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Liberty Home Guard Review | 2021

If you are considering purchasing a home warranty, read our Liberty Home Guard review to learn about the company’s coverage plans and pricing.
Each product we feature has been independently selected and reviewed by our editorial team. If you make a purchase using the links included, we may earn commission.

Founded in 2019, Liberty Home Guard is one of the newest home warranty companies in the industry. In this article, we share Liberty Home Guard reviews from customers, examine the company's plans, claims process, and cost, and help you determine whether this company is the best home warranty provider for you.

To get a free quote from Liberty Home Guard, call 866-452-9107 or fill out this form.

Best Add-On Options
Liberty Home Guard
Pros Cons

✓ Affordable $70 service fee for multi-year plans

☓ Unavailable in CA, WA, WY, WI, IL

✓ 20 optional add-ons

☓ Some customers complain of slow response times

✓ 60-day workmanship guarantee


Liberty Home Guard Plans & Coverage

Liberty Home Guard sells three plans: Appliance Guard, System Guard, and Total Home Guard. Appliance Guard and System Guard cover appliances and systems only, while Total Home Guard offers comprehensive coverage for both systems and appliances. All Liberty Home Guard plans come with a 60-day workmanship guarantee.

Compare the covered items in Liberty Home Guard's plans below.


Appliance Guard:
Best for Aging Appliances

Includes the following appliances:
Clothes Washer & Clothes Dryer✓
Kitchen Refrigerator✓
Built-In Microwave Oven✓
Garbage Disposal✓
Range / Oven / Cooktop✓
Ceiling Fan & Exhaust Fan✓
Garage Door Opener✓

System Guard:
Best for Older Homes

Includes the following major systems:
Air Conditioning✓
Water Heater✓

Total Home Guard:
Best for Comprehensive Coverage

Covers all systems and appliances in the plans above.

Optional Coverage

Liberty Home Guard offers 20 optional add-ons, including pest control services. For a more detailed description of Liberty Home Guard's coverage limits and exclusions, view the company's sample contract.

The company's optional add-ons include:

  • HVAC/Plumbing: Central vacuum, septic system pumping (sump pump, well pump, ejector pump, grinder pump), water softener, swamp cooler
  • Electrical: Fixtures (lighting)
  • Lawn/Pest: Lawn sprinkler system, pest control
  • Cleaning: Gutter cleaning, floor/carpet cleaning
  • Pool: Pool, spa, additional spa
  • Refrigerator: Stand alone freezer, second refrigerator
  • Other: Limited roof leak, Re-key service, electronics protection
Best Add-On Options
Liberty Home Guard

Liberty Home Guard Cost

There are two types of home warranty costs: a premium and a service fee. A premium is typically paid on a monthly or annual basis, while a service fee is paid every time a contractor comes out to your home to perform a repair or replacement. Liberty Home Guard monthly premiums cost between $44.99 to $54.99 a month, which falls within the standard industry range of $25 to $60 per month.

Here's a closer look at the price of Liberty Home Guard's home warranty plan:

Plan Monthly Cost

Appliance Guard

$44.99 per month

System Guard

$49.99 per month

Total Home Guard

$54.99 per month

Liberty Home Guard's service fee ranges from $65–$125, but customers may be eligible for additional discounts when they cover multiple properties or select a multi-year plan term. The cost of Liberty Home Guard's optional add-ons varies depending on the item you wish to add to your home warranty plan.

Note: The specific cost of your home warranty depends on factors like the plan you choose, the square footage of your home, and where you live.

Background & State Availability

Liberty Home Guard is available in 45 states, excluding California, Washington, Wyoming, Wisconsin, and Illinois. We spoke with a service representative who shared the company has plans to roll out coverage in these states soon. Liberty Home Guard is well-known for its multitude of optional add-ons and affordable pricing. It is our top choice for homeowners looking for extensive add-on options.

Liberty Home Guard Reviews

Liberty Home Guard holds an A+ rating from the Better Business Bureau (BBB) and is a BBB- accredited business. Liberty Home Guard reviews from customers are positive on average—the company holds nearly a 5-star average rating with 1,067 customer reviews on its BBB webpage and a 4.5-star average rating on Google. Positive reviews often emphasize the company's quick repairs and helpful customer service team, while some negative reviews complain about the customer service team.

Here's a sampling of Liberty Home Guard reviews from the Better Business Bureau (BBB):

How to Submit a Claim with LHG

You can submit a claim with Liberty Home Guard by calling 866-699-4589 or by completing a form on your online account. Liberty Home Guard will put you in touch with a technician within 24 hours after submitting your claim. Note: Liberty Home Guard customer service is available 24 hours a day, seven days a week.

Verdict & Recommendation 

If you're looking for a home warranty company that has positive reviews, quick claims service, and a variety of plan options, Liberty Home Guard may be a good option. Get a free quote from Liberty Home Guard by calling 866-452-9107 or by filling out this form.

Best Add-On Options
Liberty Home Guard

Compare Home Warranty Companies

Many homeowners see value in owning a home warranty but aren't sure which company to work with. To help our readers find the home warranty company that best fits their needs, our review team examined the top home warranty providers on factors related to their value, such as breadth of coverage, cost, reputation, and state availability.

Our analysis found that American Home Shield, Choice Home Warranty, and Select Home Warranty are the three best home warranty providers in the industry. See below how each home warranty company compares with one another and how to get free quotes.

Provider American Home Shield Choice Home Warranty Select Home Warranty Liberty Home Guard

Get a Quote

Our Verdict

Best Overall

Best for Older Homes

Best for Budget Shoppers

Best Add-On Options

Number of Plans

3 plans

2 plans

3 plans

3 plans

Monthly Cost





Service Fee





States Covered

49 states (Not Alaska)

48 states (Not CA or WA)

46 states (Not NV, NY, WA, WI)

45 states (Not CA, WA, WY, WI, IL)

BBB Rating





Learn More


Related Content

Home Warranty Rating Methodology

The Home Service Research Team at Better Homes & Gardens strives to provide unbiased and objective reviews to readers by compiling relevant information on home warranty companies and rating the providers on a variety of factors.

Here's what our review process looks like:

  • We examine each provider's website to determine plan details, coverage, customer service offerings, and other benefits. We also speak with company representatives to get more insight on plan details.
  • We read sample contracts from each home warranty company to analyze and compare coverage details, limits, and exclusions.
  • We read at least 100 third-party customer reviews for each home warranty company to determine the real-life benefits and drawbacks of each provider.
  • We gather cost information for a variety of home warranty plans in different states by completing online quote forms and speaking with sales representatives to simulate the quote process.
  • We revisit each company's offerings on a seasonal basis, ensuring that we include the most up-to-date information in our reviews.

We also created a 100-point rating system to score companies based on objective factors, such as plan options, coverage, and customer service:


What we consider

Plan Options

The number and type of plan options offered to customers


The types of items included in a policy


How much each plan costs and the service fee options

Company Reputation

How the company is perceived through Better Business Bureau (BBB) ratings and a company's years in business

Customer Service

The customer service team's availability, what guarantees are offered, and what customer communication channels are provided (online customer portals, quote forms, etc.)

Unique Benefits

Factors that make the customer experience more seamless, such as allowing customers to choose their own contractor

Overall, the Home Service Research Team has reviewed over 70 home warranty companies to select the top-rated providers in the industry.

Liberty Home Guard FAQ

Do I need a home inspection before purchasing a LHG home warranty? 

No, you don't need a home inspection before purchasing a home warranty plan from Liberty Home Guard. Liberty Home Guard doesn't cover pre-existing conditions, whether they're known or unknown.

Can you cancel a home warranty policy from Liberty Home Guard?

Yes, you can cancel your policy at any time by calling 866-396-5837. If you cancel within the first 30 days of your coverage start date, Liberty Home Guard will refund your contract fees, minus the cost of claims paid and a small administrative overhead fee.

If you cancel after 30 days, Liberty Home Guard will send you a prorated refund of your contract fees for the rest of the contract term, minus the cost of claims paid and a small administrative fee.

Where is Liberty Home Guard available?

Liberty Home Guard is available in 45 states nationwide but is not available in California, Illinois, Wyoming, Wisconsin, or Washington.

What is the best home warranty provider?

Our review team named American Home Shield as the best overall home warranty provider, but Liberty Home Guard, Choice Home Warranty, and Select Home Warranty are other reputable home warranty companies worth considering.

What are the benefits of a home warranty plan?

Because repairing and replacing home systems and appliances can cost hundreds or even thousands of dollars out of pocket, a home warranty plan offers peace of mind and financial stability. Though homeowners sometimes pay more in the long term for home warranty coverage, they don't have to worry about the burden of expensive, unexpected repairs.