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Liberty Home Guard Review

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Liberty Home Guard Review: Top-Rated Home Warranty Plan

Liberty Home Guard Reviews

Industry expert Scott Dylan Westerlund breaks down the details you need to know and understand in this Liberty Home Guard warranty review so that you can choose the right home warranty plan. Liberty Home Guard stands out with excellent customer reviews from Google to BBB.

The company is transparent and clearly goes out of its way to put its customers first. They have a smaller sales team than other larger companies, such as Choice Home Warranty, but they operate that way purposely, with a customer-first approach.

Sales do not drive them; they’d rather stay small and provide every client with the absolute best service, which shows in their online reviews, ratings, and credentials, with a very low ratio of complaints to satisfied customers compared to other similar companies, such as Choice Home Warranty, First American Home Warranty, and Select Home Warranty.

Customer reviews on Liberty Home Guard illustrate satisfied customers.

Customers save money using Liberty Home Guard; that’s the common theme that we found in its customer reviews.

What sets Liberty Home Guard apart from all of the rest is its high customer review ratings–

  • 7,646 reviews on Google with an average rating of 4.7 out of 5
  • 2,384 BBB customer reviews with an average rating of 4.5 out of 5

Review of Liberty Home Guard Home Warranty Plans

 liberty home guard monthly cost .

Get 2 Free Months, $200 Discount & Free Roof Leak Protection

Plan 1: Liberty Home Guard’s Systems Guard home protection plan, for $54.99 per month, will replace parts and components for major home systems, including HVAC (including air conditioning and heating), ductwork, plumbing, electrical and even water heaters.

Plan 2: Liberty Home Guard’s Total Home Guard plan, for $59.99 per month, is its most comprehensive plan covering systems and appliances. Everything from your HVAC to your clothes washer, ceiling fans, and garage door openers and everything in between is covered on this plan.

Plan 3: The third plan you can choose is Liberty Home Guard’s Appliance Guard plan, for $49.99; as you probably could have guessed, this plan covers appliances only. Most home warranty companies won’t cover your refrigerator in their lowest-cost plan. However, your refrigerator is covered in this plan!

There is also a service call fee with home warranty plans. Liberty charges between $80 and $125 for this service fee.

Customers can save money on these plans by paying annually and getting two months for free!

Review Liberty Home Guard (Annual Cost)

Reviews Liberty Home Guard Cost

Customers can save money on these plans by paying annually and getting two months for free! Click here to get a free personalized quote:

  • For example, the Systems Guard Plan would cost $749.99 over 12 monthly payments, but if you pay once per year in full, the cost is $589.99.
  • The Total Home Guard annual cost is $599.99 if you pay in one shot, or by paying monthly, it will cost $799 per year.
  • And finally, the Appliance Only cost adds up to $699 per year when paid monthly or $499.99 if paid on an annual basis. You definitely will want to pick the annual payment plan if you can afford it!

These quotes are based on a home warranty plan in NY at a residential property under 5,000 square feet.

Is Liberty Home Guard the Right Choice?

Established in 2017, Liberty Home Guard (LHG) might raise skepticism due to its ‘new kid on the block’ status. However, the company embraces modern customer expectations, focusing on accessibility and user-friendly claims.

Liberty Home Guard stands out for its exceptional customer service and communication tools among the best-rated home warranty companies. They even make it easy for customers to cancel anytime, which is rare but shows they genuinely want to earn your business.

Based on reputation and customer reviews, Liberty Home Guard is among the best-rated home warranty companies.

Summary of Liberty Home Guard Reviews for 2023

What Is Liberty Home Guard?

Liberty Home Guard is a top-rated home warranty company based in Brooklyn, Connecticut. Like other providers, LHG extends coverage for major home systems and appliances through three distinct plan options for customers.

We’ll review each Liberty Home Guard home warranty plan and help you decide which one offers the most value for its price.


  • Available in all 50 states.

  • All work is backed by a 60-day guarantee.

  • As one of the best home warranty companies for add-on coverage, Liberty Home Guard offers 30 unique add-on options.

  • Customers can utilize live chat on the Liberty Home Guard website. Claims can be filed online 24/7. Technicians are usually sent to your home within 24 to 48 business hours.

  • This is one of the only companies to offer limited roof leak and pest control coverage. See Plans Here: 


  • Some Liberty Home Guard customers feel that the quote process for service call fees feels a little fuzzy.

  • LHG policies exclude coverage for pre-existing conditions.

  • LHG’s monthly premiums are on the higher side for the industry.

  • Customers can’t select their own contractors.

  • While LHG is highly rated compared to competitors that are better known by the public, it’s only been around for a few years.

Liberty Home Guard offers three warranty plans:

  • Appliance Guard: Covers appliances only, including refrigerator, clothes washer and dryer, dishwasher, microwave, garbage disposal, range/oven/cooktop, ceiling and exhaust fans, and garage door opener.
  • Systems Guard: Covers major home systems only, including air conditioning, heating, ductwork, plumbing, electrical, and water heater.
  • Total Home Guard: Covers both systems and appliances.

Liberty Home Guard also offers a variety of add-on coverage options, so homeowners can create a custom package to meet their specific needs.

Liberty Home Guard’s pricing is competitive with other home warranty companies, and customers can save money by paying annually. Service call fees range from $80 to $125.

Here is a summary of Liberty Home Guard’s warranty plans and pricing:

Plan Coverage Monthly price Annual price
Appliance Guard Appliances only $49.99 $499.99
Systems Guard Major home systems only $54.99 $549.99
Total Home Guard Systems and appliances $59.99 $599.99

Which plan is right for you?

The best Liberty Home Guard plan for you will depend on your specific needs and budget.

  • The Appliance Guard plan is a good option if you are only interested in covering your appliances.
  • If you are looking for basic coverage for your major home systems, the Systems Guard plan is a good choice.
  • And if you want the most comprehensive coverage, the Total Home Guard plan is the best option.

Things to consider when choosing a Liberty Home Guard warranty plan:

  • Add-on coverage: Liberty Home Guard offers a variety of add-on coverage options, so you can create a custom package that meets your specific needs. Some popular add-on coverage options include pool and spa coverage, septic tank coverage, and well-pump coverage.
  • Service call fee: Liberty Home Guard’s service call fee ranges from $80 to $125. This is the fee you will pay each time you file a claim.
  • Contract length: Liberty Home Guard offers contract lengths ranging from one month to five years. Customers who agree to long-term contracts enjoy steeper discounts.

Overall, Liberty Home Guard is a good choice for homeowners looking for a reliable and affordable home warranty plan. The company offers three different plans to choose from, so you can find the one that best fits your needs and budget. Liberty Home Guard also has a good reputation for customer service.

Select Home Warranty vs. Liberty Home Guard

Select Home Warranty and Liberty Home Guard both offer customers three plans with similar lists of covered items and 24/7 claims filing.

However, there are some key differences between the two companies.

Where Select Home Warranty shines:

  • Less expensive plans: Select Home Warranty’s plans are slightly less expensive than Liberty Home Guard’s plans.
  • Lower service fees: Select Home Warranty’s service fees are lower than Liberty Home Guard’s.

Where Liberty Home Guard shines:

  • More add-on options: Liberty Home Guard offers a much more extensive list of add-on coverage options than Select Home Warranty.
  • Better customer service: Liberty Home Guard has much better customer reviews and ratings than Select Home Warranty. The BBB gives Liberty Home Guard a rating of 4.56 out of 5 stars based on 2,384 customer reviews, while Select Home Warranty has a “B” rating of 2 out of 5 stars based on 1,688 customer reviews.


Overall, Select Home Warranty offers budget-friendly home warranty plans, but they don’t offer as robust coverage as Liberty Home Guard offers. Additionally, Select Home Warranty has a poor reputation for customer service, while Liberty Home Guard has a good reputation for customer service.

Complaints against Select Home Warranty:

Some common themes in Select Home Warranty BBB complaints include:

  • Delays in getting repairs and payment for approved claims
  • Difficulties in canceling Select Home Warranty plans and in reaching a manager
  • Only partially covering items that customers expected full coverage on


I recommend Liberty Home Guard over Select Home Warranty. Liberty Home Guard offers more coverage options, better customer service, and a better overall reputation. While Liberty Home Guard’s plans are slightly more expensive than Select Home Warranty’s plans, I believe that the extra cost is worth it for better coverage and customer service. Learn more about Select Home Warranty. 

Liberty Home Guard vs. Choice Home Warranty

Criteria Liberty Home Guard Choice Home Warranty
BBB 9 4
Customer Reviews 9 9
Lawsuits and Complaints 8 7
Cost 8 9
Coverage–Essential Components 10 10
Claims Processing Efficiency 10 10
Customer Support 10 10
Extra Features 10 9
Reviewer Opinion 20 18
Total Points 94 86

Both Liberty Home Guard and Choice Home Warranty have a large network of contractors nationwide and have handled millions of service requests. Choice Home Warranty’s plans are slightly cheaper than Liberty Home Guard’s plans, but Choice only offers a 30-day labor guarantee, while Liberty offers a 90-day labor guarantee.

To compare apples to apples, Choice Home Warranty’s Choice Plus plan covers appliances and plumbing for $580 per year with a $75 service call fee.

Choice Home Warranty vs. Liberty Home Guard

Liberty Home Guard’s Total Home Guard warranty plan covers almost identical systems and appliances for $599 per year, with service call fees varying from $50 to $125.

Reviews Liberty Home Guard Cost annual plan

Choice Home Warranty vs. Liberty Home Guard Customer Reviews:

Liberty Home Guard’s customer reviews beat Choice Home Warranty by a long shot. Choice Home Warranty has a “D+” rating and over 11,447 BBB complaints, with an average customer review rating of 1 out of 5 stars based on over 3900 customer reviews.

Choice Home Warranty BBB:

Choice Home Warranty vs. Liberty Home Guard customer reviews at BBB

Source: Better Business Bureau, Choice Home Warranty BBB Profile 

Liberty Home Guard BBB:

bbb review liberty home guard


I recommend Liberty Home Guard over Choice Home Warranty. Liberty Home Guard offers better coverage, a longer labor guarantee, and better customer reviews. While Liberty Home Guard’s plans are slightly more expensive than Choice Home Warranty’s plans, I believe the extra cost is worth it for the better coverage and customer service.

Is Liberty Home Guard Warranty Worth It?

Liberty Home Guard is one of the best home warranty companies for comprehensive coverage. While Liberty’s plans are slightly more expensive than many competitors, its high ratings, user-friendly digital tools, and comprehensive coverage provide quality where it counts.

The company’s bountiful coverage and flexible contract options make signing up worth it for homeowners worried about getting stuck with unexpected repair bills. Invest in a reputable home warranty plan and strong homeowners insurance to protect your home. Between the two protections, your home will be fully covered and protected.

Liberty Home Guard Plans and Coverage

Liberty Home Guard offers three plans for covering appliances, systems, or both that range in price from $58 to $66 per month:

  • Appliance Guard: Offers protection for nine of your home’s major appliances.
  • Systems Guard: Covers six major home systems.
  • Total Home Guard: Combines everything in the other two plans to give homeowners comprehensive coverage for 15 home systems and appliances.

Liberty Home Guard also offers a variety of add-on coverage options, including pool and spa coverage, sump pump coverage, and well pump coverage.

Liberty Home Guard Reviews

Liberty Home Guard has an “A” rating from the BBB and a 4.7-star rating on Google. Trustpilot users give Liberty 4.5 out of 5 stars, earning the company a hard-to-get “Excellent” rating. Overall, Liberty Home Guard stands out as a highly-rated company in an industry where negative reviews are more common than positive ones.

Liberty Home Guard Warranty Exclusions

While most appliances and systems are covered up to $2,000, there are some exceptions to Liberty Home Guard coverage limits. For example, Liberty Home Guard electrical coverage is capped at $500, and septic system pumping is capped at just $200. Every plan comes with free limited roof leak coverage. There’s also a built-in 60-day warranty on all work.

Customers need to know that Liberty Home Guard plans have some exclusions. For example, Liberty Home Guard pre-existing conditions clauses prevent coverage for items that are already damaged or broken.

Here’s a look at what else won’t be covered through a Liberty plan:

  • All routine maintenance
  • Disposal of your old systems or appliances
  • Installation of new systems or parts
  • All pre-existing conditions
  • Improperly or poorly maintained appliances or systems
  • Rust damage
  • Corrosion damage
  • Damage caused by improper installation
  • Damage from pests
  • Damage from mold
  • Valves
  • Leaks
  • Commercial-grade systems and appliances
  • Chimneys
  • Solar systems
  • Lighting
  • Smart devices

It’s also important to know that Liberty only pays for replacements of covered items according to their depreciated value. If your oven breaks down, your policy will only cover you for the depreciated value of the existing oven. While that can help you to make a big dent in the cost of a new oven, it won’t necessarily cover the full cost of the model you want.

Liberty Home Guard Claim Process

LHG customers can file claims online or by phone 24/7. After you pay the service call fee, LHG will send a technician out within 24 to 48 hours. Using simplistic Liberty Home Guard online account management, customers can track a claim’s progress online.

Liberty Home Guard Customer Service Reviews

Liberty Home Guard’s sparkling customer reviews are largely owed to the company’s above-average customer service. Liberty has one of the best online portals for creating and tracking claims. The customer service team is also highly responsive when helping customers over the phone and via live chat.

Liberty Home Guard Contractor Network

Liberty Home Guard does not allow customers to select their technicians. The company instead pulls from its network of LHG-certified technicians. While Liberty doesn’t give clear details on what that term means, we confirmed that all technicians must supply proof of licensure and certification to be considered.

Overall Recommendation

I recommend Liberty Home Guard to homeowners looking for a reliable and comprehensive home warranty plan. The company has a strong reputation for customer service and a wide range of coverage options. While Liberty’s plans are slightly more expensive than some competitors, I believe the extra cost is worth it for the better coverage and customer service.

Frequently Asked Questions

Is Liberty Home Guard a ripoff?

Is Liberty Home Guard worth it?

Is Liberty Home Guard worth it, according to customer comments on Reddit?

Liberty Home Guard vs. Landmark Home Warranty – Which plan is best?

How do I buy a home warranty from Liberty Home Guard?

How do I file a claim with Liberty Home Guard?

How long does it take after a claim is made for a technician to come?

Does Liberty Home Guard cover roof leaks?

Does Liberty Home Guard cover mold?

Does Liberty Home Guard cover water damage?

Does Liberty Home Guard cover termites and insects?

Does Liberty Home Guard cover theft?

Does Liberty Home Guard cover damage from trees?

What additional home warranty coverages are offered by Liberty Home Guard?

Does Liberty Home Guard have customer complaints?


Home Warranty Companies Rating Criteria:

Criteria Description Total Possible Points
BBB Rating A+ = 10, A = 9, A- = 8, B+ = 7, B = 6, B- = 5, C = 4, D = 3, E = 2, F = 1, No industry license = 0 1-10
Customer Reviews Average weighted rating across multiple sources, including BBB, Best Company, U.S. News 360 Reviews, Consumer Affairs, Google Reviews, TrustPilot, Investopedia, and MarketWatch. 1-10
Lawsuits and Complaints Complaints and lawsuits, resolution, responsiveness, and client-to-complaint ratio. 1-10
Cost Based on Total Cost, Monthly and Service Fees 1-10
Coverage Points for covering all major home systems, appliance components, and pre-existing conditions. 1-10
Claims Processing Ease of filing claims and efficient claims processing. 1-10
Customer Support Availability of 24/7 support, response time, and friendliness of customer service. 1-10
Extra Features Points for high-quality add-on coverage options. 1-10
Reviewer Opinion Includes the reviewer’s opinion, taking into account time in business, overall customer reviews, financial stability and transparency (as highlighted below) 1-20
Financial Stability A financially stable company is more likely to honor its commitments.
Transparency Is the company transparent about its terms and conditions? (online, through sales and contracts)

Final Rating Breakdown for Liberty Home Guard

Criteria Liberty Home Guard
Customer Reviews 9
Lawsuits and Complaints 8
Cost 8
Coverage–Essential Components 10
Claims Processing Efficiency 10
Customer Support 10
Extra Features 10
Reviewer Opinion 20
Total Points 94

About Liberty Home Guard:

  • Phone Numer: (866) 716-6830
  • Founder and CEO: Mr. David Moreno, Co-Founder and Co-CEO
  • Website:
  • Review Liberty Home Guard Plans:
  • Liberty Home Guard Mailing Address and Headquarters: Location of This Business1101 Avenue U, Brooklyn, NY 11223-5037
  • Partner, Contractor and Technician Login:




About Author

Dr. Ali
Scott Dylan Westerlund has been writing about home improvement, repair, and maintenance for almost ten years. In addition to Trusted Company Reviews, he writes for Angi, HomeAdvisor, Today's Homeowner, Homedit, Flyhomes, and HomeLight. You'll find his byline on articles about everything from buying a house and managing rentals to clearing clogged drains and picking the right lumber for your home improvement project. Prior to writing, Scott was an apprentice building contractor and property manager--so he knows how to keep the lights on and the water running.
Dr. Ali

Scott Dylan Westerlund

Last Updated: January 15, 2024

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