Interested in a home protection plan that prioritizes customization? Liberty Home Guard offers flexible plans, competitive pricing, and over 40 add-on options so you can build coverage that’s tailored to your home.
This Liberty Home Guard review details costs, plans, and coverages to help you choose the right warranty provider for your home.
About Liberty Home Guard
Liberty Home Guard (LHG) is a home warranty provider known for its flexibility and customization. We offer three core plans: Appliance Guard, System Guard, and Total Home Guard, with competitive monthly pricing starting around $55 per month. Liberty Home Guard features an extensive list of more than 40 additional coverage options that allow homeowners to tailor their plan to their needs, including coverage for luxury appliances and specialty items.
While Liberty Home Guard offers nationwide coverage and 24/7 claims support, it’s important to note that coverage limits are lower than some competitors at $2,000 and may require a waiting period of up to 60 days before filing a claim. Service fees range from $50 to $125 or more, depending on plan and location.
Liberty Home Guard Pros and Cons
Strong Points:
- Over 40 add-on items available to customize your plan
- Competitive monthly rates
- Multi-year plan discounts
Cons:
- Lower coverage limits than some competitors
- Maximum waiting period is 60 days
- Additional charges may be high
Liberty Home Guard Alternatives
If you value high-end appliances or customization that you need coverage for, Liberty Home Guard is the perfect choice for your home warranty. However, coverage limits are lower than some competitors, so American Home Shield is a strong choice if you want to be sure your entire repair is covered.
Liberty Home Guard plans and prices
Liberty Home Guard offers standard system-only, appliance-only, and combo plans. Pricing is competitive, with basic system coverage starting at $55 per month and total home guard system and appliance coverage up to $65 per month. These home warranty prices average just over $43 per month, but are still within the competitive range.
LHG does not list specific service call rates, but they do list rates ranging from $50 to $125 or more, depending on the plan chosen. This fee may vary depending on your location and the cost of the service, so read your service contract to find out how much you pay per bill.
| Plan name | coverage | average cost | coverage cap |
|---|---|---|---|
| appliance guard | Washing machine, clothes dryer, kitchen refrigerator, microwave oven, dishwasher, garbage disposal, range/oven/cooktop, ceiling fan, ventilation fan, garage door opener | $54.99/month | $2,000/item* |
| system guard | Air conditioning, heating systems, ductwork, plumbing systems, electrical systems, water heaters | $59.99/month | $2,000/item* |
| total home guard | All about System Guard and Appliance Guard plans | $64.99/month | $2,000/item* |
Cost data for a 2,500 square foot home in Minneapolis, MN was collected on December 23, 2025. Plan costs may vary by location.
*Unless otherwise specified in your contract, coverage is limited to $2,000 per covered item. Plumbing and electrical charges are capped at $500 each.
Liberty Home Guard Discount
The easiest way to get discounts from Liberty Home Guard is to purchase a multi-year plan. If you sign up for a year, you get an extra month free, so if you choose the 3-year plan, you get 3 months free. This deal is available to any homeowner who is eligible for coverage.
LHG frequently runs promotions where you can save up to $250 off the first year of your home warranty, but we also offer discounts for American Legion members and multi-property purchase plans.
Liberty Home Guard Additional Coverage
What sets Liberty Home Guard apart from its competitors is its add-on coverage. The company offers more than 40 add-on items to further customize your plan, including coverage for commonly excluded luxury appliances.
Each add-on costs between $5 and $36 per month, and the most popular add-ons include roof leak protection, water softener, sump pump, and well pump coverage. Add-on costs can quickly add up, so make sure you only add what you need.
| additional items | average cost |
|---|---|
| casita guest unit | $35.99/month |
| central vacuum | $8.99/month |
| ejector pump | $14.99/month |
| Electronic equipment protection | $19.99/month |
| Equipment (lighting or plumbing) | $7.99/month |
| generator | $19.99/month |
| grinder pump | $14.99/month |
| Home maintenance (carpet cleaning, lock replacement, gutter cleaning, pest control, window cleaning, electric cleaning, air conditioning maintenance) | $9.99 each – $24.99/month |
| Ice maker (in the refrigerator) | $3.99/month |
| freestanding freezer | $14.99/month |
| instant water heater | $9.99/month |
| lawn sprinkler system | $9.99/month |
| Limited roof leakage | $11.99/month |
| Pool or spa equipment | $24.99/month |
| Professional Series Appliance | $4.99 each – $14.99/month |
| reverse osmosis water filter system | $14.99/month |
| freestanding freezer | $5.99/month |
| swamp cooler | $14.99/month |
| second refrigerator | $7.99/month |
| septic tank pump | $12.99/month |
| drain pump | $8.99/month |
| trash compactor | $7.49/month |
| TV installation | $14.99/month (up to 65 inches) or $19.99 (up to 85 inches) |
| water softener | $13.99/month |
| Water server water supply line | $4.99/month |
| wine cooler | $11.99/month |
| well pump | $12.99/month |
What does Liberty Home Guard cover?
Liberty Home Guard’s three home warranty plans cover systems, appliances, or both. These items are included in your basic home warranty plan.
- HVAC system: Ducted electric air conditioners, condensing units, mini-splits, electric window air conditioners, ducted and heating systems up to 5 tons.
- Piping system: Leaks or damage to water, drains or drains, toilets, showers, bathtubs, built-in tubs, clogged or clogged drains or sewer pipes.
- Electrical system: All mechanical and component parts of electrical systems.
- Water heater: All mechanical and component parts up to 75 gallons.
- Kitchen appliances: Kitchen refrigerator, microwave, dishwasher, garbage disposal, range/oven/cooktop.
- Laundry appliances: Washer and dryer for clothes.
- Other home appliances: Ceiling fans, exhaust fans, garage door openers
What Liberty Home Guard Doesn’t Cover
Home warranty plans under Liberty Home Guard cover breakdowns due to normal wear and tear, so you will not receive an approved claim if:
- Failure due to improper maintenance
- Rust, corrosion, pests
- Problems due to improper installation or modification by the homeowner or third party
- Commercial grade equipment and fixtures
- Cosmetic defects
- Repairing products with known defects or recalls
- Damage due to misuse
- Accidents, fires, natural disasters (lightning, earthquakes, etc.), water pressure issues
To qualify for coverage, Liberty Home Guard can request maintenance records, repair/installation records, purchase records, certificates, and home inspection reports. If these documents are not on hand, LHG reserves the right to deny your claim. That said, keep detailed records of your home’s systems and appliances to increase your chances of having your claim approved.
How to File a Claim with Liberty Home Guard
You can request service from Liberty Home Guard 24 hours a day, seven days a week. To file a claim, you must:
- Submit your claim: As soon as you notice a problem, please contact Liberty Home Guard’s Customer Service Center, log into the portal, or submit a claim using the mobile app.
- Please pay the service fee: Once you submit your claim, you will pay the service fees listed in your contract.
- Dispatched technician: Within 48 hours of your claim, Liberty Home Guard will schedule a technician to come to your home. In some cases, you may be able to select your own service professional, but you must obtain prior approval from LHG to receive a refund.
- System or appliance has been repaired: The technician will determine if repair or replacement is necessary. If the damage is covered by your home warranty, Liberty Home Guard will cover the cost.
Note: Liberty Home Guard requires a 30 to 60 day waiting period before a claim can be filed.
Liberty Home Guard Availability
Liberty Home Guard offers home warranty plans in every state in the United States. Please enter your postal code below to see what type of coverage you qualify for.
USA TODAY’s Liberty Home Guard review
USA TODAY’s editorial team uses an in-house methodology to rank home warranty providers like Liberty Home Guard. To create our list of the top 10 home warranty companies, we reviewed 20 of the nation’s largest providers using criteria such as plan options, coverage details, pricing, quality of service, customer satisfaction, and overall reliability.
Bottom line: Is Liberty Home Guard right for you?
If you want to be in control of which items in your home are covered under warranty, let Liberty Home Guard insure your home. In addition to basic coverage that covers your home core systems and appliances, you can build a plan that fits your needs with over 40 add-on options.
I also like that LHG offers coverage for high-end appliances. This is something you won’t find with any home warranty company. So if you have these items in your kitchen, LHG’s plan can save you thousands of dollars in repair costs.
FAQ
Is Liberty Home Guard a good home warranty?
Liberty Home Guard is a great home warranty company for homeowners who want customization. LHG offers standard warranties at competitive prices. Where Bt really shines is in its extra coverage for items not typically included in a home warranty, such as high-end appliances.
What is the waiting period for Liberty Home Guard?
The waiting period for Liberty Home Guard is 30 or 60 days, depending on your plan. Once the required period is over, you can start making a home warranty claim.
Which is better: Old Republic or Liberty Home Guard?
it depends. Liberty Home Guard has more customization options and add-ons, while Old Republic has higher coverage limits. If one of these factors is more important to you than the other, then that will be your choice of home warranty company.
