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A house guaranty could be a cost-effective option to deal with your own home's home equipment and methods. This kind of carrier contract can quilt the price of repairing or changing primary household items and cut back your out-of-pocket bills.
Liberty House Guard (LHG) stands proud for providing aggressive house guaranty plans plus not obligatory protection for over 40 other house home equipment and methods, together with hardly ever coated pieces and upkeep services and products reminiscent of garden sprinkler methods, visitor gadgets and pest keep watch over.
Beneath is our in-depth evaluate of Liberty House Guard, certainly one of our choices for the highest house guaranty corporations. We come with details about its plans and protection, not obligatory add-ons, protection limits, availability and not unusual buyer lawsuits.
Desk of Contents
Liberty House Guard Evaluation
Liberty House Guard is a New York-based house guaranty corporate running in all 50 states and the District of Columbia. Its plan pricing is on par with maximum house guaranty corporations, however it will probably get more expensive in case you go for lots of the add-ons it gives.
- Gives a big collection of not obligatory add-ons
- Technicians are "LHG" qualified and are totally vetted to perform at the platform
- 60-day workmanship ensure
- Does not quilt maximum equipment equipment like racks or cabinets
- Doesn’t quilt business apparatus or luxurious manufacturers.
Liberty House Guard Services and products
Liberty House Guard plans and protection
Liberty House Guard gives 3 other protection plans:
- Programs Guard plan
- Equipment Guard plan
- Overall House Guard plan
The primary two plans be offering protection just for methods and home equipment, respectively, while Overall House Guard covers each.
You'll be able to make a choice to pay every year or per month for all 3 plans, however consumers who go for an annual club get two months without spending a dime, which means you pay for 10 months as an alternative of 12.
Liberty House Guard allows you to make a choice your personal carrier contractor with earlier authorization, a perk few house guaranty corporations be offering. Liberty additionally has a big community of approved contractors it will probably dispatch for carrier requests.
Liberty has a set carrier name charge of $90 in keeping with declare and caps payouts at $2,000 in keeping with coated merchandise.
The corporate doesn’t require inspections of your own home methods or home equipment to be eligible for protection. Additionally, it'll quilt your home equipment and methods irrespective of their age.
Liberty House Guard house guaranty plans come with protection for the next pieces:
Equipment Guard
(Begins at round $59.99/mo*)
Programs Guard
(Begins at round $64.99/mo*)
Overall House Guard
(Begins at round $69.99/mo*)
Non-compulsory add-ons
Liberty House Guard is among the few house guaranty corporations that supply protection for over 40 add-ons, together with:
- Pool & spa
- Septic formulation pumping
- Sump pump
- Neatly pump
- Central vacuum
- Further spa
- Lighting
- Restricted roof leaks
- Re-key
- Gutter cleansing
- Pest keep watch over
- Carpet cleansing
- Trash compactor
- TV mounting
- Electronics
- Window washing
- Energy washing
- Casita visitor unit
- Scorching water dispenser
- Stand by myself freezer
- Ice maker
- Wine cooler
- Ejector pump
- Plumbing fixtures
- Osmosis water filter out formulation
Every of those add-ons comes with a charge starting from $3.99 to $24.99 a month.
Protection limits
Protection limits are the utmost quantity the house guaranty corporate can pay out if a coated equipment or formulation is wanting maintenance or alternative or if there’s a malfunction prognosis. Those limits range from corporate to corporate.
In line with the Liberty House Guard pattern contract, the corporate covers a most of $2,000 in keeping with coated merchandise and $500 for added not obligatory pieces. Protection limits are reset annually, if you renew your own home guaranty.
Those are different protection caps Liberty House Guard contains:
Restore, alternative or prognosis of maximum coated pieces
Pool and/or spa apparatus
What Liberty House Guard doesn’t quilt
Liberty House Guard does not quilt harm because of flawed set up, negligence, loss of repairs or a herbal crisis. The corporate doesn’t quilt any recognized or unknown pre-existing stipulations, both.
As well as, Liberty House Guard doesn’t quilt the next occasions or pieces:
- Luxurious home equipment from manufacturers reminiscent of L. a. Cornue, Lacanche. KitchenAid, THG Paris, amongst others.
- Flue chimneys, vents and exhaust strains
- Sensible, internet-enabled, automated or digital parts
- Lighting fixtures, together with lighting, fixtures, lamps and bulbs.
- Solar energy methods and home equipment
- Disposal of home equipment, methods or parts
- Glass portions or parts
- Racks, cabinets, handles, knobs, hinges, doorways and door gaskets
LHG solely covers home equipment or methods subjected to customary put on and tear. In case you are undecided about what voids a house guaranty, touch a Liberty House Guard consultant or evaluate the corporate’s pattern contract for extra main points.
Liberty House Guard Availability
State availability
Liberty House Guard is approved and operational in all 50 states, together with Hawaii and Alaska, in addition to Washington, D.C.
Touch Knowledge
Liberty House Guard’s customer support is to be had 24 hours an afternoon, seven days every week.
To request carrier, you'll be able to name LHG at (866) 396-5837 or log into your Liberty House Guard portal to publish a request. After paying your carrier charge, you’ll be contacted by way of a neighborhood contractor to arrange an appointment.
You'll be able to additionally touch customer support by way of telephone at (866)-698-7271, by way of e mail at carrier@libertyhomeguard.com or reside chat at the corporate’s site.
Person Revel in
Liberty House Guard’s site is intuitive and simple to navigate. Details about its plans, protection and add-ons is instantly to be had, together with specifics about portions and parts that are not coated for every formulation or equipment.
New consumers can request a quote and buy a house guaranty plan utterly on-line. Present consumers have get entry to to the Liberty House Guard app and the net buyer portal, which let you:
- Report a declare, and examine the declare standing and historical past
- View, renew, or improve your coverage
- View your cost historical past and replace your cost data
- Get entry to your account abstract
Liberty House Guard allows you to cancel your coverage at any time, on the other hand, it fees a $50 cancellation charge while you do.
In contrast to many different house guaranty suppliers, Liberty House Guard doesn’t be offering an preliminary 30-day length to cancel with out fees, which means that the cancellation charge applies despite the fact that you cancel throughout the first 30 days of signing your contract. On the other hand, LHG gives a complete refund minus any claims paid (and the cancellation charge) in case you cancel your coverage throughout the first 30 days. For those who cancel after this era, a prorated refund is to be had.
Liberty House Guard Credentials
Regulatory or Prison Movements
As of this writing, we discovered a case filed towards Liberty House Guard in February 2020 in regards to the Phone Client Coverage Act (TCPA). In line with the grievance, Liberty House Guard initiated robocalls and texts to private cellphones, even supposing customers have been at the Nationwide Do No longer Name Registry.
We additionally discovered some other case towards Liberty House Guard in regards to the TCPA from March 2023.
Even though we at all times attempt to come with the most recent and maximum correct data on regulatory and felony movements, we don’t declare this data is whole or totally up-to-the-minute. As at all times, we advise you do your personal analysis as neatly.
Liberty House Guard Buyer Delight
3rd Birthday party Scores
- Higher Trade Bureau (BBB): 4.53 out of five moderate in line with 2,505 buyer critiques.
Buyer lawsuits
The Liberty House Guard moderate buyer ranking at the BBB is relatively top in comparison to different house guaranty corporations. Even though LHG isn’t recently authorised by way of the BBB, it has an A ranking, which is the second-highest ranking the BBB assigns to companies.
The corporate has certain buyer comments on quite a lot of ranking internet sites. Some continual buyer lawsuits regard problems with:
- Long claims processing
- Incapacity to agenda a discuss with with contractors and technicians after creating a declare
- Confusion about what is roofed as opposed to what isn't coated
- Consistent runaround when consumers have lawsuits or issues of carrier calls
The analysis above is in line with information that was once to be had on the time of e-newsletter.
Liberty House Guard Comparability
Like Liberty House Guard, there are different house guaranty corporations that supply inexpensive pricing and complete protection.
Right here’s how Liberty House Guard compares to 2 different primary house guaranty corporations: American House Defend and Selection House Guaranty.
Liberty House Guard vs. American House Defend
In comparison to Liberty House Guard, American House Defend stands proud for its upper protection caps for HVAC methods and home equipment, even though its plans are much less customizable as a result of they provide fewer.
American House Defend gives 3 tiered plans: ShieldSilver, ShieldGold and ShieldPlatinum, which quilt a mix of methods and home equipment. In contrast to Liberty House Guard, it doesn’t be offering formulation or appliance-only plans.
American House Defend covers as much as $5,000 for air con and heating methods irrespective of the plan you select, and as much as $4,000 in keeping with coated equipment for patrons enrolled in its top rate plan, ShieldPlatinum.
On the other hand, American House Defend’s lower-tiered plans, ShieldSilver and ShieldGold, have a most protection cap of $2,000, the similar as what Liberty House Guard gives for restore, alternative or prognosis of maximum coated pieces.
Carrier name charge
(or deductible)
Learn the total American House Defend evaluate
Liberty House Guard vs. Selection House Guaranty
Considered one of Selection House Guaranty's major benefits is its affordability. The corporate options two plans — Fundamental Plan and Overall Plan — with costs starting from round $46 to $55 a month.
Selection House Guaranty’s plans quilt a mixture of each house methods and home equipment. In contrast to Liberty House Guard, it doesn’t be offering system- or appliance-only plans. As an alternative, Selection’s Fundamental Plan covers all primary home equipment and residential methods, aside from for air con, fridges, garments dryers and washers which might be a part of the Overall Plan.
Selection’s not obligatory protection is restricted in comparison to the greater than 40 add-ons Liberty House Guard allows you to come with in your house guaranty plan. On the other hand, Selection allows you to upload protection for roof leaks and common household items, reminiscent of swimming pools, standalone freezers and sump pumps.
Selection House Guaranty isn’t authorised with the BBB and, consistent with its profile, the corporate recently has a pending executive motion from the Arizona Legal professional Common for alleged client fraud, together with claims of constructing false guarantees.
Carrier name charge
(or deductible)
Learn the total Selection House Guaranty evaluate
Discover different house guaranty choices
Take a look at our critiques for different house guaranty corporations you'll be able to imagine:
Liberty House Guard FAQ
What's Liberty House Guard?
Liberty House Guard is a house guaranty supplier that covers home equipment and methods in case of breakdown or failure.
Is Liberty House Guard Any Excellent?
What does Liberty House Guard Quilt?
Liberty House Guard gives 3 house guaranty plans that quilt maintenance or alternative of primary household items, reminiscent of kitchen home equipment and HVAC methods. The corporate has systems-only and appliance-only plans, and a complete plan that covers each. As well as, Liberty House Guard gives protection for over 40 add-ons, together with ejector pumps, electronics, visitor gadgets and water filter out methods.
How a lot is the carrier name charge for Liberty House Guard?
Liberty House Guard fees a $90 carrier charge in keeping with declare. The carrier name charge is the deductible you pay each time you request a house guaranty carrier.
What's the reaction time for Liberty House Guard?
Liberty House Guard claims it has a reaction time of 48 hours, neatly throughout the business usual. Reaction time is the period of time a house guaranty corporate would possibly take to procedure your claims and dispatch a carrier technician. This time is most often upper all over weekends and vacations.
How We Evaluated Liberty House Guard
We evaluated Liberty House Guard in line with the next elements:
- Services and products introduced: We regarded into the corporate’s protection, plans, and barriers and when compared them to competition.
- Price: We when compared pricing and protection choices to resolve the cost-effectiveness of Liberty House Guard’s plans.
- Availability: We most popular corporations with national protection or that carrier no less than 30 states.
- Prison movements: We checked whether or not there have been any felony or regulatory movements towards Liberty House Guard.
- Customer support: We regarded into pleasure rankings and on-line buyer critiques to get a greater figuring out of consumers' reviews.
Abstract of Cash’s Liberty House Guard Assessment
Liberty House Guard gives other house guaranty plans to your price range, and likewise has a big collection of add-ons for much more custom designed protection.
Upload-ons come with hardly ever coated pieces reminiscent of electronics, garden sprinkler methods, saltwater swimming pools, turbines and visitor gadgets. It additionally allows you to upload house repairs services and products for your coverage, reminiscent of pest keep watch over, carpet cleansing and gutter cleansing.
The corporate is to be had in all 50 states. Whilst now not recently authorised by way of the BBB, Liberty House Guard has an “A” ranking and relatively certain critiques. Shoppers can arrange their accounts and request services and products in the course of the on-line buyer portal, the Liberty House Guard app or over the telephone. You'll be able to additionally request a loose quote on-line and have a look at the pattern carrier contract.
As at all times, we advise you do your personal analysis and evaluate it with different house guaranty corporations earlier than deciding whether or not Liberty House Guard gives the protection you want.