September 26, 2023

VULCANRP

New Estate

Liberty Residence Guard Evaluation (Prices & Protection in 2023)

15 min read

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

Liberty Residence Guard is obtainable in each state besides Wisconsin and Washington, which makes it a wonderful selection for hundreds of house owners throughout the U.S. Be taught extra about Liberty Residence Guard by studying our in depth overview under to raised decide if it’s the proper dwelling guarantee supplier for you.

Utilizing our bounce hyperlink desk of contents to seek out what you’re most inquisitive about for this overview on Liberty Residence Guard.

Bounce 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 Residence Guard

Complete Rating: 93 / 100 factors

Liberty Residence Guard is a superb selection for dwelling 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 Residence Guard and evaluated the corporate in six classes to find out an total rating out of 100. Liberty Residence Guard acquired a rating of 93, giving it an total ranking of 4.7 stars. The chart under summarizes our outcomes and you’ll be taught 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 Residence Guard

Rating: 25.5 / 24 factors 

Execs

Liberty Residence Guard gives three distinct plans to cowl both your home equipment, built-in techniques or a mixture of each. The corporate’s Equipment Guard and Techniques Guard plans cowl your main family home equipment and your main techniques, respectively. Nonetheless, in order for you complete protection, the Complete Residence Guard plan is the right choice to guard in opposition to dwelling equipment and system breakdowns. This complete plan covers 15 techniques and home equipment, whereas different firms provide plans that cowl eight to 13 objects.

What units Liberty Residence Guard aside from 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 probably the most customizable.

Cons

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

Whereas Liberty Residence Guard gives extra methods to customise your plan, the largest disadvantage to having so many further choices is the extra month-to-month price. The extra add-ons you embody in your plan, the upper your month-to-month premium can 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

Execs

The nationwide common price of dwelling guarantee plans is $50 monthly, and Liberty hovers proper round that worth level for each its Equipment Guard and Techniques Guard plans. Warranties from Liberty Residence Guard vary from $49.99 to $59.99 monthly. Because of this 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 further companies price lower than $15 monthly, which makes these add-ons reasonably priced for most owners. This makes it straightforward to customise your plan to your distinctive wants.

Cons

Liberty Residence Guard gives quite a few add-ons, however some are dearer than add-ons supplied by different dwelling guarantee firms. For instance, LHG will cowl your swimming pool for an additional $19.99 monthly, whereas you possibly can defend your pool with one other dwelling guarantee firm for lower than $15 monthly.

Your service name price from Liberty Residence Guard could also be as little as $65 relying on the service, however that price may also be as excessive as $125 per name. In contrast to another dwelling guarantee firms, you can’t select your service name price with Liberty Residence Guard. This implies chances are you’ll not know the way a lot you’ll pay to have a technician despatched to your house, and this price could possibly be dearer than the common.

Some dwelling guarantee firms don’t have any cancellation price, however sadly, Liberty Residence Guard is just not one in all them. Should you cancel your plan after 30 days, you have to to pay a $50 price.

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


Residence Guarantee Assets


Buyer Expertise of Liberty Residence Guard 

Rating: 14.5 / 18.5 factors 

Execs

Prospects 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 constructive 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 staff actively works to deal with all buyer considerations as they come up 

Getting a quote from Liberty is straightforward — you possibly can obtain an prompt, customized dwelling guarantee quote on-line that means that you can 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.

Cons

Whenever 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 may be overwhelming. On the primary day alone, our reviewers had been contacted 13 occasions. Three weeks later, the identical reviewer continued to obtain each day textual content messages and advertising and marketing emails.

Firm Fame of Liberty Residence Guard 

Rating: 15.5 / 17.5 factors 

Execs

Liberty Residence Guard has probably the greatest reputations of all dwelling guarantee firms. It has an A- ranking 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 ranking on Glassdoor, which signifies that the corporate cares as a lot about its staff because it does its prospects.

Cons

Whereas Liberty Residence Guard has wonderful rankings and an lively customer support staff 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 firms have greater than 50 years of expertise within the dwelling guarantee business, Liberty has solely been in enterprise for 5 years.

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

Claims Course of of Liberty Residence Guard 

Rating: 12.5 / 12.5 factors 

Execs

Liberty Residence Guard is well-known for its straightforward claims course of and responsive customer support staff. Many on-line buyer opinions 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 permitted.

Just like different dwelling 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.

Cons

Though the claims course of is commonly easy, some Liberty prospects 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 house system or equipment is fastened.

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

Execs

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.

Cons

Liberty Residence Guard serves 96% of the U.S., however as a result of service exclusions, householders in Washington and Wisconsin are presently unable to acquire dwelling warranties by way of this supplier.

liberty home guard coverage map

Liberty Residence Guard Plans, Prices and Protection

The nationwide common for a month-to-month dwelling guarantee is $50 monthly, and Liberty Residence Guard meets that fee with its Equipment Guard plan. Even so, the corporate’s Techniques Guard and Complete Residence Guard plans are additionally reasonably priced, beginning at $54.99 monthly and $59.99 monthly respectively.

Should you add objects to your plan, your month-to-month fee will enhance. All objects coated below Liberty’s dwelling guarantee service price between $3.99 monthly and $35.99 monthly, however most objects are throughout the $8 to $15 monthly vary.

Each time you name Liberty Residence Guard to submit a declare, you’ll pay a service name price. This price will vary from $65 to $125, however the actual quantity will depend on the service you require.

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

Liberty Residence Guard Complete Residence Guard Plan: The Complete Residence Guard plan is good for householders who need full peace of thoughts. It contains every little thing within the Equipment Guard and System Guard Plans, masking a complete of 15 dwelling techniques and home equipment.

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

  Equipment Plan Techniques Plan Complete 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 probably the most customizable dwelling guarantee plans due to its many accessible add-ons. Together with the fundamental dwelling system and equipment protection, you possibly can select so as to add as much as 42 further objects to your house guarantee, together with: 

  • Pool
  • Spa
  • Further 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 Scorching Water Dispenser
  • Reverse Osmosis Water Filter System
  • Casita Visitor Unit
  • TV Mounting

Together with further objects in your house, you can too pay a month-to-month price for dwelling companies:

  • 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. You probably have these things 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? 

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

Your Liberty Residence Guard dwelling 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
  • Business grade gear
  • Luxurious home equipment
  • Good expertise and gadgets
  • Restore of beauty defects

Does Liberty Residence Guard Have Any Protection Limits?

For all objects included within the Equipment Guard, Techniques Guard and Complete Residence Guard plans, protection is proscribed to $2,000 per merchandise. For all further coated objects, the restrict is $500 per merchandise. This quantity applies per coverage interval, that means it resets after 12 months from the date of buy.

Liberty Residence Guard Buyer Critiques

Many Liberty Residence Guard prospects have posted each constructive and adverse opinions on the BBB web site. We’ve included a couple of of those dwelling guarantee opinions under. 

Optimistic Critiques of Liberty Residence Guard

Liberty Residence 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 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 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 happy thus far. I hope to proceed to get increasingly more worth from this coverage. However actually, thus far the plan is price 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 major sum of money on repairs thus far. Their technicians simply give off the aura of being very expert and polished and possibly most significantly, appear extraordinarily motivated to assist. We truly initially acquired 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 house owner, Liberty Residence Guard’s safety has confirmed to be very worthwhile.

— Madeline C., 11/14/22

Unfavourable Critiques of Liberty Residence Guard

Some Liberty Residence Guard prospects report lengthy wait occasions on the cellphone and the necessity to schedule a number of technician appointments to finish a restore. Liberty usually requires service technicians to submit photos of dwelling home equipment and techniques earlier than they are often repaired, which may 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 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 difficulty.

— 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. Under you possibly can see how Liberty Residence Guard compares to different high dwelling guarantee firms.

Supplier Greatest For Month-to-month Value Service Price BBB Score Years in Enterprise
Liberty Residence Guard Most Customizable  $49.99 – $69.99+ $65.00 – $125.00 A – 5
American Residence Protect First-time Householders $49.99 – $99.99+ $75.00 – $125.00 B 51
Selection Residence Guarantee Worth $46.83 -$54.75  $85.00 D+ 13
Choose Residence Guarantee Most Reasonably priced Service Price $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

File a Declare With Liberty Residence Guard

Liberty Residence Guard prospects can report a declare across the clock, any time throughout the week. This 24/7 protection gives peace of thoughts figuring out if one thing goes incorrect in your house, you simply should 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 house techniques and the system fails once more inside 60 days, Liberty will ship a technician to restore it at no further cost.

FAQ: Liberty Residence Guard

Is Liberty Residence Guard official?

Liberty Residence Guard is a official dwelling guarantee enterprise with nice buyer opinions on-line. This firm is among the many most extremely rated of all dwelling guarantee firms, so we think about it an ideal choice on your dwelling guarantee wants.

Does Liberty Residence Guard cowl pre-existing situations?

Liberty Residence Guard doesn’t cowl any recognized or unknown pre-existing situations. In line with a web-based pattern contract, Liberty will solely cowl the fee to restore or exchange techniques 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 monthly. It will get you $500 of protection per time period, however the protection doesn’t embody partial or full roof substitute. It solely applies to the roof leak patching that presides over dwelling 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 house techniques and home equipment no matter age. However these techniques and home equipment have to be in working order if 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. Should you cancel your coverage throughout the first 30 days, you’re going to get a full refund. However if you happen to cancel after 30 days, you’ll have to pay a $50 cancellation price.

How We Evaluated Liberty Residence Guard Towards Our Evaluation Standards

To assist customers such as you select the very best dwelling guarantee firms on your dwelling, we dive deep into each top-rated dwelling guarantee firm and fee them based mostly 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 dwelling 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 Attainable Factors): Since each buyer has totally different wants and a special funds, we award extra factors to suppliers that provide extra plans and larger flexibility. Liberty Residence Guard does exceptionally properly 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 owners select dwelling warranties to keep away from excessive funds for dwelling equipment repairs. We consider every firm based mostly on its plans and extra companies, service name charges and cancellation phrases. Liberty’s Residence 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 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 total help by buyer opinions, conducting home-owner surveys and going by way of the quotes course of. Liberty Residence 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- ranking with the BBB and 4.7 stars on Google Critiques, so it does properly 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 straightforward it’s to file a declare and an organization’s response time. Liberty Residence Guard’s claims course of is easy 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 Residence Guard does properly on this class as a result of it gives dwelling warranties in 48 states, solely excluding Wisconsin and Washington.

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