Where Can You Find the Best Home Warranty? Being prepared for unexpected expenses is part of homeownership. Whether you're a landlord looking to reduce operating costs, a homeowner trying to sell your property, or just a regular homeowner who wants to be protected against surprise repairs, having a good home warranty can be a lifesaver. A home warranty is a type of insurance, separate from your home insurance, that covers the cost of repairs or replacements for major systems and appliances in your home.
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Liberty Home Guard is a company that has been in business for just six years, providing home protection against common appliance and system breakdowns. Its plans cover all the appliances and systems in your home, including refrigerators, washers, dryers, furnaces, air conditioning, and more. Liberty Home Guard has a network of highly qualified technicians who have been thoroughly vetted to meet their standards. Liberty Home Guard promises that their technicians can fix a malfunctioning item on the first visit.
Three plans for partial or full home coverage
When we filled out the form at Liberty Home Guard, we were offered three different plans. The plans are separated into types of coverage to make it easier to decide what you want. The lowest tier is the Appliance Guard plan which includes just your appliances like washer and dryer, refrigerator, microwave, dishwashers, ranges, ceiling fans, and garage door openers. The middle tier covers the other side of your home. The Systems Guard plan offers coverage for air conditioning, heating, ducts, plumbing, electrical, and water heaters. Finally, Liberty Home Guard offers the Total Home Guard which combines all of the features of Appliance Guard and Systems Guard into one complete plan.
Pricing from $49.99 to $59.99 per month
The prices for the plans are based on your individual home and your location. For our area, the prices for the three tiers were $49.99 for Appliance Guard, $54.99 for Systems Guard, and $59.99 for Total Home Guard. These are all monthly payment prices, and surprisingly low for the Total Home Guard coverage. While there were no specific numbers for service fees mentioned during checkout, the website stated that the fees could range between $50 to $125 or more.
Add-ons from $4.99 to $23.99 per month
One of the features we loved about Liberty Home Guard was that during the add-ons section of the purchase, you are shown 35 different add-ons for your home coverage. While this may seem like a lot of options, Liberty Home Guard simplifies it for you by showing which extras are most relevant for your area. For example, Liberty Home Guard suggested saltwater pool and roof leak coverage for our area, which is accurate to local concerns. The prices range from $4.99 to $23.99 per month.
60-day workmanship guarantee
When you work with a Liberty Home Guard Certified Professional, you can expect to save the most money and receive top-notch work. The Liberty Home Guard contractors are licensed professionals who have been vetted, and their work is backed by a 60-day workmanship guarantee. This means that if you're not satisfied with the quality of the work, you can rely on Liberty Home Guard to make it right within 60 days of completion.
Concerning pattern of complaints
Sadly, despite the workmanship guarantee and total coverage options, Liberty Home Guard doesn't hold up in the reputation department. According to the Better Business Bureau, Liberty Home Guard is listed as "Not Rated". On top of this, there is an alert on the BBB due to Liberty Home Guard's pattern of having complaints. Specifically, customers report paying for services upfront and waiting long periods for technicians to arrive. Further, claims are said to take an unusually long amount of time, creating lengthy periods of unsolved home problems. These complaints are reflected on other third-party review sites also. For example, ConsumerAffairs shows a 2.9-star average rating with over 50% of all reviews being a concerning 1 star.
Not worth the long wait times
While the total coverage plan might seem like a great option, Liberty Home Guard's reputation indicates otherwise. While it may still be worth it to get a quote from this company, we suggest caution before committing. If you're looking for a service that will solve your problems quickly, Liberty Home Guard won't be the one. With lengthy claims and issues with technicians, it might be better to check out one of our higher-rated services instead.
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Being prepared for unexpected expenses is part of homeownership. Whether you're a landlord looking to reduce operating costs, a homeowner trying to sell your property, or just a regular homeowner who wants to be protected against surprise repairs, having a good home warranty can be a lifesaver. A home warranty is a type of insurance, separate from your home insurance, that covers the cost of repairs or replacements for major systems and appliances in your home.
By choosing the right plan, you can avoid the financial burden of costly repairs so that your home remains safe and functional. Home warranty plans typically offer different levels for different home concerns and budgets. Basic coverage might include protection for appliances and systems like HVAC, plumbing, and electrical systems.
Premium plans, on the other hand, might cover more extensive components like electronics, septic systems, and pools and spas. Some providers offer add-on services for extra fees, such as coverage for sump pumps or water softeners.
When selecting a home warranty provider, you'll want to read the fine print and understand what's covered and what's not. Most policies have limits, exclusions, and caps on the amount they'll pay out over the contract's life. For example, some policies might only cover appliances up to a certain age or value. Others might exclude certain types of damage or wear and tear. Be sure to ask about these details before signing up. It's also important to note that most policies have a 30-day waiting period before coverage takes effect. So, if you need to make a claim soon after purchasing the policy, you'll have to wait a month before it kicks in.
During the waiting period, many providers offer a money-back guarantee. This allows you to cancel your policy if you're unsatisfied with the coverage or if you discover something you didn't expect. Another important consideration is the trade call service fee, which is similar to a copay on medical insurance or a deductible on car insurance. This fee can vary depending on the provider and may apply per service call or per repair. Be aware that you could be charged multiple fees for a single repair if different tradespeople are needed to fix the issue.
While it's great that there are a lot of companies to consider for your home warranty, sifting through them all can be stressful. To help you avoid getting overwhelmed by the numerous plans and companies, we've put together some helpful criteria to guide you through your vetting process:
To help keep your home safe from any eventuality, Top Consumer Reviews has reviewed and ranked the most popular home warranty providers out there today. We hope this information helps keep your home and appliances operating safely, and gives you a little extra financial peace of mind!
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