Liberty Dwelling Guard (LHG) is a house guarantee firm that gives 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 status, affordability and intensive add-on protection make it probably the greatest residence 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 hundreds of householders throughout the U.S. Study extra about Liberty Dwelling Guard by studying our intensive overview under to higher decide if it’s the proper residence guarantee supplier for you.
Utilizing our soar hyperlink desk of contents to seek out what you’re most fascinated with for this overview on Liberty Dwelling Guard.
Bounce To:
- Our Overview of Liberty Dwelling Guard
- Plans, Prices & Protection
- Add-Ons, Exclusions & Protection Limits
- Buyer Critiques
- LHG vs Different Suppliers
- The best way to File a Declare with LHG
- FAQ
Our Overview of Liberty Dwelling Guard
Whole Rating: 93 / 100 factors
Liberty Dwelling Guard is a wonderful selection for residence guarantee protection. This supplier not solely has wonderful protection choices but in addition reasonably priced charges, a easy claims course of and an unbeatable status.
Our consultants analyzed Liberty Dwelling Guard and evaluated the corporate in six classes to find out an total rating out of 100. Liberty Dwelling Guard acquired a rating of 93, giving it an total 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 under.
Plans and Protection of Liberty Dwelling Guard
Rating: 25.5 / 24 factors
Professionals
Liberty Dwelling 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 Programs Guard plans cowl your main family home equipment and your main techniques, respectively. Nevertheless, if you would like complete protection, the Whole Dwelling Guard plan is the proper choice to guard in opposition to residence equipment and system breakdowns. This complete plan covers 15 techniques 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 added protection, making LHG warranties probably the most customizable.
Cons
Whereas Liberty Dwelling Guard’s most cheap plan gives wonderful fundamental protection, it doesn’t cowl family techniques. So if you wish to cowl main techniques, resembling your air conditioner, you’ll want to decide on the costliest plan.
Whereas Liberty Dwelling Guard gives 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 under.
Affordability of Liberty Dwelling Guard
Rating: 20 / 22.5 factors
Professionals
The nationwide common value of residence guarantee plans is $50 monthly, 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 monthly. Which means that 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 reasonably priced for most householders. This makes it straightforward to customise your plan to your distinctive wants.
Cons
Liberty Dwelling Guard gives quite a few add-ons, however some are dearer than add-ons supplied by different residence 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 residence guarantee firm for lower than $15 monthly.
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 residence guarantee firms, you can’t select your service name charge with Liberty Dwelling Guard. This implies you might not understand how a lot you’ll pay to have a technician despatched to your private home, and this value could possibly be dearer than the typical.
Some residence guarantee firms don’t have any cancellation charge, however sadly, Liberty Dwelling Guard is just not one in all them. For those who cancel your plan after 30 days, you will have to pay a $50 charge.
We go into extra element on the price of Liberty Dwelling Guard under.
Dwelling Guarantee Assets
Buyer Expertise of Liberty Dwelling Guard
Rating: 14.5 / 18.5 factors
Professionals
Prospects rave about Liberty Dwelling Guard’s educated and pleasant representatives that exit of their option to clarify every protection plan intimately. As well as, many shoppers 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 workforce actively works to handle all buyer considerations as they come up
Getting a quote from Liberty is simple — you possibly can obtain an immediate, customized residence guarantee quote on-line that lets you examine completely different plans, charges and add-on protection. This lets you create a personalized plan that matches your wants and month-to-month finances.
Cons
While 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 might be overwhelming. On the primary day alone, our reviewers had been contacted 13 instances. Three weeks later, the identical reviewer continued to obtain day by day textual content messages and advertising and marketing emails.
Firm Status of Liberty Dwelling Guard
Rating: 15.5 / 17.5 factors
Professionals
Liberty Dwelling Guard has probably the greatest reputations of all residence guarantee firms. It has an A- ranking with the BBB and 4.7 stars on Google Critiques, which solidifies its status 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 Dwelling Guard has wonderful rankings 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 buyer sued over frequency of contact. Whereas some firms have greater than 50 years of expertise within the residence guarantee business, Liberty has solely been in enterprise for 5 years.
We’ve included some buyer evaluations of Liberty Dwelling Guard from the BBB under.
Claims Course of of Liberty Dwelling Guard
Rating: 12.5 / 12.5 factors
Professionals
Liberty Dwelling Guard is well-known for its straightforward 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 residence 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 prospects report longer wait instances as a result of technicians are required to submit photos earlier than they’ll start work. This implies you’ll typically 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 under.
Availability of Liberty Dwelling Guard
Rating: 5 / 5 factors
Professionals
Liberty Dwelling Guard is headquartered in Brooklyn, New York, and covers 48 states apart from Wisconsin and Washington. Due to its huge 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, owners in Washington and Wisconsin are presently unable to acquire residence warranties via this supplier.
Liberty Dwelling Guard Plans, Prices and Protection
The nationwide common for a month-to-month residence guarantee is $50 monthly, and Liberty Dwelling Guard meets that fee 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 monthly and $59.99 monthly respectively.
For those who add gadgets to your plan, your month-to-month fee will improve. All gadgets lined beneath Liberty’s residence guarantee service value between $3.99 monthly and $35.99 monthly, however most gadgets 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 charge. This charge will vary from $65 to $125, however the actual 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 lined. For those who don’t have central air-con or have older home equipment, it’s 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: For those who simply purchased new home equipment and solely wish to cowl your main residence techniques, then the System Guard plan is for you. It covers your HVAC techniques, ductwork, electrical techniques, plumbing techniques 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 part within the Equipment Guard and System Guard Plans, overlaying a complete of 15 residence techniques and home equipment.
The desk under exhibits a side-by-side comparability of what’s lined beneath every Liberty Dwelling Guard guarantee plan.
| Equipment Plan | Programs 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 Supply?
Liberty Dwelling Guard gives probably the most customizable residence guarantee plans due to its many obtainable add-ons. Together with the essential residence system and equipment protection, you possibly can select so as to add as much as 42 further gadgets to your private home guarantee, together with:
- Pool
- Spa
- Extra 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
- Instantaneous Sizzling Water Dispenser
- Reverse Osmosis Water Filter System
- Casita Visitor Unit
- TV Mounting
Together with further gadgets in your house, it’s also possible to pay a month-to-month charge for residence 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 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 residence guarantee suppliers, Liberty Dwelling Guard does have limitations and exclusions to its residence guarantee protection. Remember 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 private home guarantee, be sure that to maintain all upkeep data.
Your Liberty Dwelling Guard residence guarantee won’t cowl the next:
- Routine upkeep
- Injury 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 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 lined 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 Critiques
Many Liberty Dwelling Guard prospects have posted each constructive and unfavorable evaluations on the BBB web site. We’ve included a number of of those residence guarantee evaluations under.
Optimistic 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 lots of Liberty prospects rave concerning the sum of money 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 substitute, due to the deductible and the truth that the rubbish disposal subject 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 blissful up to now. I hope to proceed to get increasingly worth from this coverage. However actually, up to now 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 big sum of money on repairs up to now. 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 obtained our coverage with them as a present from our realtor about three years in the past and have used the service on occasion 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
Damaging Critiques 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 photos of residence 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 photographs earlier than approving. Meaning two appointments I needed to take off work for, one for the photograph and one for him to truly 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 obtainable in your space. Under you possibly can see how Liberty Dwelling Guard compares to different high residence guarantee firms.
| Supplier | Finest For | Month-to-month Value | Service Charge | 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 |
| Selection Dwelling Guarantee | Worth | $46.83 -$54.75 | $85.00 | D+ | 13 |
| Choose Dwelling Guarantee | Most Inexpensive Service Charge | $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 best way to File a Declare With Liberty Dwelling Guard
Liberty Dwelling Guard prospects can report a declare across the clock, any time throughout the week. This 24/7 protection gives peace of thoughts realizing if one thing goes mistaken in your house, you simply should file a declare on-line or name customer support as quickly as you discover the malfunction.
Liberty Dwelling Guard additionally gives a 60-day workmanship assure. So if a technician has repaired one in all your private home techniques 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 official?
Liberty Dwelling Guard is a official residence guarantee enterprise with nice buyer evaluations on-line. This firm is among the many most extremely rated of all residence guarantee firms, so we think about it an incredible choice to your residence guarantee wants.
Does Liberty Dwelling Guard cowl pre-existing circumstances?
Liberty Dwelling Guard doesn’t cowl any recognized or unknown pre-existing circumstances. Based on a web-based pattern contract, Liberty will solely cowl the fee to restore or exchange techniques 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 gives roof leak safety for a further $11.99 monthly. This can 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 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 techniques and home equipment no matter age. However these techniques and home equipment have to be in working order once you signal your guarantee contract to obtain protection.
How do you cancel a Liberty Dwelling Guard coverage?
You may cancel your Liberty Dwelling Guard guarantee by calling the customer support line. For those who cancel your coverage throughout the first 30 days, you’ll get a full refund. However for those who cancel after 30 days, you’ll have to pay a $50 cancellation charge.
How We Evaluated Liberty Dwelling Guard Towards Our Overview Standards
To assist shoppers such as you select the perfect residence guarantee firms to your residence, we dive deep into each top-rated residence guarantee firm and fee 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 residence 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 special finances, we award extra factors to suppliers that provide extra plans and better flexibility. Liberty Dwelling Guard does exceptionally effectively on this class as a result of it gives three completely different plans and dozens of add-ons that permit for plan customization.
- Affordability (22.5 Doable Factors): Value is a vital issue as a result of many owners select residence warranties to keep away from excessive funds for residence 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 reasonably priced 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 finances.
- 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 total help by taking a look at buyer evaluations, conducting house owner surveys and going via the quotes course of. Liberty Dwelling Guard has nice on-line buyer evaluations and a simple claims course of, which suggests it scores excessive on this class.
- Firm Status (17.5 Doable Factors): An organization’s status is a mixture of evaluations from prospects and respected organizations just like the BBB. We additionally bear in mind the years of expertise an organization has, how glad its staff are and any previous or pending lawsuits. Liberty has a superb A- ranking with the BBB and 4.7 stars on Google Critiques, so it does effectively on this class.
- Claims Course of (12.5 Doable Factors): On this class, we take 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 Dwelling Guard’s claims course of is straightforward and prospects 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 effectively on this class as a result of it gives residence warranties in 48 states, solely excluding Wisconsin and Washington.
Critiques of Different Dwelling Warranties
