Liberty Home Guard
- Plans Starting at $1/day with no commitment
- 24/7 Claims Support with Dedicated Account Management
- Licensed & Registered by State Regulators to Operate Legally
- Customer Portal For 24/7 Management of Your Account
- Comprehensive, Fully Customizable Coverage Options
Liberty Home Guard is a New York City-based direct seller, offering home insurance quotes sponsored by Progressive. LHG offers inexpensive policies that are systems-focused, appliance-focused, or all-inclusive and works with a network of independent, licensed contractors in 48 US states including Washington D.C. Liberty Home Guard is the BBB's only A+ accredited home warranty company, and its board boasts over 100 years of combined experience in the home services business.
Coverage
LHG offers customers three primary types of coverage plans: Appliance Guard, Systems Guard, and Total Home Guard. They will also provide completely customizable coverage upon request. With an in-house underwriting team, the company can add or subtract coverage items to tailor the policy to cover their customers' specific wants and needs. For example, if you don't have a microwave in the home, or you have two refrigerators, they can make all the necessary changes to get you the coverage you require.
Add-ons include items such as pools and spas, sump pumps, central vacuums, well pumps, septic system pumping, stand-alone freezers, re-keying services, gutter cleaning services, and secondary refrigerators.
Pricing
Plans start at less than a dollar a day, and Liberty Home Guard offers discounts for multi-year policies. Their service call fees range from $60 to $125, depending on the plan. And if you're not satisfied, they offer a full money-back guarantee within the first 30 days.
Claims and Services
Customers must wait 30 days after enrolling before submitting support claims. However, Liberty Home Guard will manage any issue for its customers, even on day one of enrollment. Project management entitles users to Liberty Home Guard's wholesale discounts on parts, appliances, and labor, and it enables users to have Liberty source their in-network technicians to perform repairs. Also, if a customer has an existing policy with coverage expiring in less than 30 days from the purchase date, Liberty Home Guard will expedite the start date of coverage to overlap with prior coverage.
All service provided by said contractors has a 60-day workmanship guarantee. If the same malfunction happens within that timeframe, customers can file a claim in order to repair or replace the damaged item.
Reputation
Liberty Home Guard stands out for being the BBB's only A+ accredited home warranty company, which speaks volumes about their customer satisfaction and overall company reputation.
Although Liberty Home Guard is not an NHSCA member, the company is currently in the process of acquiring its membership with the association. The company is fully licensed, and pays service providers for same-day diagnoses, ensuring customers receive the fastest response times and high levels of service.
The company earns 4.3 out of 5 stars on Trustpilot, which is pretty impressive. Home warranty companies don't often fare that well on consumer review sites.
