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Home  /   Companies / Liberty Home Guard
Updated on May 30, 2023

Liberty Home Guard Reviews 2023

Established in 2017, Liberty Home Guard has made a name for itself in the industry quickly. In a few years, the company has managed to expand its presence in 49 states of the country. Liberty Home Guard has received positive responses from many of its customers, making it one of the most highly-rated companies on our platform.

LHG offers three plans for its customers, starting from $49.99. They have a plan each for systems and appliances and one combo plan that consists of both. The company also boasts of  a contractor network of over 10,000 certified and trained technicians. 

After conducting comprehensive research consisting of reading hundreds of user reviews, the company’s sample contract, and receiving expert inputs from our editorial team, we have composed a detailed Liberty Home Guard Review to help you with: 

Company At A Glance

Years In Business 6
Plan Costs $50-$60
Waiting Period 30-days
Coverage Limits $2k/Item
Service Fee $90
Option To Pick Your Own Contractor No

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User Sentiments

positive_review_icon Positive:
neutral_review_icon Neutral:
negative_review_icon Negative:

Why Liberty Home Guard?

  • The company has a contractor network of over 10,000 certified technicians
  • LHG Home Warranty has 24/7 customer service for filing claims
  • Liberty Home Guard home warranty has over 43 optional items for purchase

latest Liberty Home Guard reviews

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    Jovany Sheldon , NJ, Lodi

    Our basement started flooding so we called Liberty. The plumber was over at our house two hours later, mind you that was 10 at night! It ended up being a failure with our Sump Pump. They came back the next morning at 8am and over the next two days went ahead and replaced the entire system. J**** from the claims department helped supervise and coordinate the Job. P**** was also very helpful and insightful at explaining coverage for us. Even the plumber followed up with me a couple days later to make sure I was satisfied with everything. Great job team. Very professional work from all!

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    Henry Gray , NY, Brooklyn

    I recently purchased a home warranty from Liberty Home Guard and had an excellent experience with my claim. We started up our AC and it made a loud noise and went dead. We used their app to file the claim and the next day there was a repairman at my door who ended up recommending that the system get replaced. I called Liberty Home Guard and was connected by their customer service to speak with one of their ordering specialists via email. We got a great deal on a replacement unit and Liberty Home Guard applied the coverage cap of $2,000 to the replacement. We ended up spending $2,800 but for a unit that costs $5,000 (we priced it out ourselves!) We also did not have to pay a dime in labor costs which was probably another $1,500 in savings. Fantastic investment. If you’re worried about your air conditioning system, I would highly recommend you reach out to them.

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    Vicky Mathis , NY, Brooklyn

    I recently had an issue with my water heater, and the timing could not have been worse. I called in to their their customer service, and Cy**** on their side answered the phone with so much energy and enthusiasm. It helped set a positive tone right away even though I was super stressed. The repairman they dispatched was also fantastic - friendly, knowledgeable, and worked quickly to get a replacement installed. Im really happy with their service, and I hope all my claims go similarly as well.

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    Jaxon Sullivan , NJ, Plainfield

    Very short hold times when I call Liberty Home Guard and they always offer you a callback option. I understand it’s hard for businesses to operate but I do appreciate businesses that make every effort to reduce the burden on their customers and save them time. They were also able to get my claim handled and resolved quickly.

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    Glenda Miles , NY, Brooklyn

    As soon as I was connected with the Liberty agent, L***, I felt a sense of relief. Our washing machine and dishwasher both broke in the same week and everything at home felt totally out of sorts. She was so helpful in explaining the process and getting the claim expedited. They were even able to find a contractor who could repair both and he indeed arrived the next day and was able to fix both appliances within that one visit. Thank you L*** and the entire Liberty team for your help.

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    Camilla Conors , NY, Brooklyn

    They definitely were clutch when our water heater started acting up. The water heater first just started making weird noises so we called in. We were connected with a nice agent named N****, who recommended that we file a claim and get a service professional to check it out, which I’m very happy he did because the next day it stopped working entirely. The plumber explained to us that it is not worthwhile to repair the item and that we should look to get it replaced. N**** followed up with us again right after that initial appointment and helped us process the order for a new water heater. For the entire replacement, we only spent $125. Thank you so much for your help here.

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4.8/5 (192)

Pros & cons of Liberty Home Guard


  • Offers workmanship guarantee of 60-days
  • Provides extensive add-on coverage
  • Offers live chat option


  • Does not offer services in all U.S. states
  • Comparatively new in the market; low in experience

Liberty Home Guard Covered States

Liberty Home Guard offers coverage across 49 states in the US, except WI.

Liberty Home Guard Plans & Coverage

Liberty Home Guard offers three plans to homeowners- Systems Guard, Appliance Guard, and Total Home Guard. As the name of the plans suggests, Systems Guard covers essential home systems, and Appliances Guard covers necessary household appliances. 

Total Home Guard is a combo plan comprising all the systems and appliances covered in the individual plans. Apart from the regular plans, you can purchase items from an extensive list of 43 add-ons.

  • Systems Guard covers six major home systems
  • Appliance Guard covers nine primary kitchen and general home appliances 
  • Total Home Guard is a combo plan that includes everything from systems and appliance plans

The table below contains the coverage details of LHG’s three main plans:

Plans  Systems Guard Appliance Guard Total Home Guard 
Air Conditioning
Water Heaters
Clothes Washer
Clothes Dryer
Built-In Microwave Ovens
Ranges/ Ovens/ Cooktops
Garbage Disposals
Ceiling And Exhaust Fans
Garage Door Openers

Optional Coverage

You can select from Liberty’s widest range of add-on options to increase your coverage. The limit can range between $4.20–$35.99 monthly:

  •  Pool And/Or Spa Equipment
  • Stand Alone Freezer
  • Additional Spa
  • Trash Compactor
  • Ice Maker (In-Fridge)
  • Plumbing Fixtures
  • Pro-Series Refrigerator Coverage
  • Pro-Series Clothes Dryer
  • Septic System Pumping
  • Second Refrigerator
  • Lighting Fixtures
  • Lawn Sprinkler System
  • Freestanding Ice Maker
  • Grinder Pump
  • Pro-Series Range/Oven/Cooktop Coverage
  • Window Washing/Cleaning
  • Well Pump
  • Limited Roof Leak
  • Gutter Cleaning
  • Electronics Protection
  • Wine Cooler/Fridge
  • Water Dispenser Water Line
  • Pro-Series Dishwasher Coverage
  • Casita Guest Unit
  • Sump Pump
  • Water Softener
  • Pest Control
  • Swamp Cooler
  • Salt Water Pool
  • Instant Hot Water Dispenser
  • Pro-Series Microwave
  • Central Vacuum
  • Re-Key
  • Carpet Cleaning
  • Ejector Pump
  • Generator
  • Reverse Osmosis Water Filter System
  • Pro-Series Washing Machine

Find out more about the inclusions of the plans below:

liberty Optional Coverage

Image description: Liberty Home Warranty Plans From LHG Sample Contract

Liberty Home Guard Exclusions

Your Liberty Home Guard agreement has some exclusions. It does not cover:

  • Electronic, computerized, or internet-based parts
  • Remote receiving or transmitting devices
  • Vents, chimneys, and exhaust lines included with any covered Item
  • Cosmetic defects and installation
  • Accidents, fire, floods, subsidence, water damage, and electrical failure
  • Defective manufacturing, construction, or production

Additionally, your Liberty Home Warranty includes yearly coverage limitations or dollar limits. These are: 

  • 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.

Find out the limitations and exclusions of Liberty Home Guard in detail here:

liberty limitations and exclusions

Image description: Liberty Home Guard Exclusions From LHG Policy

Liberty Home Guard Cost

Appliances Guard, which is its most affordable plan, starts at $42 per month on the annual plan or $49.99 per month on the monthly plan. Similarly, the Systems Guard Plan comes up to nearly $46 per month on the annual plan and is $54.99 monthly.

Compared to the market standards, the cost of these plans is slightly above the market average. On the other hand, Total Home Guard is priced more reasonably, starting from nearly $50 per month on the annual plan and $59.99 per month on the monthly plan.  

The total cost of your Liberty Home Guard warranty services will depend on the selected plan, your area of residence, and the added optional coverage. The deductible of the company is $90. 

The average costs of Liberty Home Guard plans are as follows:


Appliances Guard

Systems Guard

Total Home Guard

Single Family Home/Condominium/Other







Duplex Apartment







Triplex Apartment







Service Fee: $90

Liberty Home Guard Discounts 

Liberty Home Guard offers $200 off with two free bonus months and free roof leak protection with all of its annual subscriptions.

Trustworthiness & Customer Service Of Liberty Home Guard

Liberty Home Guard is one of the few home warranty companies that have received positive customer feedback on most platforms. Hundreds of reviews on our platform also indicate that the company has served its customers well, as suggested by its rating of 4.5 on 5. 

Liberty Home Guard also has positive ratings from BBB and Google Reviews. It has received an accreditation of A- on BBB and has a rating of 4.7/5 on Google Reviews. Customers have particularly appreciated LHG’s onboarding team and claims-related services. 

Although one of the new entrants to the market, LHG’s ratings show that the company has created a commendable track record of good customer service. Amidst a vast pool of positive reviews, some customers have written about slightly expensive plans and claim rejections, which is comparatively much less than most companies.

How To Buy A Home Warranty From Liberty Home Guard?

You can purchase a Liberty Home Guard warranty plan directly on the LHG website. You can quickly get a free quote from its website 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.

Liberty Home Guard Claims Filing Procedure

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 can 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 deductibles and premiums are paid.


At, 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 their satisfaction with the claims process, 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.
  • Customer Engagement: We assess home warranty companies’ determination to respond to consumer problems in our Complaint Resolution Program.

Editorial Note On Liberty Home Guard 

The editorial team of opines that Liberty Home Guard is one of the most customer-friendly companies, as suggested by its overwhelmingly positive reviews. It is suitable for customers looking for basic coverage of home systems and appliances.

Customers looking for comprehensive coverage might find LHG’s plans a bit restrictive. Also, the cost gets higher for plans covering duplexes and triplexes. Therefore, we advise customers to double-check that their appliances and systems are covered in their selected plan and its price point. 

Final Words 

Liberty Home Guard is one of the companies that is going well in the market and is surely is worthy of consideration. However, thoroughly read about their plans, cost, and exclusion details before making the final commitment.  

Quick Details About The Company

Here are some details about the Liberty Home Guard:


Ben Joseph

Year Of Establishment



Ben Joseph


1101 Avenue U, Suite 1,Brooklyn, New York 11223, US

Type Of Company


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Liberty Home Guard FAQs


Is Liberty Home Guard Part Of Liberty Mutual?


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?


Liberty Home Guard was established in 2017, making it less than half a decade old.


Is Liberty Home Guard A Reputable Company?


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?


After reviewing the contract and plan offerings, you can buy from Liberty Home Guard. You can file a claim once 30 days have passed. To be eligible for repairs and replacements, you must maintain the items as directed by the user manuals.


Liberty Home Guard Vs. American Home Shield: Which Is The Better Home Warranty?


Considering American Home Shield coverage caps and market experience, we 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?


The Liberty Home Guard deductibles vary from $60-$125 based on the residence, home type, etc.


Who Owns Liberty Home Guard LLC?


Benjamin Joseph is the co-founder and CEO of Liberty Home Guard LLC.


Has The American Home Guard Rebranded Themselves As The Liberty Home Guard Now?


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?


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?


Yes, the two policies differ. Home insurance is not a service contract for repairs and replacements of worn-out systems and appliances. Homeowners’ insurance covers property against liabilities due to thefts, property damage, fire, natural calamities, etc. They are complementary, not interchangeable.


How Long Does My Liberty Home Guard Contract Last?


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?


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 home appliances and systems.


Do I Need A Home Inspection Before Purchasing A Home Warranty From Liberty Home Guard?


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?


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?


You can cancel your policy anytime if you are 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.


Is Liberty Home Guard Any Good?


Yes, Liberty Home Guard is one of the affordable home warranty providers for homeowners looking to invest in an inclusive home warranty plan. The reason behind it is their plans are affordable and come with regular discounts. The company offers separate plans for systems and appliances, along with a plan inclusive of both of them. 


What Is The Liberty Home Guard Waiting Period?


Once the homeowner purchases the policy, Liberty Home Guard requires a 30-day waiting period before the service begins.

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