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Monthly fees
$50 and up
Service fees
$70–$125
per claim
States available
50
states, and Washington, D.C.
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Liberty Home Guard Review 2024: Prices and What to Know
With good customer reviews and three home warranty plans, Liberty Home Guard has affordable options for homeowners.
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Written by Whitney Vandiver
Writer
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Among home warranty providers, Liberty Home Guard stands out as the one with the best customer service ratings on multiple review sites. For many, that makes it a top choice.
Liberty’s plan premiums are midrange compared to competitors. And unlike others, it offers 60-day guarantees on contractor work and the option to choose your own technician. Customers can choose from three plans for coverage of appliances only, systems only or a combination. The main downside: It has relatively low coverage caps, which could leave you paying more out of pocket.
» COMPARE: Best home warranties of 2024
Deciding factors
Deciding factors | |
|---|---|
Monthly cost | $50 and up. |
Service fees | $70-$125 per call. |
Annual coverage cap* | $2,000 per covered item (including air conditioning and appliances) and $500 per item for plumbing, electrical, pool/spa and roof leak repair. |
Average customer service rating† | 4.27 out of 5. |
Technician choice | Customers can choose their own technicians and be reimbursed for the cost. |
*Annual coverage cap assumes a 12-month plan. †Average customer service rating is based on three sources: Trustpilot and ConsumerAffairs (both consumer review sites) and the Better Business Bureau. | |
How does Liberty Home Guard work?
Liberty Home Guard has home warranties that cover appliances and home systems that need to be repaired or replaced due to wear and tear. Its three home warranty plans are:
Appliance Guard covers appliances, including clothes washer and dryer, primary refrigerator, dishwasher, ovens/ranges, and built-in microwaves.
Systems Guard has coverage for main home systems, including heater, air conditioner, plumbing, electrical, ductwork and water heaters.
Total Plan combines the other two plans to cover appliances and major in-home systems.
For an additional cost, Liberty Home Guard also offers add-on coverage for items that are not included in its plans, such as a pool or limited roof leak repair.
The company’s home warranty plans will cover repairs and replacements for items that malfunction due to normal wear and tear — expected issues that result from everyday use. It doesn’t cover the cost of routine maintenance (such as cleaning) or damage due to other causes, such as improper installation or improper repair by you or a third party.
For example, if your built-in microwave stops working because a component wore out, a home warranty plan is likely to pay for its repair. But if it stops working because it was improperly installed, it wouldn't be covered.
» CHECK IT OUT: NerdWallet's best home warranties in California and best home warranties in Texas
Like most other home warranty companies, Liberty Home Guard allows customers to file a claim by phone or through an online portal. Customers can file a new claim, see the status of existing claims and view their claim history on both desktop and the mobile app.
Liberty Home Guard’s customer portal is available on desktop and in the company’s app for mobile devices. Source: Liberty Home Guard.
If you go with a Liberty Home Guard technician, they'll usually contact you to schedule an appointment within 48 hours. If you prefer to use your own technician, you’ll have to submit their information to Liberty Home Guard for review before scheduling a repair. The technician will let Liberty Home Guard know what they think is causing the issue and whether they can repair it. After a quick review, the company will notify you if your claim is approved.
Liberty Home Guard’s plans limit how much the company will pay toward a repair or replacement, which is common with home warranty providers. During your plan’s term, Liberty Home Guard will pay or reimburse you up to:
$2,000 for heating systems.
$2,000 for air conditioning systems.
$2,000 for each appliance.
$500 for electrical systems.
$500 for plumbing systems.
$500 for roof leak repair if you pay for the extra coverage.
Compared with its competitors, Liberty Home Guard is on the lower end of coverage caps. But coverage needs vary widely, and this isn’t necessarily a deal-breaker.
How much does a Liberty Home Guard warranty cost?
Liberty Home Guard plans come with monthly premiums, which start at $49.99. If you pay for an annual plan, the effective rate for the least expensive plan is $35.71 per month, the company confirms. Liberty gives customers quotes based on where they live and the plan they choose.
Examples of Liberty Home Guard's quotes for monthly premiums
Like its competitors, Liberty Home Guard also charges a service fee every time a technician comes to your house in response to a claim. Depending on the claim, Liberty Home Guard will charge customers between $70 and $125 per visit. You’ll pay this fee even if a contractor has previously looked at the appliance or system or repaired it.
Because Liberty Home Guard guarantees their repairs for 60 days, any additional work that requires a technician to come to your house during that time frame would be free.
Pros of Liberty Home Guard
Liberty Home Guard's benefits include:
60-day repair guarantee. Liberty Home Guard guarantees technicians’ work for 60 days, which is twice as long as the standard 30-day guarantee that most other companies offer.
Choice of technician. You can choose your own technician rather than going with the contractor the company assigns to your claim. If you already have preferred service providers, this option is helpful. Many competitors don’t offer this choice.
Available in all 50 states. Unlike most competitors, Liberty Home Guard has coverage available in all 50 states and Washington, D.C.
High customer satisfaction. Among home warranty providers we reviewed, Liberty has the highest customer satisfaction ratings across Trustpilot and ConsumerAffairs (both consumer review sites) and the Better Business Bureau.
Cons of Liberty Home Guard
There are a few drawbacks to Liberty Home Guard’s offerings, including:
Low coverage caps. Liberty has some of the lowest coverage caps among the companies we've reviewed. That means you might have to pay more out of pocket for higher-cost repairs and replacements.
No access repair. If a technician has to cut through a wall or concrete to access the system for repair, Liberty Home Guard will not pay to repair the wall or concrete.
» MORE: Are home warranties worth it?
Alternatives to Liberty Home Guard
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American Home Shield Home Warranty
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Choice Home Warranty
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More home warranty reviews from NerdWallet:
Methodology
NerdWallet's Home Services team evaluated home warranties across several factors, including cost, covered items, coverage limits, customer ratings, ability to choose your own technician and warranty on work completed. Because costs can vary by location, it's best to get quotes from multiple companies before making a decision. Read more about how NerdWallet rates home warranties.
