Liberty Residence Guard Evaluate (Prices & Protection in 2023)

Liberty Residence Guard (LHG) is a house guarantee firm that provides complete guarantee protection with three completely different plans and reasonably priced pricing. Established in 2017, Liberty Residence Guard could not have as strong expertise as different suppliers, however its distinctive status, affordability and in depth add-on protection make it among the finest house guarantee corporations within the business.

Liberty Residence Guard is accessible in each state besides Wisconsin and Washington, which makes it a wonderful alternative for 1000’s of householders throughout the U.S. Be taught extra about Liberty Residence Guard by studying our in depth overview under to raised decide if it’s the proper house guarantee supplier for you.

Utilizing our leap hyperlink desk of contents to search out what you’re most interested by for this overview on Liberty Residence Guard.

Soar To:

  1. Our Review of Liberty Home Guard
  2. Plans, Costs & Coverage
  3. Add-Ons, Exclusions & Coverage Limits
  4. Customer Reviews
  5. LHG vs Other Providers
  6. How to File a Claim with LHG
  7. FAQ

Our Evaluate of Liberty Residence Guard

Whole Rating: 93 / 100 factors

Liberty Residence Guard is a wonderful alternative for house guarantee protection. This supplier not solely has wonderful protection choices but in addition reasonably priced charges, a easy claims course of and an unbeatable status.

Our consultants analyzed Liberty Residence Guard and evaluated the corporate in six classes to find out an total rating out of 100. Liberty Residence Guard obtained a rating of 93, giving it an total score of 4.7 stars. The chart under summarizes our outcomes and you may be taught extra about every class within the following sections.

We clarify our overview methodology and what we search for below.

liberty home guard review scoring
liberty home guard pros and cons

Plans and Protection of Liberty Residence Guard

Rating: 25.5 / 24 factors 

Execs

Liberty Residence Guard affords three distinct plans to cowl both your home equipment, built-in methods or a mixture of each. The corporate’s Equipment Guard and Programs Guard plans cowl your main family home equipment and your main methods, respectively. Nevertheless, in order for you complete protection, the Whole Residence Guard plan is the right choice to guard in opposition to house equipment and system breakdowns. This complete plan covers 15 methods and home equipment, whereas different corporations provide plans that cowl eight to 13 objects.

What units Liberty Residence Guard aside from different suppliers is the corporate’s 42 protection add-on choices to guard luxurious objects like swimming swimming pools and electronics. Most different suppliers provide lower than 15 objects for added protection, making LHG warranties probably the most customizable.

Cons

Whereas Liberty Residence Guard’s most cheap plan affords wonderful fundamental protection, it doesn’t cowl family methods. So if you wish to cowl main methods, akin to your air conditioner, you’ll want to decide on the most costly plan. 

Whereas Liberty Residence Guard affords extra methods to customise your plan, the most important downside to having so many extra choices is the extra month-to-month value. The extra add-ons you embrace in your plan, the upper your month-to-month premium might be. 

We go into extra element on Liberty Residence Guard’s plans and protection below.

Affordability of Liberty Residence Guard

Rating: 20 / 22.5 factors

Execs

The nationwide common value of house guarantee plans is $50 monthly, and Liberty hovers proper round that worth level for each its Equipment Guard and Programs Guard plans. Warranties from Liberty Residence Guard vary from $49.99 to $59.99 monthly. Which means that for lower than $2 per day, you’ll be able to profit from Liberty’s most complete protection plan. 

Greater than 25 of Liberty Residence Guard’s extra providers value lower than $15 monthly, which makes these add-ons reasonably priced for most householders. This makes it simple to customise your plan to your distinctive wants.

Cons

Liberty Residence Guard affords quite a few add-ons, however some are costlier than add-ons provided by different house guarantee corporations. For instance, LHG will cowl your swimming pool for an additional $19.99 monthly, whereas you’ll be able to shield your pool with one other house guarantee firm for lower than $15 monthly.

Your service name payment from Liberty Residence Guard could also be as little as $65 relying on the service, however that payment may also be as excessive as $125 per name. In contrast to another house guarantee corporations, you can’t select your service name payment with Liberty Residence Guard. This implies you could not know the way a lot you’ll pay to have a technician despatched to your property, and this value may very well be costlier than the typical.

Some house guarantee corporations don’t have any cancellation payment, however sadly, Liberty Residence Guard shouldn’t be considered one of them. When you cancel your plan after 30 days, you will have to pay a $50 payment.

We go into extra element on the price of Liberty Residence Guard below.


Residence Guarantee Assets


Buyer Expertise of Liberty Residence Guard 

Rating: 14.5 / 18.5 factors 

Execs

Clients rave about Liberty Residence Guard’s educated and pleasant representatives that exit of their solution to clarify every protection plan intimately. As well as, many shoppers report fast response occasions, around-the-clock assist and constructive experiences when submitting claims. There are only a few complaints about Liberty Residence Guard on the Higher Enterprise Bureau (BBB) web site, however the firm’s customer support crew actively works to handle all buyer issues as they come up 

Getting a quote from Liberty is straightforward — you’ll be able to obtain an prompt, personalised house guarantee quote on-line that permits you to evaluate completely different plans, charges and add-on protection. This lets you create a personalized plan that matches your wants and month-to-month price range.

Cons

If you enter your info on Liberty Residence Guard’s web site to obtain your free quote, you’ll obtain calls, textual content messages and emails from firm representatives. Though these people are pleasant and useful, the sheer quantity of contacts you obtain will be overwhelming. On the primary day alone, our reviewers have been contacted 13 occasions. Three weeks later, the identical reviewer continued to obtain each day textual content messages and advertising and marketing emails.

Firm Repute of Liberty Residence Guard 

Rating: 15.5 / 17.5 factors 

Execs

Liberty Residence Guard has among the finest reputations of all house guarantee corporations. It has an A- score with the BBB and 4.7 stars on Google Critiques, which solidifies its status as a reliable firm. Moreover, LHG has a 4.6-star score on Glassdoor, which signifies that the corporate cares as a lot about its staff because it does its clients.

Cons

Whereas Liberty Residence Guard has wonderful rankings and an energetic customer support crew that responds to complaints, it misplaced factors on this class attributable to its few years in enterprise and a 2020 lawsuit by which a customer sued over frequency of contact. Whereas some corporations have greater than 50 years of expertise within the house guarantee business, Liberty has solely been in enterprise for 5 years.

We’ve included some buyer critiques of Liberty Residence Guard from the BBB below.

Claims Course of of Liberty Residence Guard 

Rating: 12.5 / 12.5 factors 

Execs

Liberty Residence Guard is well-known for its simple claims course of and responsive customer support crew. Many on-line buyer critiques report wonderful buyer care as soon as they file a declare, and a few even say it’s the best declare course of they’ve skilled. When you submit your declare on-line or over the telephone, it takes lower than 48 hours for it to be authorised.

Just like different house guarantee suppliers, Liberty has a 30-day ready interval earlier than you’ll be able to submit a declare. After this ready interval is over, you’ll be able to start making claims.

Cons

Though the claims course of is usually clean, some Liberty clients report longer wait occasions as a result of technicians are required to submit footage earlier than they’ll start work. This implies you’ll typically must schedule a number of appointments earlier than your property system or equipment is fastened.

We’ve included a step-by-step define of Liberty Residence Guard’s claims course of below.

Availability of Liberty Residence Guard 

Rating: 5 / 5 factors

Execs

Liberty Residence Guard is headquartered in Brooklyn, New York, and covers 48 states aside from Wisconsin and Washington. Due to its large protection space, Liberty receives full marks on this class.

Cons

Liberty Residence Guard serves 96% of the U.S., however attributable to service exclusions, owners in Washington and Wisconsin are presently unable to acquire house warranties by means of this supplier.

liberty home guard coverage map

Liberty Residence Guard Plans, Prices and Protection

The nationwide common for a month-to-month house guarantee is $50 monthly, and Liberty Residence Guard meets that fee with its Equipment Guard plan. Even so, the corporate’s Programs Guard and Whole Residence Guard plans are additionally reasonably priced, beginning at $54.99 monthly and $59.99 monthly respectively.

When you add objects to your plan, your month-to-month fee will enhance. All objects coated underneath Liberty’s house guarantee service value between $3.99 monthly and $35.99 monthly, however most objects are throughout the $8 to $15 monthly vary.

Each time you name Liberty Residence Guard to submit a declare, you’ll pay a service name payment. This payment will vary from $65 to $125, however the precise quantity relies on the service you require.

Equipment Guard Month-to-month Price Programs Guard Month-to-month Price Whole Residence Guard Month-to-month Price
Beginning at $49.99 Beginning at $54.99 Beginning at $59.99

Liberty Residence Guard Equipment Guard Plan: The Equipment Guard plan is ideal for owners who need simply the fundamentals coated. When you don’t have central air con or have older home equipment, you need to make investments on this plan. It covers eight main family home equipment — together with your dryer, washer, fridge, microwave, dishwasher, cooktop, storage door opener and exhaust fan.

Liberty Residence Guard System Guard Plan: When you simply purchased new home equipment and solely wish to cowl your main house methods, then the System Guard plan is for you. It covers your HVAC methods, ductwork, electrical methods, plumbing methods and water heater.

Liberty Residence Guard Whole Residence Guard Plan: The Whole Residence Guard plan is right for owners who need full peace of thoughts. It consists of all the pieces within the Equipment Guard and System Guard Plans, overlaying a complete of 15 house methods and home equipment.

The desk under reveals a side-by-side comparability of what’s coated underneath every Liberty Residence Guard guarantee plan.

  Equipment Plan Programs Plan Whole Residence Guard Plan
Garments Dryer  ✓  X  ✓
Garments Washer  ✓ ✓ 
Kitchen Fridge ✓  ✓ 
Constructed-in Microwave Oven ✓  ✓ 
Dishwasher ✓  ✓ 
Ranges/Ovens/Cooktops ✓  ✓ 
Ceiling and Exhaust Followers ✓  ✓ 
Storage Door Openers ✓  ✓ 
Air Conditioning  X ✓  ✓ 
Heating ✓  ✓ 
Ductwork ✓  ✓ 
Plumbing ✓  ✓ 
Electrical ✓  ✓ 
Water Heater ✓  ✓ 

What Non-obligatory Add-ons Does Liberty Residence Guard Provide?

Liberty Residence Guard affords probably the most customizable house guarantee plans due to its many obtainable add-ons. Together with the essential house system and equipment protection, you’ll be able to select so as to add as much as 42 extra objects to your property guarantee, together with: 

  • Pool
  • Spa
  • Extra Spa
  • Effectively Pump
  • Sump Pump
  • Central Vacuum
  • Septic System Pumping
  • Stand Alone Freezer
  • Restricted Roof Leak
  • Lighting Fixtures
  • Re-Key
  • Water Softener
  • Garden Sprinkler System
  • Electronics Safety
  • Swamp Cooler
  • Ejector Pump
  • Second Fridge
  • Trash Compactor
  • Ice Maker (Fridge)
  • Freestanding Ice Maker
  • Wine Cooler
  • Salt Water Pool
  • Generator
  • Plumbing Fixture
  • Grinder Pump
  • Water Dispenser Water Line
  • On the spot Sizzling Water Dispenser
  • Reverse Osmosis Water Filter System
  • Casita Visitor Unit
  • TV Mounting

Together with extra objects in your house, you can even pay a month-to-month payment for house providers:

  • Window Washing and Cleansing
  • Gutter Cleansing
  • Pest Management
  • Carpet Cleansing
  • Energy Washing (Exterior Flooring)

Lastly, your fundamental Liberty Residence Guard guarantee doesn’t cowl luxurious home equipment. In case you have these things in your house, you’ll be able to improve your protection to incorporate the next:

  • Professional Sequence Fridge
  • Professional Sequence Vary/Oven/Cooktop
  • Professional Sequence Dishwasher
  • Professional Sequence Microwave
  • Professional Sequence Washing Machine
  • Professional Sequence Garments Dryer
  • Professional Sequence Stand Alone Freezer

Does Liberty Residence Guard Have Any Exclusions? 

Just like different house guarantee suppliers, Liberty Residence Guard does have limitations and exclusions to its house guarantee protection. Needless to say Liberty solely covers harm attributable to regular put on and tear, so if you wish to get probably the most out of your property guarantee, ensure that to maintain all upkeep data. 

Your Liberty Residence Guard house guarantee is not going to cowl the next:

  • Routine upkeep
  • Injury attributable to lack of upkeep or human error
  • Improper set up or earlier repairs
  • Corrosion or rust
  • Business grade tools
  • Luxurious home equipment
  • Sensible know-how and gadgets
  • Restore of beauty defects

Does Liberty Residence Guard Have Any Protection Limits?

For all objects included within the Equipment Guard, Programs Guard and Whole Residence Guard plans, protection is proscribed to $2,000 per merchandise. For all extra coated objects, the restrict is $500 per merchandise. This quantity applies per coverage interval, which means it resets after three hundred and sixty five days from the date of buy.

Liberty Residence Guard Buyer Critiques

Many Liberty Residence Guard clients have posted each constructive and unfavorable critiques on the BBB web site. We’ve included a couple of of those house guarantee critiques under. 

Constructive Critiques of Liberty Residence Guard

Liberty Residence Guard has tons of of on-line critiques that spotlight constructive buyer experiences. Buyer satisfaction is clear from many critiques on the BBB, and lots of Liberty clients rave concerning the amount of cash saved, educated representatives and a clean claims course of.

They [Liberty Home Guard] met my expectations once they changed my rubbish disposal in 4 days. They exceeded my expectations once they changed my air conditioner in two weeks. I saved round 100 {dollars} on the rubbish disposal substitute, due to the deductible and the truth that the rubbish disposal situation was decided to be pre-existing. I saved about $1,200 once they changed my AC. All in, I’m up about $1,180 and I’m very comfortable up to now. I hope to proceed to get an increasing number of worth from this coverage. However actually, up to now the plan is price each cent I’ve paid for it.

— Amber C., 11/18/2022

Liberty’s crew has been extraordinarily dependable and saved us greater than a major amount of cash on repairs up to now. Their technicians simply give off the aura of being very expert and polished and possibly most significantly, appear extraordinarily motivated to assist. We really initially received our coverage with them as a present from our realtor about three years in the past and have used the service once in a while on a semi-regular foundation. On our final declare, Brian R. actually helped us out. As a house owner, Liberty Residence Guard’s safety has confirmed to be very worthwhile.

— Madeline C., 11/14/22

Detrimental Critiques of Liberty Residence Guard

Some Liberty Residence Guard clients report lengthy wait occasions on the telephone and the necessity to schedule a number of technician appointments to finish a restore. Liberty usually requires service technicians to submit footage of house home equipment and methods earlier than they are often repaired, which may delay repairs by a number of days.

[The] deductible is simply too excessive, there’s a ready interval earlier than you’ll be able to file a declare they usually require the plumber to submit pictures earlier than approving. Which means two appointments I needed to take off work for, one for the picture and one for him to truly repair the problem.

— Rick M., 07/19/2022

Liberty Residence Guard vs Different Residence Guarantee Firms

Earlier than you select a house guarantee supplier, it’s vital to analysis the suppliers obtainable in your space. Under you’ll be able to see how Liberty Residence Guard compares to different high house guarantee corporations.

Supplier Finest For Month-to-month Price Service Charge BBB Score Years in Enterprise
Liberty Residence Guard Most Customizable  $49.99 – $69.99+ $65.00 – $125.00 A – 5
American Residence Protect First-time Householders $49.99 – $99.99+ $75.00 – $125.00 B 51
Selection Residence Guarantee Worth $46.83 -$54.75  $85.00 D+ 13
Choose Residence Guarantee Most Reasonably priced Service Charge $60.42 – $63.75+ $60.00 – $75.00 B- 10
AFC Residence Membership Most Added Advantages $30.00 – $50.00+  $75.00 – $125.00 B 13
2-10 Residence Guarantee Kitchen Home equipment  $17.00 – $60.00+ $65 – $100 B 39

Learn how to File a Declare With Liberty Residence Guard

Liberty Residence Guard clients can report a declare across the clock, any time through the week. This 24/7 protection affords peace of thoughts understanding if one thing goes incorrect in your house, you simply need to file a declare on-line or name customer support as quickly as you discover the malfunction.

liberty home guard claims process

Liberty Residence Guard additionally affords a 60-day workmanship assure. So if a technician has repaired considered one of your property methods and the system fails once more inside 60 days, Liberty will ship a technician to restore it at no extra cost.

FAQ: Liberty Residence Guard

Is Liberty Residence Guard authentic?

Liberty Residence Guard is a authentic house guarantee enterprise with nice buyer critiques on-line. This firm is among the many most extremely rated of all house guarantee corporations, so we take into account it an amazing choice in your house guarantee wants.

Does Liberty Residence Guard cowl pre-existing circumstances?

Liberty Residence Guard doesn’t cowl any identified or unknown pre-existing circumstances. In keeping with an internet pattern contract, Liberty will solely cowl the fee to restore or substitute methods and home equipment which might be put in and in good working situation when your service contract begins.

Does Liberty Residence Guard cowl roof leaks?

Liberty Residence Guard affords roof leak safety for a further $11.99 monthly. This can get you $500 of protection per time period, however the protection doesn’t embrace partial or full roof substitute. It solely applies to the roof leak patching that presides over residing area in a single-family residence.

Does Liberty Residence Guard require a house inspection?

Liberty Residence Guard doesn’t require a house inspection so that you can take out a house guarantee coverage, and the corporate will cowl your property methods and home equipment no matter age. However these methods and home equipment have to be in working order whenever you signal your guarantee contract to obtain protection.

How do you cancel a Liberty Residence Guard coverage?

You may cancel your Liberty Residence Guard guarantee by calling the customer support line. When you cancel your coverage throughout the first 30 days, you’ll get a full refund. However in case you cancel after 30 days, you’ll have to pay a $50 cancellation payment.

How We Evaluated Liberty Residence Guard In opposition to Our Evaluate Standards

To assist shoppers such as you select the perfect house guarantee corporations in your house, we dive deep into each top-rated house guarantee firm and fee them primarily based on six elements. As soon as we analysis an organization and have gathered all our knowledge, we use the next scoring system to grade every house guarantee firm on a 100-point scale. We then convert the rating to a 5-star score.

liberty home guard review methodology
  • Plans + Protection Choices (24 Attainable Factors): Since each buyer has completely different wants and a special price range, we award extra factors to suppliers that provide extra plans and larger flexibility. Liberty Residence Guard does exceptionally nicely on this class as a result of it affords three completely different plans and dozens of add-ons that permit for plan customization.
  • Affordability (22.5 Attainable Factors): Price is a crucial issue as a result of many householders select house warranties to keep away from excessive funds for house equipment repairs. We consider every firm primarily based on its plans and extra providers, service name charges and cancellation phrases. Liberty’s Residence Guard’s plans are every reasonably priced at lower than $2 per day, and the add-on protection permits for patrons to customise their plan to go well with their wants and price range.
  • Buyer Expertise (18.5 Attainable Factors): Your expertise as a buyer is vital, together with the assist you obtain when contacting a house guarantee supplier. We gauge total assist by taking a look at buyer critiques, conducting home-owner surveys and going by means of the quotes course of. Liberty Residence Guard has nice on-line buyer critiques and a straightforward claims course of, which implies it scores excessive on this class.
  • Firm Repute (17.5 Attainable Factors): An organization’s status is a mixture of critiques from clients and respected organizations just like the BBB. We additionally bear in mind the years of expertise an organization has, how glad its staff are and any previous or pending lawsuits. Liberty has a wonderful A- score with the BBB and 4.7 stars on Google Critiques, so it does nicely on this class.
  • Claims Course of (12.5 Attainable Factors): On this class, we take a look at the general claims course of, together with how simple it’s to file a declare and an organization’s response time. Liberty Residence Guard’s claims course of is easy and clients can contact a customer support consultant 24/7.
  • Availability (5 Attainable Factors): Availability refers to what number of states and areas an organization serves. Liberty Residence Guard does nicely on this class as a result of it affords house warranties in 48 states, solely excluding Wisconsin and Washington.

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