Liberty Dwelling Guard Assessment (Prices & Protection in 2023)
15 min read
Liberty Dwelling Guard (LHG) is a house guarantee firm that gives complete guarantee protection with three completely different plans and inexpensive pricing. Established in 2017, Liberty Dwelling Guard could not have as sturdy expertise as different suppliers, however its distinctive popularity, affordability and in depth add-on protection make it the most effective house guarantee corporations within the trade.
Liberty Dwelling Guard is on the market in each state besides Wisconsin and Washington, which makes it a wonderful selection for 1000’s of house owners throughout the U.S. Study extra about Liberty Dwelling Guard by studying our in depth evaluation under to raised 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 eager about for this evaluation on Liberty Dwelling Guard.
Bounce To:
- Our Review of Liberty Home Guard
- Plans, Costs & Coverage
- Add-Ons, Exclusions & Coverage Limits
- Customer Reviews
- LHG vs Other Providers
- How to File a Claim with LHG
- FAQ
Our Assessment 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 inexpensive charges, a easy claims course of and an unbeatable popularity.
Our consultants analyzed Liberty Dwelling Guard and evaluated the corporate in six classes to find out an general rating out of 100. Liberty Dwelling Guard acquired 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 evaluation methodology and what we search for below.
Plans and Protection of Liberty Dwelling Guard
Rating: 25.5 / 24 factors
Execs
Liberty Dwelling Guard affords three distinct plans to cowl both your home equipment, built-in programs or a mix of each. The corporate’s Equipment Guard and Techniques Guard plans cowl your main family home equipment and your main programs, respectively. Nevertheless, in order for you complete protection, the Whole Dwelling Guard plan is the right choice to guard in opposition to house equipment and system breakdowns. This complete plan covers 15 programs and home equipment, whereas different corporations supply plans that cowl eight to 13 objects.
What units Liberty Dwelling Guard other than different suppliers is the corporate’s 42 protection add-on choices to guard luxurious objects like swimming swimming pools and electronics. Most different suppliers supply lower than 15 objects for extra protection, making LHG warranties essentially the most customizable.
Cons
Whereas Liberty Dwelling Guard’s most cheap plan affords wonderful primary protection, it doesn’t cowl family programs. So if you wish to cowl main programs, equivalent to your air conditioner, you’ll want to decide on the costliest plan.
Whereas Liberty Dwelling Guard affords 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 embody in your plan, the upper your month-to-month premium will probably 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
Execs
The nationwide common value of house 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 Dwelling Guard vary from $49.99 to $59.99 monthly. Which means for lower than $2 per day, you possibly can profit from Liberty’s most complete protection plan.
Greater than 25 of Liberty Dwelling Guard’s further companies value lower than $15 monthly, which makes these add-ons inexpensive for most owners. This makes it simple to customise your plan to your distinctive wants.
Cons
Liberty Dwelling Guard affords quite a few add-ons, however some are dearer than add-ons provided by different house guarantee corporations. For instance, LHG will cowl your swimming pool for an additional $19.99 monthly, whereas you possibly can shield your pool with one other house guarantee firm for lower than $15 monthly.
Your service name payment from Liberty Dwelling Guard could also be as little as $65 relying on the service, however that payment may also be as excessive as $125 per name. Not like another house guarantee corporations, you can’t select your service name payment with Liberty Dwelling Guard. This implies you could not understand how a lot you’ll pay to have a technician despatched to your private home, and this value may very well be dearer than the typical.
Some house guarantee corporations don’t have any cancellation payment, however sadly, Liberty Dwelling Guard shouldn’t be one among them. In case you cancel your plan after 30 days, you will want to pay a $50 payment.
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
Execs
Clients rave about Liberty Dwelling Guard’s educated and pleasant representatives that exit of their method to clarify every protection plan intimately. As well as, many shoppers report fast response occasions, 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 workforce 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 house guarantee quote on-line that permits you to evaluate completely 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
If 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 may be overwhelming. On the primary day alone, our reviewers had been contacted 13 occasions. Three weeks later, the identical reviewer continued to obtain day by day textual content messages and advertising and marketing emails.
Firm Popularity of Liberty Dwelling Guard
Rating: 15.5 / 17.5 factors
Execs
Liberty Dwelling Guard has the most effective reputations of all house guarantee corporations. It has an A- ranking with the BBB and 4.7 stars on Google Critiques, which solidifies its popularity 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 workers because it does its clients.
Cons
Whereas Liberty Dwelling Guard has wonderful scores and an energetic customer support workforce that responds to complaints, it misplaced factors on this class as a result of its few years in enterprise and a 2020 lawsuit during which a customer sued over frequency of contact. Whereas some corporations have greater than 50 years of expertise within the house guarantee trade, Liberty has solely been in enterprise for 5 years.
We’ve included some buyer evaluations of Liberty Dwelling Guard from the BBB below.
Claims Course of of Liberty Dwelling Guard
Rating: 12.5 / 12.5 factors
Execs
Liberty Dwelling Guard is well-known for its simple claims course of and responsive customer support workforce. Many on-line buyer evaluations 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 accepted.
Just like different house 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 clean, some Liberty clients report longer wait occasions as a result of technicians are required to submit footage earlier than they’ll start work. This implies you’ll typically must 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
Execs
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.
Cons
Liberty Dwelling Guard serves 96% of the U.S., however as a result of service exclusions, householders in Washington and Wisconsin are presently unable to acquire house warranties via this supplier.
Liberty Dwelling Guard Plans, Prices and Protection
The nationwide common for a month-to-month house guarantee is $50 monthly, and Liberty Dwelling Guard meets that fee with its Equipment Guard plan. Even so, the corporate’s Techniques Guard and Whole Dwelling Guard plans are additionally inexpensive, beginning at $54.99 monthly and $59.99 monthly respectively.
In case you add objects to your plan, your month-to-month fee will enhance. All objects lined beneath Liberty’s house guarantee service value between $3.99 monthly and $35.99 monthly, however most objects are throughout the $8 to $15 monthly 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 actual quantity depends upon the service you require.
| Equipment Guard Month-to-month Value | Techniques 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 householders 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 house 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 Whole Dwelling Guard Plan: The Whole Dwelling Guard plan is good for householders who need full peace of thoughts. It consists of the whole lot within the Equipment Guard and System Guard Plans, masking a complete of 15 house programs and home equipment.
The desk under reveals a side-by-side comparability of what’s lined beneath every Liberty Dwelling Guard guarantee plan.
| Equipment Plan | Techniques Plan | Whole Dwelling Guard Plan | |
| Garments Dryer | ✓ | X | ✓ |
| Garments Washer | ✓ | X | ✓ |
| Kitchen Fridge | ✓ | X | ✓ |
| Constructed-in Microwave Oven | ✓ | X | ✓ |
| Dishwasher | ✓ | X | ✓ |
| Ranges/Ovens/Cooktops | ✓ | X | ✓ |
| Ceiling and Exhaust Followers | ✓ | X | ✓ |
| Storage Door Openers | ✓ | X | ✓ |
| Air Conditioning | X | ✓ | ✓ |
| Heating | X | ✓ | ✓ |
| Ductwork | X | ✓ | ✓ |
| Plumbing | X | ✓ | ✓ |
| Electrical | X | ✓ | ✓ |
| Water Heater | X | ✓ | ✓ |
What Non-obligatory Add-ons Does Liberty Dwelling Guard Provide?
Liberty Dwelling Guard affords essentially the most customizable house guarantee plans due to its many accessible add-ons. Together with the essential house system and equipment protection, you possibly can select so as to add as much as 42 further objects to your private home 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
- On the spot Sizzling Water Dispenser
- Reverse Osmosis Water Filter System
- Casita Visitor Unit
- TV Mounting
Together with further objects in your house, you may also 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 primary Liberty Dwelling 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 Dwelling Guard Have Any Exclusions?
Just 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 as a result of regular put on and tear, so if you wish to get essentially the most out of your private home guarantee, be sure that to maintain all upkeep data.
Your Liberty Dwelling Guard house 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 tools
- Luxurious home equipment
- Good know-how and units
- Restore of beauty defects
Does Liberty Dwelling Guard Have Any Protection Limits?
For all objects included within the Equipment Guard, Techniques Guard and Whole Dwelling Guard plans, protection is proscribed to $2,000 per merchandise. For all further lined 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 Dwelling Guard Buyer Critiques
Many Liberty Dwelling Guard clients have posted each constructive and destructive evaluations on the BBB web site. We’ve included a number of of those house guarantee evaluations under.
Constructive Critiques of Liberty Dwelling Guard
Liberty Dwelling Guard has tons of of on-line evaluations that spotlight constructive buyer experiences. Buyer satisfaction is obvious from many evaluations on the BBB, and plenty of Liberty clients rave in regards to the amount of cash saved, educated representatives and a clean 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 challenge 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 to this point. I hope to proceed to get an increasing number of worth from this coverage. However actually, to this point the plan is price each cent I’ve paid for it.
— Amber C., 11/18/2022
Liberty’s workforce has been extraordinarily dependable and saved us greater than a major amount of cash on repairs to this point. 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 obtained our coverage with them as a present from our realtor about three years in the past and have used the service from time to time 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
Damaging Critiques of Liberty Dwelling Guard
Some Liberty Dwelling Guard clients report lengthy wait occasions on the cellphone and the necessity to schedule a number of technician appointments to finish a restore. Liberty typically requires service technicians to submit footage of house home equipment and programs earlier than they are often repaired, which might 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 photographs 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 Dwelling Guard vs Different Dwelling Guarantee Corporations
Earlier than you select a house guarantee supplier, it’s vital to analysis the suppliers accessible in your space. Under you possibly can see how Liberty Dwelling Guard compares to different high house guarantee corporations.
| Supplier | Greatest 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 Protect | First-time Householders | $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 |
File a Declare With Liberty Dwelling Guard
Liberty Dwelling Guard clients can report a declare across the clock, any time throughout the week. This 24/7 protection affords 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 Dwelling Guard additionally affords 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 further cost.
FAQ: Liberty Dwelling Guard
Is Liberty Dwelling Guard respectable?
Liberty Dwelling Guard is a respectable house guarantee enterprise with nice buyer evaluations on-line. This firm is among the many most extremely rated of all house guarantee corporations, so we contemplate it an excellent choice to your house guarantee wants.
Does Liberty Dwelling Guard cowl pre-existing situations?
Liberty Dwelling Guard doesn’t cowl any identified or unknown pre-existing situations. In keeping with an internet pattern contract, Liberty will solely cowl the price to restore or substitute programs 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 affords roof leak safety for a further $11.99 monthly. This may 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 should be in working order while 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’ll get a full refund. However should you cancel after 30 days, you’ll have to pay a $50 cancellation payment.
How We Evaluated Liberty Dwelling Guard In opposition to Our Assessment Standards
To assist customers such as you select the very best house guarantee corporations to your house, we dive deep into each top-rated house guarantee firm and fee 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.
- Plans + Protection Choices (24 Doable Factors): Since each buyer has completely different wants and a unique funds, we award extra factors to suppliers that provide extra plans and better flexibility. Liberty Dwelling Guard does exceptionally properly on this class as a result of it affords three completely different plans and dozens of add-ons that permit for plan customization.
- Affordability (22.5 Doable Factors): Value is a crucial 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 inexpensive at lower than $2 per day, and the add-on protection permits for purchasers to customise their plan to go well with their wants and funds.
- Buyer Expertise (18.5 Doable Factors): Your expertise as a buyer is vital, together with the help you obtain when contacting a house guarantee supplier. We gauge general help by buyer evaluations, conducting house owner surveys and going via the quotes course of. Liberty Dwelling Guard has nice on-line buyer evaluations and a straightforward claims course of, which implies it scores excessive on this class.
- Firm Popularity (17.5 Doable Factors): An organization’s popularity is a mix of evaluations from clients and respected organizations just like the BBB. We additionally consider the years of expertise an organization has, how glad its workers 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 Doable 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 clients can contact a customer support consultant 24/7.
- Availability (5 Doable 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 affords house warranties in 48 states, solely excluding Wisconsin and Washington.
Critiques of Different Dwelling Warranties
