Liberty Dwelling Guard Evaluate (Prices & Protection in 2023)

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 house guarantee firms within the trade.

Liberty Dwelling Guard is on the market in each state besides Wisconsin and Washington, which makes it a wonderful alternative for 1000’s of house owners inside the U.S. Study extra about Liberty Dwelling Guard by studying our intensive evaluation beneath to higher decide if it’s the proper house guarantee supplier for you.

Utilizing our bounce hyperlink desk of contents to search out what you’re most all in favour of for this evaluation on Liberty Dwelling Guard.

Leap To:

  1. Our Review of Liberty Home Guard
  2. Plans, Costs & Coverage
  3. Add-Ons, Exclusions & Coverage Limits
  4. Customer Reviews
  5. LHG vs Other Providers
  6. How to File a Claim with LHG
  7. FAQ

Our Evaluate of Liberty Dwelling Guard

Complete Rating: 93 / 100 factors

Liberty Dwelling Guard is a superb alternative for house guarantee protection. This supplier not solely has wonderful protection choices but in addition 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 total rating out of 100. Liberty Dwelling Guard acquired a rating of 93, giving it an total score of 4.7 stars. The chart beneath summarizes our outcomes and you may be taught extra about every class within the following sections.

We clarify our evaluation methodology and what we search for below.

liberty home guard review scoring
liberty home guard pros and cons

Plans and Protection of Liberty Dwelling Guard

Rating: 25.5 / 24 factors 


Liberty Dwelling Guard gives three distinct plans to cowl both your home equipment, built-in techniques or a mix of each. The corporate’s Equipment Guard and Methods Guard plans cowl your main family home equipment and your main techniques, respectively. Nevertheless, in order for you complete protection, the Complete Dwelling Guard plan is the proper choice to guard towards house equipment and system breakdowns. This complete plan covers 15 techniques and home equipment, whereas different firms provide plans that cowl eight to 13 gadgets.

What units Liberty Dwelling Guard other than 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 added protection, making LHG warranties probably the most customizable.


Whereas Liberty Dwelling Guard’s most cheap plan gives wonderful primary protection, it doesn’t cowl family techniques. So if you wish to cowl main techniques, equivalent to your air conditioner, you’ll want to decide on the costliest plan. 

Whereas Liberty Dwelling Guard gives extra methods to customise your plan, the most important disadvantage 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 will probably be. 

We go into extra element on Liberty Dwelling Guard’s plans and protection below.

Affordability of Liberty Dwelling Guard

Rating: 20 / 22.5 factors


The nationwide common value of house 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. Which means for lower than $2 per day, you possibly can profit from Liberty’s most complete protection plan. 

Greater than 25 of Liberty Dwelling Guard’s extra companies value lower than $15 per thirty days, which makes these add-ons reasonably priced for most owners. This makes it simple to customise your plan to your distinctive wants.


Liberty Dwelling Guard gives quite a few add-ons, however some are dearer than add-ons provided by different house guarantee firms. For instance, LHG will cowl your swimming pool for an additional $19.99 per thirty days, whereas you possibly can shield your pool with one other house guarantee firm for lower than $15 per thirty days.

Your service name payment from Liberty Dwelling 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 house guarantee firms, you can not select your service name payment with Liberty Dwelling Guard. This implies you could not understand how a lot you’ll pay to have a technician despatched to your house, and this value might be dearer than the common.

Some house guarantee firms haven’t any cancellation payment, however sadly, Liberty Dwelling Guard isn’t considered one of them. If you happen to cancel your plan after 30 days, you will have to pay a $50 payment.

We go into extra element on the price of Liberty Dwelling Guard below.

Dwelling Guarantee Assets

Buyer Expertise of Liberty Dwelling Guard 

Rating: 14.5 / 18.5 factors 


Prospects rave about Liberty Dwelling Guard’s educated and pleasant representatives that exit of their strategy to clarify every protection plan intimately. As well as, many shoppers report fast response instances, around-the-clock help and optimistic 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 issues as they come up 

Getting a quote from Liberty is simple — you possibly can obtain an prompt, customized house 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 price range.


If you enter your data 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 will 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 Repute of Liberty Dwelling Guard 

Rating: 15.5 / 17.5 factors 


Liberty Dwelling Guard has top-of-the-line reputations of all house 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 workers because it does its prospects.


Whereas Liberty Dwelling Guard has wonderful 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 through which a customer sued over frequency of contact. Whereas some firms have greater than 50 years of expertise within the house guarantee trade, Liberty has solely been in enterprise for 5 years.

We’ve included some buyer critiques of Liberty Dwelling Guard from the BBB below.

Claims Course of of Liberty Dwelling Guard 

Rating: 12.5 / 12.5 factors 


Liberty Dwelling Guard is well-known for its simple claims course of and responsive customer support workforce. Many on-line buyer critiques report wonderful 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 telephone, it takes lower than 48 hours for it to be accredited.

Just like different house guarantee suppliers, Liberty has a 30-day ready interval earlier than you possibly can submit a declare. After this ready interval is over, you possibly can start making claims.


Though the claims course of is commonly easy, some Liberty prospects report longer wait instances as a result of technicians are required to submit footage earlier than they’ll start work. This implies you’ll typically have to schedule a number of appointments earlier than your house system or equipment is mounted.

We’ve included a step-by-step define of Liberty Dwelling Guard’s claims course of below.

Availability of Liberty Dwelling Guard 

Rating: 5 / 5 factors


Liberty Dwelling Guard is headquartered in Brooklyn, New York, and covers 48 states aside from Wisconsin and Washington. Due to its broad protection space, Liberty receives full marks on this class.


Liberty Dwelling Guard serves 96% of the U.S., however on account of service exclusions, householders in Washington and Wisconsin are at present unable to acquire house warranties by this supplier.

liberty home guard coverage map

Liberty Dwelling Guard Plans, Prices and Protection

The nationwide common for a month-to-month house 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.

If you happen to add gadgets to your plan, your month-to-month price will improve. All gadgets coated underneath Liberty’s house guarantee service value between $3.99 per thirty days and $35.99 per thirty days, however most gadgets are inside 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 payment. This payment will vary from $65 to $125, however the actual quantity relies on the service you require.

Equipment Guard Month-to-month Value Methods Guard Month-to-month Value Complete Dwelling Guard Month-to-month Value
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 householders who need simply the fundamentals coated. If you happen to 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 Dwelling Guard System Guard Plan: If you happen to simply purchased new home equipment and solely need to cowl your main house techniques, then the System Guard plan is for you. It covers your HVAC techniques, ductwork, electrical techniques, plumbing techniques and water heater.

Liberty Dwelling Guard Complete Dwelling Guard Plan: The Complete Dwelling Guard plan is good for householders who need full peace of thoughts. It consists of all the pieces within the Equipment Guard and System Guard Plans, masking a complete of 15 house techniques and home equipment.

The desk beneath reveals a side-by-side comparability of what’s coated underneath every Liberty Dwelling Guard guarantee plan.

  Equipment Plan Methods Plan Complete Dwelling Guard Plan
Garments Dryer  ✓  X  ✓
Garments Washer  ✓ ✓ 
Kitchen Fridge ✓  ✓ 
Constructed-in Microwave Oven ✓  ✓ 
Dishwasher ✓  ✓ 
Ranges/Ovens/Cooktops ✓  ✓ 
Ceiling and Exhaust Followers ✓  ✓ 
Storage Door Openers ✓  ✓ 
Air Conditioning  X ✓  ✓ 
Heating ✓  ✓ 
Ductwork ✓  ✓ 
Plumbing ✓  ✓ 
Electrical ✓  ✓ 
Water Heater ✓  ✓ 

What Optionally available Add-ons Does Liberty Dwelling Guard Supply?

Liberty Dwelling Guard gives probably the most customizable house guarantee plans due to its many out there add-ons. Together with the essential house system and equipment protection, you possibly can select so as to add as much as 42 extra gadgets to your house 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
  • Immediate Scorching Water Dispenser
  • Reverse Osmosis Water Filter System
  • Casita Visitor Unit
  • TV Mounting

Together with extra gadgets in your house, you may also pay a month-to-month payment for house companies:

  • 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 have these things in your house, you possibly can improve your protection to incorporate the next:

  • Professional Collection Fridge
  • Professional Collection Vary/Oven/Cooktop
  • Professional Collection Dishwasher
  • Professional Collection Microwave
  • Professional Collection Washing Machine
  • Professional Collection Garments Dryer
  • Professional Collection Stand Alone Freezer

Does Liberty Dwelling Guard Have Any Exclusions? 

Just like different house guarantee suppliers, Liberty Dwelling Guard does have limitations and exclusions to its house guarantee protection. Take into account that Liberty solely covers injury on account of regular put on and tear, so if you wish to get probably the most out of your house guarantee, be sure to maintain all upkeep information. 

Your Liberty Dwelling Guard house guarantee is not going to cowl the next:

  • Routine upkeep
  • Harm on account of lack of upkeep or human error
  • Improper set up or earlier repairs
  • Corrosion or rust
  • Industrial grade gear
  • Luxurious home equipment
  • Good know-how and units
  • Restore of beauty defects

Does Liberty Dwelling Guard Have Any Protection Limits?

For all gadgets included within the Equipment Guard, Methods Guard and Complete Dwelling Guard plans, protection is restricted to $2,000 per merchandise. For all extra coated gadgets, the restrict is $500 per merchandise. This quantity applies per coverage interval, that means it resets after twelve months from the date of buy.

Liberty Dwelling Guard Buyer Evaluations

Many Liberty Dwelling Guard prospects have posted each optimistic and unfavourable critiques on the BBB web site. We’ve included a couple of of those house guarantee critiques beneath. 

Constructive Evaluations of Liberty Dwelling Guard

Liberty Dwelling Guard has a whole bunch of on-line critiques that spotlight optimistic buyer experiences. Buyer satisfaction is clear from many critiques on the BBB, and lots of Liberty prospects rave in regards to the sum of money saved, educated representatives and a easy 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 situation 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 blissful to date. I hope to proceed to get an increasing number of 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 workforce has been extraordinarily dependable and saved us greater than a major sum of money 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 bought our coverage with them as a present from our realtor about three years in the past and have used the service every now and then 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 instances on the telephone and the necessity to schedule a number of technician appointments to finish a restore. Liberty usually requires service technicians to submit footage of house home equipment and techniques earlier than they are often repaired, which may delay repairs by a number of days.

[The] deductible is just too excessive, there is a ready interval earlier than you possibly can file a declare and so they require the plumber to submit images 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 out there in your space. Under you possibly can see how Liberty Dwelling Guard compares to different prime house guarantee firms.

Supplier Finest For Month-to-month Value Service Charge BBB Score Years in Enterprise
Liberty Dwelling Guard Most Customizable  $49.99 – $69.99+ $65.00 – $125.00 A – 5
American Dwelling Protect First-time Householders $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 Reasonably priced 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

Methods to File a Declare With Liberty Dwelling Guard

Liberty Dwelling Guard prospects can report a declare across the clock, any time in the course of the week. This 24/7 protection gives peace of thoughts realizing if one thing goes improper in your house, you simply must file a declare on-line or name customer support as quickly as you discover the malfunction.

liberty home guard claims process

Liberty Dwelling Guard additionally gives a 60-day workmanship assure. So if a technician has repaired considered one of your house techniques 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 house guarantee enterprise with nice buyer critiques on-line. This firm is among the many most extremely rated of all house guarantee firms, so we contemplate it an excellent choice in your house guarantee wants.

Does Liberty Dwelling Guard cowl pre-existing circumstances?

Liberty Dwelling Guard doesn’t cowl any identified or unknown pre-existing circumstances. In response to a web-based pattern contract, Liberty will solely cowl the associated fee to restore or substitute techniques and home equipment which might be 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 may 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 house techniques and home equipment no matter age. However these techniques and home equipment have to be in working order whenever you signal your guarantee contract to obtain protection.

How do you cancel a Liberty Dwelling Guard coverage?

You’ll be able to cancel your Liberty Dwelling Guard guarantee by calling the customer support line. If you happen to cancel your coverage inside the first 30 days, you’ll get a full refund. However for those who cancel after 30 days, you’ll have to pay a $50 cancellation payment.

How We Evaluated Liberty Dwelling Guard Towards Our Evaluate Standards

To assist customers such as you select one of the best house guarantee firms in your house, we dive deep into each top-rated house guarantee firm and price them based mostly on six components. As soon as we analysis an organization and have gathered all our knowledge, we use the next scoring system to grade every house guarantee firm on a 100-point scale. We then convert the rating to a 5-star score.

liberty home guard review methodology
  • Plans + Protection Choices (24 Attainable Factors): Since each buyer has totally different wants and a special price range, we award extra factors to suppliers that provide extra plans and higher flexibility. Liberty Dwelling Guard does exceptionally properly on this class as a result of it gives three totally different plans and dozens of add-ons that permit for plan customization.
  • Affordability (22.5 Attainable Factors): Value is a crucial issue as a result of many owners select house warranties to keep away from excessive funds for house equipment repairs. We consider every firm based mostly on its plans and extra companies, 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 purchasers to customise their plan to swimsuit their wants and price range.
  • Buyer Expertise (18.5 Attainable Factors): Your expertise as a buyer is vital, together with the help you obtain when contacting a house guarantee supplier. We gauge total help by taking a look at buyer critiques, conducting home-owner surveys and going by the quotes course of. Liberty Dwelling Guard has nice on-line buyer critiques and a straightforward claims course of, which implies it scores excessive on this class.
  • Firm Repute (17.5 Attainable Factors): An organization’s fame is a mix of critiques from prospects and respected organizations just like the BBB. We additionally bear in mind the years of expertise an organization has, how glad its workers 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 properly 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 properly on this class as a result of it gives house warranties in 48 states, solely excluding Wisconsin and Washington.

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