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 | 4.5 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 | 4.0 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. | |
How does Liberty Home Guard work?
Liberty Home Guard has home warranties that cover appliances and home systems that need to be repaired or replaced due to wear and tear. Its three home warranty plans are:
Appliance Guard covers appliances, including clothes washer and dryer, primary refrigerator, dishwasher, ovens/ranges, cooktops, built-in microwaves, garbage disposals, ceiling and exhaust fans and garage door openers.
Systems Guard has coverage for main home systems, including heater, air conditioner, plumbing, electrical, ductwork and water heaters.
Total Plan combines the other two plans to cover appliances and major in-home systems.
For an additional cost, Liberty Home Guard also offers add-on coverage for items that are not included in its plans, such as a pool or limited roof leak repair.
The company’s home warranty plans will cover repairs and replacements for items that malfunction due to normal wear and tear — expected 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 built-in microwave stops working because a component wore out, a home warranty plan is likely to pay for its repair. But if it stops working because it was improperly installed, it wouldn't be covered.
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. 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. The technician will let Liberty Home Guard know what they think is causing the issue and whether they can repair it. After a quick review, the company will notify you if your claim is approved.
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.
» 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 |
Like its competitors, Liberty Home Guard also charges a service fee every time a technician comes to your house in response to a claim. Depending on the claim, Liberty Home Guard will charge customers between $75 and $125 per visit. 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, any additional work that requires a technician to come to your house during that time frame would be free.
» MORE: How much does a home warranty cost?
Pros of Liberty Home Guard
Liberty Home Guard's benefits include:
60-day repair guarantee. Liberty Home Guard guarantees technicians’ work for 60 days, which is twice as long as the standard 30-day guarantee that most other companies offer.
Choice of technician. You can choose your own technician rather than going with the contractor the company assigns to your claim. If you already have preferred service providers, this option is helpful. Many competitors don’t offer this choice.
Available in all 50 states. Unlike most competitors, Liberty Home Guard has coverage available in all 50 states and Washington, D.C.
High customer satisfaction. Among home warranty providers we reviewed, Liberty has the highest customer satisfaction ratings across Trustpilot and ConsumerAffairs (both consumer review sites) and the Better Business Bureau.
Cons of Liberty Home Guard
There are a few drawbacks to Liberty Home Guard’s offerings, including:
Low coverage caps. Liberty has some of the lowest coverage caps among the companies we've reviewed. That means you might have to pay more out of pocket for higher-cost repairs and replacements.
No access repair. If a technician has to cut through a wall or concrete to access the system for repair, Liberty Home Guard will not pay to repair the wall or concrete.
» 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
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.