Liberty Dwelling Guard Assessment (Prices & Protection in 2023)
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Liberty Dwelling Guard (LHG) is a house guarantee firm that provides complete guarantee protection with three totally different plans and reasonably priced pricing. Established in 2017, Liberty Dwelling Guard might not have as sturdy expertise as different suppliers, however its distinctive fame, affordability and intensive add-on protection make it top-of-the-line residence guarantee firms within the trade.
Liberty Dwelling Guard is offered in each state besides Wisconsin and Washington, which makes it a wonderful alternative for 1000’s of householders throughout the U.S. Study extra about Liberty Dwelling Guard by studying our intensive assessment beneath to raised decide if it’s the proper residence guarantee supplier for you.
Utilizing our soar hyperlink desk of contents to search out what you’re most excited by for this assessment on Liberty Dwelling Guard.
Soar To:
- Our Assessment of Liberty Dwelling Guard
- Plans, Prices & Protection
- Add-Ons, Exclusions & Protection Limits
- Buyer Evaluations
- LHG vs Different Suppliers
- How one can File a Declare with LHG
- FAQ
Our Assessment of Liberty Dwelling Guard
Complete Rating: 93 / 100 factors
Liberty Dwelling Guard is a superb alternative for residence guarantee protection. This supplier not solely has glorious protection choices but additionally reasonably priced charges, a easy claims course of and an unbeatable fame.
Our specialists analyzed Liberty Dwelling Guard and evaluated the corporate in six classes to find out an general rating out of 100. Liberty Dwelling Guard obtained a rating of 93, giving it an general score of 4.7 stars. The chart beneath summarizes our outcomes and you may study extra about every class within the following sections.
We clarify our assessment methodology and what we search for beneath.
Plans and Protection of Liberty Dwelling Guard
Rating: 25.5 / 24 factors
Execs
Liberty Dwelling Guard gives three distinct plans to cowl both your home equipment, built-in methods or a mixture of each. The corporate’s Equipment Guard and Methods Guard plans cowl your main family home equipment and your main methods, respectively. Nevertheless, if you need complete protection, the Complete Dwelling Guard plan is the right possibility to guard in opposition to residence equipment and system breakdowns. This complete plan covers 15 methods and home equipment, whereas different firms provide plans that cowl eight to 13 objects.
What units Liberty Dwelling Guard other than different suppliers is the corporate’s 42 protection add-on choices to guard luxurious objects like swimming swimming pools and electronics. Most different suppliers provide lower than 15 objects for extra protection, making LHG warranties essentially the most customizable.
Cons
Whereas Liberty Dwelling Guard’s most cheap plan gives glorious primary protection, it doesn’t cowl family methods. So if you wish to cowl main methods, comparable to your air conditioner, you’ll want to decide on the most costly plan.
Whereas Liberty Dwelling Guard gives extra methods to customise your plan, the most important downside to having so many extra choices is the extra month-to-month price. The extra add-ons you embrace in your plan, the upper your month-to-month premium shall be.
We go into extra element on Liberty Dwelling Guard’s plans and protection beneath.
Affordability of Liberty Dwelling Guard
Rating: 20 / 22.5 factors
Execs
The nationwide common price of residence guarantee plans is $50 per thirty days, and Liberty hovers proper round that worth level for each its Equipment Guard and Methods Guard plans. Warranties from Liberty Dwelling Guard vary from $49.99 to $59.99 per thirty days. Because of this for lower than $2 per day, you may profit from Liberty’s most complete protection plan.
Greater than 25 of Liberty Dwelling Guard’s extra providers price lower than $15 per thirty days, which makes these add-ons reasonably priced for most householders. This makes it simple to customise your plan to your distinctive wants.
Cons
Liberty Dwelling Guard gives quite a few add-ons, however some are costlier than add-ons provided by different residence guarantee firms. For instance, LHG will cowl your swimming pool for an additional $19.99 per thirty days, whereas you may defend your pool with one other residence guarantee firm for lower than $15 per thirty days.
Your service name charge from Liberty Dwelling Guard could also be as little as $65 relying on the service, however that charge may also be as excessive as $125 per name. Not like another residence guarantee firms, you can’t select your service name charge with Liberty Dwelling Guard. This implies chances are you’ll not understand how a lot you’ll pay to have a technician despatched to your property, and this price might be costlier than the typical.
Some residence guarantee firms don’t have any cancellation charge, however sadly, Liberty Dwelling Guard shouldn’t be one in every of them. In the event you cancel your plan after 30 days, you have to to pay a $50 charge.
We go into extra element on the price of Liberty Dwelling Guard beneath.
Dwelling Guarantee Assets
Buyer Expertise of Liberty Dwelling Guard
Rating: 14.5 / 18.5 factors
Execs
Prospects rave about Liberty Dwelling Guard’s educated and pleasant representatives that exit of their option to clarify every protection plan intimately. As well as, many shoppers report fast response occasions, around-the-clock assist and constructive experiences when submitting claims. There are only a few complaints about Liberty Dwelling Guard on the Higher Enterprise Bureau (BBB) web site, however the firm’s customer support workforce actively works to deal with all buyer considerations as they come up
Getting a quote from Liberty is simple — you may obtain an on the spot, personalised residence guarantee quote on-line that permits you to examine totally different plans, charges and add-on protection. This lets you create a custom-made plan that matches your wants and month-to-month finances.
Cons
Once you enter your info on Liberty Dwelling 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 may be overwhelming. On the primary day alone, our reviewers had been contacted 13 occasions. Three weeks later, the identical reviewer continued to obtain every day textual content messages and advertising emails.
Firm Fame of Liberty Dwelling Guard
Rating: 15.5 / 17.5 factors
Execs
Liberty Dwelling Guard has top-of-the-line reputations of all residence guarantee firms. It has an A- score with the BBB and 4.7 stars on Google Evaluations, which solidifies its fame as a reliable firm. Moreover, LHG has a 4.6-star score on Glassdoor, which signifies that the corporate cares as a lot about its staff because it does its prospects.
Cons
Whereas Liberty Dwelling Guard has glorious rankings and an energetic customer support workforce that responds to complaints, it misplaced factors on this class on account 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 residence guarantee trade, Liberty has solely been in enterprise for 5 years.
We’ve included some buyer opinions of Liberty Dwelling Guard from the BBB beneath.
Claims Course of of Liberty Dwelling Guard
Rating: 12.5 / 12.5 factors
Execs
Liberty Dwelling Guard is well-known for its simple claims course of and responsive customer support workforce. Many on-line buyer opinions 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 accepted.
Just like different residence guarantee suppliers, Liberty has a 30-day ready interval earlier than you may submit a declare. After this ready interval is over, you may start making claims.
Cons
Though the claims course of is usually easy, some Liberty prospects report longer wait occasions 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 property system or equipment is fastened.
We’ve included a step-by-step define of Liberty Dwelling Guard’s claims course of beneath.
Availability of Liberty Dwelling Guard
Rating: 5 / 5 factors
Execs
Liberty Dwelling Guard is headquartered in Brooklyn, New York, and covers 48 states apart from Wisconsin and Washington. Due to its large protection space, Liberty receives full marks on this class.
Cons
Liberty Dwelling Guard serves 96% of the U.S., however on account of service exclusions, owners in Washington and Wisconsin are presently unable to acquire residence warranties by way of this supplier.
Liberty Dwelling Guard Plans, Prices and Protection
The nationwide common for a month-to-month residence guarantee is $50 per thirty days, and Liberty Dwelling Guard meets that price with its Equipment Guard plan. Even so, the corporate’s Methods Guard and Complete Dwelling Guard plans are additionally reasonably priced, beginning at $54.99 per thirty days and $59.99 per thirty days respectively.
In the event you add objects to your plan, your month-to-month price will improve. All objects coated beneath Liberty’s residence guarantee service price between $3.99 per thirty days and $35.99 per thirty days, however most objects are throughout the $8 to $15 per thirty days vary.
Each time you name Liberty Dwelling Guard to submit a declare, you’ll pay a service name charge. This charge will vary from $65 to $125, however the actual quantity relies on the service you require.
| Equipment Guard Month-to-month Price | Methods Guard Month-to-month Price | Complete Dwelling Guard Month-to-month Price |
| Beginning at $49.99 | Beginning at $54.99 | Beginning at $59.99 |
Liberty Dwelling Guard Equipment Guard Plan: The Equipment Guard plan is ideal for owners who need simply the fundamentals coated. In the event you don’t have central air con or have older home equipment, you need to 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 Dwelling Guard System Guard Plan: In the event you simply purchased new home equipment and solely wish to cowl your main residence methods, then the System Guard plan is for you. It covers your HVAC methods, ductwork, electrical methods, plumbing methods and water heater.
Liberty Dwelling Guard Complete Dwelling Guard Plan: The Complete Dwelling Guard plan is right for owners who need full peace of thoughts. It consists of every thing within the Equipment Guard and System Guard Plans, masking a complete of 15 residence methods and home equipment.
The desk beneath reveals a side-by-side comparability of what’s coated beneath every Liberty Dwelling Guard guarantee plan.
| Equipment Plan | Methods Plan | Complete Dwelling 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 Optionally available Add-ons Does Liberty Dwelling Guard Provide?
Liberty Dwelling Guard gives essentially the most customizable residence guarantee plans due to its many accessible add-ons. Together with the essential residence system and equipment protection, you may select so as to add as much as 42 extra objects to your property guarantee, together with:
- Pool
- Spa
- Further Spa
- Properly 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
- Prompt Sizzling Water Dispenser
- Reverse Osmosis Water Filter System
- Casita Visitor Unit
- TV Mounting
Together with extra objects in your house, you can even pay a month-to-month charge for residence providers:
- Window Washing and Cleansing
- Gutter Cleansing
- Pest Management
- Carpet Cleansing
- Energy Washing (Exterior Flooring)
Lastly, your primary Liberty Dwelling Guard guarantee doesn’t cowl luxurious home equipment. When you’ve got these things in your house, you may 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 Dwelling Guard Have Any Exclusions?
Just like different residence guarantee suppliers, Liberty Dwelling Guard does have limitations and exclusions to its residence guarantee protection. Take into account that Liberty solely covers injury on account of regular put on and tear, so if you wish to get essentially the most out of your property guarantee, be certain to maintain all upkeep information.
Your Liberty Dwelling Guard residence guarantee won’t cowl the next:
- Routine upkeep
- Harm on account of lack of upkeep or human error
- Improper set up or earlier repairs
- Corrosion or rust
- Business grade tools
- Luxurious home equipment
- Sensible know-how and gadgets
- Restore of beauty defects
Does Liberty Dwelling Guard Have Any Protection Limits?
For all objects included within the Equipment Guard, Methods Guard and Complete Dwelling Guard plans, protection is proscribed to $2,000 per merchandise. For all extra coated objects, 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 Dwelling Guard Buyer Evaluations
Many Liberty Dwelling Guard prospects have posted each constructive and unfavourable opinions on the BBB web site. We’ve included a couple of of those residence guarantee opinions beneath.
Constructive Evaluations of Liberty Dwelling Guard
Liberty Dwelling Guard has lots of of on-line opinions that spotlight constructive buyer experiences. Buyer satisfaction is clear from many opinions on the BBB, and lots of Liberty prospects rave concerning the sum of money saved, educated representatives and a easy claims course of.
They [Liberty Home Guard] met my expectations once they changed my rubbish disposal in 4 days. They exceeded my expectations once 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 situation was decided to be pre-existing. I saved about $1,200 once they changed my AC. All in, I’m up about $1,180 and I’m very comfortable up to now. I hope to proceed to get increasingly worth from this coverage. However actually, up to now the plan is value each cent I’ve paid for it.
— Amber C., 11/18/2022
Liberty’s workforce has been extraordinarily dependable and saved us greater than a major sum of money on repairs up to now. 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 obtained 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 Dwelling Guard’s safety has confirmed to be very worthwhile.
— Madeline C., 11/14/22
Unfavourable Evaluations of Liberty Dwelling Guard
Some Liberty Dwelling Guard prospects report lengthy wait occasions 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 residence home equipment and methods earlier than they are often repaired, which may delay repairs by a number of days.
[The] deductible is simply too excessive, there is a ready interval earlier than you may file a declare and so they require the plumber to submit photographs earlier than approving. Meaning two appointments I needed to take off work for, one for the photograph and one for him to really repair the problem.
— Rick M., 07/19/2022
Liberty Dwelling Guard vs Different Dwelling Guarantee Firms
Earlier than you select a house guarantee supplier, it’s vital to analysis the suppliers accessible in your space. Under you may see how Liberty Dwelling Guard compares to different prime residence guarantee firms.
| Supplier | Greatest For | Month-to-month Price | Service Charge | BBB Ranking | Years in Enterprise |
| Liberty Dwelling Guard | Most Customizable | $49.99 – $69.99+ | $65.00 – $125.00 | A – | 5 |
| American Dwelling Protect | First-time Owners | $49.99 – $99.99+ | $75.00 – $125.00 | B | 51 |
| Alternative Dwelling Guarantee | Worth | $46.83 -$54.75 | $85.00 | D+ | 13 |
| Choose Dwelling Guarantee | Most Inexpensive Service Charge | $60.42 – $63.75+ | $60.00 – $75.00 | B- | 10 |
| AFC Dwelling Membership | Most Added Advantages | $30.00 – $50.00+ | $75.00 – $125.00 | B | 13 |
| 2-10 Dwelling Guarantee | Kitchen Home equipment | $17.00 – $60.00+ | $65 – $100 | B | 39 |
How one can File a Declare With Liberty Dwelling Guard
Liberty Dwelling Guard prospects can report a declare across the clock, any time throughout the week. This 24/7 protection gives peace of thoughts understanding if one thing goes fallacious in your house, you simply must file a declare on-line or name customer support as quickly as you discover the malfunction.
Liberty Dwelling Guard additionally gives a 60-day workmanship assure. So if a technician has repaired one in every of your property methods and the system fails once more inside 60 days, Liberty will ship a technician to restore it at no extra cost.
FAQ: Liberty Dwelling Guard
Is Liberty Dwelling Guard respectable?
Liberty Dwelling Guard is a respectable residence guarantee enterprise with nice buyer opinions on-line. This firm is among the many most extremely rated of all residence guarantee firms, so we think about it a terrific possibility in your residence guarantee wants.
Does Liberty Dwelling Guard cowl pre-existing situations?
Liberty Dwelling Guard doesn’t cowl any identified or unknown pre-existing situations. In response to an internet pattern contract, Liberty will solely cowl the fee to restore or substitute methods and home equipment which are put in and in good working situation when your service contract begins.
Does Liberty Dwelling Guard cowl roof leaks?
Liberty Dwelling Guard gives roof leak safety for a further $11.99 per thirty days. This can 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 dwelling house in a single-family residence.
Does Liberty Dwelling Guard require a house inspection?
Liberty Dwelling Guard doesn’t require a house inspection so that you can take out a house guarantee coverage, and the corporate will cowl your property methods and home equipment no matter age. However these methods and home equipment have to be in working order if you signal your guarantee contract to obtain protection.
How do you cancel a Liberty Dwelling Guard coverage?
You possibly can cancel your Liberty Dwelling Guard guarantee by calling the customer support line. In the event you cancel your coverage throughout the first 30 days, you’ll get a full refund. However if you happen to cancel after 30 days, you’ll have to pay a $50 cancellation charge.
How We Evaluated Liberty Dwelling Guard In opposition to Our Assessment Standards
To assist shoppers such as you select one of the best residence guarantee firms in your residence, we dive deep into each top-rated residence guarantee firm and price them primarily based on six components. As soon as we analysis an organization and have gathered all our information, we use the next scoring system to grade every residence guarantee firm on a 100-point scale. We then convert the rating to a 5-star score.
- Plans + Protection Choices (24 Attainable Factors): Since each buyer has totally different wants and a special finances, we award extra factors to suppliers that provide extra plans and larger flexibility. Liberty Dwelling Guard does exceptionally nicely on this class as a result of it gives three totally different plans and dozens of add-ons that enable for plan customization.
- Affordability (22.5 Attainable Factors): Price is a crucial issue as a result of many owners select residence warranties to keep away from excessive funds for residence equipment repairs. We consider every firm primarily based on its plans and extra providers, service name charges and cancellation phrases. Liberty’s Dwelling Guard’s plans are every reasonably priced at lower than $2 per day, and the add-on protection permits for patrons to customise their plan to go well with their wants and finances.
- Buyer Expertise (18.5 Attainable Factors): Your expertise as a buyer is vital, together with the assist you obtain when contacting a house guarantee supplier. We gauge general assist by taking a look at buyer opinions, conducting home-owner surveys and going by way of the quotes course of. Liberty Dwelling Guard has nice on-line buyer opinions and a simple claims course of, which suggests it scores excessive on this class.
- Firm Fame (17.5 Attainable Factors): An organization’s fame is a mixture of opinions from prospects and respected organizations just like the BBB. We additionally take into consideration the years of expertise an organization has, how glad its staff are and any previous or pending lawsuits. Liberty has a wonderful A- score with the BBB and 4.7 stars on Google Evaluations, so it does nicely on this class.
- Claims Course of (12.5 Attainable Factors): On this class, we take a look at the general claims course of, together with how simple it’s to file a declare and an organization’s response time. Liberty Dwelling Guard’s claims course of is straightforward and prospects can contact a customer support consultant 24/7.
- Availability (5 Attainable Factors): Availability refers to what number of states and places an organization serves. Liberty Dwelling Guard does nicely on this class as a result of it gives residence warranties in 48 states, solely excluding Wisconsin and Washington.
Evaluations of Different Dwelling Warranties
