Liberty Home Guard is one of the higher-rated home warranty companies, according to the Better Business Bureau. With a Home Warranty Learning Center for its customers, truly customizable plans, and sign-up bonuses, Liberty Home Guard tries to cater to all homeowners looking for home warranty protection policies.
Liberty Home Guard Overview
- Plan types: Appliance Guard, Systems Guard, Total Home Guard
- Pricing: $1-$1.50 a day
- Service fees: Not disclosed
- Workmanship guarantee: 60-day guarantee
- Contract length: Month-to-month, annual or multiple years
- BBB rating (Letter): B+
- Home inspection required? No
- States served:
- Alabama, Alaska, Arizona, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Kansas, Louisiana, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia
- Available appliance and system coverage:
- Air Conditioning, Heating System, Ductwork, Plumbing, Electrical, Water Heater, Clothes Washer, Clothes Dryer, Kitchen Refrigerator, Built-in Microwave, Dishwasher, In-Sink Garbage Disposal, Range / Oven / Cooktop, Ceiling and Exhaust Fan, Garage Door Opener. Optional Add-Ons: Pool and/or Spa Equipment, Septic System Pumping, Well Pump, Sump Pump, Central Vacuum, Stand Alone Freezer, Second Refrigerator, Limited Roof Leak, Water Softener, Re-Key, Gutter Cleaning, Pest Control, Floor/ Carpet Cleaning
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Who is this best for?
Liberty Home Guard is a smart choice if you are a new home buyer. Usually, home inspectors only check to see if appliances and systems work, but don’t do any comprehensive testing. Because of this, new homeowners often find more problems with a house the longer they live in it.
Because Liberty protects any systems or appliances regardless of age, Liberty is also good for current homeowners.
Pros:
- Affordable pricing models: Pay what your budget can afford by choosing month-to-month, one full year, or even multiple years at once
- Customizable plans: With three available plans and additional add-ons available, each customer can truly customize his or her plan
- No required home inspection: It doesn’t matter how old your home’s systems or appliances are, liberty home guard will protect them without requiring a home inspection
- 60-day workmanship guaranteed: No matter what work you get done, it’s protected for 60 days— meaning if it fails, Liberty will send someone else out at no additional charge
- Cancel any time: If you decide you want to move on, you can cancel your home’s coverage at any time
Cons:
- Not available in all 50 states: Residents of Arkansas, California, Hawaii, Illinois, Indiana, Iowa, Kentucky, Massachusetts, New Hampshire, Oregon, Vermont, Washington, Wisconsin, Wyoming cannot use Liberty Home Guard
- There are some coverage limitations: some high-end appliances or systems may have a cost cap on the amount of work that can be done
The Competition
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*All information accurate as of Feb. 9, 2020.
Liberty Home Guard Compared to Cinch
Though Liberty Home Guard doesn’t serve as many states as Cinch, it does have better consumer ratings. This, coupled with the fact that you can customize your monthly plan, makes Liberty Home Guard a better choice for many homeowners.
Liberty Home Guard also runs sign up deals for new customers. For example, this past holiday season, new customers could get $100 off any plan in addition to one month free. With savings and solid customer satisfaction ratings, Liberty Home Guard pulls ahead for many homeowners. On the other hand, Cinch does offer a longer workmanship guarantee (180 days compared to 60), as well as incentives like a free water sensor to detect leaks.
One thing both companies have in common is that neither openly discusses service fees. This is because prices vary on location and plans. To get a more accurate idea of the true cost of both, homeowners and homebuyers will have to call and request more information.
Liberty Home Guard Compared to 2-10 Home Buyers Warranty
Like Cinch, 2-10 covers more states than Liberty Home Guard. However, like Cinch, it also has a lower customer satisfaction than Liberty. 2-10 sits at a 3.8 while Liberty Home Guard has a 4.4.
Liberty Home Guard also offers customizable plans. Members can choose to cover home appliances, home systems, a combination of the two, as well as provide coverage for optional add-ons. 2-10 does not currently offer any level of customization. It does offer three coverage plans, but doesn’t include the amount of coverage that Liberty Home Guard currently does.
2-10 also limits new construction homes. Though the company may offer coverage, it is not a guarantee, and so new homeowners will have to go through a lengthy process of 2-10 assessing their home for warranty coverage. This is quite different from Liberty Home Guard where it doesn’t matter how old your home is, you can still get coverage.
The Bottom Line
Liberty Home Guard offers truly customizable plans so members can protect what they need to. However, you’ll first need to check whether your state is covered and compare plans from competitors. You may be able to get a discount as well as a free month of coverage.
About the Authors
Lauren Ward is a personal finance writer who regularly covers consumer insurance products. Her work has appeared in a variety of online publications, including Bankrate and The Simple Dollar. She graduated from Georgetown University with a BA in Japanese.
