Guard | $35.00 | $374.99 |
| Systems Guard | $44.99 | $424.99 |
| Total Home Guard | $50.00 | $474.99 |
If you include any optional item, the monthly cost will range between $4.20–$17 and annually it will be $44 – $195. Liberty Home Guard charges a $90 “per claim fee,” deductible, or service fee.
Liberty Home Guard Discounts
Liberty Home Guard offers $200 off with two free bonus months and free roof leak protection with all of its plans.
Liberty Home Guard Coverage
To better understand Liberty Home Guard’s coverage, take a look at this:
Systems Guard
- Air Conditioning
- Heating
- Ductwork
- Plumbing
- Electrical
- Water Heater
Appliance Guard
- Clothes Washer
- Clothes Dryer
- Kitchen
- Refrigerator
- Built-in Microwave Oven
- Dishwasher
- Range/Oven/
- Cooktop
- Garbage Disposal
- Ceiling and Exhaust Fans
- Garage Door Opener
Total Home Guard
Items included in Systems Guard + Appliance Guard
Optional Add-ons
Liberty Home Guard offers protection for the following add-on items that you can purchase separately in exchange for an extra cost.
- Pool and/or Spa Equipment
- Septic System Pumping
- Well Pump
- Sump Pump
- Central Vacuum
- Stand Alone Freezer
- Second Refrigerator
- Limited Roof Leak
- Water Softener
- Re-Key
- Additional Spa
- Lighting Fixtures
- Gutter Cleaning
- Pest Control
- Carpet Cleaning
- Trash Compactor
- Lawn Sprinkler System
- Electronics Protection
- Swamp Cooler
- Ejector Pump
- Ice Maker (In-Fridge)
- Freestanding Ice Maker
- Wine Cooler/Fridge
- Salt Water Pool
- Generator
- Plumbing Fixtures
- Grinder Pump
- Water Dispenser Water Line
- Instant Hot Water Dispenser
- Reverse Osmosis Water Filter System
- Pro-Series Refrigerator Coverage
- Pro-Series Range/Oven/CookTop Coverage
- Pro-Series Dishwasher Coverage
- Pro-Series Microwave
- Pro-Series Washing Machine
- Pro-Series Clothes Dryer
- Window Washing/Cleaning
- Casita Guest Unit
Learn more about what a home warranty plan covers in our detailed article!
Liberty Home Guard Exclusions
Your Liberty Home Guard agreement has some exclusions. It does not cover:
- Electronic, computerized, or internet-based parts
- Vents, exhaust lines, and chimneys
- Remote receiving or transmitting devices
- Cosmetic defects
- Glass parts and components
- Any costs associated with refrigerant
- Construction and carpentry costs
- Accidents, fire, floods, water damage, electrical failure, and Acts Of God
- Defects in manufacturing, construction, or production
- Known and unknown pre-existing conditions
Additionally, your Liberty home warranty includes yearly coverage limitations or dollar limits. These are:
- The cost of diagnosing, repairing, or replacing all eligible items during your contract period is restricted to $2,000 per item.
- In the first 90 days, the coverage limit for electrical, plumbing, and optional items is $250. After that, limits will climb to $500.
- Coverage for R-410A refrigerant is limited to $10 per pound of refrigerant.
NOTE: There may be other exclusions and limitations to your LHG contract. We recommend you read the sample contract thoroughly before purchasing the warranty.
How To Buy Home Warranty From Liberty Home Guard?
You can purchase a Liberty Home Guard warranty plan on its own or on our website. You can quickly get a free quote from HomeWarrantyReviews and decide on your home warranty purchased by reading the fine print thoroughly and ensuring you understand Liberty’s offerings.
Although, a homeowner must be aware of some factors influencing a purchase choice. Check those out in our post on how to buy a home warranty.
How do I file a Claim with Liberty Home Guard?
To request a service from Liberty Home Guard, you need to keep the following in mind:
- You can file a claim 24/7 by logging into your account on Liberty’s website. You can file a Liberty Home warranty claim through this portal, view the claim status and history, and renew or upgrade your policy. You can also keep track of your payment history.
- You can also call LHG’s phone number;(866) 912-0471.
- During normal circumstances, the technician will arrive within two business days of receiving your service request.
- Liberty Home Guard has the right to schedule the service technician for repairs and replacements. You cannot call your technician.
- If any repair or replacement fails within 60 days, the company will send another technician to fix the issue. You will not be required to pay for that service.
NOTE: Liberty Home Guard will not provide services until any due “per claim fees” or deductible and premiums are paid.
Liberty Home Guard vs. Competition
Here’s how Liberty Home Guard compares against other leading home warranty providers:
Liberty Home Guard vs. American Home Shield
- American Home Shield is the industry leader, whereas Liberty Home Guard is a relatively new company with less experience.
- AHS provides options on deductibles, while Liberty does not offer such services.
- Liberty offers systems & appliances-only plans that might appeal to people who want separate coverage.
Liberty Home Guard vs. Cinch Home Services
- In terms of coverage, Cinch covers an expansive list of systems and appliances compared to Liberty Home Guard.
- Cinch Home Services takes up to four days to respond to a claim.
- Cinch Home Services holds a B+ rating from BBB, whereas Liberty has an A rating.
Liberty Home Guard vs. Choice Home Warranty
- Choice Home Warranty offers a 90-Day part & 30-day labor guarantee, but Liberty’s services are limited to a 60-Day guarantee.
- In terms of extra services, Choice provides coverage for homes up to 5000 sq. ft. without an additional fee. Liberty Home Guard does not provide such services.
- Liberty has an extensive list of optional add-ons, where Choice provides coverage for only ten such items.
Liberty Home Guard vs. Select Home Warranty
- In terms of customer services, Select offers same-day responses on claims. On the contrary, Liberty takes upto two days.
- Select Home Warranty offers services in 46 states, whereas Liberty extended its services to two more, i.e., 48 states.
- Liberty also has a lower cancellation fee than Select Home Warranty.
Company Details
Liberty Home Guard is a privately held company registered as Liberty Home Guard LLC. It was founded in 2017 by Benjamin Joseph (current CEO) and is in its 5th year. The company's corporate office is at 4101 Avenue U, Brooklyn, NY.
Methodology
At HomeWarrantyReviews.com, we are dedicated to providing in-depth home warranty reviews so you can choose the best home warranty company & make the most out of it. We examine, compare, and analyze the companies on the following factors:
- Cost-effective: We compare the costs of home warranty plans and determine if those are cost-effective. The pricing includes monthly/annual premiums, deductibles, and customer discounts.
- Coverage: We compare the plans offered by different home warranty companies. The coverage includes systems, appliances, and additional offerings.
- Claims: We look at customer reviews and determine how satisfied they were with the claims filing procedure, settlement, and response times.
- Transparency: We verify if the home warranty company is licensed within the appropriate industry and offer details on the CEOs, contractors, and several settled claims.
- Uniqueness: We examine whether the company offers additional services, advantages, or coverage alternatives that set them apart from the competition.
- Customer Engagement: We assess the determination of home warranty companies responding to consumer problems in our Complaint Resolution Program.
Liberty Home Guard
Liberty Home Guard FAQs
Is Liberty Home Guard Part Of Liberty Mutual?
A.
Liberty Home Guard is not associated with Liberty Mutual, the insurer. They are a New York-based home warranty provider.
How Long Has Liberty Home Guard Been In Business?
A.
Liberty Home Guard was established in 2017, making it less than half a decade old.
Is Liberty Home Guard A Reputable Company?
A.
The Liberty Home Guard BBB rating and the good list of positive Google reviews continue to impress clients. Reviews on our site also indicate the popularity the company enjoys among homeowners.
How Does Liberty Home Guard Work?
A.
After reviewing the contract and plan offerings, you can buy from Liberty Home Guard. You can file a claim once 30 days have passed if any covered item breaks down. To be eligible for repairs and replacements, you’ll have to maintain the items as directed by the user manuals.
Liberty Home Guard Vs. American Home Shield: Which Is The Better Home Warranty?
A.
Considering American Home Shield coverage caps and experience in the market, we would recommend choosing them over Liberty Home Guard. The two companies are not too different in pricing, though the plan coverage is better for critical devices in AHS.
What Is The Deductible For Liberty Home Guard?
A.
The Liberty Home Guard deductibles vary from $60-$125 based on the residence, home type, etc.
Who Owns Liberty Home Guard?
A.
Benjamin Joseph is the co-founder and CEO of Liberty Home Guard.
Has The American Home Guard Rebranded Themselves As The Liberty Home Guard Now?
A.
It appears that the two companies are different. American Home Guard was a Pennsylvania-based company that shut down in 2018. Liberty Home Guard, the New York-based company, began operations the year before.
Does Liberty Home Guard Cover Roof Leaks?
A.
Yes, Liberty Home Guard Warranty covers limited roof leaks. Specifically, roof leak patching over the occupied living area of single-family homes. They don’t cover patios, metal roofs, shingles, cracked or missing material, tiles, tar and gravel, flat or built-up roofs, etc.
Is A Home Warranty Different From Homeowners Insurance?
A.
Yes, the two policies differ. Home insurance is not a service contract for repairs and replacements of worn-out systems and appliances, unlike a home warranty. Homeowners’ insurance covers property against liabilities due to thefts, property damage, fire, natural calamities, and more. They are complementary, not interchangeable.
How Long Does My Liberty Home Guard Contract Last?
A.
Liberty Home Guard offers its customers monthly, annual, and multi-year plans. You can choose any of these terms to fit your needs.
Does Liberty Home Guard Provide Coverage In The Event Of A Natural Disaster?
A.
No, if your appliance or system breaks down due to a natural disaster, Liberty Home Guard is not liable to provide coverage. Home warranties do not cover damage caused by a natural disaster, acts of God, or wilful neglect or misuse of appliances and systems.
Do I Need A Home Inspection Before Purchasing A Home Warranty From Liberty Home Guard?
A.
You are not required to undertake a home inspection or provide maintenance records to purchase any plan from Liberty Home Guard. However, we recommend getting one anyway to minimize the chances of claim denial for pre-existing conditions.
Does Liberty Home Guard Have An Age Limit On What It Will Cover?
A.
No, Liberty Home Guard does not refuse coverage based on the age of your home’s systems and appliances. So, you can purchase any of Liberty’s home warranty plans irrespective of your covered items’ age.
Can I Cancel My Liberty Home Guard Coverage If I'm Not Satisfied?
A.
You can cancel your policy anytime if unsatisfied with your Liberty Home Guard coverage plan. If you cancel your warranty within the first 30 days, LHG will refund your contract fees minus a small cancellation fee of $50 and the cost of claims paid. So, you essentially have a 30-day money-back guarantee.
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