Liberty Home Guard Review for 2023

Liberty Home Guard is a home warranty company that offers multiple coverages and contract options. You can cover just what you need and pay for it how you want—month to month, annually, or several years at once.

Liberty Home Guard

Liberty Home Guard’s unique approach to the claims process is certainly of a higher caliber. They offer a ‘cash-in-lieu option, which allows consumers to take a cash payment instead of having a faulty item repaired. The consumer can then take that payment and apply it towards the purchase of a brand new replacement unit.

This home warranty provider has a very knowledgeable and courteous claims department that will go above and beyond to assist you even if your faulty item is outside the scope of home warranty coverage. They’ve been known to help service smart home systems as well as home theater systems, neither of which are covered in their policies. It’s practices like these that help them retain and onboard new consumers consistently.

Filing a claim online is easy, but you can also do so over the phone. It’s fast and can be done any time or day of the year.

Looking for a home warranty? Keep reading to see if Liberty Home Guard is for you.

Liberty Home Guard Warranty Plans

Home warranties protect your homes and appliances in the event of failure or malfunction. With a contract with Liberty Home Guard, they’ll cover the costs of needed repairs or replacements. Liberty Home Guard’s plans cover the entire cost of repairs, as long as the appliance or system breaks down from normal wear and tear.

Home warranties are great for homeowners whose monthly budgets could not afford the cost of an unexpected repair or replacement cost. It offers a little peace of mind and security in much the same way as emergency roadside assistance does.

A note about prices: Prices are determined by your home’s location and size. The prices you see listed below may vary from the quotes you receive from Liberty Home Guard.

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

Appliance Guard Plan for $39.99 Monthly or $399.99 Annually

The appliance warranty plan protects all of your home’s appliances. Though it’s not the most comprehensive plan, it does include coverage for many of the items to likely need maintenance in the near future. This 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 $49.99 Monthly or $499.99 Annually

The systems home warranty plan protects all of your home’s most pricey items in the event of failure or malfunction. With a systems plan, all the following items are protected:

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

Total Home Guard for $59.99 Monthly or $599.99 Annually

The Total Home Guard warranty offers the most protection of all the home warranty plans. It includes protection for your home’s appliances and systems. Every item listed in the above sections is covered in the Total Home Guard warranty plan.

Optional Add-ons You Can Include with Any Plan

Need coverage for something you don’t see above? All the items listed below can be added to any of Liberty’s home warranty plans:

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

Liberty Home Guard Reviews

One of the best ways to research home warranty companies is by reading third-party reviews. You can discover what actual customers are saying about Liberty and other home warranty providers before you choose to do business with them. Make sure to check out Liberty Home Guard reviews and other home warranty companies from sources like the Better Business Bureau (BBB) and other consumer review sites before signing up.

Liberty Home Guard currently has a BBB rating of A+, which indicates high customer satisfaction with their services.

Liberty Home Guard Special Features

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.

How to Get a Quote from Liberty Home Guard

To get a customized quote from Liberty Home Guard, you’ll need to enter some of your personal information:

  • Full name
  • Last name
  • Email
  • Phone (Primary and Secondary)
  • Street address
  • City
  • State
  • Zip code
  • Property type
  • Property size (More or less than 5,000 square feet?)

Once you have entered your information, Liberty Home Guard will send you a quote for each plan. Choose the one you like best and fits into your budget, add on any additional items you want to be covered, and start enjoying coverage 30 days after you sign up.

You can also view a sample contract on their website to get an idea of what it will look like.

Is Liberty Home Guard Right for You?

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. You can also see the estimated arrival time after a technician has been dispatched.


Liberty’s only shortcoming isn’t one for many people. At the moment, 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 a lot of 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

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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.