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Liberty Home Guard

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LAST UPDATED: May 24th, 2023

Liberty Home Guard (LHG) is rated the #1 home warranty company in America in the U.S. News and World Report, and provides home warranty protection starting at $1 a day. 

The company offers extensive claim reimbursement and it has pioneered programs that give you the choice to receive cash payouts or replacement upgrades. Additionally, LHG intensely vets all technicians to ensure they are fit to serve consumers efficiently.

Top Ranked Companies


The Good

  • Home Warranty Coverage
  • Money Back Guarantee
  • Choice of Cash Payout or Replacement Upgrade
  • Online Portal and Mobile App
  • Vetted Technicians
  • Liberty Home Guard Reviews

Home Warranty Coverage

Liberty Home Guard provides homeowners with a variety of home warranty plan options, covering a variety of home appliances and systems, and all starting at $1 a day. Here’s how each plan compares:

  Systems Guard Plan Appliance Guard Plan Total Home Guard Plan
Air conditioning  
Water heater  
Clothes washer/dryer  
Built-in microwave  
Garbage disposal  
Ceiling and exhaust fans  
Garage door opener  

In addition, LHG offers a variety of add-on coverage options that can be added to any plan. Compared to other companies, Liberty Home Guard offers a much wider array of add-on services, including some of the following:

  • Pool and spa
  • Lighting fixtures
  • Carpet cleaning
  • Swamp cooler
  • Refrigerator ice maker
  • Generator
  • Sump pump
  • Septic system pumping
  • Rekey service
  • Water softener
  • Ejector pump
  • Well pump
  • Stand alone freezer
  • Gutter cleaning
  • Central vacuum

If there is something specific that you'd like coverage for that isn't on the list, you can contact Liberty Home Guard to determine whether or not a specialty service can be offered.

Money Back Guarantee

If you aren't satisfied with your service, Liberty Home Guard has a 30-day money back guarantee. Beyond the guarantee, you will receive a prorated refund of your contract fee.

Choice of Cash Payout or Replacement Upgrade

Unlike most home warranty providers, Liberty Home Guard allows you to choose how you want to receive claim reimbursement. You can decide on a cash payout, or you can request a replacement upgrade. This means you always have the choice of whether or not you'd like to repair or replace a covered system or appliance. 

This type of flexibility with your home warranty company gives you more options and ensures you are satisfied with your claim reimbursement. Many people cannot confidently say they’re satisfied with a home warranty company's claim reimbursement offerings, so knowing that Liberty Home Guard has options can provide peace of mind to concerned homeowners. 

Online Portal and Mobile App

Liberty Home Guard has an online portal as well as a mobile app that allows you to access and manage your policy and file claims at any time. Having additional outlets to your policy negates the need for calling customer service and waiting on hold; you can have all of your policy information in front of you and file a claim in minutes.

Vetted Technicians

Liberty Home Guard only hires service providers it deems "LHG-Certified." This means all technicians are thoroughly vetted and go through Liberty Home Guard's proprietary interview process. Liberty Home Guard also has algorithms in its feedback and grading system that allows the company to see customer satisfaction and technician quality at all times. This makes certain you don't have to worry about inadequate technicians and poor service. 

Liberty Home Guard Reviews

On, 72 percent of Liberty Home Guard reviews are 4 or 5 stars. The majority of satisfied customers are quick to mention the following from their experience with LHG:

  • Reliable customer service
  • Quick claims service

It is worth noting that many reviews mention that when an appliance or system broke or needed repair, a technician was typically on location within hours of a claim being made. And if an appliance or system needed to be replaced, it was done without delay. Compared to other home warranty companies, LHG has some of the fastest claim response times in the industry.


The Bad

  • Not Available Nationwide

Not Available Nationwide

Liberty Home Guard operates in only 41 states. The company’s services are not available in the following nine states:

  • California
  • Hawaii
  • Illinois
  • Indiana
  • Iowa
  • Oregon
  • Washington
  • Wisconsin
  • Wyoming

If you reside in any of these states, you will need to look into other home warranty company options.


The Bottom Line

Liberty Home Guard is a quality home warranty company with lots to offer, including affordable pre-set warranty plans as well as customizable add-on options. 

The company prioritizes quality service by thoroughly vetting its technicians to ensure customer satisfaction. And Liberty Home Guard allows you to choose between different claim reimbursement options and gives you access to your policy through its mobile app as well as through its online website portal.

With positive Liberty Home Guard reviews, customers are clearly happy with the home warranty company and its services. With such high standards, we highly recommend considering Liberty Home Guard as your home warranty provider.

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322 Reviews

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P -AE Evans, GA

Seems good thus far. I don't like that I had to pay my $75 copay BEFORE the tech even came out. How was I to know if they would pay and perform the claim?

3 weeks ago

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Don Elliott Anniston, AL

I purchased a 10 year contract for $7000. 3 months after purchase I called to get my washer repaired. After some minor details and issues the repair request was completed. Aaron G from account service, brand management, successfully competed a suitable agreement

2 years ago Edited September 14, 2021

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Robert Damsey Spartanburg, SC

Spoke with Max very Knowledgeble about the problem I was having with the thermostat and explained in great detail why some days in extreme heat and humidity would continue to run until you shut it off manually. This is correct. Thermostat works well Thank him for his courteous reply

3 years ago

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Replaced defective appliances in accordance with company policy. Satisfied customer.

10 months ago Edited September 8, 2022


Review Source

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Sade b Oklahoma City, OK

Liberty home guard is my old home warranty. They are inexpensive and it kept my home protected. Customer service helped with setting up my warranty.

1 year ago

Liberty Home Guard Logo

Reply from Liberty Home Guard

Sade, thank you for the kind words and the high rating!

Apr. 14th, 2022

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Liberty Home Guard offered a good monthly premium so I decided to sign up with them.

3 years ago

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jameshmiller Yukon, OK

They have fulfilled all of my inquiries without hesitation..

2 years ago Edited September 14, 2021


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Ken Bacolod City, NEC

What I like about Liberty Home Guard is that they have less service fee compared to others.

1 year ago Edited December 20, 2021

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Reply from Liberty Home Guard

Ken, thank you for the kind words and the high rating!

Apr. 14th, 2022

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Kenneth V Allen Hyattsville, MD

Purchased a policy and Liberty, agent was quite helpful.

2 years ago