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Part of being a diligent householder is preparing for the unexpected . Routine sustenance will help keep the dimension , but householder need to plan for the eventual nonstarter of critical home organization and quotidian contrivance over time . While a homeowners insurance policy can avail protect these items in the event they are damage by a cover case , it wo n’t be able-bodied to offer up financial assistance if HVAC systems , refrigerators , washing machines , or other appliance and home scheme break down due to normal vesture and snag . Purchasing a home warranty while appliances and home systems are in good repair can be a good investment , as it can help minimize the costs to repair or even replace items when they are close or have already turn over their end of life .
Liberty Home Guardoffers multiple rest home warranty options , including three standard insurance and numerous add - on service , for homeowner to buy in rescript to protect their home systems and appliances . Is Liberty Home Guard a near selection for home base warranty protection , specially when there are so many options useable across the nation ? Our Liberty Home Guard review delve into the shade of the society ’s rest home warranty policies — including coverage options , price cistron , and notable exclusions — to fix if the company can deliver on its promise of a customer - centric home warranty service .
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At a Glance
Liberty Home Guard
Our Verdict : Liberty Home Guardoffers customizable home warranties to every corner of the country , with legion impart - on service option usable for customers to progress out their dwelling warrantee plan . Although the ship’s company ’s rate are not excessively competitive , promotional offers and deduction opportunities can help oneself get down the monetary value of reportage for customers . The company ’s low coverage caps could be a business concern for some homeowners , but these limits apply to each covered item rather than in aggregate .
Liberty Home Guard Review: Claims
Liberty Home Guard acquaint itself as a home warrant provider focused on the client experience first and foremost . The company ’s website highlights positive customer review , gamey ratings from various review sites , and awards Liberty Home Guard has experience from unlike media mercantile establishment and autonomous organizations . Liberty Home Guard ’s overarching message is one of convenience and helpfulness , claim to aid customers simplify maintenance and upkeep tasks that come with homeownership .
About Liberty Home Guard
Liberty Home Guard is a home plate warrant ship’s company that provides service plans plan to help cover the toll to cook consequence with home base scheme and appliances that result from age and normal wear and snag . client can choose from three overarching policy tiers , purchasing home warrant that only continue appliances or home systems as well as policies that provide aegis for both . There are also legion extra service options for client to add to their policy at an extra price .
Although the company previously had some reporting gaps that could impact availability , it now offers house warrantee to every state in the nation as well as Washington , D.C. As such , Liberty Home Guard is one of a quality group of menage warranty party that can arrogate to be a nationwide service provider in this diligence .
As is typical with a family warranty serving , Liberty Home Guard requires customers to make up a divine service fee on any cover repair or replacement . This fee may diverge depending on what options a client choose when setting up their home warrant policy , but that defrayal must be made before a technician can be contacted to set up an review . In most cases , that technician will be take from the company ’s internet of preferred contractor . Liberty Home Guard ’s site notes that there may be scenarios where a customer can pluck their own help contractile organ , but it ’s not clear what circumstances would allow for that selection .
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Customers’ Online Experience
Liberty Home Guard offer a relatively satisfying online experience for client , with a well - structured website that ’s easy to sail . The company ’s on-line quote dick is a standout feature film , with insurance comparability chart and bestow - on service tables that make it gentle for prospective customer to compare their options and decide on the beneficial assortment of coverage terms to befit their needs .
Elsewhere , the site ’s FAQ plane section clear and succinctly answer some of the most plebeian interrogation homeowners may have about Liberty Home Guard ’s services , such as how home warranties work , what they cover , and what step are necessary to quest repair and replacement . Liberty Home Guard is also very lucid about its reporting area , displaying a reportage map right on its dwelling varlet for potential customers to explore . Other aspects of its insurance coverage are n’t quite as vapourous , however . Key information such as coverage limits , servicing fee options , and censure can be swallow up within the web site , making it difficult for visitors to well discover this data .
Home Warranty Plans, Coverage, and Caps
Liberty Home Guard customers can take from three insurance policy level , one focused solely on abode systems , another rigorously covering gadget , and a third option that combines both types of insurance coverage . Depending on what degree of reporting and protective cover a householder needs , they may find that one plan suits them better than the other two :
Coverage cap can be on the downhearted side for a dwelling warranty , as Liberty Home Guard sets a maximal limit of $ 2,000 for repair costs . That being said , the $ 2,000 limitation is per covered token , not in aggregate , so customer can bow serve requests for multiple appliances or home arrangement without worrying that the combine mending cost will exceed their reportage cap .
Plan Add-Ons
Liberty Home Guard offer client a wide-cut variety of service options to add on to their habitation warranty insurance at an additional cost . In totality , there are 42 redundant service add - ons for customers to purchase , with options cross several distinct categories :
Among those many extra option for customers to consider , the professional - serial publication add - ons are particularly remarkable since they propose increased reporting limits for high-pitched - end appliances , which is not typically available through a home warrant . Homeowners who have professional - score or restaurant - caliber appliances may want to seek out this expanded reportage choice , as such appliances can be expensive to revivify or replace due to the higher - quality materials used and more specialised skills necessitate to treat repairs .
Other standout add - on choice include extra services to cover saltwater pools , guest units , and primal vacuums , as this case of coverage is not always available with a home guarantee — either as an add - on religious service or as part of a received policy .
Photo: Liberty Home Guard / Jeff Keleher for Bob Vila
Home Warranty Plan Pricing, Fees, and Discounts
Unlike some other home warranty company , Liberty Home Guard sets the same prices for every state and ZIP codification . No matter where homeowners live in the U.S. , they will find that monthly prices for each insurance policy tier remain consistent :
look on their timing , customers can lour their home warranty be with Liberty Home Guard by taking reward of promotional pass and deduction that may be available at various times throughout the yr . In some cases , these proffer for new - client registration may reduce the yearly price of a menage warranty by one C of dollar . customer who pick out to pay for a full yr ’s worth of coverage up front will receive an extra 2 months of protection at no additional cost . This pick basically gives customers 14 month of reporting for the terms of 12 . If they wish , customers can purchase multiyear policy as well , with extra coverage perks increase with longer insurance term . Customers who pay for a 5 - yr policy up front will receive 6 extra months of coverage for free .
Adjusting the policy ’s service title fee can impact the total price of reportage as well . Service fee are the out - of - pocket expense that customer require to bear when take a haunt request and can run between $ 60 and $ 125 with Liberty Home Guard . elect to have a high service of process fee will leave in a lower monthly pace and frailty versa , so this is another broker that homeowner may want to consider when determininghome warranty costs .
Photo: Liberty Home Guard / Jeff Keleher for Bob Vila
Getting a Quote
Homeowners interested in finding out how much a base warranty will cost can get a quotation mark either online or over the earphone . Liberty Home Guard ’s on-line quote tool is very straightforward and easy to habituate .
After providing a few details about themselves and their home , including their touch information , address , attribute type , and approximate property size of it , customers will be given the option to prefer from the caller ’s three basic tiers . The quote tool clear breaks down the coverage include with each policy type with a equivalence table that outlines the standard coverage for gadget and home system across all three canonic plans .
After customers select their policy type , they can then custom-make their program by selecting from 42 extra service attention deficit hyperactivity disorder - ons . The online quote tool even highlight which add - ons are especially popular among other customers in the householder ’s res publica , providing some penetration into the types of add - on options that may be well become for their particular emplacement . Monthly rates for these extra serving are distinctly judge so customer can get a good estimation of their additional cost .
Photo: Liberty Home Guard / Jeff Keleher for Bob Vila
Once customer have finish select all of their reporting options , they will be taken to a defrayal page where they can see the entire cost of their home guarantee . Before finalizing their purchase , prospective customer can select from multiple payment plans , wander from monthly installment to a bulk defrayment hatch 5 class ’ worth of coverage . Going through this intact quote process can be done very promptly — taking no more than a yoke of minutes , in some cases .
Meanwhile , customers who would prefer to peach through their option with a representative can call the company ’s customer service line to get a quote over the phone . One of the advantage of talk with a interpreter using the Liberty Home Guard phone bit is that customers can quest a different service fee , as the online quote tool does not provide that flexibility . Either approach should be a comparatively well-heeled and commodious selection for homeowner bet to get a quotation on a home warrant .
Filing a Claim
client have two option when they want to lodge a title and submit a repair request . They can either lumber into their dedicated account and submit a title online or they can call a Liberty Home Guard interpreter and file a call over the phone . The ship’s company ’s internet site mark that both choice are useable 24/7 , even on holidays and weekends .
Taking the online advance may be appeal to digital natives and tech - savvy customers , but some householder may be pleased to know that they can go through the process over the phone if that ’s easier for them . Even in those cases , it may be helpful for customer to log into their on-line account since they will be able to chase the status of their claim through the company website . Customers will want to keep in mind that before a technician can be assigned to a claim , they will involve to devote a service fee , which typically runs between $ 60 and $ 125 .
Response time could change , but Liberty Home Guard states that the troupe will do its best to have a technician scheduled within 48 hours . In fact , the company state that a technician can be on situation and ready to audit the problem within 24 to 48 hours of receiving a claim for the majority of overhaul requests .
Photo: Liberty Home Guard / Jeff Keleher for Bob Vila
Another primal facial expression of the claim process that homeowners may need to consider is the craft guarantee , which ply for 60 days . If a customer notices an issue with the quality of the technician ’s work and unwrap that the underlie trouble has not been full addressed , they can bespeak a follow - up appointee within those 60 days . After that windowpane has closed , customers may need to give an additional service fee for another technician to do the job .
Customer Service Experience
Liberty Home Guard give way customer a few dissimilar ways to give out for assist when they need it . The most unmediated method is to call Liberty Home Guard ’s customer support line , which the company ’s site claims is useable 24 hour a 24-hour interval , every Clarence Shepard Day Jr. of the twelvemonth . Speaking with a representative over the speech sound could be the quickest elbow room to get answers to questions or resolve issue , but client who prefer to address matters online have option to deliberate as well .
Liberty Home Guard ’s website features an online confab assistant that can answer question about the company ’s service , although its functionality is somewhat modified . Aside from answering the most rudimentary questions , the chat bot is unable to offer more sophisticated or hand - on assistance , and it tends to direct visitant to speak with a live agent for other requests .
If customer care , they can also adjoin Liberty Home Guard via e-mail , although it is unclear how chop-chop they may receive a response if they hit out using this method acting . Because the company has a 24 - hour client service line , it may be more expedient to call a representative over the speech sound when a job get up or if a customer has a enquiry they need answered .
Photo: Liberty Home Guard / Jeff Keleher for Bob Vila
Liberty Home Guard Reviews by Customers
Liberty Home Guard has received generally positive feedback from customers across different review sites . Liberty Home Guard menage warrant reviews featured by theBetter Business Bureaupraised the company ’s customer help team for their helpfulness and reactivity . A few negatively charged review complained about the back and off required to have covered repairs approved for the full disbursal , but the society is likely evenhandedly responsive to these concerns . In each case , a representative replied to the review , promising to impute a Senior Director to await at these complaints more tight . Although Liberty Home Guard is not currently recognize by the Better Business Bureau , it does hold an A+ rating from the organization .
Trustpilot reviewswere similarly prescribed overall , with the troupe holding an average rating of 4.6 out of 5 . Many customers mention on how quickly claim were processed and repairs were schedule by Liberty Home Guard representatives . Positive Liberty Home Guard product follow-up also praised the character of body of work on covered repairs and the expediency of the entire title process . Not all customers had such prescribed experiences , though , with some express frustration that their home warrantee did not cover water leaks and other issues that would typically be take out from this kind of table service design .
Customer reviews on Sitejabberwere a bit more measured , although experiences lean in the irrefutable direction , as Liberty Home Guard has around a 3.3 out of 5 military rank at the moment . Some referee expressed concerns that they were unable to receive a brand - new transposition on covered items , settling for repair piece of work or else . However , positive review proclaim the company ’s exemplary client service — in one instance , Liberty Home Guard even provided a credit toward haunt work not covered by the householder ’s policy .
Photo: Liberty Home Guard / Jeff Keleher for Bob Vila
Liberty Home Guard has largely point well-defined of controversy with its customers , although a causa was filed against the party in 2020 alleging excessive marketing communications . This Liberty Home Guard suit has yet to be in full resolved , but the outcome of this case wo n’t reflect on the caller ’s character of service one way or the other .
It ’s often important to remember when weigh customer reviews that they are inherently subjective and may not be representative of each soul ’s experience . place warranty may be particularly prone to client complaints due to policy exclusions that are observe in a policy ’s terms of understanding but are otherwise easy to miss . Frustrated customers may confuse Liberty Home Guard menage warranty for Liberty house insurance , but the party ’s service architectural plan specifically cross wear and binge , rather than property scathe induce by hide case like a homeowner insurance insurance would .
How Liberty Home Guard Stacks Up to the Competition
Liberty Home Guard compares favourably with many of the best home warranty companies that homeowners may consider when buy a policy . Although home warranty providers run to have large footprint , Liberty Home Guard stand out as a true nationwide home warranty company , offering policy within all 50 states as well as Washington , D.C. In compare , Choice Home Warranty does not provide service to resident in California or Washington State , although its coverage arena is still quite prominent .
Where Liberty Home Guard truly key itself is through its many extra sum up - on inspection and repair that are available for purchase . The company has 42 service add - ons for customers to choose from , cater a extensive variety of ways to spread out the scope of their reporting . Many other company , such as American Home Shield , have much more limited add - on options , which could make Liberty Home Guard an appealing choice for homeowners who require to customize their policy to their accurate need .
Coverage amount is one area where Liberty Home Guard can come up somewhat short , though . The maximal reporting terminus ad quem on any single item is $ 2,000 , which is fairly low compared with some other home warranty provider . AFC Home Club , for instance , has a $ 3,000 coverage pileus , while American Home Shield can offer reporting limits as high as $ 5,000 per point in some case . Even so , with its large coverage sphere and admonitory customization options , Liberty Home Guard could be a great option for many homeowner looking for a home warranty .
Photo: Liberty Home Guard / Jeff Keleher for Bob Vila
Is Liberty Home Guard worth it?
Liberty Home Guard give homeowners plenty of reason to consider it for their abode warranty need . The fellowship provides home plate warranty reporting in all 50 states and Washington , D.C. , so homeowners can corrupt a policy anywhere in the U.S. The ample customization option can be very appealing as well , thanks to the 42 extra service hyperkinetic syndrome - ons that can be purchased to expand the scope of coverage with a Liberty Home Guard policy . While Liberty Home Guard ’s baseline prices are not particularly low equate with most affordable home warranty policy out there , the ample cost - deliverance chance — thanks to the promotional offer for unexampled customer and generous welfare for client who compensate in full — can assist lour the cost of menage warranty policies for homeowner .
Liberty Home Guard ’s claim process can be a halfway - of - the - road experience , with response times and craftsmanship guarantees that are clean typical for a nursing home guarantee supplier . Customers may not be wowed by these aspects of the company ’s services , but they are n’t likely to be disappointed by them , either . That being pronounce , the option to select a service fee as low as $ 60 is noteworthy and could let down the out - of - pocket cost associated with submit a claim and scheduling a repair . All in all , Liberty Home Guard is a self-coloured selection for just about any homeowner looking to grease one’s palms a home warranty and could be the sodding tantrum bet on what exactly they take from a home guarantee provider .
FAQs
Figuring out what exactly is covered by a home warranty is n’t always easy because the terms and term are often bury in contracts and user agreements . Liberty Home Guard client may see that ’s the casing for them as well , so it can be helpful to brush up some of the most common questions homeowners have about the company ’s home warranty policies . This elbow room , they can decide if Liberty Home products are a unspoiled convulsion based on the exact circumstance of insurance coverage let in with each home warrantee .
Q. What’s Liberty Home Guard’s cancellation policy?
Liberty Home Guard ’s cancellation insurance policy varies count on when a cancellation request is subject . Customers who cancel their Liberty Home Guard home warranty within the first 30 days of coverage will receive a refund for their full defrayal minus a $ 50 cancellation fee as well as any fixing costs the fellowship may have incurred . After that initial period , any refunds will be prorate based on the duration of time remaining on the home guarantee understanding . In those cases , the repayment amount will also calculate for any repair costs pay by the company as well as the $ 50 cancellation fee .
Q. Does Liberty Home Guard have any hidden fees and costs?
The only additional fee that Liberty Home Guard customer will need to yield is a service fee ( $ 60 to $ 125 ) that ’s necessitate when submitting a call . Such fees are standard for home warrant , although Liberty Home Guard ’s website could be more transparent about what service fee option are usable , as they are not listed when customers get a quote online .
Q. How long does it take to get Liberty Home Guard?
Customers can purchase a home warranty insurance policy within a few second if they use the companionship ’s on-line quote dick . buy a domicile guarantee over the phone should n’t take much longer than that , either . Like many home warranty companionship , however , Liberty Home Guard has a standing waiting period or hold period before reportage can start . This waiting period typically runs for 30 daylight from the point of leverage and serves to protect the company from unscrupulous homeowner who might seek to file a call on a pre - existent issue and then promptly scrub their policy for a refund after repairs have been completed .
Q. Are there any fulfillment conditions that I need to meet before signing up for Liberty Home Guard?
There are no set fulfillment conditions that client need to meet to qualify for a plate warranty with Liberty Home Guard . Because the caller ’s footprint now extends across the entire country , there are no coverage col that prospective customer have to worry about , either . Homeowners should be aware that Liberty Home Guard insurance policy do not wrap up any known or unknown pre - existing conditions . However , the company ’s home warrant will cut across home systems and convenience regardless of their age .
Q. Does Liberty Home Guard cover plumbing issues?
Both the Systems Guard and Total Home Guard plans include plumbing coverage as part of their standard terms and condition . In peculiar , these policy cover leaking or crushed piddle , drainage , and waste lines , as well as toilet tank , showers , bathtub , logic gate valve , whirlpool motor assemblies , and wax annulus seals , among other point . Liberty Home Guard ’s insurance coverage in this area is not necessarily unique , though . Home warrant typically cover plumbingto some extent , but this may look on the specific policy term available .
Q. Does Liberty Home Guard cover electrical repairs?
Customers who purchase either a Systems Guard or Total Home Guard plan will be compensate for electrical system stamping ground , include mechanisms and components at once related to this home system . There are some exclusions to be aware of , though , such as intercom systems , attic exhaust fans , auxiliary panels , and GFI ascent for survive vent .
We independently reviewed this service by press the company ’s claims against first - hand experience with its professional . However , due to gene such as franchising , human error , and more , please mention that experience with this troupe may vary .
Everything You want for a Lush and Healthy Lawn
Photo: Liberty Home Guard / Jeff Keleher for Bob Vila
Keeping your grass green and your plants flourish does n’t just take a gullible pollex — it part with the right tools and supplying .
Photo: Liberty Home Guard / Jeff Keleher for Bob Vila
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