Liberty Home Guard Reviews

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Edited by: Ben Strauss

About Liberty Home Guard

Liberty Home Guard offers three major home warranty plans to help protect homeowners from unexpected repairs. It also has several add-ons so you can customize your coverage to your situation. The company offers plans in all 50 states and Washington, D.C., and has an extensive network of qualified technicians for necessary repairs. Liberty Home Guard’s website makes it simple to track the status of claims and view plan details.

Pros
  • No inspection required
  • Flexible coverage terms, including month-to-month
  • 60-day workmanship guarantee
  • 24/7 claims availability
Cons
  • Can't always choose your own service technician
  • 30-day waiting period

Review Summary

✦ Generated by AI from verified reviews

Reviewers describe broad coverage, knowledgeable contractors and fast turnaround on appliance repairs. Some mention partial reimbursements or pushy sales calls, but most see Liberty as reliable.

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Reviews powering this summary

✦ Generated by AI from verified reviews

Reviewers describe Liberty's claims as easy to submit by phone or online, with many customers reporting quick approvals on appliance and HVAC repairs. A few cite partial reimbursements or denials tied to contract exclusions.

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Reviews about claims

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Customers describe Liberty's coverage as comprehensive. Reviewers value protection across HVAC, plumbing, appliances and electrical systems. A few mention exclusions for parts under separate warranties, sometimes found only at claim time.

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Reviews about coverage

✦ Generated by AI from verified reviewsAbove industry average

Reviewers praise Liberty Home Guard's representatives. Many homeowners describe agents who walked them through coverage carefully and explained renewal options. Customers say signup and claim filing are typically handled in a single call.

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Reviews about customer service

✦ Generated by AI from verified reviewsAbove industry average

Homeowners describe Liberty's contractors as skilled and professional. Reviewers highlight technicians who diagnosed and fixed issues on the first visit, with strong work across HVAC and plumbing. A portion of customers describe contractors who took longer or required them to find their own pro.

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Reviews about contractors

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Customers describe Liberty's response as fast and dependable. Many reviewers report same-day or next-day technician dispatch on AC and plumbing emergencies. A few mention longer waits when an assigned contractor had to be reassigned.

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Reviews about response time

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Reviewers' value impressions of Liberty Home Guard are mixed. Some customers cite reasonable monthly rates and meaningful payouts on covered repairs. However, many homeowners describe partial reimbursements on claims or rising rates at renewal.

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Reviews about value and pricing

How does Liberty Home Guard work?

Liberty Home Guard offers three coverage plans designed to help homeowners manage the cost of repairing or replacing major home systems and appliances.

In addition to its core plans, the company offers optional add-ons that allow customers to tailor coverage to their specific needs. Liberty Home Guard does not require a home inspection to enroll, making it easier to sign up quickly.

The company operates nationwide and connects customers with a network of licensed service technicians when a covered item breaks down.

Liberty Home Guard coverage and plans

Liberty Home Guard offers three home warranty coverage plans as well as optional add-ons for an extra fee.

Customers with high-end, pro-series or commercial appliances or systems in their homes should inform the company so it can underwrite and apply the appropriate coverage.

Liberty Home Guard cost

Liberty Home Guard offers flexible payment options. You save money by purchasing an annual plan, but month-to-month plans are available.

Total home warranty costs vary by plan and location, so you have to request a custom quote to get the most accurate information.

We asked for a quote for a home in Houston and got the following pricing information for Liberty Home Guard’s three plans and additional coverage:

*For a home in Houston at the time of publishing. Price may vary by location.
*For a home in Houston at the time of publishing. Price may vary by location.

You’ll also need to pay a per-claim fee each time a technician comes out. The sample contract online lists this fee as $90 for the Total Home Guard plan.

Discounts

If you pay annually, you’ll get two months of coverage free. You can get an additional discount if you purchase home warranties for more than one property.

Liberty Home Guard coverage exclusions

Liberty Home Guard warranties cover breakdowns caused by regular use and expected wear and tear of your appliances and systems. A warranty doesn’t cover damage caused by abuse or a natural event, such as a hurricane, tornado or earthquake. Here are items not covered by the company, according to a sample contract:

  • Routine maintenance
  • Improper installation, repair or modification
  • Commercial-grade equipment or systems
  • Professional or luxury appliances
  • Flues, vents, chimneys and exhaust lines
  • Electronic, computerized or smart components
  • Filters associated with covered items
  • Cosmetic defects
  • Items under manufacturer recall or safety warning
  • Costs related to refrigerant recovery or disposal

Liberty Home Guard claims process and coverage limits

You can file a claim with Liberty Home Guard 24 hours a day, 7 days a week, 365 days a year online or over the phone. You can track the status of your claim from your account online.

Once you’ve submitted the request, Liberty Home Guard notifies a local technician. This service provider will work with you to schedule an appointment when convenient. Typically, you’ll have someone there to make repairs within 24 to 48 business hours.

This aligns with the experience of Steven in Arizona, who noted: "The plumber was assigned and called nearly immediately, and was able to accommodate my schedule for the repair."

If your claim is denied, you can file an appeal with Liberty Home Guard. First, ask for a written explanation of why your claim was denied. Then, gather evidence such as photos, maintenance records and inspection reports to support your claim. Finally, file your appeal explaining why the claim should be reconsidered.

Coverage limits

Liberty Home Guard's coverage limit is $2,000 per covered item and resets every year. Diagnosis and repair/replacement is limited to $500 for plumbing, electrical and optional items. It's also limited to $250 within the first 90 days of your coverage.

Liberty Home Guard has an extensive network of licensed contractors nationwide to complete home repairs, and each repair comes with a 60-day workmanship guarantee.

Liberty Home Guard Mobile

Liberty Home Guard Mobile, the company’s mobile app, lets you manage your home warranty from one place. The app lets you file claims and gives real-time updates on their progress. It is available for iOS and Android.

The app also lets you make and keep track of payments, connect with the company’s technician to get immediate assistance or schedule service or access troubleshooting tips and resources.

What customers are saying about Liberty Home Guard

Customers frequently highlight positive experiences with Liberty Home Guard’s representatives, noting their professionalism, knowledge and patience. Many say they received clear explanations of coverage options, pricing and claims processes, which made it easier to understand their plans. Some also report being offered special rates or flexible payment options, helping them feel more confident in their decision to purchase a home warranty.

Liberty Home Guard FAQ

Does Liberty Home Guard require a home inspection?

No, Liberty Home Guard doesn’t require a home inspection before you can buy a warranty.

How long is Liberty Home Guard’s workmanship guarantee?

Liberty Home Guard offers a 60-day workmanship guarantee when you use a technician from its network.

Can I pick my own service technician with Liberty Home Guard?

Under certain circumstances, you may be able to select your own service technician who meets LHG’s standards. However, the company recommends using a technician in LHG’s network to save money.

Where is Liberty Home Guard available?

Liberty Home Guard plans are available in 50 states and Washington, D.C.

What is Liberty Home Guard's coverage limit per item?

Liberty Home Guard’s coverage limit is $2,000 per covered item, resetting annually; $500 for plumbing, electrical, and optional items.

Can I cancel Liberty Home Guard?

Yes, you can cancel your Liberty Home Guard plan. Cancellation terms and any applicable fees depend on your contract, so it’s best to review your agreement or contact customer service for details.

Still have questions?

Is Liberty Home Guard legit?

Yes, Liberty Home Guard is a legit home warranty company. If you’re looking for a home warranty, Liberty Home Guard’s plans have some good features. 

Liberty Home Guard may be a good fit for homeowners who want flexible coverage options and the ability to customize a home warranty plan. With three coverage tiers, dozens of optional add-ons and both month-to-month and annual contracts, the company appeals to homeowners. 

Liberty Home Guard is also reasonably priced, especially if you pay annually and get two months free each year. Liberty Home Guard’s work also comes with a 60-day workmanship guarantee. 

However, Liberty Home Guard may not be the best option for homeowners who prefer saving money for home system and appliance repair expenses rather than purchasing a warranty, or for those who want complete freedom to choose their own service technician.

Liberty Home Guard Reviews

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    How do I know I can trust these reviews about Liberty Home Guard?
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    Page 1 Reviews 0 - 5
    Verified purchase
    Customer ServiceCoverageTechSales & MarketingPriceRefunds & PayoutsStaffRatesCoverage Limits

    Reviewed May 13, 2026

    I've been with Liberty Home Guard about six months. I initially saw an ad for them in my benefits for my company and the price was good. They gave me some extra months from signing on long term, and I hope I'll use it for that long term. I've had two claims and my experience was initially easy. Everything went perfectly with the microwave. The guy was very good. He came when he said he was going to, looked at the unit and said, "We're just gonna replace it instead of repair it." I was very pleased with the first interaction, but I was not at all pleased with the second one. I called Liberty for my oven and they told me they would come out and have somebody look at it.

    The service company came out, looked at my oven and repaired it, but when the service person submitted the report, they said it was so old that they needed to replace it. I replaced it and I was a bit surprised that I had to pay $750 for a new one, which almost made it feel like there was no warranty on it. However, I know how expensive they are, so it finally made sense. The installer that came to install the oven said something was not lined up. He said, "You might need an electrician or a plumber." He left the oven in my living room floor and said, "Call us back when you get it done." I said, "What am I supposed to have done?" They never could explain to me what I needed to have done before I could have the oven installed.

    I tend to believe that all home warranty companies are a scam, but I feel more comfortable having the protection, so that I don't have any surprises, but I still got a $750 surprise with the oven. When the salesman contacted me, they said, "For your service fee, we'll repair or replace," but that's not what happened. I had to pay for the service fee, then I had to pay $750 to get a new oven. All in all, I'd tell people to read the fine print and ask more questions if they don't understand it because what I was told verbally did not match what my contract said. Replace or repair does not mean they are going to replace or repair. It means they're going to either repair it or I'm going to pay to replace it.

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      Customer ServiceCoverageTechPunctuality & SpeedOnline & AppMaintenanceStaffValue

      Reviewed April 25, 2026

      Having Liberty Home Guard is a good value. They eventually get things done. I didn't have to fight for any service. It may just take longer than expected. I haven't had a big experience with claims in general, so it's a little muddled in my mind, like, “Where do I go? What do I do?” Their website is clear. But I had things that were unclear as to what was to happen next.

      I had to call because the online portion either didn't have a dropdown box for my particular question, or asked me a question that I didn't know the answer to. Who knows what models on a lot of things they have? I had to call and say, “This is what's happening.” The issue, although still needing repair, the person that I spoke with was not able to let me know that I could have flipped the switch on my thermostat to emergency heat, then it just goes to electric instead of the pump. I didn't know that. Instead, I kept using my fireplace and my electric blanket instead, while it was freezing.

      I have to take some responsibility for not knowing my own equipment and Liberty's website and how to go through things. Sometimes people who build the websites and those items never use them, so they don't have a first-hand experience as to how complicated it can be. But all in all, I wasn't unhappy. I felt that some of it was my own interpretation of some things. It took a bit longer than expected, but we all want everything right now. The contractor came, and several days later could come and check it out and repair it. The repair people were amazing, but they have to wait a bit for the part.

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      Customer ServiceClaims HandlingCoverageTechSales & MarketingPriceRefunds & PayoutsMaintenanceStaffBillingRatesCoverage Limits

      Reviewed April 21, 2026

      We were having problems where the heater was running, but not pushing out any hot air. We submitted a claim online with Liberty. Overall, it was pretty good. The hardest part was that they wanted me to be very specific about the pieces and parts of the machinery. It was easy to do when it's a refrigerator, and you can go in there, and you can take a snap of the little card plate, in the fridge, or the washer, dryer. But on these heaters and AC units, there are multiple parts. Over time, they may get repaired and replaced, and trying to find those, that was the hardest part.

      As far as pushing that out and getting the submission, just having to go through and put information in that was as right as I could get it, so that it would accept, I just did my best, and it was a little bit challenging. But I went through that and I had to pay my deductible. And based on what the technician identified, there would be a determination on whether or not the repair or replacement would be covered at that time. It's all standard stuff. They sent a service provider to review everything, and then we could get back to them as far as billing.

      The tech was awesome. He was very clear and concise. He made it very clear what my window was to get him back and let me know how to contact him, how to contact Liberty, and get him back out there. He went through everything. He was very thorough as far as asking questions of what was going on at the time, what the challenge was.

      Because when he was there, it was working fine. And that's where it kind of came out, that occasionally, you can get the vents covered for whatever reason, snow, ice, leaves. If the vents get clogged up or covered up, they can't vent adequately. So, then safety protocols kick in on the units. They're designed to keep gas and fumes, carbon monoxide, and everything else from backing up, because you can't get proper exhaust on your roof. “We see it happen. It's that perfect storm within a storm,” was how he described it. Not only is it common and everything's designed to work in that manner, you actually have to get the snow or the ice to hit it in the right way and land and then hold up to kind of keep it blocked.

      But he was just very thorough on it. We didn't have the issue repeat. We didn't have any more ice storms. So, the unit continued to work fine. Definitely there was nothing repaired. But he helped me understand situations where the safety mechanisms and stuff would have kicked in. And because that was kind of the situation that we were in at the time, it was 15, 16 degrees, and we didn't get snow. We just got freezing rain. He knew that straight away from when he was walking up, because there was still a lot of it in like areas where the sun hadn't hit yet. It was still cold enough that not everything had melted.

      My biggest problem with Liberty was when I was originally signed up, I was calling looking for a replacement to American Home Shield. I described to the salesperson what my services were, because I had the top program with American Home Shield, what they covered, and the reason I was leaving.

      And that was because they one, increased the pricing by about 25%. Then two, capped, reduced the caps on their payouts. Meaning, if your AC unit went out, instead of a $10,000 cap, they dropped it to $5,000. So, they’re jacking my rates and reducing the coverage all at the same time.

      But that said, their cap covered everything. If something had to be replaced, I paid my service fee, and they covered everything: the labor, the parts, the new unit, everything's all covered up. And Liberty said, "That's exactly what we do." I reconfirmed, because the price was so good, I thought, "Okay. Let's make sure.” And promised up, down, back, forth, left, right, that's exactly what was in there.

      Then my first claim, the guy came out, said, "Yup, this is what's wrong. This is what's broken.” It was a microwave. Liberty said, "Yup. We'll pay for your microwave. No problem." But “they also said, “It's gonna be $350 for you to have the microwave installed." They said they don't cover labor.

      Then, when my AC went out, they bought a new, not super high-end, but fully compliant AC unit. I also had to pay a few thousand dollars to the guy to actually install it. And that was my problem. They said, “You didn't read your contract very well. You had 60 days to review your contract, and you didn't do it. Obviously, because you would have very clearly seen, we don't cover the installation and the labor. We cover the parts." They've been really good about dispatching techs and getting coverage. So when I renewed my plan with them, they've now added coverage where it does include the installation and labor.

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      Customer ServiceCoverageTechPricePunctuality & SpeedMaintenanceStaffTimeliness

      Reviewed April 18, 2026

      We asked around for friends who had purchased home warranty products, and Liberty Home Guard’s name came up more than once as a company to go with. It was easy to decide to go with Liberty Home Guard because I had the referral plus they had a competitive quote. Recently, I did 2 service calls for the water heater. I did the first one over the phone because it was my first time making a claim. Then because I was directed back to the portal for tracking the status of that first claim, I was more comfortable to do the second one online.

      The first service call was to deal with a leak for the temperature and pressure release valves. The second service call was for a recirculation pump that pulls cold water out of the pipes and pushes back into the hot water tank so that we have faster hot water throughout the house. The first one was very fast. The technician rushed ou, got a replacement part within an hour and fixed it the same day. The second service required a part to be ordered and shipped to my house. Once it was shipped, I had to schedule them to install it so it took a bit longer. It would have been nice to have it fixed faster, but I understand that the part having to be sourced and shipped was the primary reason for the delay.

      I'm only six months in to house and Liberty Home Guard. For someone who is buying a resale house and is not sure about the quality or the reliability of the systems of the house, it's a great service to have in year one. It's a nice peace of mind to have, and I would refer others to Liberty Home Guard. But at the end of the term, if I'm going to renew, I'm going to have to decide whether the amount of times I used Liberty Home Guard based on the quality of the systems might be a different answer. If another six months goes by and I only used them those two times for the two hot water tank issues, then I might ask them how much for just coverage of a couple of systems instead of all the systems.

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      Customer ServiceClaims HandlingCoverageTechOnline & AppRefunds & PayoutsStaffEase of UseRates

      Reviewed April 17, 2026

      I found Liberty on Google, then I saw their claim that they were high in consumer satisfaction. I started to dig deeper and I found that the Google reviews were pretty positive. I also went on to Reddit and I learned little bit more about it. There were some mixed feelings about their Liberty experience but the thing that intrigued me the most was that Liberty is a new company coming into the industry. If you compare American Home Shield to them, they're an old company at 60 years old. But Liberty is 10 years old. So, when the company is starting and still getting good ratings, I want to give them a chance. So, I signed up with them and things have been great.

      But their website and their app are not very intuitive. I wanted to submit a claim for my window cleaning and I was asked a question that didn't make sense. I'm a self-service person, so if there's a way for me to do it without talking to human, I'd love that. But this claim submission process involved questions that were not relevant to my claim. So, I ended up talking to a human and that was how I submitted the claim. Once I submit the claim, I usually get a reference number, then I get an email asking for some suitable window or slot availability. After I submit that, someone gives me a call, then we figure out the mutual window that worked for both parties.

      So far, I've had terrible experiences with their technicians. Recently, I had a claim for the icemaker that wasn't working and the person who came in did more damage than good. This guy dented my refrigerator door and broke part of the icemaker that was working. Then he made my hallway and kitchen super dirty and didn't bother to clean up. They were very rude, too. That claim is still open and I'll get someone else to do it. This guy did not do correct diagnosis and told us about non-existent problems. He also asked me to buy some parts that were not even relevant.

      All in all, Liberty Home Guard is a good insurance company. The technicians are bad, but I can't really blame Liberty for that. They could have better technicians, but they're good at solving problems. If you're looking for a warranty company, go get Liberty. But their coverage is low, so if you have a higher value appliances, then Liberty may not be good. Especially the case that they depreciate the value of the refrigerator or appliances while reimbursing a claim. If that is not a concern for that person, Liberty is a great choice. But if that is a concern, then Liberty is not the best choice.

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      Staff

      Reviewed July 9, 2026

      Hunter patiently walked me through the entire process of finding the right plan for our household. He was proficient and incredibly helpful in answering all of my questions and concerns. I was on the fence for a while about purchasing a home warranty, but after speaking with him felt Liberty Home Guard was the best post plan for us.

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      Response from Liberty Home Guard

      Thank you for sharing your fantastic experience with Hunter and Liberty Home Guard, Lauren!

      We're delighted that his patience and expertise were instrumental in helping you find the perfect plan for your household. We're pleased that our services stood out, and your feedback motivates us to continue delivering quality assistance.

      Should you have any further questions or need additional support, please do not hesitate to reach out. We are here to help!

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      Customer ServiceCoveragePriceStaffRates

      Reviewed July 9, 2026

      Mike ** was a pleasure to deal with over the phone. His expertise and professionalism is the reason why we went with Liberty Home Guard. This company has one of the best coverages at a great price.

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      Response from Liberty Home Guard

      Thank you for sharing your positive experience with Mike and Liberty Home Guard!

      We're delighted to hear that Mike’s expertise and professionalism contributed to your decision to choose our services. We prioritize providing excellent coverage at competitive prices, and it's satisfying to know we're meeting your expectations.

      If you have any questions or need further assistance, please don't hesitate to reach out.

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      Customer ServiceCoverageStaff

      Reviewed July 8, 2026

      I was given the opportunity to upgrade my policy. Freddy the representative who called me explained the increased coverage in detail and explained and answered my questions. He then alerted me of the increased premiums. He was extremely professional and knowledgeable of all aspects of the coverage. I was able to make an informed decision based on what he presented.

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      Response from Liberty Home Guard

      Thank you for sharing your uplifting experience with Freddy!

      We’re thrilled to hear about your satisfaction with his detailed explanations and professional approach. Having such knowledgeable representatives as Freddy truly enriches our services and we are glad he made the policy upgrade understandable.

      If you need any more assistance, we’re here for you.

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      Staff

      Reviewed July 8, 2026

      Very Professional Knowledge. Pleasant to speak with. Bent over backwards to help me out. Understood my veteran status. Spoke so very clearly. I thought I was talking to a learner pro. He should be on the board of directors.

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      Response from Liberty Home Guard

      Thank you for your positive review, Thomas!

      We greatly appreciate your kind words about our team member's professionalism. It’s rewarding to know how much you valued his clear communication and dedication to helping you. Recognizing our veteran customers and understanding their needs is important to us.

      We're thrilled his efforts left such a significant impression. If you need any more assistance, we're here to help anytime.

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      Customer ServiceCoverageStaff

      Reviewed July 8, 2026

      Very refreshing to deal with a true professional as Sean A. He didn’t waste any time to call me and provide the best coverage possible. I am so glad to change my current policy with Liberty Home Guard. I can already tell that the service is echelons above my current policy with 2-10.

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      Response from Liberty Home Guard

      Thank you for sharing your stellar experience with Sean and Liberty Home Guard!

      We're thrilled to hear that his professionalism led to excellent policy options for you. It's fantastic to know that our offerings stand out compared to your prior coverage.

      If you have any questions or need further assistance, please don't hesitate to reach out. We're here to assist you!

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      Liberty Home Guard Company Information

      Company Name:
      Liberty Home Guard
      Company Type:
      Private
      Address:
      4101 Avenue U
      City:
      Brooklyn
      State/Province:
      NY
      Postal Code:
      11234
      Website:
      www.libertyhomeguard.com