Liberty Home Guard Review for 2024

Liberty Home Guard stands out in the home warranty market with its innovative and customer-friendly approach, especially evident in its claims process. Central to their service is the ‘cash-in-lieu’ option, which allows customers to receive a cash payment instead of undergoing traditional repair services when a covered appliance or system fails.

Liberty Home Guard

This option, while offering flexibility and convenience, comes with specific conditions based on the item’s coverage and failure circumstances. The cash payout is determined by either the estimated repair cost or the item’s depreciated value, ensuring a balance between customer choice and fair market practices. This approach positions Liberty Home Guard as a versatile and considerate choice for homeowners seeking reliable home warranty services.

Comprehensive Coverage Options from Liberty Home Guard

Home warranties serve as a safety net for homeowners, guarding against the financial strain of unexpected repair or replacement costs. Much like emergency roadside assistance provides peace of mind to drivers, a home warranty plan with Liberty Home Guard offers similar comfort. These plans are designed to cover the expenses of repairs or replacements when your home appliances or systems fail due to normal wear and tear.

Get started with Liberty Home Guard on Liberty Home Guard’s secure website

Pricing Factors

Remember, the cost of your home warranty plan may vary depending on your home’s location and size. The following prices are indicative and could differ from the final quote you receive from Liberty Home Guard.

Appliance Guard Plan

Priced at $39.99 monthly or $399.99 annually, the Appliance Guard Plan is an affordable way to protect your home’s appliances. While it’s not the most extensive plan available, it covers a range of essential appliances, likely to need maintenance soon. This plan includes:

  • Clothes washer
  • Clothes dryer
  • Refrigerator with ice maker dispenser
  • Built-in microwave oven
  • Dishwasher
  • Garbage disposal
  • Range/oven/cooktop
  • Ceiling and exhaust fans
  • Garage door opener

Systems Guard Plan

For a monthly fee of $49.99 or an annual cost of $499.99, the Systems Guard Plan offers protection for your home’s crucial systems. This plan is a safeguard for the more expensive components of your home, covering:

  • Air conditioning
  • Heating
  • Ductwork
  • Plumbing
  • Electrical systems
  • Water heaters

Total Home Guard

The Total Home Guard, available for $59.99 monthly or $599.99 annually, provides the most comprehensive coverage. It combines the benefits of both the Appliance and Systems Guard Plans, ensuring all items listed in these plans are protected under one umbrella.

Optional Add-ons for Custom Coverage

Liberty Home Guard understands that every home is unique, and you might need coverage beyond the standard plans. They offer additional options that can be added to any plan, including:

  • Pool and spa: $17.00 monthly; $195.00 annually
  • Sump and pump: $3.00 monthly; $36.00 annually
  • Central vacuum: $3.00 monthly; $36.00 annually
  • Well pump: $9.00 monthly; $101.00 annually
  • Additional spa: $16.00 monthly; $188.00 annually
  • Septic system and septic sewage ejector pump: $11.00 monthly; $123.00 annually
  • Stand-alone freezer: $4.00 monthly; $44.00 annually
  • Second refrigerator: $4.00 monthly; $44.00 annually

These customizable options ensure that you can tailor a home warranty plan that fits your specific needs, giving you the flexibility and coverage you deserve.

Get started with Liberty Home Guard on Liberty Home Guard’s secure website

Special Features of Liberty Home Guard Services

No home inspection required: No matter how your appliances or systems are, Liberty Home Guard does not require a home inspection or any maintenance records before it will agree to protect your home.

Monthly, annual, or multi-year contract options: You can get two months free when you pay for a year all at once, but you can also just sign up for month-to-month protection. Another option is signing up for multiple years at a time. Doing this, you will save the most amount of money.

Liberty finds a contractor for you: No need to spend hours online reading through customer reviews. Liberty Home Guard will do the research for you and only sends a qualified servicer to your home who has received positive feedback online.

60-day guarantee: If your issue isn’t resolved or comes back, as long as it’s within 60 days, Liberty Home Guard will send another contractor to your home to resolve the issue free of charge.

Change your plan: If you decide you don’t need as much coverage as what you signed up for, or that you need more, Liberty Home Guard will allow you to change your plan if it’s within the first 30 days of your contract.

Automatic payment: Receive continuous protection when you sign up for automatic payment. With automatic payment, Liberty Home Guard will send you a new contract 30 days before your old contract expires. Doing this guarantees protection for your home.

Cancel anytime: You can cancel protection with Liberty Home Guard at any time. If you cancel within the first 30 days, you will get a full refund (minus the cost of a small administrative fee). After 30 days, you’ll get a prorated refund for the rest of your remaining contract.

No coverage limit: There’s no limit to the number of claims you can file in one year. If every system in your home breaks down to normal wear and tear, Liberty Home Guard covers all the repair and replacement costs.

Getting Your Customized Liberty Home Guard Quote

If you’re interested in receiving a personalized quote from Liberty Home Guard, the process is straightforward. Start by visiting their website and providing the following details:

  • Your first and last name
  • Email address
  • Primary and secondary phone numbers
  • Home address, including street, city, state, and zip code
  • The type of property you own
  • The size of your property, specifically if it’s more or less than 5,000 square feet

After submitting this information, Liberty Home Guard will promptly generate individualized quotes for their various plans. This allows you to compare options and select the plan that aligns with your needs and budget. Additionally, you have the opportunity to enhance your chosen plan with extra coverage options for specific items not included in the standard plans.

Upon choosing your plan and any add-ons, your coverage will commence 30 days from the date of sign-up. For a clearer understanding of the terms and conditions, Liberty Home Guard also provides access to a sample contract on their website. This sample can be a valuable resource for ensuring you are fully informed about the coverage and services offered before making a commitment.

Liberty Home Guard Reviews

When considering a home warranty service like Liberty Home Guard, it’s wise to explore reviews from independent sources. Third-party reviews offer an unbiased perspective, showcasing real customer experiences. These can provide valuable insights into the company’s reliability, customer service quality, and how they handle claims and disputes.

To gather a comprehensive view, explore customer feedback on platforms such as the Better Business Bureau (BBB), where Liberty Home Guard holds an A+ rating. This rating reflects overall customer satisfaction and trust in the company. However, it’s crucial to read individual reviews and not rely solely on the rating. Reading through various customer testimonials can give you a better sense of common experiences, both positive and negative.

Additionally, consider checking other consumer review websites and forums. These platforms often feature detailed accounts of customer interactions with the company, including response times, ease of filing claims, and the quality of repair services. By doing this, you’ll gain a more rounded understanding of what to expect from Liberty Home Guard and how they compare to other home warranty providers in the market.

Determining if Liberty Home Guard Fits Your Needs

When considering a home warranty service, it’s crucial to evaluate how well it aligns with your specific needs and expectations. Liberty Home Guard offers a range of features and services that cater to various homeowner requirements.

Easy Claims Process

To file a claim for a covered item with Liberty Home Guard, all you need to do is request service. You can do this either online or over the phone. You’ll pay a set service fee and then be put into contact with a contractor to schedule an appointment.

The contractor will diagnose your appliance or system and then informs Liberty Home Guard of what it needs. Whether it needs to be repaired or replaced, they should cover the expense. Once the appliance is worked on or replaced, Liberty will contact you afterward to ensure that you are happy with how everything worked out.

No Obligation Contract

Liberty Home Guard does not bind its customers to a 12-month contract. If you just want to give it a try, there’s no risk to do so. You can cancel any time, even if you have filed a claim. If you have filed a claim and wish to cancel, you’ll get back any fees you’ve paid minus any services you received.

Customer Service

You can contact Liberty Home Guard’s customer service 24/7, 365 days a year. You can get live claims process updates online or by using the mobile app. Likewise, you can see the estimated arrival time after a technician has been dispatched.


Liberty’s only shortcoming isn’t one for many people. Currently, the home warranty company takes it upon itself to find a contractor for every claim. In some circumstances, the customer can do this, but most of the time, they can’t.

As anyone who has worked with numerous contractors knows, this isn’t necessarily a bad thing. However, if you have someone you’ve worked with before and have a good relationship with that person, this may not be ideal.

Get started with Liberty Home Guard on Liberty Home Guard’s secure website

Top Home Warranty Companies

Lauren Ward
Meet the author

Lauren is a personal finance writer who strives to equip readers with the knowledge to achieve their financial objectives. She has over a decade of experience and a Bachelor's degree in Japanese from Georgetown University.