September 27, 2023


New Estate

Liberty Dwelling Guard Evaluation (Prices & Protection in 2023)

15 min read

Liberty Dwelling Guard (LHG) is a house guarantee firm that provides complete guarantee protection with three completely different plans and reasonably priced pricing. Established in 2017, Liberty Dwelling Guard might not have as strong expertise as different suppliers, however its distinctive repute, affordability and intensive add-on protection make it among the best house guarantee firms within the business.

Liberty Dwelling Guard is out there in each state besides Wisconsin and Washington, which makes it a wonderful selection for 1000’s of householders inside the U.S. Study extra about Liberty Dwelling Guard by studying our intensive overview under to higher decide if it’s the proper house guarantee supplier for you.

Utilizing our soar hyperlink desk of contents to seek out what you’re most interested by for this overview 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 Evaluation of Liberty Dwelling Guard

Whole Rating: 93 / 100 factors

Liberty Dwelling Guard is a superb selection 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 repute.

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 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 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 provides three distinct plans to cowl both your home equipment, built-in methods or a mix of each. The corporate’s Equipment Guard and Programs Guard plans cowl your main family home equipment and your main methods, respectively. Nevertheless, in order for you complete protection, the Whole Dwelling Guard plan is the proper choice to guard in opposition to house equipment and system breakdowns. This complete plan covers 15 methods 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 extra protection, making LHG warranties essentially the most customizable.


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

Whereas Liberty Dwelling Guard provides extra methods to customise your plan, the largest downside to having so many further 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 likely 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 Programs Guard plans. Warranties from Liberty Dwelling Guard vary from $49.99 to $59.99 per thirty days. Which means that for lower than $2 per day, you’ll be able to profit from Liberty’s most complete protection plan. 

Greater than 25 of Liberty Dwelling Guard’s further companies value 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.


Liberty Dwelling Guard provides quite a few add-ons, however some are costlier than add-ons supplied by different house guarantee firms. For instance, LHG will cowl your swimming pool for an additional $19.99 per thirty days, whereas you’ll be able to 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 can be as excessive as $125 per name. Not like another house guarantee firms, you can not select your service name payment with Liberty Dwelling Guard. This implies it’s possible you’ll not know the way a lot you’ll pay to have a technician despatched to your property, and this value may very well be costlier than the typical.

Some house guarantee firms haven’t any cancellation payment, however sadly, Liberty Dwelling Guard will not be one in every of them. For those who cancel your plan after 30 days, you have to to pay a $50 payment.

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

Dwelling Guarantee Sources

Buyer Expertise of Liberty Dwelling Guard 

Rating: 14.5 / 18.5 factors 


Clients 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 purchasers report fast response instances, around-the-clock help 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 staff actively works to deal with all buyer considerations as they come up 

Getting a quote from Liberty is straightforward — you’ll be able to obtain an on the spot, personalised house guarantee quote on-line that means that you can evaluate completely different plans, charges and add-on protection. This lets you create a personalized 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 had been contacted 13 instances. Three weeks later, the identical reviewer continued to obtain each day textual content messages and advertising emails.

Firm Popularity of Liberty Dwelling Guard 

Rating: 15.5 / 17.5 factors 


Liberty Dwelling Guard has among the best reputations of all house guarantee firms. It has an A- ranking with the BBB and 4.7 stars on Google Opinions, which solidifies its repute 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 staff because it does its prospects.


Whereas Liberty Dwelling Guard has wonderful scores and an energetic customer support staff that responds to complaints, it misplaced factors on this class attributable to 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 business, 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 staff. 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.

Much like different house 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.


Though the claims course of is commonly clean, some Liberty prospects report longer wait instances as a result of technicians are required to submit photos earlier than they will start work. This implies you’ll typically have to schedule a number of appointments earlier than your property 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 huge protection space, Liberty receives full marks on this class.


Liberty Dwelling Guard serves 96% of the U.S., however attributable to service exclusions, owners in Washington and Wisconsin are at present unable to acquire house warranties via 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 Programs Guard and Whole Dwelling Guard plans are additionally reasonably priced, beginning at $54.99 per thirty days and $59.99 per thirty days respectively.

For those who add gadgets to your plan, your month-to-month price will improve. All gadgets coated below 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 precise quantity relies on the service you require.

Equipment Guard Month-to-month Value Programs Guard Month-to-month Value Whole 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 owners who need simply the fundamentals coated. 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 Dwelling Guard System Guard Plan: For those who simply purchased new home equipment and solely wish to cowl your main house 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 Whole Dwelling Guard Plan: The Whole Dwelling Guard plan is good for owners who need full peace of thoughts. It consists of every little thing within the Equipment Guard and System Guard Plans, overlaying a complete of 15 house methods and home equipment.

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

  Equipment Plan Programs Plan Whole 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 provides essentially the most customizable house guarantee plans due to its many out there add-ons. Together with the fundamental house system and equipment protection, you’ll be able to select so as to add as much as 42 further gadgets 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
  • Prompt Sizzling Water Dispenser
  • Reverse Osmosis Water Filter System
  • Casita Visitor Unit
  • TV Mounting

Together with further gadgets in your house, you too can 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 fundamental Liberty Dwelling Guard guarantee doesn’t cowl luxurious home equipment. When you have this stuff in your house, you’ll be able to 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? 

Much 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 harm attributable to regular put on and tear, so if you wish to get essentially the most out of your property guarantee, make certain to maintain all upkeep information. 

Your Liberty Dwelling Guard house guarantee won’t cowl the next:

  • Routine upkeep
  • Harm attributable to lack of upkeep or human error
  • Improper set up or earlier repairs
  • Corrosion or rust
  • Industrial grade gear
  • Luxurious home equipment
  • Good expertise and units
  • Restore of beauty defects

Does Liberty Dwelling Guard Have Any Protection Limits?

For all gadgets included within the Equipment Guard, Programs Guard and Whole Dwelling Guard plans, protection is restricted to $2,000 per merchandise. For all further coated gadgets, the restrict is $500 per merchandise. This quantity applies per coverage interval, which means it resets after 12 months from the date of buy.

Liberty Dwelling Guard Buyer Opinions

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

Constructive Opinions of Liberty Dwelling Guard

Liberty Dwelling Guard has lots of of on-line critiques that spotlight constructive buyer experiences. Buyer satisfaction is obvious from many critiques on the BBB, and lots of Liberty prospects rave in regards to the amount of cash saved, educated representatives and a clean 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 subject 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 to date. I hope to proceed to get increasingly more worth from this coverage. However actually, to date the plan is value each cent I’ve paid for it.

— Amber C., 11/18/2022

Liberty’s staff 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 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 every now and then on a semi-regular foundation. On our final declare, Brian R. actually helped us out. As a house owner, Liberty Dwelling Guard’s safety has confirmed to be very worthwhile.

— Madeline C., 11/14/22

Detrimental Opinions 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 photos of house home equipment and methods earlier than they are often repaired, which might delay repairs by a number of days.

[The] deductible is simply too excessive, there is a ready interval earlier than you’ll be able to file a declare they usually require the plumber to submit photographs earlier than approving. Which means two appointments I needed to take off work for, one for the photograph and one for him to truly repair the problem.

— Rick M., 07/19/2022

Liberty Dwelling Guard vs Different Dwelling Guarantee Corporations

Earlier than you select a house guarantee supplier, it’s essential to analysis the suppliers out there in your space. Under you’ll be able to see how Liberty Dwelling Guard compares to different prime house guarantee firms.

Supplier Finest For Month-to-month Value Service Price BBB Score Years in Enterprise
Liberty Dwelling Guard Most Customizable  $49.99 – $69.99+ $65.00 – $125.00 A – 5
American Dwelling Defend 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 Price $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 through the week. This 24/7 protection provides peace of thoughts figuring out if one thing goes unsuitable 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 provides 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 further cost.

FAQ: Liberty Dwelling Guard

Is Liberty Dwelling Guard reliable?

Liberty Dwelling Guard is a reliable 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 important choice in your house guarantee wants.

Does Liberty Dwelling Guard cowl pre-existing circumstances?

Liberty Dwelling Guard doesn’t cowl any recognized or unknown pre-existing circumstances. In keeping with a web based pattern contract, Liberty will solely cowl the price to restore or substitute methods 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 provides 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 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 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. For those who cancel your coverage inside the first 30 days, you’re going to 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 In opposition to Our Evaluation Standards

To assist shoppers such as you select the very best house guarantee firms in your house, we dive deep into each top-rated house guarantee firm and price them based mostly on six elements. 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 ranking.

liberty home guard review methodology
  • 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 higher flexibility. Liberty Dwelling Guard does exceptionally nicely 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): 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 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 patrons to customise their plan to swimsuit their wants and price range.
  • Buyer Expertise (18.5 Potential Factors): Your expertise as a buyer is essential, together with the help you obtain when contacting a house guarantee supplier. We gauge general help by buyer critiques, conducting home-owner surveys and going via the quotes course of. Liberty Dwelling Guard has nice on-line buyer critiques and a straightforward claims course of, which suggests it scores excessive on this class.
  • Firm Popularity (17.5 Potential Factors): An organization’s repute is a mix of critiques from prospects and respected organizations just like the BBB. We additionally have in mind the years of expertise an organization has, how happy its staff are and any previous or pending lawsuits. Liberty has a wonderful A- ranking with the BBB and 4.7 stars on Google Opinions, so it does nicely on this class.
  • Claims Course of (12.5 Potential 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 Dwelling Guard’s claims course of is straightforward and prospects can contact a customer support consultant 24/7.
  • Availability (5 Potential 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 provides house warranties in 48 states, solely excluding Wisconsin and Washington.

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