Our perspective on Liberty Home Guard
Last Updated: October 2022
Liberty Home Guard (LHG) is a New York-based home warranty company that just recently entered the industry in 2017. The company has become favorable for its low service fees, affordable protection plans, countless positive customer reviews and being accredited by the Better Business Bureau.
Liberty Home Guard (LHG) is a New York-based home warranty company that just recently entered the industry in 2017. The company has become favorable for its low service fees, affordable protection plans, countless positive customer reviews and being accredited by the Better Business Bureau.View Plans
LHG offers three warranty plans that provide repair or replacement coverage for the most important home appliances and systems in your home. You can also get customized coverage by adding appliances and systems to your policy that are not normally covered.
LHG doesn't care how old your appliances and systems are as long as they're in good working order when you sign up. They will not verify this in advance. But when a repair is needed, their independent technicians will be able to see if the item had a pre-existing condition. And LHG reserves the right to not pay that claim.
There is a 30-60 day wait period after you pay your premium before you can file a claim. This is in place to prevent consumer fraud, which drives up the cost of products and services for everyone.
LGH covers appliances and systems have stopped working because of normal wear and tear, so any misused or abused items may void that item's warranty. If a tree falls on your outdoor air conditioning unit, that's not wear and tear. That's a natural event. The warranty wouldn't cover that, but your homeowner's insurance might.
Like all home warranty plans, there are exemptions. LHG has built a plan that covers the appliances and systems that are most likely to happen and disrupt your home. Based on the sample contract available on their website, they have very sensible exclusions. For example, they don't cover geothermal heating units or routine maintenance.
The exclusions will be outlined in your contract, which you should read completely. LHG does not state any annual or per-incident limits. However, you should check your contract.
You have 30-days to cancel your warranty after it begins, and your initial payment will be pro-rated. That gives you some extra time to review the contract and adjust if needed.
LHG offers homeowners 3 plans: Appliance Guard, Systems Guard, and Total Home Guard.
Appliance Guard starts at $1 per day and covers:
Systems Guard also starts at $1 per day and covers:
If you want all of the above, then you're looking for the Total Guard, which starts at $1.50 per day. You can add on other household items, such as:
Pricing varies depending on where you live and other factors. Like most home warranty plans, you will pay a modest per-incident service fee. This amount varies but will be laid out in your contract. They usually run between $75-$125. If you didn't have a warranty, you'd be paying that just to have someone come out to see what's wrong. The difference with a warranty is that if an item is covered, the service fee is all you’ll have to pay.
LHG has an online contractor payment system, so you pay when you schedule instead of paying them when they arrive. LHG has a strong track record of paying its contractors on-time, in-full and with no hassles, so you can rest assured the person doing the work is getting compensated.
LHG has contracted with over 10,000 licensed and certified technicians around the country. They have a 10-point vetting process that only allows those who can provide high-quality service to do work for warranty customers. LHG offers a 60-day warranty on all repairs, so if an item breaks again with that period, you will not have to pay a second service fee.
In exchange for sending their contractors a lot of work, LHG negotiates with its contractors and suppliers to get the best rates. This helps the company keep costs low for you, while paying contractors and suppliers a fair rate.
Filing a Claim
LHG has a sophisticated online claims and service system that lets you seamlessly request service and track progress. When you file a claim, you'll need to state if it's an emergency. If it is, you may pay more on your service fee. For non-emergent incidents, someone will typically arrive within 24 hours.
In rare instances, there may not be a contracted service provider in your area. If this is the case, LHG may allow you to contact a local company, and LHG will pay them. However, you should always contact LHG first, or they may not pay the claim.
Liberty Home Guard has high standards for its contracted technicians and itself as a company. It offers flexible coverage with very few exemptions, and its online tracking system makes it easy to manage your account and claims. Although it’s new to the home warranty industry, Liberty Home Guard has everything it needs to provide customers with high-quality service for decades to come.