Liberty Home Guard is a relatively new arrival on the home warranty scene, but it's already shaking up the industry. It offers a clear choice between appliances, systems, and a combo plan, although the biggest benefit here is the huge number of add-ons – 23 in total. Whether you need coverage for pool, pest control, or ice-maker, Liberty Home Guard guarantees you for the parts of your home other companies don't bother with.
| Feature | Status |
| Annual Premium | $400/year to $600/year |
| Plan Types | Systems, Appliances, Combo |
| States | 49 states |
| HVAC | Systems, Total plans |
| Contractors | In-network only, 10,000+ |
| Home Inspection Required | No |
| Claims Service Fee | $60 |
| 24/7 Claims Department | Yes |
| Workmanship Guarantee | 60 days |
Liberty Home Guard offers coverage for all your most important systems and appliances, although you'll need to pay extra to add on less-common features. In terms of systems, Liberty offers coverage for your entire HVAC system. As for appliances, it checks most of the same boxes as its competitors – including clothes washer and dryer, microwave ovens, dishwashers, and garbage disposal.
As is typical for home warranty companies, Liberty Home Guard has a long list of exclusions, including items that malfunction due to insufficient maintenance, rust or corrosion, or improper installation. All the inclusions and exclusions are stated clearly in your contract.
Each item has a liability cap, ranging from $200 for some items to $1,600 at the other end. Again, all liability limits are laid out in the contract.
Liberty Home Guard now offers its customers home insurance quotes sponsored by Progressive!
Liberty Home Guard offers a choice of three plans: systems, appliances, or a combined Total Home Guard plan. It also offers 23 add-ons – more than the average home warranty provider.
| ITEM | Systems Guard | Appliance Guard | Total Home Guard |
| Air conditioning |
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| Heating |
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| Ductwork |
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| Plumbing |
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| Electrical |
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| Water heaters |
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| Clothes washer |
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| Clothes dryer |
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| Refrigerator w/ ice and disp. |
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| Built-in microwave ovens |
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| Dishwashers |
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| Garbage disposals |
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| Ranges / ovens / cooktops |
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| Ceiling and exhaust fans |
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| Garage door openers |
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Optional coverage can also be purchased separately for these items:
Prices vary widely based on type of property (single family, duplex, triplex, condominium, other) and size of property (smaller or greater than 5,000 square feet). Liberty Home Guard isn't the cheapest when it comes to monthly plans. However, when you sign up for yearly plan you get 2 months free, making this worthwhile on an annual basis.
Plus, Liberty Home Guard now offers its customers home insurance quotes sponsored by Progressive.
| Time | Systems Guard | Appliance Guard | Total Home Guard |
| Per Month | $49.99 | $39.99 | $59.99 |
| Per year | $499.99 | $399.99 | $599.99 |
Liberty Home Warranty has a network of 10,000 licensed, vetted contractors in 49 states. The states which Liberty doesn't currently serve are: California, Oregon, Wyoming, Iowa, Wisconsin, Illinois, Indiana, New Hampshire, Vermont, and Rhode Island.
Although Liberty technically allows you to choose a contractor from out of service, the terms of the contract make it less worthwhile. With such an extensive network, Liberty has local contractors virtually everywhere in the 49 states it serves.
You can process a claim at any time during the day or night with Liberty Home Guard's 24/7/365 claims department, either by logging into your account or calling 833-LHGUARD (866-396-5837).
Each service call is charged a $60 service fee, no matter the purpose of the visit. Each repair or replacement comes with a 60-day workmanship guarantee.
| Feature | Liberty Home Guard | Choice Home Warranty | AFC |
| Annual Premium | $400 - $600 | $370-$450 | Starts from $395 |
| Number of contractors | 10,000+ | 25000 | Wide network, can use in-network or out of network contractors |
| Home Inspection Required | No | No | No |
| 24/7 Claims | Yes | Yes | Yes |
| Workmanship Guarantee | 60 days | 30 days | Lifetime |
“I have their policy and have used it countless times for the past two years. They've saved me so much money and they provide great service no matter the situation.” Sandra Walters, July 11 2020
“Very customer-centric, especially for a home warranty company. I had an issue with my oven's display and Robert spent 40 minutes with me on the phone helping me trouble shoot it.” Harriet Williams, Jan 22 2019
“I own a couple of homes and I wanted to make sure that I had a warranty for the appliances, the washer, and the dryer. Liberty Home Guard got back to me more quickly than the others, and their rate was comparable to what I budgeted. And when they confirmed the process of repairs, it was pretty easy. I wouldn't have to come out of pocket should an appliance need to be replaced and they would replace it not with a refurbished product but with a new one.” Niki of Brooklyn, NY, Sep 19 2019
Overall, Liberty Home Guard offers a fairly standard home warranty service with a few subtle differences to competitors. It offers three competitively priced plans, as well as a large number (23) of add-ons. Additionally, they now offer their customers home insurance quotes sponsored by Progressive! With coverage in 49 states and a network of 10,000+ technicians, Liberty Home Guard isn't the largest home warranty service out there – but it is quickly growing.
Liberty Home Guard was founded in 2017 and is one of the fastest-growing home warranty providers in America. It is privately held, with headquarters in Brooklyn, NY. Liberty Home Guard has spread quickly across the US since its establishment. It is currently licensed in 49 states and plans to expand to the remaining states in the near future.