Liberty Home Guard

I strongly advise against purchasing a home warranty from Liberty Home Guard (LHG). LHG failed to provide meaningful support when my furnace broke during the winter. The claim process with Liberty Home Guard was unnecessarily difficult and frustrating. Despite paying them $754.99 ($629.99 for the warranty and $125 for their technician to diagnose the issue), LHG used the fine print in their terms & conditions to justify offering either $1,000 toward one of the lowest-quality HVAC systems as a replacement for my top-of-the-line unit or a mere $200 if I sourced my own provider and unit. They cited a lack of maintenance records-something I, as a recent homeowner, could not obtain from the previous owners -effectively penalizing me for something entirely out of my control. This requirement is not only impractical for new homeowners but appears designed to exploit a contractual loophole to avoid fully paying legitimate claims. While their agreement explicitly allows for reimbursement at their discretion, LHG refused to honor their $2,000 coverage limit, relying on technicalities to minimize payouts. This leaves customers the financial burden for critical home repairs.
New homeowners beware: make sure you read the fine print in their contract & have maintenance records for all covered items, or you risk being denied meaningful support.
After the denial of increasing my reimbursement, I left a negative review, which prompted LHG to call me & offer an "elevated refund" -but only if I signed a settlement and release agreement. This behavior demonstrates their prioritization of silencing dissatisfied customers over providing the service they promise.
LHG promotes itself as a customer-focused company with comprehensive coverage, but my experience has been the exact opposite. Their business practices are misleading and exploitative, prioritizing profit over customer well-being.

If you are considering purchasing a home warranty, be cautious of Liberty Home Guard (LHG), which takes your money but does not uphold its contract. Our experience with LHG has been incredibly frustrating, filled with broken promises, incompetent service providers, and a total disregard for customer satisfaction.

When we recently requested a repair for a malfunctioning appliance, LHG charged the required service fee but never sent a technician to assess the issue. Instead of fulfilling their contractual obligation to repair or replace the appliance, they simply claimed it was not covered—a convenient excuse not supported by our agreement's actual terms.

This isn't the first time we've encountered issues with LHG. When technicians did come out in the past, they often seemed inexperienced, unqualified, or unable to actually fix the problem. We've experienced this multiple times with electricians who either misdiagnosed the issue or simply didn't have the expertise to complete the repairs. This pattern strongly suggests that the company contracts with low-quality service providers rather than professionals who can reliably handle home repairs.

When the LHG determined it would not repair our appliance, it offered a mere 1/10 of the actual replacement cost—an insulting amount that didn't come close to covering the cost of a new appliance or installation. Rather than providing the service we paid for, LHG chose the cheapest option possible, leaving homeowners to cover the expense.

Ultimately, this company appears to operate in bad faith. It fails to send qualified technicians and uses delays, denials, and lowball payouts to avoid honoring its warranty. If you're considering a home warranty, I strongly urge you to read reviews, research complaints, and think twice before trusting a company that prioritizes profit over customer service. We regret placing our trust in this company.

Verdict: Avoid at all costs. A home warranty should provide peace of mind—not additional stress and out-of-pocket expenses for repairs that should have been covered.

I canceled my account 7 months ago after I realized they were a scam. When sold the policy they claimed that if my appliance could not be repaired then it would be replaced with either the exact model I have or a comparable model regardless of my current appliance's age. THIS WAS A LIE. DO NOT fall for these sales tactics. Buried deep into their Terms and Conditions they have ways to get out of covering your items. READ section H 10 Limits of Liability where it states your item will only be covered on the "book value" aka if it is old you will get next to nothing. NOT what they claimed when they sold me the plan.

In addition to this I filed a claim with the better business bureau, this site, and canceled my account. I filled out their cancelation form and also spoke to Freddy Smith a Senior Manager about why I was displeased and wanted to cancel. For 5 months after taking all of these steps my account was not charged... hence in my mind canceled. Then on July 1 (5 months later) I was randomly charged by this company several hundred dollars. 5 months after I filed a claim with the Better Business Bureau. When I called they claimed "they were not sure if I really wanted to cancel". I am pretty sure someone that files complaints, fills out their cancelation form, talks to Senior Management about why I want to cancel, and writes dissatisfaction reviews "really want to cancel". Do not buy a policy from this dishonest company. If you do have one and cancel make sure you remove any forms of payment on file because they will STEAL your money.

This home insurance has gone down the hill. Today the charged my credit card for a policy that was inactive. A month ago I placed my first claim about a refrigerator. The technician was dispatched promptly and assessed that the refrigerator needed to be replaced. I purchased this policy because LHG states in the contract that either repair or replace covered appliances. Well this is NOT TRUE. They offered a minimal, insignificant contribution towards replacement that will not cover even half of the cost.
It is my opinion that this business engages in FRAUDULENT activity. Once you place your credit card on their website they will charge it, offering NO explanation. I was charged today 130$ I do not know why, and the charge does not even appear in their website. It is hidden.
ABSOLUTELY STAY AWAY from this insurance company.

So I've had Liberty Home Guard for a little over a year now. What I can say is that my experience with them has been anything but pleasant. First, I pat $55 a month for their "service". During the summer my HVAC system stopped working, to file a claim they charge $85 and if your "covered" appliance or whatever happens to be old by their standards, they'll offer to replace it but you have to pay for the entire thing, they'll cover a small amount of the cost. My HVAC system was replaced with a new one after I paid $1896. Here it is seven months later and my HVAC system has stopped working. These people tried to accuse me of tampering with it, and charged me $85 to send someone to do a diagnostics on it. That was two days ago and I have not heard or seen this technician. It's the middle of winter on top of that. This place is a scam, if you go with them, beware. I'm cutting ties with them.

RUN and HIDE. They dragged my claim for 2 weeks just to tell me they're denying it and offering me $100 when the service call was $85. So I've had no washer for my family of 6 for 2 weeks and they offer me a $15 rebate. They lie about everything, customer service is like talking to the wall. They all say the same scripted thing and get you no where. No supervisors work there to handle issues. VERY FRUSTRATING experience and will never use them again. They pick and choose which claims to cover depending on the costs, they are super shady from New York. Use Fidelity or First American.

I signed up with Liberty Home Guard and paid for about 7 months without ever using their service. Now, my washing machine is broken, and I've made a claim. After paying a $125.00 claim fee, they informed me that they will only cover the cost of parts. The $250.00 labor installation fee is to be paid out of my pocket. I pointed out to them that for the total amount, I could have my machine fixed directly at the repair shop, quickly, and without having to go without a washing machine for 2-3 weeks. They replied that this policy is outlined in their terms, and they do not cover labor installation costs at all, only parts. As a long-time homeowner who has dealt with different home warranty companies before, this is the only company that covers just parts. I asked them how I can leave a review on their website, and they said to please send it via email. DO NOT TRUST REVIEWS ON THEIR WEBSITE.

It is a week and counting since my furnace went out, and a tech came out to assess the situation. Before he left, he said good luck with this claim. I asked him to expound on his statement. He said if this was American Home Shield, American First, or Fidelity he would leave my house and go to the local parts dealer, replace the fan, and bill the warranty company. He said LHG makes the contractors jump through a bunch of hoops, and the service never gets done. He said they are hoping to outlast your frustrations. Today is Wednesday and I left work early last Wednesday to meet the service tech for the initial eval. My family has literally been sitting in a sub-freezing house for a week, and I have called LHG daily for a status update. Same story every time. You have been warned, this company is truly fraudulent!

Liberty Home Guard is a scam. First you pay monthly, or in my case, in full. Then they charge $75 for every item on your claim. Next a tech goes to diagnose the issue. Once issue is addressed, tech informs LHG. Liberty gets necessary part but holds it hostage until you pay LHG for the cost of labor to fix your appliance. LHG states they'll cover the cost of the replacement part but they will NOT cover the cost of labor which in my case was over $300. Now if the tech misdiagnosed the issue, and it turns out it's something different. The client once again has to pay LHG for another cost of labor for the tech to go back out to your house. AVOID LIBERTY HOME GUARD!

They don't fix or replace anything. They tell you they're gonna mail you a check then the person that you spoke with magically does not work there anymore. This company is a fraud