Liberty Dwelling Guard Overview (Prices & Protection in 2023)

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 might not have as strong expertise as different suppliers, however its distinctive repute, affordability and in depth add-on protection make it the most effective residence guarantee firms within the trade.

Liberty Dwelling Guard is offered 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 in depth evaluate beneath to higher decide if it’s the proper residence guarantee supplier for you.

Utilizing our bounce hyperlink desk of contents to search out what you’re most desirous about for this evaluate on Liberty Dwelling 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 Overview of Liberty Dwelling Guard

Complete Rating: 93 / 100 factors

Liberty Dwelling Guard is a wonderful selection for residence 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 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 beneath summarizes our outcomes and you may study 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 techniques or a mix 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 need complete protection, the Complete Dwelling Guard plan is the right possibility to guard in opposition to residence equipment and system breakdowns. This complete plan covers 15 techniques and home equipment, whereas different firms supply 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 supply lower than 15 gadgets for extra protection, making LHG warranties probably the most customizable.


Whereas Liberty Dwelling Guard’s most cheap plan gives glorious primary protection, it doesn’t cowl family techniques. So if you wish to cowl main techniques, akin to your air conditioner, you’ll want to decide on the most costly 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 can 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 residence guarantee plans is $50 per thirty days, 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 per thirty days. Which means for lower than $2 per day, you may profit from Liberty’s most complete protection plan. 

Greater than 25 of Liberty Dwelling Guard’s extra providers value lower than $15 per thirty days, which makes these add-ons inexpensive for most owners. This makes it straightforward to customise your plan to your distinctive wants.


Liberty Dwelling Guard gives quite a few add-ons, however some are dearer than add-ons provided by different residence guarantee firms. For instance, LHG will cowl your swimming pool for an additional $19.99 per thirty days, whereas you may defend your pool with one other residence guarantee firm for lower than $15 per thirty days.

Your service name price from Liberty Dwelling Guard could also be as little as $65 relying on the service, however that price may also be as excessive as $125 per name. Not like another residence guarantee firms, you can not select your service name price with Liberty Dwelling Guard. This implies chances are you’ll not know the way a lot you’ll pay to have a technician despatched to your property, and this value may very well be dearer than the typical.

Some residence guarantee firms haven’t any cancellation price, however sadly, Liberty Dwelling Guard isn’t certainly one of them. Should you cancel your plan after 30 days, you will want to pay a $50 price.

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 


Clients rave about Liberty Dwelling Guard’s educated and pleasant representatives that exit of their approach 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 Dwelling 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 simple — you may obtain an on the spot, customized residence guarantee quote on-line that permits you to evaluate completely different plans, charges and add-on protection. This lets you create a personalized plan that matches your wants and month-to-month funds.


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

Firm Repute of Liberty Dwelling Guard 

Rating: 15.5 / 17.5 factors 


Liberty Dwelling Guard has the most effective reputations of all residence 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 energetic 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 wherein a customer sued over frequency of contact. Whereas some firms have greater than 50 years of expertise within the residence guarantee trade, Liberty has solely been in enterprise for 5 years.

We’ve included some buyer opinions 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 straightforward claims course of and responsive customer support staff. Many on-line buyer opinions 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 telephone, it takes lower than 48 hours for it to be authorized.

Just like different residence guarantee suppliers, Liberty has a 30-day ready interval earlier than you may submit a declare. After this ready interval is over, you may start making claims.


Though the claims course of is usually easy, some Liberty prospects report longer wait occasions 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 property system or equipment is fastened.

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 broad protection space, Liberty receives full marks on this class.


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 residence warranties by this supplier.

liberty home guard coverage map

Liberty Dwelling Guard Plans, Prices and Protection

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

Should you 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 per thirty days and $35.99 per thirty days, however most gadgets are throughout the $8 to $15 per thirty days vary.

Each time you name Liberty Dwelling Guard to submit a declare, you’ll pay a service name price. This price will vary from $65 to $125, however the precise quantity is dependent upon the service you require.

Equipment Guard Month-to-month Value Programs 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 householders who need simply the fundamentals lined. Should you don’t have central air con or have older home equipment, you need 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: Should you 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 Complete Dwelling Guard Plan: The Complete Dwelling Guard plan is good for householders who need full peace of thoughts. It contains every thing within the Equipment Guard and System Guard Plans, overlaying a complete of 15 residence techniques and home equipment.

The desk beneath exhibits a side-by-side comparability of what’s lined beneath every Liberty Dwelling Guard guarantee plan.

  Equipment Plan Programs 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 Elective Add-ons Does Liberty Dwelling Guard Provide?

Liberty Dwelling Guard gives probably the most customizable residence guarantee plans due to its many obtainable add-ons. Together with the fundamental residence system and equipment protection, you may select so as to add as much as 42 extra gadgets to your property guarantee, together with: 

  • Pool
  • Spa
  • Extra Spa
  • Properly 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
  • Prompt Scorching Water Dispenser
  • Reverse Osmosis Water Filter System
  • Casita Visitor Unit
  • TV Mounting

Together with extra gadgets in your house, you can even pay a month-to-month price for residence providers:

  • 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. In case you have this stuff in your house, you may 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 residence guarantee suppliers, Liberty Dwelling Guard does have limitations and exclusions to its residence guarantee protection. Take into account that Liberty solely covers injury as a result of regular put on and tear, so if you wish to get probably the most out of your property guarantee, be sure to maintain all upkeep information. 

Your Liberty Dwelling Guard residence guarantee is not going to 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
  • Industrial grade tools
  • Luxurious home equipment
  • Good know-how and units
  • Restore of beauty defects

Does Liberty Dwelling Guard Have Any Protection Limits?

For all gadgets included within the Equipment Guard, Programs 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 twelve months from the date of buy.

Liberty Dwelling Guard Buyer Evaluations

Many Liberty Dwelling Guard prospects have posted each constructive and adverse opinions on the BBB web site. We’ve included just a few of those residence guarantee opinions beneath. 

Optimistic Evaluations of Liberty Dwelling Guard

Liberty Dwelling Guard has tons of of on-line opinions that spotlight constructive buyer experiences. Buyer satisfaction is obvious from many opinions on the BBB, and plenty of Liberty prospects rave concerning 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 situation 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 glad thus far. I hope to proceed to get an increasing number of worth from this coverage. However actually, thus far the plan is value 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 amount of cash 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 really initially bought our coverage with them as a present from our realtor about three years in the past and have used the service every now and then 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 Evaluations of Liberty Dwelling Guard

Some Liberty Dwelling Guard prospects report lengthy wait occasions on the telephone 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 might delay repairs by a number of days.

[The] deductible is just too excessive, there’s a ready interval earlier than you may file a declare and so they require the plumber to submit photographs earlier than approving. Which means two appointments I needed to take off work for, one for the photograph and one for him to really repair the problem.

— Rick M., 07/19/2022

Liberty Dwelling Guard vs Different Dwelling Guarantee Corporations

Earlier than you select a house guarantee supplier, it’s necessary to analysis the suppliers obtainable in your space. Beneath you may see how Liberty Dwelling Guard compares to different prime residence guarantee firms.

Supplier Greatest For Month-to-month Value Service Charge 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 Owners $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 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

Find out how 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 improper in your house, you simply must 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 certainly one of your property techniques 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 reliable?

Liberty Dwelling Guard is a reliable residence guarantee enterprise with nice buyer opinions on-line. This firm is among the many most extremely rated of all residence guarantee firms, so we think about it an important possibility on your residence guarantee wants.

Does Liberty Dwelling Guard cowl pre-existing situations?

Liberty Dwelling Guard doesn’t cowl any recognized or unknown pre-existing situations. In keeping with a web-based pattern contract, Liberty will solely cowl the fee to restore or exchange techniques 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 a further $11.99 per thirty days. 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 dwelling 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 property techniques and home equipment no matter age. However these techniques 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 may cancel your Liberty Dwelling Guard guarantee by calling the customer support line. Should you cancel your coverage throughout the first 30 days, you’ll 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 Dwelling Guard In opposition to Our Overview Standards

To assist shoppers such as you select one of the best residence guarantee firms on your residence, we dive deep into each top-rated residence 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 residence 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 completely different wants and a special funds, we award extra factors to suppliers that supply extra plans and larger flexibility. Liberty Dwelling Guard does exceptionally nicely 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 Attainable 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 based mostly on its plans and extra providers, 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 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 general help by taking a look at buyer opinions, conducting house owner surveys and going by the quotes course of. Liberty Dwelling Guard has nice on-line buyer opinions and a simple claims course of, which implies it scores excessive on this class.
  • Firm Repute (17.5 Attainable Factors): An organization’s repute is a mix of opinions 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 nicely 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 Dwelling 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 Dwelling Guard does nicely on this class as a result of it gives residence warranties in 48 states, solely excluding Wisconsin and Washington.

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