Liberty House Guard Assessment (Prices & Protection in 2022)
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Liberty House Guard (LHG) is a house guarantee firm that gives complete guarantee protection with three completely different plans and reasonably priced pricing. Established in 2017, Liberty House Guard could not have as sturdy expertise as different suppliers, however its distinctive popularity, affordability and intensive add-on protection make it among the finest dwelling guarantee firms within the trade.
Liberty House Guard is obtainable in each state besides Wisconsin and Washington, which makes it a superb alternative for hundreds of householders inside the U.S. Be taught extra about Liberty House Guard by studying our intensive overview under to raised decide if it’s the proper dwelling guarantee supplier for you.
Utilizing our soar hyperlink desk of contents to search out what you’re most excited about for this overview on Liberty House Guard.
Soar To:
- Our Assessment of Liberty House Guard
- Plans, Prices & Protection
- Add-Ons, Exclusions & Protection Limits
- LHG vs Different Suppliers
- How you can File a Declare with LHG
- FAQ
Our Assessment of Liberty House Guard
Complete Rating: 93 / 100 factors
Liberty House Guard is a superb alternative for dwelling guarantee protection. This supplier not solely has glorious protection choices but in addition reasonably priced charges, a easy claims course of and an unbeatable popularity.
Our specialists analyzed Liberty House Guard and evaluated the corporate in six classes to find out an total rating out of 100. Liberty House Guard acquired a rating of 93, giving it an total ranking of 4.7 stars. The chart under summarizes our outcomes and you may study extra about every class within the following sections.
We clarify our overview methodology and what we search for under.
Plans and Protection of Liberty House Guard
Rating: 25.5 / 24 factors
Execs
Liberty House Guard provides three distinct plans to cowl both your home equipment, built-in programs or a mix of each. The corporate’s Equipment Guard and Techniques Guard plans cowl your main family home equipment and your main programs, respectively. Nevertheless, in order for you complete protection, the Complete House Guard plan is the right choice to guard towards dwelling equipment and system breakdowns. This complete plan covers 15 programs and home equipment, whereas different firms provide plans that cowl eight to 13 gadgets.
What units Liberty House Guard aside from different suppliers is the corporate’s 42 protection add-on choices to guard luxurious gadgets like swimming swimming pools and electronics. Most different suppliers provide lower than 15 gadgets for extra protection, making LHG warranties essentially the most customizable.
Cons
Whereas Liberty House Guard’s most cheap plan provides glorious primary protection, it doesn’t cowl family programs. So if you wish to cowl main programs, resembling your air conditioner, you’ll want to decide on the costliest plan.
Whereas Liberty House Guard provides extra methods to customise your plan, the largest downside to having so many extra choices is the extra month-to-month value. The extra add-ons you embrace in your plan, the upper your month-to-month premium might be.
We go into extra element on Liberty House Guard’s plans and protection under.
Affordability of Liberty House Guard
Rating: 20 / 22.5 factors
Execs
The nationwide common value of dwelling guarantee plans is $50 monthly, and Liberty hovers proper round that worth level for each its Equipment Guard and Techniques Guard plans. Warranties from Liberty House Guard vary from $49.99 to $59.99 monthly. Because of this for lower than $2 per day, you’ll be able to profit from Liberty’s most complete protection plan.
Greater than 25 of Liberty House Guard’s extra providers value lower than $15 monthly, which makes these add-ons reasonably priced for most owners. This makes it straightforward to customise your plan to your distinctive wants.
Cons
Liberty House Guard provides quite a few add-ons, however some are costlier than add-ons supplied by different dwelling guarantee firms. For instance, LHG will cowl your swimming pool for an additional $19.99 monthly, whereas you’ll be able to defend your pool with one other dwelling guarantee firm for lower than $15 monthly.
Your service name payment from Liberty House Guard could also be as little as $65 relying on the service, however that payment will also be as excessive as $125 per name. In contrast to another dwelling guarantee firms, you can’t select your service name payment with Liberty House Guard. This implies you might not understand how a lot you’ll pay to have a technician despatched to your house, and this value may very well be costlier than the common.
Some dwelling guarantee firms don’t have any cancellation payment, however sadly, Liberty House Guard shouldn’t be one in every of them. Should you cancel your plan after 30 days, you have to to pay a $50 payment.
We go into extra element on the price of Liberty House Guard under.
House Guarantee Sources
Buyer Expertise of Liberty House Guard
Rating: 14.5 / 18.5 factors
Execs
Clients rave about Liberty House Guard’s educated and pleasant representatives that exit of their approach to clarify every protection plan intimately. As well as, many shoppers report fast response instances, around-the-clock assist and optimistic experiences when submitting claims. There are only a few complaints about Liberty House Guard on the Higher Enterprise Bureau (BBB) web site, however the firm’s customer support crew actively works to handle all buyer considerations as they come up
Getting a quote from Liberty is straightforward — you’ll be able to obtain an immediate, personalised dwelling guarantee quote on-line that means that you can examine completely different plans, charges and add-on protection. This lets you create a custom-made plan that matches your wants and month-to-month price range.
Cons
Whenever you enter your data on Liberty House Guard’s web site to obtain your free quote, you’ll obtain calls, textual content messages and emails from firm representatives. Though these people are pleasant and useful, the sheer quantity of contacts you obtain could be overwhelming. On the primary day alone, our reviewers have been contacted 13 instances. Three weeks later, the identical reviewer continued to obtain every day textual content messages and advertising and marketing emails.
Firm Fame of Liberty House Guard
Rating: 15.5 / 17.5 factors
Execs
Liberty House Guard has among the finest reputations of all dwelling guarantee firms. It has an A- ranking with the BBB and 4.7 stars on Google Opinions, which solidifies its popularity as a reliable firm. Moreover, LHG has a 4.6-star ranking on Glassdoor, which signifies that the corporate cares as a lot about its workers because it does its clients.
Cons
Whereas Liberty House Guard has glorious rankings and an energetic customer support crew that responds to complaints, it misplaced factors on this class as a consequence of its few years in enterprise and a 2020 lawsuit during which a buyer sued over frequency of contact. Whereas some firms have greater than 50 years of expertise within the dwelling guarantee trade, Liberty has solely been in enterprise for 5 years.
We’ve included some buyer critiques of Liberty House Guard from the BBB under.
Claims Course of of Liberty House Guard
Rating: 12.5 / 12.5 factors
Execs
Liberty House Guard is well-known for its straightforward claims course of and responsive customer support crew. Many on-line buyer critiques report glorious buyer care as soon as they file a declare, and a few even say it’s the best declare course of they’ve skilled. When you submit your declare on-line or over the cellphone, it takes lower than 48 hours for it to be authorised.
Just like different dwelling guarantee suppliers, Liberty has a 30-day ready interval earlier than you’ll be able to submit a declare. After this ready interval is over, you’ll be able to start making claims.
Cons
Though the claims course of is usually clean, some Liberty clients report longer wait instances as a result of technicians are required to submit photos earlier than they’ll start work. This implies you’ll typically must schedule a number of appointments earlier than your house system or equipment is fastened.
We’ve included a step-by-step define of Liberty House Guard’s claims course of under.
Availability of Liberty House Guard
Rating: 5 / 5 factors
Execs
Liberty House Guard is headquartered in Brooklyn, New York, and covers 48 states aside from Wisconsin and Washington. Due to its vast protection space, Liberty receives full marks on this class.
Cons
Liberty House Guard serves 96% of the U.S., however as a consequence of service exclusions, householders in Washington and Wisconsin are presently unable to acquire dwelling warranties via this supplier.
Liberty House Guard Plans, Prices and Protection
The nationwide common for a month-to-month dwelling guarantee is $50 monthly, and Liberty House Guard meets that fee with its Equipment Guard plan. Even so, the corporate’s Techniques Guard and Complete House Guard plans are additionally reasonably priced, beginning at $54.99 monthly and $59.99 monthly respectively.
Should you add gadgets to your plan, your month-to-month fee will enhance. All gadgets lined below Liberty’s dwelling guarantee service value between $3.99 monthly and $35.99 monthly, however most gadgets are inside the $8 to $15 monthly vary.
Each time you name Liberty House Guard to submit a declare, you’ll pay a service name payment. This payment will vary from $65 to $125, however the actual quantity is determined by the service you require.
| Equipment Guard Month-to-month Price | Techniques Guard Month-to-month Price | Complete House Guard Month-to-month Price |
| Beginning at $49.99 | Beginning at $54.99 | Beginning at $59.99 |
Liberty House Guard Equipment Guard Plan: The Equipment Guard plan is ideal for householders who need simply the fundamentals lined. Should you don’t have central air-con or have older home equipment, you must make investments on this plan. It covers eight main family home equipment — together with your dryer, washer, fridge, microwave, dishwasher, cooktop, storage door opener and exhaust fan.
Liberty House Guard System Guard Plan: Should you simply purchased new home equipment and solely wish to cowl your main dwelling programs, then the System Guard plan is for you. It covers your HVAC programs, ductwork, electrical programs, plumbing programs and water heater.
Liberty House Guard Complete House Guard Plan: The Complete House Guard plan is good for householders who need full peace of thoughts. It consists of every thing within the Equipment Guard and System Guard Plans, protecting a complete of 15 dwelling programs and home equipment.
The desk under reveals a side-by-side comparability of what’s lined below every Liberty House Guard guarantee plan.
| Equipment Plan | Techniques Plan | Complete House Guard Plan | |
| Garments Dryer | ✓ | X | ✓ |
| Garments Washer | ✓ | X | ✓ |
| Kitchen Fridge | ✓ | X | ✓ |
| Constructed-in Microwave Oven | ✓ | X | ✓ |
| Dishwasher | ✓ | X | ✓ |
| Ranges/Ovens/Cooktops | ✓ | X | ✓ |
| Ceiling and Exhaust Followers | ✓ | X | ✓ |
| Storage Door Openers | ✓ | X | ✓ |
| Air Conditioning | X | ✓ | ✓ |
| Heating | X | ✓ | ✓ |
| Ductwork | X | ✓ | ✓ |
| Plumbing | X | ✓ | ✓ |
| Electrical | X | ✓ | ✓ |
| Water Heater | X | ✓ | ✓ |
What Elective Add-ons Does Liberty House Guard Supply?
Liberty House Guard provides essentially the most customizable dwelling guarantee plans due to its many obtainable add-ons. Together with the fundamental dwelling system and equipment protection, you’ll be able to select so as to add as much as 42 extra gadgets to your house guarantee, together with:
- Pool
- Spa
- Further Spa
- Nicely Pump
- Sump Pump
- Central Vacuum
- Septic System Pumping
- Stand Alone Freezer
- Restricted Roof Leak
- Lighting Fixtures
- Re-Key
- Water Softener
- Garden Sprinkler System
- Electronics Safety
- Swamp Cooler
- Ejector Pump
- Second Fridge
- Trash Compactor
- Ice Maker (Fridge)
- Freestanding Ice Maker
- Wine Cooler
- Salt Water Pool
- Generator
- Plumbing Fixture
- Grinder Pump
- Water Dispenser Water Line
- Instantaneous Scorching Water Dispenser
- Reverse Osmosis Water Filter System
- Casita Visitor Unit
- TV Mounting
Together with extra gadgets in your house, you may as well pay a month-to-month payment for dwelling providers:
- Window Washing and Cleansing
- Gutter Cleansing
- Pest Management
- Carpet Cleansing
- Energy Washing (Exterior Flooring)
Lastly, your primary Liberty House Guard guarantee doesn’t cowl luxurious home equipment. When you have these things in your house, you’ll be able to improve your protection to incorporate the next:
- Professional Sequence Fridge
- Professional Sequence Vary/Oven/Cooktop
- Professional Sequence Dishwasher
- Professional Sequence Microwave
- Professional Sequence Washing Machine
- Professional Sequence Garments Dryer
- Professional Sequence Stand Alone Freezer
Does Liberty House Guard Have Any Exclusions?
Just like different dwelling guarantee suppliers, Liberty House Guard does have limitations and exclusions to its dwelling guarantee protection. Needless to say Liberty solely covers harm as a consequence of regular put on and tear, so if you wish to get essentially the most out of your house guarantee, ensure that to maintain all upkeep information.
Your Liberty House Guard dwelling guarantee is not going to cowl the next:
- Routine upkeep
- Harm as a consequence of lack of upkeep or human error
- Improper set up or earlier repairs
- Corrosion or rust
- Business grade gear
- Luxurious home equipment
- Sensible expertise and units
- Restore of beauty defects
Does Liberty House Guard Have Any Protection Limits?
For all gadgets included within the Equipment Guard, Techniques Guard and Complete House Guard plans, protection is proscribed to $2,000 per merchandise. For all extra lined gadgets, the restrict is $500 per merchandise. This quantity applies per coverage interval, which means it resets after one year from the date of buy.
Liberty House Guard Buyer Opinions
Many Liberty House Guard clients have posted each optimistic and unfavorable critiques on the BBB web site. We’ve included a couple of of those dwelling guarantee critiques under.
Constructive Opinions of Liberty House Guard
Liberty House Guard has lots of of on-line critiques that spotlight optimistic buyer experiences. Buyer satisfaction is obvious from many critiques on the BBB, and lots of Liberty clients rave in regards to the amount of cash saved, educated representatives and a clean claims course of.
They [Liberty Home Guard] met my expectations after they changed my rubbish disposal in 4 days. They exceeded my expectations after they changed my air conditioner in two weeks. I saved round 100 {dollars} on the rubbish disposal substitute, due to the deductible and the truth that the rubbish disposal challenge was decided to be pre-existing. I saved about $1,200 after they changed my AC. All in, I’m up about $1,180 and I’m very glad to date. I hope to proceed to get increasingly more worth from this coverage. However actually, to date the plan is price each cent I’ve paid for it.
— Amber C., 11/18/2022
Liberty’s crew has been extraordinarily dependable and saved us greater than a big amount of cash on repairs to date. Their technicians simply give off the aura of being very expert and polished and doubtless most significantly, appear extraordinarily motivated to assist. We truly initially received our coverage with them as a present from our realtor about three years in the past and have used the service every so often on a semi-regular foundation. On our final declare, Brian R. actually helped us out. As a home-owner, Liberty House Guard’s safety has confirmed to be very worthwhile.
— Madeline C., 11/14/22
Detrimental Opinions of Liberty House Guard
Some Liberty House Guard clients report lengthy wait instances on the cellphone and the necessity to schedule a number of technician appointments to finish a restore. Liberty typically requires service technicians to submit photos of dwelling home equipment and programs earlier than they are often repaired, which might delay repairs by a number of days.
[The] deductible is simply too excessive, there’s a ready interval earlier than you’ll be able to file a declare and so they require the plumber to submit images earlier than approving. Which means two appointments I needed to take off work for, one for the picture and one for him to really repair the problem.
— Rick M., 07/19/2022
Liberty House Guard vs Different House Guarantee Firms
Earlier than you select a house guarantee supplier, it’s essential to analysis the suppliers obtainable in your space. Beneath you’ll be able to see how Liberty House Guard compares to different high dwelling guarantee firms.
| Supplier | Greatest For | Month-to-month Price | Service Charge | BBB Ranking | Years in Enterprise |
| Liberty House Guard | Most Customizable | $49.99 – $69.99+ | $65.00 – $125.00 | A – | 5 |
| American House Protect | First-time Householders | $49.99 – $99.99+ | $75.00 – $125.00 | B | 51 |
| Selection House Guarantee | Worth | $46.83 -$54.75 | $85.00 | D+ | 13 |
| Choose House Guarantee | Most Inexpensive Service Charge | $60.42 – $63.75+ | $60.00 – $75.00 | B- | 10 |
| AFC House Membership | Most Added Advantages | $30.00 – $50.00+ | $75.00 – $125.00 | B | 13 |
| 2-10 House Guarantee | Kitchen Home equipment | $17.00 – $60.00+ | $65 – $100 | B | 39 |
How you can File a Declare With Liberty House Guard
Liberty House Guard clients can report a declare across the clock, any time in the course of the week. This 24/7 protection provides peace of thoughts realizing if one thing goes flawed in your house, you simply need to file a declare on-line or name customer support as quickly as you discover the malfunction.
Liberty House Guard additionally provides a 60-day workmanship assure. So if a technician has repaired one in every of your house programs and the system fails once more inside 60 days, Liberty will ship a technician to restore it at no extra cost.
FAQ: Liberty House Guard
Is Liberty House Guard respectable?
Liberty House Guard is a respectable dwelling guarantee enterprise with nice buyer critiques on-line. This firm is among the many most extremely rated of all dwelling guarantee firms, so we think about it an ideal choice in your dwelling guarantee wants.
Does Liberty House Guard cowl pre-existing situations?
Liberty House Guard doesn’t cowl any identified or unknown pre-existing situations. In response to an internet pattern contract, Liberty will solely cowl the price to restore or change programs and home equipment which are put in and in good working situation when your service contract begins.
Does Liberty House Guard cowl roof leaks?
Liberty House Guard provides roof leak safety for an extra $11.99 monthly. It will get you $500 of protection per time period, however the protection doesn’t embrace partial or full roof substitute. It solely applies to the roof leak patching that presides over residing house in a single-family residence.
Does Liberty House Guard require a house inspection?
Liberty House Guard doesn’t require a house inspection so that you can take out a house guarantee coverage, and the corporate will cowl your house programs and home equipment no matter age. However these programs and home equipment should be in working order whenever you signal your guarantee contract to obtain protection.
How do you cancel a Liberty House Guard coverage?
You may cancel your Liberty House Guard guarantee by calling the customer support line. Should you cancel your coverage inside the first 30 days, you’re going to get a full refund. However in case you cancel after 30 days, you’ll have to pay a $50 cancellation payment.
How We Evaluated Liberty House Guard In opposition to Our Assessment Standards
To assist customers such as you select the perfect dwelling guarantee firms in your dwelling, we dive deep into each top-rated dwelling guarantee firm and fee them primarily based on six elements. As soon as we analysis an organization and have gathered all our knowledge, we use the next scoring system to grade every dwelling guarantee firm on a 100-point scale. We then convert the rating to a 5-star ranking.
- Plans + Protection Choices (24 Potential Factors): Since each buyer has completely different wants and a distinct price range, we award extra factors to suppliers that provide extra plans and better flexibility. Liberty House Guard does exceptionally properly on this class as a result of it provides three completely different plans and dozens of add-ons that enable for plan customization.
- Affordability (22.5 Potential Factors): Price is a crucial issue as a result of many householders select dwelling warranties to keep away from excessive funds for dwelling equipment repairs. We consider every firm primarily based on its plans and extra providers, service name charges and cancellation phrases. Liberty’s House Guard’s plans are every reasonably priced at lower than $2 per day, and the add-on protection permits for purchasers to customise their plan to go well with their wants and price range.
- Buyer Expertise (18.5 Potential Factors): Your expertise as a buyer is essential, together with the assist you obtain when contacting a house guarantee supplier. We gauge total assist by taking a look at buyer critiques, conducting house owner surveys and going via the quotes course of. Liberty House Guard has nice on-line buyer critiques and a simple claims course of, which suggests it scores excessive on this class.
- Firm Fame (17.5 Potential Factors): An organization’s popularity is a mix of critiques from clients and respected organizations just like the BBB. We additionally keep in mind the years of expertise an organization has, how glad its workers are and any previous or pending lawsuits. Liberty has a superb A- ranking with the BBB and 4.7 stars on Google Opinions, so it does properly on this class.
- Claims Course of (12.5 Potential Factors): On this class, we take a look at the general claims course of, together with how straightforward it’s to file a declare and an organization’s response time. Liberty House Guard’s claims course of is straightforward and clients can contact a customer support consultant 24/7.
- Availability (5 Potential Factors): Availability refers to what number of states and areas an organization serves. Liberty House Guard does properly on this class as a result of it provides dwelling warranties in 48 states, solely excluding Wisconsin and Washington.
Opinions of Different House Warranties
