Our editorial team follows a comprehensive methodology for rating and reviewing home warranty companies. Advertisers have no effect on our rankings.
Monthly Cost
$50 – $60
Service Fee
$65 – $125
Most Customer-Friendly
Liberty Home Guard
866-452-9107
$200 Off + 2 Months Free + Roof Leak Protection
Pros
Provides a 60-day workmanship guarantee
Offers more than 30 unique optional add-ons
Connects with homeowners via live chat on its website
Cons
Quote process lacks transparency surrounding service call fees
Charges higher-than-average monthly premiums
Coverage excludes pre-existing conditions
Why Trust Us?
40
Companies Reviewed
350
Quotes Collected
2,000
Homeowners Surveyed
How Liberty Home Guard Scored
Our team reviewed and rated Liberty Home Guard based on in-depth methodology and gave the company a score of 4.5 out of 5 stars. It earned the most points for its customer service, additional benefits and state availability, making Liberty Home Guard our pick for the most customer-friendly provider.
Liberty Home Guard also offers extensive options for policy customization, with more than 30 add-ons available in most areas and a coverage limit of $2,000 per term for most items, which is higher than some other home warranty providers. However, the company extends lower coverage limits for most add-ons and customization can increase your premium. Generally, its standard coverage includes many items homeowners care about the most and the company is known for offering quality customer service, making it a strong choice for quick coverage.
Flip Card
Liberty Home Guard
Our Thoughts on Liberty Home Guard
In our review of the top home warranty companies, Liberty Home Guard consistently scored highly thanks to its inclusive policies. Its plans include up to $2,000 in coverage for each household system and appliance instead of an aggregate coverage limit shared between items. While competitors may limit coverage on essential items like your dishwasher or refrigerator to as little as $500 in protection, Liberty’s appliance coverage goes above and beyond.
Liberty Home Guard is also notable for its easy customization options and wide range of policy add-ons. The company offers more than 40 optional coverages, which you can add to any of its three base plans for a monthly fee. Add-on options range from coverage for professional series appliances to home maintenance tasks like HVAC tune-ups and even mother-in-law suites or casita units. While add-ons are subject to a low $500 coverage limit, the sheer number of options makes Liberty a top choice for customization. Liberty is also available in all 50 states, making it a convenient and accessible coverage choice.
However, there are ways Liberty Home Guard can improve its policies and buying process. While Liberty caps coverage limits at $500 per add-on, other companies offer up to $3,000 per item. And when you consider that Liberty’s add-on prices go as high as $36 a month, customized coverage can quickly become expensive. The company could also make sample contracts more widely available to customers to prevent frustration.
Add-On Options
Liberty Home Guard also offers a series of more than 30 add-on options. Below are some of the company’s most popular add-on options and what you can expect to pay monthly for each.
| Add-On Item or Service | Monthly Cost |
|---|---|
| Ejector pump | $15 |
| Grinder pump | $15 |
| HVAC tune-ups | Pricing not available |
| HVAC upgrade program | Pricing not available |
| Plumbing fixtures | $8 |
| Septic system pumping | $13 |
| Sump pump | $9 |
| Swamp cooler | $15 |
| Water dispenser water line | $5 |
| Water softener | $14 |
| Well pump | $13 |
| Add-On Item or Service | Monthly Cost |
|---|---|
| Freestanding ice maker | $15 |
| In-fridge ice make | $4 |
| Indoor service and maintenance | Pricing not available |
| Instant hot water dispenser | $10 |
| Pro-series clothes dryer | $5 |
| Pro-series dishwasher coverage | $8 |
| Pro-series microwave | $5 |
| Pro-series range, over or cooktop coverage | $13 |
| Pro-series refrigerator coverage | $15 |
| Pro-series washing machines | $5 |
| Reverse osmosis water filter system | $15 |
| Second refrigerator | $8 |
| Stand-alone freezer | $6 |
| Trash compactor | $7.50 |
| Wine cooler or fridge | $12 |
| Add-On Item or Service | Monthly Cost |
|---|---|
| Electronics protection | $20 |
| Generator | $20 |
| Tech installation and support | Pricing not available |
| Add-On Item or Service | Monthly Cost |
|---|---|
| Additional spa | $10 |
| Pool and spa | $20 |
| Saltwater pool | $24 |
| Add-On Item or Service | Monthly Cost |
|---|---|
| Carpet cleaning | $20 |
| Central vacuum | $9 |
| Guest unit | $36 |
| Lighting fixtures | $8 |
| Pest control | $15 |
| Add-On Item or Service | Monthly Cost |
|---|---|
| Gutter cleaning | $15 |
| Lawn sprinkler system | $10 |
| Re-key services | $10 |
| Roof leak repair | $12 |
| Window washing or cleaning | $20 |
How Much Does Liberty Home Guard Cost?
Liberty Home Guard maintains the same pricing throughout most of the country. You can expect to pay $50 per month for the Appliance Guard plan and $55 per month for the Systems Guard policy. The Total Home Guard policy has a premium of $60 per month. You’ll also pay a service fee of $65 to $125 each time you need a home visit and repair. However, Liberty Home Guard does not make it clear what your service fee will be before purchasing coverage.
Note: Data represented was individually collected by the MarketWatch Guides team using sample addresses in all 50 U.S. states.
MarketWatch Guides Tip
Liberty Home Guard’s coverage limits are higher than average, with a $2,000 coverage limit on most individual items. However, select items such as coverage add-ons and your plumbing system will include a lower limit. Liberty’s monthly pricing and service fees are about average in the industry, offering a solid mid-tier coverage option.
Types of Covered Damages and Perils
Like other home warranty contracts, Liberty Home Guard’s policies only cover breakdowns caused by normal wear and tear. Unlike homeowners insurance, it does not cover breakdown or replacement needs as a result of a defined event. For example, if you suffer a house fire and your dishwasher stops working, your homeowners insurance would cover the repairs — not a home warranty. But if the dishwasher stops working due to age, your home warranty coverage will kick in.
Coverage Exclusions and Limitations
Like any other home policy, Liberty Home Guard plans do not cover everything. All home warranty policies include coverage limits, which is the maximum amount a provider will pay out if you file a valid claim. Once you hit your coverage cap, you are responsible for 100% of any repair or replacement costs.
Liberty Home Guard policies include a $2,000 coverage cap on most individual items. This means the company will pay up to $2,000 to repair or replace each major appliance or system listed in your plan. This coverage limit is higher than most other home warranty providers, which often have limits as low as $500 per item. Some exceptions to this rule include the following items, which have lower specified coverage limits:
- Plumbing system: $500 coverage limit
- Electrical system: $500 coverage limit
- Add-ons: $500 coverage limit
Additionally, each individual item included under coverage comes with its own set of included and excluded components. For example, while the Systems Guard plan covers your ductwork as a whole, it excludes the following components and issues:
- Insulation
- Breeching
- Separation due to lack of support
- Damper motors
- Air cleaner cabinets
Be sure to review a sample contract to learn more about included and excluded components on each system and appliance.
Liberty Home Guard does not cover any type of damage or issue caused by a lack of maintenance — and the company expects you to keep up with annual preventative maintenance. Be sure to seek regular maintenance, and keep records of any services you receive in case you need to file a claim. Liberty also does not cover any type of damage associated with pre-existing conditions or issues that existed before you purchased a policy.
Discounts and Perks Offered by Liberty Home Guard
In addition to home warranty coverage, Liberty Home Guard offers a few perks alongside its standard benefits. Liberty Home Guard customers can claim an exclusive discount when buying new appliances, and you can also claim a $25 Amazon gift certificate when you refer a friend. Consult with a representative to learn more about available benefits.
New Appliance Discount
Liberty Home Guard customers can claim an exclusive discount when buying new appliances.
Referral Benefits
Liberty Home Guard customers can claim a $25 Amazon gift certificate when they refer a friend.
Liberty Home Guard Sign-Up Process
Signing up for Liberty Home Guard is straightforward. Most users will be able to sign onto coverage in under five minutes using the following steps.
Liberty Home Guard’s website clearly indicates where you can begin the quote process. Start by submitting your full name and address, which Liberty will use to suggest policy options based on where you live. You’ll also need to note whether your policy is intended for a single-family unit, duplex or other type of property.
After submitting your address, Liberty will lead you to its plan selection page. Each policy option is listed out with clear distinctions specifying what is and is not covered. You can also pause your quote at any time to contact a representative.
After choosing which policy you want, you can upgrade your purchase with more than 30 individual add-ons. Like the standard buying process, shopping for add-ons is straightforward and the company allows you to view added monthly pricing for each item.
After choosing add-on coverage, the next step is selecting your billing cycle. Liberty Home Guard allows you to pay your policy premiums monthly or annually, with incentives for purchasing more than one year’s worth of coverage at a time. You can earn up to six months of free coverage by locking in your home warranty coverage for up to five years.
The final step in the application process is to submit your payment information and activate coverage. You will pay for your selected number of months plus taxes and an additional administrative “surcharge.”
How to File a Claim With Liberty Home Guard
Liberty Home Guard lays out the basic steps you can expect when filing a claim in its service contract.
Third-party customer reviews indicate the quality of Liberty’s claims process may vary depending on when you make your request. Many customers indicated that representatives were friendly and helpful over the phone. However, other customers claim that Liberty’s after-hours service lines are not actively monitored and they experienced excessive wait times when calling the company’s 24/7 number.
Start your claim
The first step is initiating the claim online or over the phone. To start, log into your Liberty app or online portal or call (833) 544-8273. It is best to file a claim as soon as your appliance or system shows signs it might not be working, and Liberty Home Guard accepts claims 24 hours a day, 7 days a week.
Wait for Liberty to assign a technician
Liberty Home Guard reserves the right to choose the technician who will handle your repairs. The company will assign a repair professional to visit your home — a representative will follow up to confirm your appointment. If Liberty cannot find a suitable technician within its network, it might authorize you to hire local personnel of your choice. In this case, the company will reimburse you a percentage of your total repair bill minus your previously agreed-upon service fee.
Claim your repair
On your appointment date, a repair technician from Liberty’s network will arrive at your property. Be sure to be home on this date to address any questions the technician has. You will pay your service fee to the technician directly and Liberty will cover the remainder of the bill.
What Customers Think About Liberty Home Guard
Pros
Some of the features we noticed reviewers on the company’s BBB profile consistently highlighted include:
- Knowledgeable representatives: Customers appreciated Liberty Home Guard’s attentiveness to complaints and deep understanding of policy options.
- Great plumbing repairs: Multiple reviews mentioned the plumbing services they received in particular were of great quality and the claim was approved quickly.
- Affordable pricing: Reviewers complimented Liberty’s pricing, which multiple customers stated was one of the lowest prices they were quoted. Some even reported success bartering with representatives over monthly pricing and fees.
- Timely contractors: Even customers who left a negative review of Liberty noted that its service technicians often arrived at the property on schedule.
- Mobile app: A few customers complemented Liberty’s mobile app, stating that the virtual claims portal was easy to use and understand.
Cons
While reviews of Liberty Home Guard are overall positive, there are a few consistent negative trends among those who were not satisfied with their coverage. Liberty Home Guard did not respond to our team’s request for comment regarding the listed negative customer reviews.
- Denied claims: The most common complaint against Liberty is its claims denials. Customers claimed that Liberty regularly used its contract fine print to deny repairs when they needed service.
- Undervalued reimbursements: Multiple customers claimed that when they used their Liberty policy, they were offered a prorated reimbursement instead of a repair. This left them with less money than the cost of a repair, which many customers found upsetting.
- Lack of 24/7 service: Customers claimed that when they called Liberty after hours, they were directed to an empty call center and left on hold with no communication.
- Routine air conditioning denials: Getting an air conditioning repair approved seems to be a challenge for some Liberty customers, as a percentage of negative reviews deal with denials related to HVAC systems.
Liberty Home Guard vs. the Market
Liberty Home Guard is not the only nationwide home warranty company we recommend. Browse the table below to learn more about the best home warranty options to see which company might be right for you.
Liberty Home Guard vs. Other Home Warranty Providers
Another top provider with generous coverage limits, American Home Shield (AHS) extends unlimited coverage for select systems and up to $4,000 in coverage per appliance. Based on our secret shopping experience, AHS offers an improved buying process over Liberty, with sample contracts easily available, no hidden fees and the ability to choose your service fee.
However, its pricing is higher than Liberty Home Guard in most areas. But when you consider AHS’s pre-existing conditions coverage, the increased premiums could be worth it for historic property owners.
View a complete comparison of Liberty Home Guard vs. American Home Shield.
| Liberty Home Guard | American Home Shield | |
|---|---|---|
| Monthly cost range | $50–$60 | $20–$80 |
| Service fee range | $65–$125 | $100–$125 |
| BBB rating | A | B |
| Number of plans | 3 | 3 |
| Add-on options | 40+ | 5 |
| Appliances and systems included in most comprehensive plan | 15 | 21 |
| Workmanship guarantee | 30 days | 30 days |
If you’re looking for the most affordable home warranty coverage, consider Select Home Warranty. While Liberty Home Guard prices policies up to $60 a month plus add-ons, all of Select’s coverage options are available for less than $50.
Depending on your location, you could also access service fees as low as $75, saving you money both monthly and when you use your coverage. While Select’s policies include lower-than-average limits of $500 on most covered items, it is a low-cost option for homeowners on a budget.
| Liberty Home Guard | Select Home Warranty | |
|---|---|---|
| Monthly cost range | $50–$60 | $44–$47 |
| Service fee range | $65–$125 | $75–$100 |
| BBB rating | A | B |
| Number of plans | 3 | 3 |
| Add-on options | 40+ | 7 |
| Appliances and systems included in most comprehensive plan | 15 | 17 |
| Workmanship guarantee | 30 days | 30 days |
Frequently Asked Questions About Liberty Home Guard
Yes. Liberty Home Guard’s service contract states that you have the right to cancel your coverage at any time. If you cancel within the first 30 days of buying a policy, you will receive a full refund on premiums paid. If you cancel after 30 days, you will receive a prorated refund for any unused coverage minus a $50 cancellation fee.
A Liberty Home Guard home warranty can be worth it if you do not have a household emergency fund or would have trouble covering the cost of major system or appliance repairs. Its policies include a $2,000 coverage limit for most major appliances and systems, which is higher than most other providers and contributes to the overall policy value. However, if you have a home emergency fund, you could end up paying more in premiums than you would save if you never end up filing a claim.
With an A rating from the BBB and more than five years in business, Liberty Home Guard is a legitimate operation. While individual customer experience may vary, it is licensed to sell the policies it offers and has a legitimate company history. However, we suggest you review a sample contract and ask questions about policy limitations to avoid frustration and potentially denied claims.
No, you do not need to get a new home inspection to buy coverage through Liberty Home Guard. However, the company reserves the right to request maintenance and inspection records when you file a claim — so be sure to keep your most recent documents handy.
No, Liberty Home Guard’s service contract specifically excludes air conditioning leaks of any kind from coverage.
Methodology: Our System for Rating Home Warranty Companies
Our team created a comprehensive rating system to rank the providers in this guide based on objective factors. We researched each company by speaking with representatives, reading sample contracts, and analyzing and comparing consumer reviews. We deepened our research by gaining homeowner insights through a nationwide survey of 1,000 homeowners with warranty coverage.
After collecting data, we scored each provider based on what matters most to homeowners. We then use our detailed scoring system to give each company a rating out of five stars based on the following 100-point scale:
- Plan Options (20%): Companies that offer at least three plan options and various add-on coverage score the highest in this category.
- Coverage Details (20%): We also rate companies based on the total number of home appliances and systems covered in each plan, placing more emphasis on major home systems and appliances such as plumbing, heating and refrigerators.
- Plan Pricing (18%): Home warranty providers that charge a service call fee of $75 or less and offer combination plans for less than $50 a month earn the most points in this category.
- Customer Service (16%): Home warranty companies that are available 24/7 for 365 days a year, provide emergency services and offer customers at least two claim filing options earn the highest points in this category.
- Trustworthiness (14%): We evaluate each company’s Better Business Bureau (BBB) rating, sample contract availability, workmanship guarantee and years in the industry to determine trustworthiness.
- Additional Benefits (8%): Companies that offer a 30-day free cancellation period earn points in this category. We also consider additional coverage perks and exclusive benefits, such as the ability to cancel coverage at any time.
- State Availability (4%): Providers with availability in all 50 U.S. states earn full credit in this category.
Our rating system for home warranty companies is intended to provide a thorough overview of the best providers nationwide. To learn more, you can read our full home warranty methodology.
