Liberty Residence Guard Overview (Prices & Protection in 2023)

Liberty Residence Guard (LHG) is a house guarantee firm that gives complete guarantee protection with three totally different plans and inexpensive pricing. Established in 2017, Liberty Residence Guard could not have as sturdy expertise as different suppliers, however its distinctive fame, affordability and intensive add-on protection make it probably the greatest house guarantee corporations within the business.

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

Utilizing our leap hyperlink desk of contents to seek out what you’re most all in favour of for this evaluation on Liberty Residence Guard.

Soar 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 Overview of Liberty Residence Guard

Whole Rating: 93 / 100 factors

Liberty Residence Guard is a superb alternative for house guarantee protection. This supplier not solely has wonderful protection choices but additionally inexpensive charges, a easy claims course of and an unbeatable fame.

Our consultants analyzed Liberty Residence Guard and evaluated the corporate in six classes to find out an general rating out of 100. Liberty Residence Guard acquired 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 evaluation methodology and what we search for below.

liberty home guard review scoring
liberty home guard pros and cons

Plans and Protection of Liberty Residence Guard

Rating: 25.5 / 24 factors 


Liberty Residence Guard gives three distinct plans to cowl both your home equipment, built-in programs or a mixture of each. The corporate’s Equipment Guard and Methods Guard plans cowl your main family home equipment and your main programs, respectively. Nonetheless, if you would like complete protection, the Whole Residence Guard plan is the right choice to guard in opposition to house equipment and system breakdowns. This complete plan covers 15 programs and home equipment, whereas different corporations provide plans that cowl eight to 13 objects.

What units Liberty Residence 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 added protection, making LHG warranties essentially the most customizable.


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

Whereas Liberty Residence 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 will likely be. 

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

Affordability of Liberty Residence Guard

Rating: 20 / 22.5 factors


The nationwide common price of house guarantee plans is $50 per thirty days, and Liberty hovers proper round that value level for each its Equipment Guard and Methods Guard plans. Warranties from Liberty Residence Guard vary from $49.99 to $59.99 per thirty days. Which means that for lower than $2 per day, you possibly can profit from Liberty’s most complete protection plan. 

Greater than 25 of Liberty Residence Guard’s extra providers price lower than $15 per thirty days, which makes these add-ons inexpensive for most owners. This makes it simple to customise your plan to your distinctive wants.


Liberty Residence Guard gives quite a few add-ons, however some are dearer than add-ons provided by different house guarantee corporations. 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 charge from Liberty Residence Guard could also be as little as $65 relying on the service, however that charge will also be as excessive as $125 per name. Not like another house guarantee corporations, you can not select your service name charge with Liberty Residence Guard. This implies you could not know the way a lot you’ll pay to have a technician despatched to your property, and this price might be dearer than the common.

Some house guarantee corporations don’t have any cancellation charge, however sadly, Liberty Residence Guard is just not one in all them. For those who cancel your plan after 30 days, you’ll need to pay a $50 charge.

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

Residence Guarantee Sources

Buyer Expertise of Liberty Residence Guard 

Rating: 14.5 / 18.5 factors 


Clients rave about Liberty Residence Guard’s educated and pleasant representatives that exit of their method to clarify every protection plan intimately. As well as, many purchasers report fast response occasions, around-the-clock help and optimistic experiences when submitting claims. There are only a few complaints about Liberty Residence Guard on the Higher Enterprise Bureau (BBB) web site, however the firm’s customer support group actively works to deal with all buyer considerations as they come up 

Getting a quote from Liberty is straightforward — you possibly can obtain an instantaneous, personalised house guarantee quote on-line that lets you evaluate totally different plans, charges and add-on protection. This lets you create a custom-made plan that matches your wants and month-to-month funds.


Once you enter your data on Liberty Residence 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 might be overwhelming. On the primary day alone, our reviewers have been contacted 13 occasions. Three weeks later, the identical reviewer continued to obtain each day textual content messages and advertising emails.

Firm Repute of Liberty Residence Guard 

Rating: 15.5 / 17.5 factors 


Liberty Residence Guard has probably the greatest reputations of all house guarantee corporations. It has an A- score with the BBB and 4.7 stars on Google Critiques, 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 clients.


Whereas Liberty Residence Guard has wonderful rankings and an energetic customer support group that responds to complaints, it misplaced factors on this class as a result of its few years in enterprise and a 2020 lawsuit through which a customer sued over frequency of contact. Whereas some corporations have greater than 50 years of expertise within the house guarantee business, Liberty has solely been in enterprise for 5 years.

We’ve included some buyer evaluations of Liberty Residence Guard from the BBB below.

Claims Course of of Liberty Residence Guard 

Rating: 12.5 / 12.5 factors 


Liberty Residence Guard is well-known for its simple claims course of and responsive customer support group. Many on-line buyer evaluations 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 cellphone, it takes lower than 48 hours for it to be accredited.

Much 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 clean, some Liberty clients report longer wait occasions as a result of technicians are required to submit photos earlier than they will start work. This implies you’ll typically must schedule a number of appointments earlier than your property system or equipment is mounted.

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

Availability of Liberty Residence Guard 

Rating: 5 / 5 factors


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


Liberty Residence Guard serves 96% of the U.S., however as a result of service exclusions, owners in Washington and Wisconsin are at the moment unable to acquire house warranties via this supplier.

liberty home guard coverage map

Liberty Residence Guard Plans, Prices and Protection

The nationwide common for a month-to-month house guarantee is $50 per thirty days, and Liberty Residence Guard meets that charge with its Equipment Guard plan. Even so, the corporate’s Methods Guard and Whole Residence Guard plans are additionally inexpensive, beginning at $54.99 per thirty days and $59.99 per thirty days respectively.

For those who add objects to your plan, your month-to-month charge will improve. All objects lined beneath Liberty’s house 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 Residence Guard to submit a declare, you’ll pay a service name charge. This charge will vary from $65 to $125, however the actual quantity depends upon the service you require.

Equipment Guard Month-to-month Value Methods Guard Month-to-month Value Whole Residence Guard Month-to-month Value
Beginning at $49.99 Beginning at $54.99 Beginning at $59.99

Liberty Residence Guard Equipment Guard Plan: The Equipment Guard plan is ideal for owners who need simply the fundamentals lined. For those who 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 Residence Guard System Guard Plan: For those who simply purchased new home equipment and solely need to cowl your main house programs, then the System Guard plan is for you. It covers your HVAC programs, ductwork, electrical programs, plumbing programs and water heater.

Liberty Residence Guard Whole Residence Guard Plan: The Whole Residence 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 house programs and home equipment.

The desk beneath reveals a side-by-side comparability of what’s lined beneath every Liberty Residence Guard guarantee plan.

  Equipment Plan Methods Plan Whole Residence 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 Residence Guard Provide?

Liberty Residence Guard gives essentially the most customizable house guarantee plans due to its many accessible add-ons. Together with the essential house system and equipment protection, you possibly can select so as to add as much as 42 extra objects to your property guarantee, together with: 

  • Pool
  • Spa
  • Extra 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
  • On the spot Sizzling Water Dispenser
  • Reverse Osmosis Water Filter System
  • Casita Visitor Unit
  • TV Mounting

Together with extra objects in your house, you too can pay a month-to-month charge for house providers:

  • Window Washing and Cleansing
  • Gutter Cleansing
  • Pest Management
  • Carpet Cleansing
  • Energy Washing (Exterior Flooring)

Lastly, your primary Liberty Residence Guard guarantee doesn’t cowl luxurious home equipment. If in case you have this stuff in your house, you possibly can 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 Residence Guard Have Any Exclusions? 

Much like different house guarantee suppliers, Liberty Residence Guard does have limitations and exclusions to its house guarantee protection. Remember that Liberty solely covers harm as a result of regular put on and tear, so if you wish to get essentially the most out of your property guarantee, ensure that to maintain all upkeep information. 

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

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

Does Liberty Residence Guard Have Any Protection Limits?

For all objects included within the Equipment Guard, Methods Guard and Whole Residence Guard plans, protection is restricted to $2,000 per merchandise. For all extra lined objects, the restrict is $500 per merchandise. This quantity applies per coverage interval, which means it resets after three hundred and sixty five days from the date of buy.

Liberty Residence Guard Buyer Critiques

Many Liberty Residence Guard clients have posted each optimistic and damaging evaluations on the BBB web site. We’ve included a couple of of those house guarantee evaluations beneath. 

Optimistic Critiques of Liberty Residence Guard

Liberty Residence Guard has tons of of on-line evaluations that spotlight optimistic buyer experiences. Buyer satisfaction is clear from many evaluations on the BBB, and plenty of Liberty clients rave concerning the sum of money 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 alternative, due to the deductible and the truth that the rubbish disposal difficulty 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 completely satisfied to this point. I hope to proceed to get increasingly more worth from this coverage. However actually, to this point the plan is price each cent I’ve paid for it.

— Amber C., 11/18/2022

Liberty’s group has been extraordinarily dependable and saved us greater than a major sum of money on repairs to this point. Their technicians simply give off the aura of being very expert and polished and possibly most significantly, appear extraordinarily motivated to assist. We really initially received our coverage with them as a present from our realtor about three years in the past and have used the service on occasion on a semi-regular foundation. On our final declare, Brian R. actually helped us out. As a house owner, Liberty Residence Guard’s safety has confirmed to be very worthwhile.

— Madeline C., 11/14/22

Damaging Critiques of Liberty Residence Guard

Some Liberty Residence Guard clients 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 house 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 possibly can file a declare they usually 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 Residence Guard vs Different Residence Guarantee Firms

Earlier than you select a house guarantee supplier, it’s necessary to analysis the suppliers accessible in your space. Beneath you possibly can see how Liberty Residence Guard compares to different high house guarantee corporations.

Supplier Greatest For Month-to-month Value Service Charge BBB Ranking Years in Enterprise
Liberty Residence Guard Most Customizable  $49.99 – $69.99+ $65.00 – $125.00 A – 5
American Residence Protect First-time Owners $49.99 – $99.99+ $75.00 – $125.00 B 51
Alternative Residence Guarantee Worth $46.83 -$54.75  $85.00 D+ 13
Choose Residence Guarantee Most Inexpensive Service Charge $60.42 – $63.75+ $60.00 – $75.00 B- 10
AFC Residence Membership Most Added Advantages $30.00 – $50.00+  $75.00 – $125.00 B 13
2-10 Residence Guarantee Kitchen Home equipment  $17.00 – $60.00+ $65 – $100 B 39

Easy methods to File a Declare With Liberty Residence Guard

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

liberty home guard claims process

Liberty Residence Guard additionally gives a 60-day workmanship assure. So if a technician has repaired one in all your property programs and the system fails once more inside 60 days, Liberty will ship a technician to restore it at no extra cost.

FAQ: Liberty Residence Guard

Is Liberty Residence Guard authentic?

Liberty Residence Guard is a authentic house guarantee enterprise with nice buyer evaluations on-line. This firm is among the many most extremely rated of all house guarantee corporations, so we contemplate it an amazing choice in your house guarantee wants.

Does Liberty Residence Guard cowl pre-existing circumstances?

Liberty Residence Guard doesn’t cowl any identified or unknown pre-existing circumstances. In accordance with a web-based 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 Residence Guard cowl roof leaks?

Liberty Residence Guard gives roof leak safety for a further $11.99 per thirty days. It will get you $500 of protection per time period, however the protection doesn’t embrace partial or full roof alternative. It solely applies to the roof leak patching that presides over residing area in a single-family residence.

Does Liberty Residence Guard require a house inspection?

Liberty Residence Guard doesn’t require a house inspection so that you can take out a house guarantee coverage, and the corporate will cowl your property programs and home equipment no matter age. However these programs and home equipment have to be in working order once you signal your guarantee contract to obtain protection.

How do you cancel a Liberty Residence Guard coverage?

You’ll be able to cancel your Liberty Residence Guard guarantee by calling the customer support line. For those who cancel your coverage throughout 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 charge.

How We Evaluated Liberty Residence Guard Towards Our Overview Standards

To assist customers such as you select one of the best house guarantee corporations in your house, we dive deep into each top-rated house guarantee firm and charge 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 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 unique funds, we award extra factors to suppliers that provide extra plans and better flexibility. Liberty Residence Guard does exceptionally effectively 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): Value is a vital issue as a result of many householders select house warranties to keep away from excessive funds for house equipment repairs. We consider every firm primarily based on its plans and extra providers, service name charges and cancellation phrases. Liberty’s Residence Guard’s plans are every inexpensive at lower than $2 per day, and the add-on protection permits for patrons to customise their plan to swimsuit their wants and funds.
  • Buyer Expertise (18.5 Attainable Factors): Your expertise as a buyer is necessary, together with the help you obtain when contacting a house guarantee supplier. We gauge general help by taking a look at buyer evaluations, conducting house owner surveys and going via the quotes course of. Liberty Residence Guard has nice on-line buyer evaluations 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 mixture of evaluations from clients and respected organizations just like the BBB. We additionally take note of the years of expertise an organization has, how happy its workers are and any previous or pending lawsuits. Liberty has a wonderful A- score with the BBB and 4.7 stars on Google Critiques, so it does effectively on this class.
  • Claims Course of (12.5 Attainable Factors): On this class, we have 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 Residence Guard’s claims course of is straightforward and clients can contact a customer support consultant 24/7.
  • Availability (5 Attainable Factors): Availability refers to what number of states and areas an organization serves. Liberty Residence Guard does effectively on this class as a result of it gives house warranties in 48 states, solely excluding Wisconsin and Washington.

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