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A home warranty generally is a cost-effective technique to keep your private home's home equipment and techniques. This kind of service contract can cowl the price of repairing or changing main residence gadgets and cut back your out-of-pocket bills.
Liberty Dwelling Guard (LHG) stands out for providing aggressive residence guarantee plans plus optionally available protection for over 40 totally different residence home equipment and techniques, together with hardly ever lined gadgets and upkeep companies corresponding to garden sprinkler techniques, visitor models and pest management.
Under is our in-depth overview of Liberty Dwelling Guard, considered one of our picks for the best home warranty companies. We embody details about its plans and protection, optionally available add-ons, protection limits, availability and customary buyer complaints.
Desk of Contents
Liberty Dwelling Guard overview
Liberty Home Guard is a New York-based residence guarantee firm working in all 50 states and the District of Columbia. Its plan pricing is on par with most residence guarantee corporations, however it could get costlier if you happen to go for lots of the add-ons it provides.
- Gives a big number of optionally available add-ons
- Technicians are "LHG" licensed and are completely vetted to function on the platform
- 60-day workmanship assure
- Would not cowl most equipment equipment like racks or cabinets
- Doesn’t cowl business gear or luxurious manufacturers.
Liberty Dwelling Guard plans
Liberty Dwelling Guard provides three totally different protection plans:
- Programs Guard plan
- Equipment Guard plan
- Complete Dwelling Guard plan
The primary two plans supply protection just for techniques and home equipment, respectively, whereas Complete Dwelling Guard covers each.
You'll be able to select to pay yearly or month-to-month for all three plans, however prospects who go for an annual membership get two months without cost, that means you pay for 10 months as an alternative of 12.
Liberty Dwelling Guard permits you to select your individual service contractor with earlier authorization, a perk few residence guarantee corporations supply. Liberty additionally has a big community of licensed contractors it could dispatch for service requests.
Liberty has a set service name charge of $90 per declare and caps payouts at $2,000 per lined merchandise.
The corporate doesn’t require inspections of your private home techniques or home equipment to be eligible for protection. Additionally, it is going to cowl your home equipment and techniques no matter their age.
Liberty Dwelling Guard protection
Liberty Dwelling Guard residence guarantee plans embody protection for the next gadgets:
Equipment Guard
(Begins at round $59.99/mo*)
Programs Guard
(Begins at round $64.99/mo*)
Complete Dwelling Guard
(Begins at round $69.99/mo*)
- Garments washers
- Garments dryers
- Kitchen fridges
- Constructed-in microwave ovens
- Dishwashers
- Rubbish disposals
- Ranges
- Ovens
- Cooktops
- Ceiling and exhaust followers
- Storage door openers
- Air-con
- Heating
- Ductwork
- Plumbing
- Electrical
- Water heaters
- Air-con
- Heating
- Ductwork
- Plumbing
- Electrical
- Water heaters
- Garments washer
- Garments dryers
- Kitchen fridges
- Constructed-in microwave ovens
- Dishwashers
- Rubbish disposals
- Ranges
- Ovens
- Cooktops
- Ceiling and exhaust followers
- Storage door openers
Optionally available add-ons
Liberty Dwelling Guard is likely one of the few residence guarantee corporations that supply protection for over 40 add-ons, together with:
- Pool & spa
- Septic system pumping
- Sump pump
- Nicely pump
- Central vacuum
- Further spa
- Lights
- Restricted roof leaks
- Re-key
- Gutter cleansing
- Pest management
- Carpet cleansing
- Trash compactor
- TV mounting
- Electronics
- Window washing
- Energy washing
- Casita visitor unit
- Scorching water dispenser
- Stand alone freezer
- Ice maker
- Wine cooler
- Ejector pump
- Plumbing fixtures
- Osmosis water filter system
Every of those add-ons comes with a charge starting from $3.99 to $24.99 a month.
Liberty Dwelling Guard protection limits
Protection limits are the utmost quantity the house guarantee firm pays out if a lined equipment or system is in want of repairs or substitute or if there’s a malfunction prognosis. These limits fluctuate from firm to firm.
In response to the Liberty Home Guard sample contract, the corporate covers a most of $2,000 per lined merchandise and $500 for extra optionally available gadgets. Protection limits are reset yearly, when you renew your private home guarantee.
These are different protection caps Liberty Dwelling Guard contains:
Restore, substitute or prognosis of most lined gadgets
Pool and/or spa gear
What Liberty Dwelling Guard doesn’t cowl
Liberty Dwelling Guard would not cowl injury because of improper set up, negligence, lack of upkeep or a pure catastrophe. The corporate doesn’t cowl any identified or unknown pre-existing situations, both.
As well as, Liberty Dwelling Guard doesn’t cowl the next occasions or gadgets:
- Luxurious home equipment from manufacturers corresponding to La Cornue, Lacanche. KitchenAid, THG Paris, amongst others.
- Flue chimneys, vents and exhaust strains
- Good, internet-enabled, computerized or digital parts
- Lighting, together with lights, fixtures, lamps and bulbs.
- Solar energy techniques and home equipment
- Disposal of home equipment, techniques or parts
- Glass components or parts
- Racks, cabinets, handles, knobs, hinges, doorways and door gaskets
LHG solely covers home equipment or techniques subjected to regular put on and tear. In case you are not sure about what voids a home warranty, contact a Liberty Dwelling Guard consultant or overview the corporate’s pattern contract for extra particulars.
Liberty Dwelling Guard availability
State availability
Liberty Dwelling Guard is licensed and operational in all 50 states, in addition to Washington, D.C.
Contact data
Liberty Dwelling Guard’s customer support is on the market 24 hours a day, seven days per week.
To request service, you'll be able to name LHG at (866) 396-5837 or log into your Liberty Dwelling Guard portal to submit a request. After paying your service charge, you’ll be contacted by a neighborhood contractor to arrange an appointment.
You can even contact customer support by telephone at (866)-698-7271, by way of e-mail at service@libertyhomeguard.com or dwell chat on the corporate’s web site.
Consumer expertise
Liberty Dwelling Guard’s web site is intuitive and simple to navigate. Details about its plans, protection and add-ons is available, together with specifics about components and parts that are not lined for every system or equipment.
New prospects can request a quote and buy a house guarantee plan fully on-line. Present prospects have entry to the Liberty Dwelling Guard app and the web buyer portal, which let you:
- File a declare, and look at the declare standing and historical past
- View, renew, or improve your coverage
- View your cost historical past and replace your cost data
- Entry your account abstract
Liberty Dwelling Guard permits you to cancel your coverage at any time, nevertheless, it costs a $50 cancellation charge once you do.
In contrast to many different residence guarantee suppliers, Liberty Dwelling Guard doesn’t supply an preliminary 30-day interval to cancel with out costs, that means that the cancellation charge applies even if you happen to cancel throughout the first 30 days of signing your contract. Nevertheless, LHG provides a full refund minus any claims paid (and the cancellation charge) if you happen to cancel your coverage throughout the first 30 days. In case you cancel after this era, a prorated refund is on the market.
Liberty Dwelling Guard credentials
Regulatory or authorized actions
As of this writing, we discovered a case filed in opposition to Liberty Dwelling Guard in February 2020 concerning the Phone Client Safety Act (TCPA). In response to the criticism, Liberty Dwelling Guard initiated robocalls and texts to non-public cell telephones, despite the fact that shoppers have been on the Nationwide Do Not Name Registry.
We additionally discovered one other case in opposition to Liberty Dwelling Guard concerning the TCPA from March 2023.
Though we at all times attempt to embody the most recent and most correct data on regulatory and authorized actions, we don’t declare this data is full or totally updated. As at all times, we suggest you do your individual analysis as effectively.
Liberty Dwelling Guard buyer satisfaction
Third-party rankings
- Higher Enterprise Bureau (BBB): 4.51 out of 5 common based mostly on 2,538 buyer evaluations.
Buyer complaints
The Liberty Dwelling Guard common buyer score on the BBB is pretty excessive in comparison with different residence guarantee corporations. Though LHG isn’t presently accredited by the BBB, it has an A score, which is the second-highest score the BBB assigns to companies.
The corporate has optimistic buyer suggestions on numerous score web sites. Some persistent buyer complaints regard points with:
- Prolonged claims processing
- Incapability to schedule a go to with contractors and technicians after making a declare
- Confusion about what is roofed versus what just isn't lined
- Fixed runaround when prospects have complaints or issues with service calls
The analysis above is predicated on knowledge that was accessible on the time of publication.
Liberty Dwelling Guard comparisons
Like Liberty Dwelling Guard, there are different residence guarantee corporations that supply reasonably priced pricing and complete protection.
Right here’s how Liberty Dwelling Guard compares to 2 different main residence guarantee corporations: American Dwelling Defend and Alternative Dwelling Guarantee.
Liberty Dwelling Guard vs. American Dwelling Defend
In comparison with Liberty Dwelling Guard, American Home Shield stands out for its greater protection caps for HVAC techniques and home equipment, although its plans are much less customizable as a result of they provide fewer.
American Dwelling Defend provides three tiered plans: ShieldSilver, ShieldGold and ShieldPlatinum, which cowl a mixture of techniques and home equipment. In contrast to Liberty Dwelling Guard, it doesn’t supply system or appliance-only plans.
American Dwelling Defend covers as much as $5,000 for air-con and heating techniques whatever the plan you select, and as much as $4,000 per lined equipment for purchasers enrolled in its premium plan, ShieldPlatinum.
Nevertheless, American Dwelling Defend’s lower-tiered plans, ShieldSilver and ShieldGold, have a most protection cap of $2,000, the identical as what Liberty Dwelling Guard provides for restore, substitute or prognosis of most lined gadgets.
Service name charge
(or deductible)
Learn the complete American Home Shield review
Liberty Dwelling Guard vs. Alternative Dwelling Guarantee
One in all Choice Home Warranty's essential benefits is its affordability. The corporate options two plans — Fundamental Plan and Complete Plan — with costs starting from round $46 to $55 a month.
Alternative Dwelling Guarantee’s plans cowl a mixture of each residence techniques and home equipment. In contrast to Liberty Dwelling Guard, it doesn’t supply system- or appliance-only plans. As a substitute, Alternative’s Fundamental Plan covers all main home equipment and residential techniques, aside from air-con, fridges, garments dryers and washers that are a part of the Complete Plan.
Alternative’s optionally available protection is restricted in comparison with the greater than 40 add-ons Liberty Dwelling Guard permits you to embody in your house guarantee plan. Nevertheless, Alternative permits you to add protection for roof leaks and widespread residence gadgets, corresponding to swimming pools, standalone freezers and sump pumps.
Alternative Dwelling Guarantee isn’t accredited with the BBB and, in accordance with its profile, the corporate presently has a pending authorities motion from the Arizona Lawyer Normal for alleged client fraud, together with claims of creating false guarantees.
Service name charge
(or deductible)
Learn the complete Choice Home Warranty review
Discover different residence guarantee choices
Test our evaluations for different residence guarantee corporations you'll be able to take into account:
Liberty Dwelling Guard FAQs
What's Liberty Dwelling Guard?
Liberty Dwelling Guard is a house guarantee supplier that covers home equipment and techniques in case of breakdown or failure.
Is Liberty Dwelling Guard Any Good?
What does Liberty Dwelling Guard Cowl?
Liberty Dwelling Guard provides three residence guarantee plans that cowl repairs or substitute of main residence gadgets, corresponding to kitchen home equipment and HVAC techniques. The corporate has systems-only and appliance-only plans, and a complete plan that covers each. As well as, Liberty Dwelling Guard provides protection for over 40 add-ons, together with ejector pumps, electronics, visitor models and water filter techniques.
How a lot is the service name charge for Liberty Dwelling Guard?
Liberty Dwelling Guard costs a $90 service charge per declare. The service name charge is the deductible you pay everytime you request a house guarantee service.
What's the response time for Liberty Dwelling Guard?
Liberty Dwelling Guard claims it has a response time of 48 hours, effectively throughout the trade customary. Response time is the period of time a house guarantee firm might take to course of your claims and dispatch a service technician. This time is usually greater throughout weekends and holidays.
How we evaluated Liberty Dwelling Guard
We evaluated Liberty Dwelling Guard based mostly on the next components:
- Companies provided: We seemed into the corporate’s protection, plans, and limitations and in contrast them to opponents.
- Price: We in contrast pricing and protection choices to find out the cost-effectiveness of Liberty Dwelling Guard’s plans.
- Availability: We most popular corporations with nationwide protection or that service a minimum of 30 states.
- Authorized actions: We checked whether or not there have been any authorized or regulatory actions in opposition to Liberty Dwelling Guard.
- Customer support: We seemed into satisfaction rankings and on-line buyer evaluations to get a greater understanding of shoppers' experiences.
Abstract of Cash’s Liberty Dwelling Guard Overview
Liberty Home Guard provides totally different residence guarantee plans to your price range, and in addition has a big number of add-ons for much more personalized protection.
Add-ons embody hardly ever lined gadgets corresponding to electronics, garden sprinkler systems, saltwater swimming pools, turbines and visitor models. It additionally permits you to add residence upkeep companies to your coverage, corresponding to pest management, carpet cleansing and gutter cleansing.
The corporate is on the market in all 50 states. Whereas not presently accredited by the BBB, Liberty Dwelling Guard has an “A” score and pretty optimistic evaluations. Prospects can handle their accounts and request companies by means of the web buyer portal, the Liberty Dwelling Guard app or over the telephone. You can even request a free quote on-line and take a look at the pattern service contract.
As at all times, we suggest you do your individual analysis and examine it with different residence guarantee corporations earlier than deciding whether or not Liberty Dwelling Guard provides the protection you want.
