Liberty Home Guard Warranty Review

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Contributor, Benzinga
October 14, 2022
Liberty Home Guard
Overall Rating:
securely through Liberty Home Guard's website

Liberty Home Guard offers unique programs that allow you to safeguard the whole house, the appliances or the home’s systems. As a result, you can get an online quote for the coverage you need, and there is even a portal for realtors who want to offer these plans to buyers or sellers.

Best For
  • Multiple program categories
  • Affordable, tailored coverage
  • Online service
Pros
  • Appliance, system and whole home plans
  • Easy online quotes
  • Website offers quite a bit of information
Cons
  • You may not want to pay more for the whole house system

Liberty Home Guard Ratings at a Glance

Product Offering
Customer Service
Customer Pricing
User Benefits
User Experience [3.5 Stars]
Overall

Liberty Home Guard Product Offering

Before discussing Liberty Home Guard’s policy options and how they stand up to other home warranties, it’s important to understand what is and isn’t included on a normal home warranty plan. A home warranty is a type of home protection that can help you claim more affordable repairs for your home’s major systems and appliances. Home warranty plans were designed to fill in some of the gaps left in coverage by most standard homeowners insurance policies, which don’t cover repairs or replacements needed because of normal wear and tear.

When you sign onto a home warranty, you agree to pay a specific price per month to maintain your coverage. If one of your covered systems or appliances breaks down because of normal usage, contact your home warranty company and request a fix. The home warranty service provider will send a contractor to your property if the broken appliance or system is covered under your plan. In exchange, you pay a small, previously agreed-upon service fee to the technician directly. This service fee stays consistent between jobs, regardless of the actual value of the repair or replacement you receive.

Liberty Home Guard is a home warranty company offering three distinct plan options for single-family homeowners in most parts of the country. Like some other home warranty companies, Liberty Home Guard offers an appliance warranty plan that only covers your major appliances as well as a system warranty that covers your home’s major systems. The Total Home Guard plan offers all-inclusive coverage for your home’s systems and appliances at a more affordable monthly rate.

Take a closer look at what’s covered under each one of Liberty Home Guard’s home warranty plan options.

Appliance Guard

The Appliance Guard plan covers the following home components:

  • Clothes washer
  • Clothes dryer
  • Refrigerator
  • Built-in microwave ovens
  • Dishwasher
  • Garbage disposal
  • Range, oven and cooktop
  • Ceiling fan
  • Exhaust fan
  • Garage door opener

Systems Guard

The Systems Guard plan covers the following home components:

  • Air conditioning system
  • Heating system
  • Ductwork
  • Plumbing system
  • Electrical system
  • Water heater

Total Home Guard

The Total Home Guard plan includes all of the coverages found on both the Appliance Guard and the Systems Guard policy.

Optional Coverages

Liberty Home Guard offers an impressive range of add-on choices you can use to customize your policy. You can add coverage for any of the following components or additions to any one of Liberty Home Guard’s policy offerings:

  • Pool and spa
  • Sump pump
  • Well pump
  • Central vacuum cleaner
  • Additional spa
  • Septic system pumping
  • Standalone freezer
  • Limited roof leaks
  • Lighting fixtures
  • Re-key service
  • Gutter cleaning
  • Pest control
  • Carpet cleaning
  • Water softener
  • Lawn sprinkler system
  • Electronics protection
  • Swamp cooler
  • Ejector pump
  • Second refrigerator
  • Trash compactor
  • Built-in ice maker
  • Free-standing ice maker
  • Plumbing fixtures
  • Grinder pump
  • Wine cooler/fridge
  • Saltwater pool
  • Generator
  • Hot water dispenser
  • Reverse osmosis system
  • Water dispenser water line
  • Carpet cleaning
  • Window washing and cleaning
  • Power washing (exterior flooring)

You can also use optional add-ons to purchase coverage for a second set of major appliances or systems (for example, a second plumbing system built as part of a duplex). These single-item coverages are available from about $50 annually and can be a great option for condo and investment property owners who only need coverage for specific home components.

Liberty Home Guard policies also include access to the company’s online customer portal system. The company will help you set up and manage your online customer portal after creating an account. You can submit claims, manage your policy benefits and communicate with representatives through your online account. This makes it easier to adjust your policy benefits in the event that you need to add coverages after you purchase your initial plan. If you’re a commercial property owner or a property manager with multiple units you need to cover, Liberty Home Guard also offers unique policy plans with your situation in mind. 

Customer Service

Liberty Home Guard offers a few methods to reach customer service, including:

  • Via phone: To get in touch with Liberty Home Guard via phone, call 833-544-8273. Liberty Home Guard does not offer active customer service hours on its website.
  • Over email: If you’d prefer to send your message to Liberty Home Guard via email, you can reach their team at service@libertyhomeguard.com.

When filing a claim, you can submit documents and connect with representatives through your Liberty Home Guard customer portal. You can submit a claim over the phone or online 24 hours a day and seven days a week. 

Customer Pricing

To help you get a better idea of what you might expect to pay for a policy from Liberty Home Guard, Benzinga requested a sample quote for a home with less than 5,000 square feet located in Pennsylvania.

Plan OptionAppliance GuardSystems GuardTotal Home Guard
Pricing when billed monthly$49.99 per month$54.99 per month$59.99 per month
Pricing when billed annually$499.99$549.99$599.99

One of the biggest benefits that come with choosing Liberty Home Guard for your home warranty is its wide range of optional coverages. View pricing for some of Liberty’s most popular add-ons in the chart below.

Optional itemPrice (when billed annually)
Second freezer$59.99 per year
Pool and spa$199.99 per year
Lawn sprinkler system$99.99 per year
Limited roof leak coverage$119.99 per year
Sump pump$89.99 per year
Septic system$129.99 per year

Liberty Home Guard also requires that you pay a per-incident service fee each time you use your plan benefits, as is the case with every other home warranty company. Liberty Home Guard’s standard service fee is $90, which means that you’ll pay $90 every time you use your policy benefits. This is higher than most other home warranty companies — though you may be able to negotiate a lower service fee by speaking with a representative.

Like other home warranty companies, Liberty Home Warranty’s policies include coverage limits that put an upper cap on the total value of repairs or replacements you can claim on your policy. Liberty Home Warranty’s policies include a $2,000 upper limit on most home components. For most systems and appliances in your home, Liberty Home Guard will provide up to $2,000 in repair or replacement value per individual item each year. If a system or appliance breaks down and requires more than $2,000 worth of repair or replacement work, you will be responsible for all expenses past $2,000.

Some items have coverage limitations lower than $2,000, including:

Home componentCoverage limit
Plumbing system$500
Electrical system$500
Pool and spa$500
Sump pump$500
Second refrigerator$500

These limitations, especially on your plumbing and electrical systems, reduce the value of your Liberty Home Guard policy. While policies are competitively priced when it comes to premiums, Liberty Home Guard does not offer as much coverage as competing home warranty plan providers. 

User Benefits

Liberty Home Guard offers home warranty plans with a number of unique benefits, including the following.

  • Prepayment benefits: If you’re able to pay for your home warranty coverage upfront, you could access huge savings on future coverage through Liberty Home Guard. The company offers up to six months of free coverage when you prepay your premiums in advance online.
  • Affordable premiums: Liberty Home Guard’s policies are available from about $50 per month, and you can buy coverage for individual systems and appliances for less than $200 annually. This can be a major benefit for homeowners on a budget.
  • Wide range of add-ons: If you live in a home with unique components, be sure to check out the massive range of optional coverages available on Liberty’s policies. Liberty Home Guard allows you to add coverage for almost 40 additional home components beyond the standard inclusions you’ll find on most home warranty plans.

User Experience [3.5 Stars]

Liberty Home Guard offers a straightforward buying and claims process. Customers can submit a claim online or over the phone, and claims reporting is available 24 hours a day and seven days a week. While Liberty Home Guard does not allow you to choose your own contractor, you can view qualifications for the contractors Liberty works with online. Liberty Home Guard claims that it will “try to” respond to all customer claims within 24 to 48 hours, which is longer than most other home warranty companies.

An area where Liberty Home Guard can afford to improve is its user experience, particularly when it comes to locating sample contracts. Though Liberty Home Guard offers a sample contract (containing crucial information about policy limits not available on other parts of the site) it’s hidden in the site’s FAQ page. It’s entirely possible to go through the buying process without being given the opportunity to read the contract you’re signing onto. In the future, Liberty Home Guard should include a policy contract on the checkout page of its website to reduce customer confusion and frustration.  

Liberty Home Guard Warranty Versus Competitors

While Liberty Home Guard offers an impressive range of add-on selections, customizable policies and affordable pricing, it’s not the only company in the home warranty industry. Competitors like Choice Home Warranty and Home Warranty of America also offer home warranty policies, each of which have their own benefits and downsides.  

Benzinga offers reviews and insights into the following home warranty companies. Consider continuing your search for the best coverage with the following links. 

Overall

Liberty Home Guard can be a viable home warranty option if you’re looking for affordable coverage. Plans are available from about $50 a month, and you can buy coverage for individual systems or appliances. Optional coverage is available from less than $20 a month for most items, and there are a wide range of add-ons available. This can be particularly appealing for property owners looking to insure only an older system or appliance without breaking the bank.

While Liberty Home Guard’s policies are affordable, they do come with a few drawbacks. Coverage is limited to $2,000 for most items and can be as low as $500 for select systems and appliances, reducing the overall value of your policy. Liberty’s standard service fee is set at $90, which is also higher than most other home warranty companies.

Liberty Home Guard Warranty Video Tutorial

Frequently Asked Questions

Q

Does a home warranty cover mold?

A

No, most home warranty policies explicitly state that they will not cover any type of damage that results from mold growth.

Q

Are home warranties worth it?

A

Home warranties can be worth it if they have coverage limitations high enough to justify the cost of the policy’s premiums. A home warranty worth its cost will also include coverage for all of the major systems and appliances in your home with low service fees.

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About Sarah Horvath

Sarah is an expert in the insurance, investing for retirement and cryptocurrency space.