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Jesus Sanchez Garcia is a senior writer for USA TODAY Homefront. His expertise focuses on home warranties, with over 50 hours spent reviewing provider sample contracts to understand their benefits. He also regularly performs consumer research, such as surveys and customer interviews with an eye on incorporating data into his writing. Jesus has a bachelor’s in business administration from California State University, Stanislaus, and is still located within California’s vibrant Central Valley. When he is not researching or writing, he enjoys supporting his favorite sports teams, spending time with loved ones and chasing new adventures outdoors.
After scoring Liberty Home Guard (LHG) against our in-house review standards, we consider it the best home warranty because of its extensive add-on coverage options, competitive pricing and unrivaled reputation. However, its payout limits per item aren’t as robust as other companies, which may not suit those who own older home systems and appliances.
To help you decide if LHG is the right choice for your home, we analyzed its coverage plans, costs and sample contract. Below, we highlight who LHG would benefit most and who should consider a different provider.
Liberty Home Guard scored 4.5 out of 5 stars in our rating system. It scored well in the coverage and reputation sections of our review standards. However, it lost points in the extra features section.
We like Liberty Home Guard’s extensive list of add-ons and convenient customer service tools. We found that LHG is one of the few home warranty companies that provide a 24/7 online chat tool. We used the tool while secret shopping, and we were connected with an LHG representative in less than two minutes.
Another plus is that LHG provides coverage in all 50 states — very few home warranty providers do the same. If you own rental properties or need to move across the country, you can keep your home warranty protection from LHG regardless of your location.
LHG also offers good coverage caps and a lengthy workmanship guarantee. It provides a $2,000 coverage limit for most covered items. In addition, LHG provides a 60-day workmanship guarantee for all completed repairs. Most home warranties offer a 30-day guarantee.
Additionally, we read through Liberty Home Guard customer reviews and found that most customers experienced friendly and helpful service from representatives, which aligned with our experience contacting customer service.
While Liberty Home Guard provides generous coverage caps for most covered items, it limits electrical and plumbing systems to $250 per claim within the first 90 days of sign-up. After 90 days, LHG increases the electrical and plumbing limit to $500, which is still significantly lower than its standard $2,000 coverage limit.
Another downside worth mentioning is LHG’s service call fee structure. When you pull a quote, the company doesn’t display its service call fee options. Instead, it assigns the fee after you purchase a home warranty plan. We called an LHG representative and confirmed that the service call fee ranges from $65 to $125 per claim.
Additionally, LHG charges extra for pro-grade appliance protection. Other home warranties I’ve researched cover high-end appliances without charging extra per month.
Liberty Home Guard provides an impressive variety of add-on coverage options, ranging from pool and spa coverage to home maintenance services, such as window washing and gutter cleaning. Other top-ranking home warranty companies, such as 2-10 Home Buyers Warranty and American Home Shield, offer fewer add-ons but more comprehensive standard coverage and perks.
See how the best home warranty companies compare on key factors:
Liberty Home Guard offers three home warranty coverage plans. Below is a quick overview of each LHG plan:
Liberty Home Guard lists several factors in its sample contract that affect your home warranty coverage, such as its workmanship guarantee and per-item coverage caps. Here is an overview of each:
The table below shows a breakdown of LHG’s coverage options per plan:
Liberty Home Guard offers a standout 42 add-on options. To help you decide which ones could benefit you, the add-on window of your quote includes a “most popular add-ons in your state” section. This feature is unique to LHG in our experience reviewing home warranty providers.
Below is the full list of add-ons Liberty Home Guard offers:
I read LHG’s sample contract and found it has the same standard coverage exclusions other home warranty companies have. For instance, LHG will not cover items with preexisting conditions. Some other coverage exclusions we noted in the company’s fine print were routine maintenance; rust, corrosion or sediment damage; chimneys; cosmetic defects; refrigerant recovery; and accidents caused by fire and water damage.
For additional information, review LHG’s service contract.
Liberty Home Guard prices its home protection plans competitively. We used a 2,300-square-foot, single-family home in South Carolina to request plan and pricing information for the table below. There were multiple windows where we had to enter personal information to obtain a quote, such as a full name, phone number and home address. After filling out all the requested info, LHG displayed pricing information for each plan option.
LHG does not display your service call fee after it generates a quote, so we called an LHG representative to confirm the fee. The representative stated that LHG charges between $65 and $125. “Your final price depends on the size and type of your home, plus your location,” the representative said.
The quote displayed the monthly price of a Liberty Home Guard plan. LHG also offers an annual premium option, ranging from $699 to $799. If you choose a yearly plan, LHG will give you two months of extra coverage plus a discount on your annual premium.
The BBB recently downgraded Liberty Home Guard’s A rating to N/R (“not rated”), and the company’s BBB page has been tagged with a Pattern of Complaint alert. The alert says the BBB noticed an increase in consumer complaints since 2023 “regarding the claims process, customer service and sales tactics.”
The Pattern of Complaint alert also mentions that LHG was contacted on March 11, 2024, to seek cooperation in resolving the issues.
LHG responded on March 12 by letting BBB know “that new software upgrades are currently being deployed which are intended to facilitate the communication regarding the scheduling of technician appointments and streamlining the claims process. In addition, the company reports that it is increasing its customer service headcount, and augmenting the training sessions and oversight for its sales representatives.”
LHG co-founders and co-CEOs Ben Joseph and David Moreno also issued a joint statement regarding the BBB alert and LHG’s commitment to its customers:
“Despite the BBB’s alert, our customer satisfaction levels remain by far the highest relative to our scale. Last month, we had the lowest percentage of customer cancellation requests in our entire history. On the BBB’s own platform, Liberty Home Guard has achieved a star rating of 4.5 out of 5 from nearly 2,500 reviews. For added context, the approximately 480 resolved complaints on Liberty Home Guard’s BBB profile equate to an extremely low fraction of a percentage relative to the size and scale of our total customer base.
“As we navigate this situation, which we believe will be resolved in time, we want to assure you that we remain committed to our customers and their satisfaction; they are the key stakeholders we orient all our efforts around.”
We found 13 1-star BBB reviews for LHG since January 1, 2024. During that same period, we found 90 5-star reviews.
In a 1-star review submitted on March 13, Geri L. wrote that the company was slow to send a technician, who then had to wait for authorization to complete the job. Additionally, many negative reviews reference low claims payments from LHG.
In a 5-star review submitted on March 8, Lynn B. wrote that her technician was professional and knowledgeable. Even though her range was ultimately not repairable and needed to be replaced, Lynn felt confident that the technician had checked every connection until he found the issue. Many other positive reviews mention the company’s quick and easy claims process.
Before signing up for a Liberty Home Guard plan, we recommend understanding how a home warranty works. For example, you should read certain sections of the company’s sample contract to understand its exclusions and limitations. Below is a brief overview of how to maximize the value of your LHG coverage plan.
We highly suggest reading LHG’s sample contract before purchasing a plan because knowing what LHG covers and excludes can help you avoid a denied claim. The main sections you should focus on in LHG’s sample contract are the following:
Liberty Home Guard provides two claim-filing methods: a 24/7 claims phone number and an online portal. In its sample contract, LHG bolds the following statement: “LHG must be notified as soon as the malfunction is discovered and prior to the expiration of the Agreement Term and any bonus months.” Delaying notifying the company of an appliance or system breakdown could lead to claim denial.
After approving your claim, LHG will send an in-network service provider to your home within 48 business hours. However, the company’s sample contract states that these ranges are for claims submitted during normal business hours. If you submit a claim after hours, on the weekend or during a holiday, expect a delay in your claim’s processing.
Liberty Home Guard offers plans that, in most cases, last 12 months. For an annual premium, you can purchase a multiyear policy. When you purchase coverage, LHG won’t accept claims until the initial waiting period ends. This period lasts for 30 days after you sign up.
Like most home warranty companies, LHG provides a free cancellation period during which it will refund your entire policy premium if you cancel within the first 30 days of purchase.
If you cancel after 30 days, LHG will refund a prorated amount based on the amount of time you held your policy. In addition, LHG charges a $50 cancellation fee.
If you have a dispute with LHG regarding your most recent claim, you can take several actions to expedite the resolution process:
After a claim has been denied, your first step should be to review your home warranty coverage to verify that the reasons cited for the denial comply with your warranty provider’s coverage terms. Angel Conlin
After a claim has been denied, your first step should be to review your home warranty coverage to verify that the reasons cited for the denial comply with your warranty provider’s coverage terms.
While Liberty Home Guard is our top-rated home warranty company, you should still compare it against some of our other top providers to ensure you choose a company and a plan that suits your specific needs.
2-10 Home Buyers Warranty is our second highest-rated home warranty provider. 2-10 has unique perks, such as appliance color matching, and it’s one of the cheapest home warranties. 2-10 does not cover washers and dryers in its basic coverage plan. LHG covers both in its entry-level and comprehensive plans, making LHG one of the best home appliance insurance providers.
American Home Shield (AHS) has a coverage limit of up to $5,000 for major systems — significantly higher than LHG’s $2,000 limit. Additionally, AHS is one of the best home warranty companies for HVAC, as it covers AC and heaters with its lowest-priced plan. However, AHS has a higher average monthly premium than LHG, and it received a lower customer service subscore in our rating methodology.
Liberty Home Guard offers an extensive suite of additional coverage options other companies don’t provide — 42 items in total. LHG’s other benefits include its 60-day workmanship guarantee and stellar customer service. That said, the total cost of an LHG plan can increase quickly with add-ons, especially if you own professional-grade appliances.
Depending on your needs, LHG is a solid choice to help reduce your home repair and replacement costs.
We research and rate home warranty providers to help you choose the right one for your budget and home. Our research includes gathering customer insights via consumer surveys, interviewing industry experts, secret shopping all of the companies we review and analyzing customer reviews from third-party review sites such as Trustpilot and BBB.
We compare home warranty providers across the following five categories:
Read our full home warranty company methodology for more information.
BBB ratings are accurate as of April 2024.
Editorial note: The name “Homefront” refers to the alliance between USA TODAY and Home Solutions that publishes review, comparison, and informational articles designed to help USA TODAY readers make smarter purchasing and investment decisions about their home. Under the alliance, Homefront provides and publishes research and articles about home service and home improvement topics.
Homefront has an affiliate disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Homefront editorial staff alone (see About Homefront). Homefront adheres to strict editorial integrity standards. The information is believed to be accurate as of the publish date, but always check the provider’s website for the most current information.
Liberty Home Guard is our top-rated home warranty company due to its extensive list of optional add-ons and nationwide coverage. 2-10 Home Buyers Warranty is a close second because of its affordability and robust home protection. Meet the expert Jesus Sanchez Garcia is a USA TODAY Homefront senior writer specializing in home warranty research. He…
Elite Home Warranty has a variety of features that make it unique. For example, Elite allows you to choose your preferred service technician to fix your major appliance or system breakdown. Elite also offers up to 30 optional add-ons, allowing you to fully customize your home protection plan. Elite opened its doors in 2020 and…
After scoring Liberty Home Guard (LHG) against our in-house review standards, we consider it the best home warranty because of its extensive add-on coverage options, competitive pricing and unrivaled reputation. However, its payout limits per item aren’t as robust as other companies, which may not suit those who own older home systems and appliances. To…
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