Liberty Home Guard Review

Average Value, Great Customer Ratings

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Liberty Home Guard Review

Liberty Home Guard

Investopedia’s Rating
4.1

Our Take

Liberty Home Guard offers average value home warranty plans that have competitive premiums and wide coverage. The company operates in every state except WI and WA, and provides a lot of information to potential customers. Liberty Home Guard is, in many ways, an average home warranty company. Their policies are standard for the industry, as are their prices, exclusions, and coverage. 

What sets the company apart is its very high customer satisfaction ratings. This indicates that the majority of customers were happy with the service they received from Liberty Home Guard, with response times and their online portal being particularly praised.

Overall, if you don’t mind paying mid-range prices for a home warranty, and are looking for a company that is customer-focused, Liberty Home Guard could be a good choice for you. Real estate professionals, in particular, will benefit from the company’s online offer.

According to our research, the most important feature to consumers when choosing a plan is its cost, with 74% of respondents naming this as the most important factor. Other important factors include service fees (63%), speed of response (48%), and pricing information being available online (46%). Our reviews thoroughly consider all these factors, as well as exclusions and payout caps, to help you make an informed decision when choosing a home warranty company.

  • Pros & Cons
  • specifications
Pros & Cons
Pros
  • Wide coverage – 48 states and D.C.

  • High customer satisfaction scores

  • Relatively quick claim processing – within 48 hours

  • Large contractor network – 10,000 certified technicians

Cons
  • Relatively low payout cap

  • Not the least expensive home warranty provider

  • High service fees

  • Not available in two states

specifications
Website
N/A
Year Founded
2017
Average Annual Cost
$587.49
Service Fees
$80 - $125
Response Time
24 - 48 hours
Payout Cap
$2,000 per item
Coverage Area
AK, AL, AR, AZ, CO, CT, DC, DE, FL, GA, HI, IA, ID, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WY
Out of Network Technician
Yes. Only in special circumstances
Pricing Available Online
No
Sample Contract Available
Yes
Waiting Period
Yes
Why Trust Us Investopedia collected key data points from several home warranty providers to identify the most important factors to customers. We used this data to review each provider for cost, availability, coverage options, and other features to provide unbiased, comprehensive reviews to ensure our readers make the right decision for their needs. Read our Full Methodology
38 Providers reviewed
35 Criteria considered
875 Data points analyzed
59 Primary data sources used

Company Overview

Liberty Home Guard was founded in 2017, and has since expanded to cover most of the US. The company offers home warranty plans that are comparable in price to most of its competitors, and in our research their time to respond to claims was also similar to other home warranty companies.

The policies offered by the company have some drawbacks – notably, the payout cap per item is low, and Liberty Home Guard charges relatively high service fees. On the other hand, the majority of customers have been satisfied with the service they’ve received. The company is also proud of its certified contractor network, which is now made up of more than 10,000 certified technicians across the country.

States Covered

Liberty Home Guard covers 48 states and D.C. The exceptions are Washington and Wisconsin. That means you can get plans in all of the following states:

  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • West Virginia
  • Wyoming

47% of our 538 survey correspondents said that coverage and support was the most important aspect of a home warranty, so make sure a company covers your home state first, before considering other factors.

Available Plans

Liberty Home Guard offers three basic levels of warranty plan. There are two basic plans, designed to cover different types of appliance:

  • Systems Guard covers major home systems, including Air Conditioning, Heating, Ductwork, Plumbing and Electrical.
  • Appliance Guard covers many primary kitchen and general home appliances. This includes your refrigerator, oven, dishwasher, washer, and dryer.

There is a third plan, Total Home Guard, which is a combination of the two above. Liberty Home Guard says that this third plan provides the widest coverage and the best value.

In addition to these basic plans, Liberty Home Guard provides coverage for a wide variety of other appliances and systems. These include appliances relating to your pool or spa, septic tank, or roof – the list is quite extensive. These items can be added on to the standard home warranty plans for an added cost. 

Here is what each plan covers: 

  Appliance Guard Systems Guard  Total Home Guard 
Clothes Washer  
Clothes Dryer  ✓    ✓ 
Kitchen Refrigerator  ✓    ✓ 
Built in Microwave Ovens  ✓    ✓ 
Dishwashers  ✓    ✓ 
Garbage Disposal  ✓    ✓ 
Ranges/Ovens/Cooktops  ✓    ✓ 
Ceiling and Exhaust Fans  ✓    ✓ 
Garage Door Opener  ✓    ✓ 
Air Conditioning    ✓ 
Heating    ✓  ✓ 
Ductwork    ✓  ✓ 
Plumbing    ✓  ✓ 
Electrical    ✓  ✓ 
Water Heaters    ✓  ✓ 

Real Estate Plans

Liberty Home Guard also offers home warranty plans for real estate professionals. These do not follow the same three-tier model as their consumer plans – instead, real estate professionals should call the company for a quote.

Liberty Home Guard also offers an online portal for real estate professionals, which they say can streamline communication. Real estate professionals can log into this portal, and from there they can set up coverage for new properties, edit existing plans, and email order confirmations to clients, title agents, escrow agents and others.

Plan Pricing

Liberty Home Guard have not made the prices for their plans available on their website. Instead, potential customers must fill out an online form to receive a quote. This is likely because the cost of each plan depends on the state where you live. 

During our research, we found that the cost of Liberty Home Guard plans was about average for this type of policy. For instance:

  • The cost of a basic plan in California is $649.99 per year, and Total Home Guard in the state costs $749.99. 
  • The corresponding costs for Florida, New York, or Texas were $499.99 and $599.99. 

The average cost of a Liberty Home Guard plan was about average in comparison to other home warranties we’ve researched – $587 per year, compared to an industry-wide average of $574. These prices are representative for the sector – they are neither significantly higher or lower than most of Liberty Home Guard’s competitors. It’s also possible to buy these policies on a monthly basis, or for a limited period of time, making them flexible.

There are some other costs involved with this type of policy, though. All home warranty providers charge a service fee, and the industry-wide average service fee is about $82. This is due each time you call out a technician to fix an appliance. Liberty Home Guard’s service fees are pretty high in comparison to the competition – between $80 and $125. If you end up needing to call for service frequently, this could increase the cost of a Liberty Home Guard policy.

51% of our survey correspondents said that pricing information was the most important piece of information they need when choosing a home warranty policy, and 70% of survey correspondents said that the monthly or annual cost of a plan was more important to them than service fees.

Optional Add-Ons

The list of optional add-ons that Liberty Home Guard can add to a basic policy is quite extensive. This is partially because they list items, systems, and appliances that other home warranty companies do not, but would likely cover in any case. In other words, the length of the following list should not be taken as an indication that Liberty Home Guard provides wider coverage than the competition.

Here are the items, systems, and appliances that can be added to a plan:

  • Pool And Spa
  • Sump Pump
  • Well Pump
  • Central Vacuum
  • Additional Spa
  • Septic System Pumping
  • Stand Alone Freezer
  • Limited Roof Leak
  • Lighting Fixtures
  • Re-Key
  • Gutter Cleaning
  • Pest Control
  • Carpet Cleaning
  • Water Softener
  • Lawn Sprinkler System
  • Electronics Protection
  • Swamp Cooler
  • Ejector Pump
  • Second Refrigerator
  • Trash Compactor
  • 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
  • Tv Mounting (Up To 65 Inch Tv's)
  • Tv Mounting (Up To 85 Inch Tv's)
  • Power Washing (Exterior Flooring)

Be aware, however, that many of these extra items and systems are only covered to a limited degree by a Liberty Home Guard warranty. The company is quite open about this, and lists these limitations on their website. Customers looking to add these items to their policy should make sure that their equipment is covered by reviewing this information.

Types of Damage Covered

Liberty Home Guard provides plenty of information on the type and extent of damage their policies cover. They’ve even provided a sample contract on their website.

In general, home warranties by Liberty Home Guard:

  • Provide a commitment to repair certain appliances and systems if they malfunction,
  • Cover repair and replacement costs on major home systems and appliances in the event of breakdowns associated with normal wear and tear.

However, buyers should be aware that there are some limitations to what a home warranty plan can cover. Home warranties cover breakdowns that occur due to normal wear and tear. For example, if a fan in your AC unit breaks due to natural use, Liberty Home Guard would cover the replacement. However, if that AC was broken from human misuse or a natural event like a tree branch falling on the outdoor air handler, it would not fall under their coverage.

Plan Exclusions

As with all home warranties, those offered by Liberty Home Guard come with exclusions and limitations. These are set out in detail in the sample contract that company provides on their website, which gives the exclusions relating to every item covered in their basic plan.

Most of these exclusions will not apply to most people, because they only relate to unusually large systems (such as might be found in a commercial building, or a very large house). However, some can have an effect.

For example, Liberty Home Guard states that their coverage of AC systems does not include the following: Leaks of any kind; Short-to-ground compressor malfunctions/shorted or grounded compressors; Gas AC systems; Condenser casings; Registers and grills; Electronic air cleaners; Water towers; Humidifiers; Chillers; Evaporative coolers; All exterior condensing, cooling, and pump pads; Roof mounts, jacks, stands, or supports; Condensate pumps; Drain line stoppages; Geothermal piping and wells; Electrical supply; Coils of any kind; Zoned systems.

If your house includes any of these items and you want them to be covered, you should make sure that you negotiate this with Liberty Home Guard. You should do the same, in fact, for every system you want your home warranty to cover. 

Home warranty coverage doesn’t usually apply if a system or appliance stops working because of misuse or abuse. It also doesn’t cover malfunctions due to lightning strikes or fire; for protection from these events, you need homeowners insurance.

Payout Caps and Limitations

Home warranty plans typically have caps and limitations, and Liberty Home Guard’s plans are no different. In fact, the relatively low payout cap on these policies is one of the only drawbacks in what are otherwise fairly standard policies.

Some home warranty companies limit the amount that can be paid out per item, and some limit the total aggregate payout they will make per year. Liberty Home Guard uses the former model, capping the total payout to $2,000 per item. Many other companies have a higher payout cap, either for individual items or as an aggregate cost for annual repairs.

Whether this payout cap will matter to you depends on how many expensive appliances you own. It’s unlikely that most repairs will reach this cap, but they could if you call on a technician to fix a large, complex system like your HVAC (heating, ventilation, air conditioning system). Again, if you have systems in your house, you should check with Liberty Home Guard that the likely cost of repair is covered.

27% of our survey correspondents said that getting the maximum payout cap is important to them when choosing a home warranty policy. Liberty Home Guard has a payout cap that is about average for the industry.

Claim Response Time

Liberty Home Guard states that “most” requests for service will result in a technician being on-site within 48 hours, and often within 24 hours. There is no firm commitment to this timescale, and it is not written into the sample contracts the company provides. However, the high customer satisfaction rating for the company would suggest that most customers are happy with their response time.

34% of our survey correspondents said that choosing their own technician was important to them when choosing a home warranty policy. Liberty Home Guard appears to offer this flexibility, and so could be a good choice if you already have repair people that you trust.

Customer Service and Claims Process

Liberty Home Guard offer a number of ways for customers to request a technician and make a claim against their policies:

The main selling point of Liberty Home Guard, in comparison to the competition here, is that the company offers an online portal for policyholders. From the company’s website, you can log into your account, and manage your policy from there.

This is likely to be particularly useful for real estate professionals who are managing policies on multiple properties. However, it may also be valuable for homeowners who prefer to manage their financial affairs online.

Customer Satisfaction

As we’ve seen in the sections above, in most respects Liberty Home Guard offers average home warranty policies – they do not offer significantly wider coverage or charge less for this than the competition. The major difference between Liberty Home Guard and the competition is in customer satisfaction scores. The company mentions this a lot in their marketing materials, but it’s true that they are impressive. 

This high level of satisfaction was reflected in our own research, where the company scored an impressive 4.0 across five reviews. Among these reviews, customers frequently mentioned several positive aspects of the company’s service. These included the response time for claims and the online portal. 

Liberty Home Guard vs. the Competition

Let’s compare the service offered by Liberty Home Guard with that provided by American Home Shield Warranty. American Home Shield, having been founded in 1971, are well established in the industry. 

Here’s how the two companies compare:

  American Home Shield Liberty Home Guard 
Average Cost of Plan  $579.88 $587.49
# of Plans Available  Three Three 
Service Fee (average)  $100  $105 
States covered  49 (excludes AK)  48 (excludes WA and WI) 

As we can see from this table, the price of Liberty Home Guard is comparable to that of American Home Shield – and in fact is comparable with the majority of home warranty companies. Though not covered in this table, the level of coverage offered by the company is about the same as well, as are their exclusions.

The major difference between Liberty Home Guard and other companies which provide home warranties is their customer satisfaction score, which is impressively high. This indicates that the majority of customers were happy with the service they received, and gives Liberty Home Guard an edge over the competition.

Final Verdict

Liberty Home Guard home warranties are highly competitive, and based on our research might be the right choice for some homeowners or real estate professionals.

The pricing of these policies is fairly standard – they are neither the most expensive home warranties available, nor the cheapest. Similarly, the level of coverage offered by these policies is much the same as home warranties offered by other companies, and their exclusions and payout caps are also about average.

What sets Liberty Home Guard apart from the competition is its customer satisfaction rating. Own research suggests that customers are highly satisfied with the service that Liberty Home Guard provide, with their response times and online portal coming in for particular praise.

If you are looking for a highly rated home warranty, and aren’t looking for the absolute cheapest option, Liberty Home Guard is a good choice. 

Liberty Home Guard FAQs

How Much Does a Liberty Home Guard Home Warranty Cost?

The average cost of a First Premier Home Warranty plan in our research was $587. This will vary a little depending on where you live.

What Does a Liberty Home Guard Home Warranty Cover?

Liberty Home Guard’s top plan covers: 

  • Clothes Washer 
  • Clothes Dryer 
  • Kitchen Refrigerator 
  • Built in Microwave Ovens 
  • Dishwashers 
  • Garbage Disposal 
  • Ranges/Ovens/Cooktops 
  • Ceiling and Exhaust Fans 
  • Garage Door Openers 
  • Air Conditioning 
  • Heating 
  • Ductwork 
  • Plumbing 
  • Electrical 
  • Water Heaters 

What Doesn’t a Liberty Home Guard Home Warranty Cover?

Liberty Home Guard warranties have standard exclusions. Large, complicated systems like in-ground pools and pumps are not covered, and any damage that doesn’t occur as part of “normal wear and tear” isn’t either. Specific pieces of equipment come with their own exclusions, as well, so make sure you read the contract carefully.

How Much is a Liberty Home Guard Home Warranty Cover Service Fee?

Service fees for Liberty home Guard home warranty services range from $80 - $125.

Can You Cancel a Liberty Home Guard Home Warranty For Free?

Within the first 30 days of coverage, yes. After this period, you’ll pay an amount equivalent to the portion of the year you had the policy for.

How Do You File a Claim Liberty Home Guard Home Warranty?

Liberty Home Guard offer a number of ways for customers to request a technician and make a claim against their policies:

Methodology

There are several aspects to consider when evaluating a home warranty company and its coverages. To assist in your decision process, our methodology for reviewing home warranties includes a quantified scoring system that evaluates four major categories - total plan cost, coverage and support, customizability and transparency. Within those four major evaluation categories we look at 18 core features that include annual plan fees and service fees, claim response times, payout caps, states available, contract length range, customizable coverages, ability to use own repair person, free cancelation, plan pricing, plan exclusions and other plan provisions available online. We assign fractional score values ranging from 0.00 to 1.00 points for each feature and then weight those feature values according to subject matter expert advice and consumer survey importance ranking.  We also compare features for each company to industry average values determined from our data collection for the top 25 home warranty providers. Third-party ratings and customer satisfaction scores are factored in to help assess a home warranty company’s overall quality, suitability and value.