Liberty Dwelling Guard Overview (Prices & Protection in 2023)

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

Liberty Dwelling Guard is out there in each state besides Wisconsin and Washington, which makes it a superb selection for 1000’s of house owners throughout the U.S. Be taught extra about Liberty Dwelling Guard by studying our intensive evaluate beneath to raised decide if it’s the proper dwelling guarantee supplier for you.

Utilizing our soar hyperlink desk of contents to seek out what you’re most fascinated with for this evaluate 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 Overview of Liberty Dwelling Guard

Complete Rating: 93 / 100 factors

Liberty Dwelling Guard is a superb selection for dwelling guarantee protection. This supplier not solely has glorious protection choices but in addition inexpensive 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 total rating out of 100. Liberty Dwelling Guard obtained a rating of 93, giving it an total ranking of 4.7 stars. The chart beneath summarizes our outcomes and you’ll be taught extra about every class within the following sections.

We clarify our evaluate 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 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. Nevertheless, if you would like complete protection, the Complete Dwelling Guard plan is the right choice to guard in opposition to dwelling equipment and system breakdowns. This complete plan covers 15 programs and home equipment, whereas different firms provide plans that cowl eight to 13 gadgets.

What units Liberty Dwelling Guard aside from 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 gives glorious fundamental protection, it doesn’t cowl family programs. So if you wish to cowl main programs, corresponding 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 downside to having so many extra choices is the extra month-to-month value. The extra add-ons you embody 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 dwelling guarantee plans is $50 per 30 days, and Liberty hovers proper round that value level for each its Equipment Guard and Methods Guard plans. Warranties from Liberty Dwelling Guard vary from $49.99 to $59.99 per 30 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 extra companies value lower than $15 per 30 days, which makes these add-ons inexpensive 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 costlier than add-ons provided by different dwelling guarantee firms. For instance, LHG will cowl your swimming pool for an additional $19.99 per 30 days, whereas you’ll be able to defend your pool with one other dwelling guarantee firm for lower than $15 per 30 days.

Your service name charge from Liberty Dwelling Guard could also be as little as $65 relying on the service, however that charge may also be as excessive as $125 per name. Not like another dwelling guarantee firms, you can not select your service name charge with Liberty Dwelling Guard. This implies it’s possible you’ll not understand how a lot you’ll pay to have a technician despatched to your private home, and this value could possibly be costlier than the typical.

Some dwelling guarantee firms don’t have any cancellation charge, however sadly, Liberty Dwelling Guard just isn’t one among them. In case you cancel your plan after 30 days, you’ll need to pay a $50 charge.

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 technique to clarify every protection plan intimately. As well as, many shoppers report fast response instances, around-the-clock assist 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 group actively works to deal with all buyer considerations as they come up 

Getting a quote from Liberty is simple — you’ll be able to obtain an immediate, customized dwelling guarantee quote on-line that permits you to 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 finances.


Once you enter your info 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 might 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 and marketing emails.

Firm Status of Liberty Dwelling Guard 

Rating: 15.5 / 17.5 factors 


Liberty Dwelling 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 Evaluations, 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 glorious rankings and an lively customer support group that responds to complaints, it misplaced factors on this class as a consequence 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 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 group. Many on-line buyer critiques report glorious 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’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 usually easy, some Liberty prospects report longer wait instances as a result of technicians are required to submit footage earlier than they will start work. This implies you’ll generally have to schedule a number of appointments earlier than your private home 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 extensive protection space, Liberty receives full marks on this class.


Liberty Dwelling Guard serves 96% of the U.S., however as a consequence of service exclusions, owners in Washington and Wisconsin are at the moment unable to acquire dwelling warranties by way of this supplier.

liberty home guard coverage map

Liberty Dwelling Guard Plans, Prices and Protection

The nationwide common for a month-to-month dwelling guarantee is $50 per 30 days, and Liberty Dwelling Guard meets that charge with its Equipment Guard plan. Even so, the corporate’s Methods Guard and Complete Dwelling Guard plans are additionally inexpensive, beginning at $54.99 per 30 days and $59.99 per 30 days respectively.

In case you add gadgets to your plan, your month-to-month charge will improve. All gadgets lined below Liberty’s dwelling guarantee service value between $3.99 per 30 days and $35.99 per 30 days, however most gadgets are throughout the $8 to $15 per 30 days vary.

Each time you name Liberty Dwelling Guard to submit a declare, you’ll pay a service name charge. This charge will vary from $65 to $125, however the actual quantity will depend 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 owners who need simply the fundamentals lined. In case you don’t have central air con or have older home equipment, it is best 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: In case you simply purchased new home equipment and solely wish to cowl your main dwelling programs, then the System Guard plan is for you. It covers your HVAC programs, ductwork, electrical programs, plumbing programs and water heater.

Liberty Dwelling Guard Complete Dwelling Guard Plan: The Complete Dwelling Guard plan is good for owners who need full peace of thoughts. It contains every thing within the Equipment Guard and System Guard Plans, protecting a complete of 15 dwelling programs and home equipment.

The desk beneath exhibits a side-by-side comparability of what’s lined below 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 Non-compulsory Add-ons Does Liberty Dwelling Guard Supply?

Liberty Dwelling Guard gives essentially the most customizable dwelling guarantee plans due to its many obtainable add-ons. Together with the fundamental dwelling system and equipment protection, you’ll be able to select so as to add as much as 42 extra gadgets to your private home guarantee, together with: 

  • Pool
  • Spa
  • Further Spa
  • Effectively 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 gadgets in your house, you can too pay a month-to-month charge for dwelling 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. If in case 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? 

Just like different dwelling guarantee suppliers, Liberty Dwelling Guard does have limitations and exclusions to its dwelling guarantee protection. Needless to say Liberty solely covers injury as a consequence of regular put on and tear, so if you wish to get essentially the most out of your private home guarantee, ensure to maintain all upkeep data. 

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

  • Routine upkeep
  • Injury as a consequence of lack of upkeep or human error
  • Improper set up or earlier repairs
  • Corrosion or rust
  • Industrial grade tools
  • Luxurious home equipment
  • Sensible 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 lined gadgets, 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 Dwelling Guard Buyer Evaluations

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

Constructive Evaluations of Liberty Dwelling Guard

Liberty Dwelling Guard has tons of of on-line critiques that spotlight optimistic buyer experiences. Buyer satisfaction is clear from many critiques on the BBB, and plenty of Liberty prospects rave in regards to the amount of cash 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 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 joyful up to now. I hope to proceed to get an increasing number of worth from this coverage. However actually, up to now the plan is value 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 big amount of cash on repairs up to now. Their technicians simply give off the aura of being very expert and polished and doubtless most significantly, appear extraordinarily motivated to assist. We really initially acquired our coverage with them as a present from our realtor about three years in the past and have used the service once in a while 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

Unfavorable Evaluations of Liberty Dwelling Guard

Some Liberty Dwelling Guard prospects report lengthy wait instances on the cellphone and the necessity to schedule a number of technician appointments to finish a restore. Liberty usually requires service technicians to submit footage of dwelling home equipment and programs earlier than they are often repaired, which might delay repairs by a number of days.

[The] deductible is just too excessive, there’s a ready interval earlier than you’ll be able to file a declare they usually require the plumber to submit pictures earlier than approving. Meaning two appointments I needed to take off work for, one for the picture and one for him to really repair the difficulty.

— 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 obtainable in your space. Beneath you’ll be able to see how Liberty Dwelling Guard compares to different prime dwelling guarantee firms.

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

The way 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 understanding if one thing goes mistaken 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 Dwelling Guard additionally gives a 60-day workmanship assure. So if a technician has repaired one among your private home programs 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 professional?

Liberty Dwelling Guard is a professional dwelling guarantee enterprise with nice buyer critiques on-line. This firm is among the many most extremely rated of all dwelling guarantee firms, so we think about it a terrific choice on your dwelling guarantee wants.

Does Liberty Dwelling Guard cowl pre-existing circumstances?

Liberty Dwelling Guard doesn’t cowl any identified or unknown pre-existing circumstances. In accordance with a web based pattern contract, Liberty will solely cowl the fee to restore or change programs and home equipment which can 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 an extra $11.99 per 30 days. It will get you $500 of protection per time period, however the protection doesn’t embody partial or full roof alternative. It solely applies to the roof leak patching that presides over residing 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 private home programs and home equipment no matter age. However these programs 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 possibly can cancel your Liberty Dwelling Guard guarantee by calling the customer support line. In case you cancel your coverage throughout the first 30 days, you’re going to get a full refund. However should you cancel after 30 days, you’ll have to pay a $50 cancellation charge.

How We Evaluated Liberty Dwelling Guard In opposition to Our Overview Standards

To assist customers such as you select the perfect dwelling guarantee firms on your dwelling, we dive deep into each top-rated dwelling 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 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 Potential Factors): Since each buyer has totally different wants and a unique finances, 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 Potential 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 primarily based on its plans and extra companies, service name charges and cancellation phrases. Liberty’s Dwelling 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 finances.
  • Buyer Expertise (18.5 Potential Factors): Your expertise as a buyer is vital, together with the assist you obtain when contacting a house guarantee supplier. We gauge total assist by taking a look at buyer critiques, conducting home-owner surveys and going by way of 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 Status (17.5 Potential Factors): An organization’s repute is a mixture of critiques from prospects and respected organizations just like the BBB. We additionally take note of the years of expertise an organization has, how happy its staff are and any previous or pending lawsuits. Liberty has a superb A- ranking with the BBB and 4.7 stars on Google Evaluations, so it does properly 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 easy 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 properly on this class as a result of it gives dwelling warranties in 48 states, solely excluding Wisconsin and Washington.

Evaluations of Different Dwelling Warranties