Liberty Home Guard Review 2025: Prices and Plans
With good customer reviews and three home warranty plans, Liberty Home Guard has affordable options for homeowners.
Among home warranty providers, Liberty Home Guard stands out as the one with the best customer service ratings on multiple review sites. For many, that makes it a top choice.
Liberty’s plan premiums are midrange compared to competitors. And unlike others, it offers 60-day guarantees on contractor work and the option to choose your own technician. Customers can choose from three plans for coverage of appliances only, systems only or a combination. The main downside: It has relatively low coverage caps, which could leave you paying more out of pocket.
Compared to competitors, Liberty earns more positive customer reviews. On the Better Business Bureau, consumer ratings average about 4.5 stars out of 5, much higher than other top home warranty companies.
Our take on Liberty Home Guard
Overall | 5.0 NerdWallet rating |
Pricing | 4.0 NerdWallet rating |
Service fees | 3.0 NerdWallet rating |
Coverage limits | 3.0 NerdWallet rating |
Workmanship guarantee | 4.0 NerdWallet rating |
Customer satisfaction | 5.0 NerdWallet rating |
This is a snapshot of some of the information we consider when rating home warranty companies and not a representation of our full evaluation criteria. | |
Liberty Home Guard plans
Liberty Home Guard has three home warranty plans:
Appliance Guard covers appliances, including a clothes washer and dryer, primary refrigerator, dishwasher, oven/range, cooktop, built-in microwave, garbage disposal, ceiling and exhaust fans and garage door openers.
Systems Guard covers main home systems, including a heating system, air conditioning system, plumbing, electrical, ductwork and a water heater.
Total Home Guard combines the other two plans to cover appliances and major in-home systems.
The company’s plans will cover repairs and replacements for items that stop working because of normal wear and tear — issues that result from everyday use. It doesn’t cover the cost of routine maintenance (such as cleaning) or damage due to other causes, such as improper installation or improper repair by you or a third party.
For example, if your microwave stops working because a part wore out after using it for several years, a home warranty plan might pay for its repair. But if it stops working because it was improperly installed, it wouldn't be covered.
Liberty Home Guard add-on coverage
Liberty also offers optional coverage for add-on items that are not included in its plans, and the company has more add-on services and coverage than most of its competitors. In addition to the more common options, such as pools and septic systems, Liberty’s extra coverage includes but isn’t limited to:
Stand alone freezers and ice makers.
Second refrigerators and wine coolers.
Lawn sprinkler systems.
Generators.
Liberty also offers services that aren’t usually part of a home warranty plan, including gutter cleaning, pest control and carpet cleaning.
You’ll pay an extra fee for each add-on item or service to tack on to your plan.
Liberty Home Guard's coverage limits
Liberty Home Guard’s plans limit how much the company will pay toward a repair or replacement, which is common with home warranty providers. During your plan’s term, Liberty Home Guard will pay or reimburse you up to:
$2,000 for heating systems.
$2,000 for air conditioning systems.
$2,000 for each appliance.
$500 for electrical systems.
$500 for plumbing systems.
$500 for roof leak repair if you pay for the extra coverage.
Compared with its competitors, Liberty Home Guard is on the lower end of coverage caps. But coverage needs vary widely, and this isn’t necessarily a deal-breaker if you don’t expect larger repairs that won’t cost more than the coverage limits.
How to file a claim with Liberty Home Guard
Like most other home warranty companies, Liberty Home Guard allows customers to file a claim by phone or through an online portal.
If you go with a Liberty Home Guard technician, they'll usually contact you to schedule an appointment within 48 hours. The technician will let Liberty Home Guard know what is causing the issue to find out if the company will agree to pay for the repair. The company will let you know if your claim is approved.
If you prefer to use your own technician, you’ll have to submit their information to Liberty Home Guard for review before scheduling a repair. However, keep in mind that Liberty doesn’t guarantee it’ll pay for the repair even if it approved you to use your own technician.
» MORE: Do you need a home warranty? How to decide
Good coverage with affordable premiums
How much does a Liberty Home Guard warranty cost?
Liberty Home Guard plans come with monthly premiums, which start at $49.99. Liberty gives customers quotes based on where they live and the plan they choose.
To compare Liberty Home Guard’s pricing, we requested quotes for all three plans in three cities that represent different costs of living. The average price is the average for a plan across all three sample cities.
State | Appliance Guard monthly premium | Systems Guard monthly premium | Total Home Guard monthly premium |
|---|---|---|---|
Anaheim, California | $59.99 | $64.99 | $69.99 |
Boise, Idaho | $49.99 | $54.99 | $59.99 |
Tulsa, Oklahoma | $49.99 | $54.99 | $59.99 |
Average price | $53.32 | $58.32 | $63.32 |
Liberty Home Guard service fees
Like its competitors, Liberty Home Guard also charges a service fee every time a technician comes to your house in response to a claim. Service fees range between $75 and $125 per visit, and are based on the length of your contract and how much you pay each month for your plan; paying a higher monthly plan fee lowers your service fee. You’ll pay this fee even if a contractor has previously looked at the appliance or system or repaired it.
Because Liberty Home Guard guarantees their repairs for 60 days, if a technician has to return to your house to redo a repair during that time, you won’t be charged a second service fee.
» MORE: How much does a home warranty cost?
What Reddit is saying about Liberty Home Guard
Reddit is an online forum where users share their thoughts in “threads” on various topics. The popular site includes plenty of discussion on financial subjects like home warranties, so we sifted through Reddit forums to get a pulse check on how users feel about Liberty Home Guard. People post anonymously, so we cannot confirm their individual experiences or circumstances.
Liberty is ‘not liable for any damage’ caused by a contractor
A redditor shared their experience with a Liberty contractor who attempted to repair an outlet and left the homeowner with improperly working lights instead. When the redditor wanted a guarantee that the next contractor wouldn’t damage their home, Liberty Home Guard said it wasn’t liable for third-party damage.
This can happen. Most home warranty companies have similar policies by which they pass along responsibility for damages to the contracted repair company. Liberty’s sample contract states the company “is not responsible nor liable for … damage resulting from … a Service Contractor’s neglect or delay in providing, or failing to provide, repair or replacement.”
Liberty charges a service fee even if it refuses to cover repairs
A different redditor said they had a plan that covered air conditioning unit repairs. But the company charged them $125 for a service fee but “refused all repairs” that the technician recommended.
This can happen. Most home warranty companies charge service fees before a repair technician diagnoses the problem with your system or appliance. This fee is often described as paying for the technician’s time, much like how you’d pay a service fee to have a plumber come to your home even if you were unsure if they could repair your issue. And like most home warranty companies, Liberty’s contracts have exclusions of what the company pays to repair. The company’s refusal to pay for repairs could be that those types of repairs or the cause of the air conditioner’s malfunction was excluded in the contract, such as damage from a weather event.
Themes in customer reviews
What customers like about Liberty Home Guard
Some customers say customer service was helpful in responding to their claim and that the repair technicians were professional. Customers also note that the online and app claim submission process is user-friendly.
A note about customer reviews. These reviews do not always represent customer experiences, and we recommend that you look for reviews from customers when considering a home warranty company.
What customers don’t like about Liberty Home Guard
Some unhappy customers say they’ve experienced issues with the company taking a long time to respond to repair claims or not following through with repairs. Several online reviews also mention technicians that are unprofessional, don’t show up for appointments or are unable to make adequate repairs. Some customers also note that customer service was unhelpful or gave them conflicting information.
» MORE: Are home warranties worth it?
What to know before buying a home warranty
Reading the coverage and exclusions information in your contract is one of the most impactful things you can do to avoid costly misunderstandings in the future. You have a right to read your contract before purchasing a plan, and it’s important to understand that home warranties:
Always have exclusions to coverage, no matter what their sales pitches say. Read your contract carefully before purchasing a plan — especially anything listed as an exclusion or limit of liability. For example, a company might cover air conditioning systems but exclude certain parts or components, such as coils. Other companies cover plumbing repairs but won’t pay to clear all plumbing stoppages or repair certain types of leaks.
Are not a type of insurance. Even though some companies call their service fees deductibles, home warranties do not work the same way as insurance policies. They differ in what they cover and how they pay for repairs or replacements. A home warranty is not a supplement for homeowners insurance.
Limit how much they pay. If the cost of a repair or replacement goes beyond a limit stated in your contract, you’ll have to pay the difference. For example, if the bill for a repair is $2,000 and the limit is $1,500, you’re required to cover $500. This is in addition to your monthly premium and service fee.
Can deny your claim for several reasons. Examples include if you had work performed on a covered item without approval or you modified the system or appliance.
May not pay enough to cover the full cost of replacing a covered item. Home warranties often depreciate the value of items as they age, so you’ll likely have to pay at least some money to replace an item, even if it’s covered by the contract.
Alternatives to Liberty Home Guard
First American Home Warranty
Unlike most competitors, First American Home Warranty's most basic warranty covers both systems (plumbing, electrical and heating) and certain appliances.
» MORE: Read our full review of First American Home Warranty
American Home Shield
Unlike most plans, the ShieldPlatinum plan includes roof leak coverage. Usually, this coverage is only available as an add-on.
» MORE: Read our full review of American Home Shield
Choice Home Warranty
Choice Home Warranty's coverage limits for electrical, plumbing and appliances are on the high end compared to competitors.
» MORE: Read our full review of Choice Home Warranty
Frequently asked questions
Methodology
NerdWallet's Home Services team evaluated home warranties across several factors, including cost, covered items, coverage limits, customer ratings, ability to choose your own technician and warranty on work completed. Because costs can vary by location, it's best to get quotes from multiple companies before making a decision. Read more about how NerdWallet rates home warranties.