The Liberty Home Guard Home Warranty Company is one of the largest in the country. With the exception of Wisconsin and Washington, Liberty now covers homeowners in 48 states. This company ranked #5 on our list of top home warranty providers. Although it is more expensive than its rivals, its high customer satisfaction rating makes up for the difference. One plan is designed specifically for appliances, another for home systems, and a third for both. Liberty also provides a plethora of optional extras so that you can tailor your package to your specific requirements and the specifics of your home. The firm offers plans at different price points, from $65 to $125 per claim, with the difference reflecting either the service charge or tax deduction amount.
List of Contents
- Liberty Home Guard Home Warranty’s Overview
- State of Liberty Home Guard Home Warranty Availability
- Available Plans
- Liberty Home Guard Coverage Limitations
- Cost of Liberty Home Guard Home Warranty
- Liberty Home Guard Claim Response Time
- Pros & Cons of Liberty Home Guard
- Is Liberty Home Guard Home Warranty Worth It?
Liberty Home Guard Home Warranty’s Overview
There is a distinction between a homeowner’s insurance policy and a Liberty Home Guard home warranty policy. Its protection plans fill the gap left by homeowner’s insurance by covering the cost of fixing worn-out systems and appliances that malfunction due to regular use.
Liberty provides numerous coverage options as well as three different plans ranging from $69 to $79 monthly. Liberty offers a discount equivalent to two months of coverage to customers who opt to pay annually rather than monthly. Plans are available for an annual fee of $699.99 to $799.99. Despite charging more than its competitors, customers are generally pleased with the company’s services.
Expenses for home warranty service are comparable to those for a homeowner’s insurance policy deductible. Whenever a claim is made on an insurance policy, the policyholder must pay a set fee. According to the extent of your coverage, Liberty Home Guard’s service fees can go as high as $125.00 per claim. The deductible is only charged once every two months for the same repair because Liberty guarantees its work for 60 days after each service call.
Liberty Home Guard allows claims to be filed around the clock, and the company promises to assign your claim to one of its prescreened repair contractors within 48 hours (though the repair itself may take longer). Liberty will provide coverage for work done by a customer’s contractor in certain circumstances.
Discounts on purchases of major appliance brands, rewards for referring friends, and savings on multiple home insurance policies are just some of the additional perks of being a Liberty Home Guard customer.
State of Liberty Home Guard Home Warranty Availability
Liberty Home Guard provides home warranty services in 48 states and DC. However, residents of Wisconsin and Washington will be disappointed to learn that they are not eligible for coverage.
The Appliance Guard plan from Liberty Home Guard pays for repairs to your kitchen and laundry appliances, as well as your ceiling fans and garage door openers if they malfunction. In addition, the Systems Guard plan protects things like your home’s heating, ventilation, air conditioning, electrical, and plumbing systems. Liberty also provides a more all-encompassing option, the Total Home Guard plan, which features both of the previous tiers of protection. A wide variety of supplemental policies can be purchased for a small additional monthly fee.
Liberty Home Guard Coverage Limitations
When shopping for a home warranty, the various restrictions placed on claims must be kept in mind. Liberty Home Guard’s liability disclaimers are clear and concise in the agreement. Remember that the most Liberty will pay out for any given item is $2,000 unless that item has a separate $500 or $250 liability cap according to the contract. The first 90 days of coverage are limited to $250 for electrical and plumbing systems and $500 after that.
In some cases, Liberty Home Guard may pay for the price of a new appliance. However, the coverage does not extend to the cost of recycling or getting rid of the old appliance. In addition, there are constraints, such as a cap of $10 per pound for the price of refrigerant replacement.
Customers are responsible for ongoing maintenance on covered items, and the company may request records of maintenance and repairs before releasing payouts. Flues, vents, chimneys, exhaust lines, and filters are examples of related components that Liberty does not typically cover if they malfunction. In addition, smart home gadgets generally are not covered by standards.
Cost of Liberty Home Guard Home Warranty
Liberty’s rates are marginally more expensive than the market norm. Appliance Guard plans start at $69.99 per month or $699.99 per year with a one-time payment discount, but the company website is hesitant to provide pricing without knowing the specifics of your home. Prices for the Systems Guard plan can vary widely based on factors such as the age, condition, number, and type of your home’s systems, with the base price starting at $5 more per month. Prices for the Total Home Guard plan range widely as well, from a low of $79.99 a month to a high of $799.99 a year.
For their services, customers can expect to pay anywhere from $65 to $125 per claim with Liberty Home Guard. The monthly premium for a plan can be reduced if the service fee is increased, while it can be increased if the service fee is decreased.
The range of monthly premiums for the company’s supplemental insurance plans is impressive. The items below are all available as optional extras.
- Sump pump
- Well pump
- Central vacuum
- Computers and Televisions
- Trash Compactor
- Ice makers
- Power washing service
- Wine cooler
- Septic plumbing
- Stand-alone freezer
- Roof leaks (limited coverage)
- Light fixtures
- Gutter cleaning maintenance
- Television mounting systems
- Satelite water dispenser lines
- Hot water dispenser
- Reverse osmosis water filter system
Pest control service
Select pro-series appliances
- Plumbing fixtures
- Grinder pump
- Backup generator
Liberty Home Guard Claim Response Time
Liberty Home Guard guarantees that a technician will arrive at your location within 48 hours at the earliest, usually within 24 hours, of your service request. This timeline is not guaranteed and is not included in the company’s provided contracts as examples. However, the company’s high customer satisfaction rating suggests that most customers are pleased with the response time they receive.
Pros & Cons of Liberty Home Guard
- Strong approval ratings from users
- Plenty of supplementary choices
- Guaranteed service for 60 days
- Utter lack of coverage for preexisting conditions
- It is not recommended that you find your own contractor.
- Consistently high pricing on a monthly basis
Is Liberty Home Guard Home Warranty Worth It?
Even though Liberty Home Guard has a slightly higher monthly cost than its rivals, it has the highest customer satisfaction ratings. However, those willing to pay for an entire year’s worth of coverage at once are eligible for a substantial discount. With this price cut, Liberty is competitive with similar home warranty companies.
With three different options, Liberty Home Guard’s coverage should be sufficient for most homeowners’ needs. If your home has unique features that aren’t covered by standard home warranty policies, or if you own multiple properties, you may find great value in Liberty’s suite of optional extras and discounts for bundling.
Liberty Home Guard’s home warranty plans are mid-range in terms of value, but they offer competitive pricing and comprehensive protection. All states besides Wisconsin and Washington have access to the company’s extensive resources for consumers. When compared to other home warranty providers, Liberty Home Guard is fairly standard. All of their policies, from pricing to coverage to exclusions, are par for the course in the business.
The company’s success can be attributed to the ecstatic responses it consistently receives from its clientele. This suggests that Liberty Home Guard has satisfied the needs of the vast majority of its clients.
Overall, Liberty Home Guard is a solid option if you’re looking for a home warranty at a reasonable price from a customer-centric company. Individuals working in the real estate industry will especially appreciate the company’s online offer.
Our survey found that the majority of consumers (74%) ranked the overall cost of a plan as the most important consideration when making their selection. The cost of the service (63%), how quickly a problem is solved (48%), and the ease with which one can find prices online (46%) are also major considerations. In order to help you make a well-informed decision when selecting a home warranty provider, we take into account all of these details, as well as any exclusions and maximum payouts.
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