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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.
1st month free + Free roof coverage
$200 Off + 2 Months Free*
$150 off + Free roof coverage + 2 months free
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:
This plan provides coverage for six major home systems.
Total Home Guard
This is a combo plan that includes everything from systems and appliances plans.
This plan covers ten primary kitchen and general home appliances.
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|
|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 offers $200 off with two free bonus months and free roof leak protection with all of its plans.
To better understand Liberty Home Guard’s coverage, take a look at this:
Total Home Guard
Items included in Systems Guard + Appliance Guard
Liberty Home Guard offers protection for the following add-on items that you can purchase separately in exchange for an extra cost.
Learn more about what a home warranty plan covers in our detailed article!
Your Liberty Home Guard agreement has some exclusions. It does not cover:
Additionally, your Liberty home warranty includes yearly coverage limitations or dollar limits. These are:
NOTE: There may be other exclusions and limitations to your LHG contract. We recommend you read the sample contract thoroughly before purchasing the warranty.
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.
To request a service from Liberty Home Guard, you need to keep the following in mind:
NOTE: Liberty Home Guard will not provide services until any due “per claim fees” or deductible and premiums are paid.
Here’s how Liberty Home Guard compares against other leading home warranty providers:
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.
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:
Liberty Home Guard
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 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?
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?
The Liberty Home Guard deductibles vary from $60-$125 based on the residence, home type, etc.
Who Owns Liberty Home Guard?
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?
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, 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?
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 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 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.