Liberty Home Guard

Well, that's what I just learned, and they even showed me the line in the policy it says it. I mean if ever there was a fraud, this would be it.

CAUTION: This company does not want you to read H10 Limits OF LIABILITY of their terms and conditions. They mislead and lie to people stating they "cover" all appliances up to $2000 and it is a lie. What they will not tell you when signing up for a policy is that they only credit you the current book value of your item so if your item is several years old and it is worth next to nothing then that is exactly what you will get from them towards a new appliance... nothing. I paid $80 for a claim fee that included a contractor coming out to see what was wrong with my dishwasher... he never came out at all and just concluded what was wrong with it from texting me lol. He also said parts were no longer available and I looked up parts myself and found a dozen distributors that sold parts to my model. Another lie. In the end I bought the part and fixed it myself for $40. They were going to charge me in addition to the $80... $240 more dollars for a replacement dishwasher... oh... and if you need them to install it... guess what, another $299 for that. They mislead you and then "cover" nothing. DO NOT GET A POLICY FROM THESE CROOKS.

I start by saying I would much have preferred the full replacement of my unit, however, I encountered Elizabeth who was very pleasant, helpful and went above and beyond to provide as much support with my leaking water heater. She has a calmness about her that's well appreciated in these stressful times!

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.

We were gifted this warranty from our relator and were excited to have coverage on our new home. I wish I would have known what an absolute scam this company is. We have made 2 very basic claims. One was our fridge but apparently Kitchen Aid is too "high end" and they don't cover anything related to the ice machine along with a laundry list of other things (what is the point of coverage then?). We thought ok, well we have other appliances. Wrong. The second was our water heater and the technician they sent out, that was 1.9 stars may I add, was all of 18 years old. He lied to us in person saying it was not leaking and then left in his notes to the LHG that it was leaking because they don't cover leaks. We got a second opinion and it is NOT LEAKING. So now we are out service fees, time, and are still working with a broken fridge/water heater even though we have insurance on them. I would also add that the employees, literally every one that we talked to, have been very kind when we submit the claim and some of the most disrespectful once it's declined. It is intentional to get more money from you. Shocked I was stupid enough to do it twice. Do not waste your money. I really hope this reaches those considering using LHG because we are honest people that simply wanted to use insurance that our realtor gifted us! Lastly, we have used companies like Xcel Energy and Centerpoint on previous homes and had such a positive experience. It can be a bit pricier but I promise it at least pays for itself whereas when you use Liberty Home Guard you're pouring your money down the drain when you're already likely in the dumps with appliances falling apart. Do better LHG!

I had a scammer from this company constantly call me. When he finally got me on the phone (while driving mind you), he continually battled me after refusing offers down to the lowest possible payment to get hold of my debit card number. He included more than one home on the plan and by the end of that business day I had five separate charges on my debit card from this company that were unauthorized. I was overdrawn in my account by $700 that day because of their theft, and was given the runaround and told they could not immediately reverse the charges for the theft! With my bank on the phone recording them, they stated they had "returned the money" already that day. The next day they still had not cancelled the pending debit it was still taken out of my account. The bank said have they been telling the truth did they prior that would never have happened. Once I reached the breaking point in advocacy I was screamed at on the phone by a so called upper management person. Zero integrity, zero accountability, zero empathy. Run from this company and look into their criminal background.

They will send you someone 5 days later that is likely a drug addict. The drug addict they sent me could not fix the toilet they were sent to fix and then broke the other toilet in my house.

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.

I filed a claim for my hot water heater on October 7th. This company takes between 1-3 business days to make EVERY single decision. EACH STEP. I was assigned a technician the 9th. I was unable to reach the assigned tech. I was assigned a new tech, but he was a plumber and said I needed an electrician. I was charged a second fee of $80 to start a whole new claim (even though I clearly stated that I didn't have ANY idea what the issue was). The new tech was scheduled to show but never came. A guy showed up to diagnosis the problems and I'm STILL waiting for any resolution. I have paid $160 and waited 3 weeks. It is now October 26th. This company is horrible. Use UHP instead. Wish I had...

Stay away. I've been ignored. I've been lied to. These guys like to collect premium but not pay out. What a rude bunch of alleged customer service reps.

Unfortunately, have to report the same terrible LHG service. I thought because they were based in midwest US they'd be OK. They are terrible.

Had a fridge go out. Technician did nothing to repair just looked at it for < 5 minutes and reported it was the sealed system. Guess what LHG doesn't cover? Sealed system. (That's literally the 'fridge' part of your refrigerator). Offered measly $150 cash towards their new recommended fridges. But I'd already paid $90 for their service call...

Had our dishwasher go on the fritz. Tech says its a control board. Days go by and eventually LHG says it's 6 years old out of 10yrs and not worth repairing. They want to give me $250 towards a new one and recommend Frigidaire crap models I can purchase towards.

Like others say: they don't get wholesale pricing on anything. It's the same price as if you bought from Home Depot or Lowes.

I've had two legit claims and literally nothing has been covered. I can't find anything in the policy saying this is how they operate (prorating your device). I may just do a chargeback on my fees to contest with the CC company. Not sure yet.

https://www.reddit.com/r/homeowners/comments/13wol58/do_not_use_liberty_home_guard/

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 has figured out a loophole on every appliance to avoid paying for the repair.
From a leaking water heater to a oven thermostat, they know the most common repairs for each appliance, so they can avoid paying for the repair or replacement.
They are not worth paying for. Go buy a lottery ticket to pay for your repairs. You have a better chance of getting paid.

I am not a happy customer. The quality of customer service and follow-up is terrible. My warranty covers my air condition; however, they want me to make a payment of 5000 and Liberty Home Guard make a contribution of 1,102 dollars in order for the repairs to be fixed. This is not a warranty, it is a gimmick! How convenient! Liberty claims to be number one in quality service, however their customer satisfaction in my experience is poor quality. Quality service is meeting and exceeding customer's expectations.

Liberty has not met my expectations or exceeded my expectations. In my view, they take advantage of the consumer. The service is terrible. I am a paying customer and have been a long-time customer and the one time I call I get the runaround and no assistance. Liberty I hope you don't treat all your customers like this. IF you treat others with such poor service, I am going to do my best to address this issue so I would be the last faithful paying customer you abuse.
Best regards,
Tyrone Brown

Crook Company, plain and simple. I've had LHG for a few years and my experience has consistently gotten worse. I'll put a few examples below:
1. I needed some general plumbing help. It took a few days to have the plumber come out, which is fine it was not an emergency, however, it took a weeks after for him to come back and fix. I had to reach out multiple times for him to finally help. Once done, his work wasn't completed properly and when I called LHG for help they said I'd have to pay the $125 fee again for his mistake.
2. Recently had my AC go out. It happened late at night and they boast they have emergency services but wouldn't send someone out or approve quick enough so I had to pay out of pocket. They ended up only paying me $80 out of a $400 bill because it wasn't approved. Really look at the wording in their contracts. When I called customer care to see if I could get anymore off my bill I was met with extreme rudeness and them saying well at least you're getting $80.
3. From this incident, I wanted to cancel my policy. I asked them the cancellation process, they told me that once I cancel I would be able to receive partial refund. So then I go to cancel and it's no we are taking all your money and it says in the contract part J. I asked for leadership to assist and they will not escalate up. I've reported them to BBB, getting a lawyer involved and am now leaving bad reviews all over the internet so hopefully someone else is warned.

I also found a Reddit thread where some stated they are allegedly paying for reviews > https://www.reddit.com/r/homeowners/comments/13wol58/do_not_use_liberty_home_guard/?rdt=*******

If you have to allegedly pay for reviews, you aren't a good company.

I have used almost every single home warranty company in the USA, and this is the WORST. They have arbitrary caps on service calls, do not cover labor costs, and their contract cancellation guarantee is a total scam. I have never been this upset over a company in my life. Horrible RIP OFF scam. I am extremely dissatisfied with this garbage company. DO NOT USE

This Company is a Scam. Liberty Home Guard LLC is a scam. I purchased a policy for one year. Heater were covered in the claim, but they went internal and stated the part that fail was not covered. They never gave a break down on internal parts of a heater not being covered.

James Regalado
He is great and very nice hard worker always helping me with my jobs and he make things very easy and do things correctly, I'm happy to work with him thank you and I hope to hear back from you.

I reviewed all my appliances with model numbers. I was told they would repair or replace with comparable models. They not only replace with the bottom of the line model but do not pay for installation. OUTLINED SOMEWHERE IN SMALL PRINT! Customer service was horrible and they even hung up on me.

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!

I would give Liberty Home Guard 0 stars if I could. Starting with customer service. My son and his wife have twin 3 year Olds and a baby. When their AC went out, they called Liberty to access their warranty. While heat climbed over 100 degrees for several days, they were given a complete run around. Told more information was needed from the adjuster. The adjuster spoke to the company several times giving them the same info over and over and still nothing was done to get their AC fixed so they could be in the house comfortably. On several days they were told they would have a phone call by the end of the day and no call came. This went on for 2 weeks during weather with temperatures over 100. When the company finally got back to them it was to tell them they would only cover $200 of the $5000 it will take to replace it. Hidden in all of the paperwork was some very small print that negated the replacement of their AC. This company has no honesty, compassion, or integrity. They will take as much time as they can to find a way to get out of upholding the warranty that trusting people buy thinking they are being covered by a company that stands behind what they say. DON'T WASTE YOUR MONEY ON LIBERTY HOME WARRANTY. THEY WILL RIP YOU OFF.

Beware! They will promise you the world and then disappear, not reply to emails, or provide you a repair person or technician who is no longer contracted with them. I've used 4 different home warranty companies in the last 10 years and Liberty is the absolute worst. If there was a rating of zero stars, they would get it. So far, I've tried to file a claim on an air conditioner, a rekey, and a dryer. They have failed to provide solutions on any of these issues. Total waste of money. Feel free to reach out to me directly for specific details if you are considering this company.

I was humiliated by the amount of funds offered by LHG to reapir my HVAC. After my HVAC was inspected by a certified HVAC technician, who have over 20+ years experience in this field, the resolution center offered $550 for repair of my unit. They told me the issue was not covered in the policy. The issue was one of the most causes for HVAC replacement. This is the quote I receive in the email sent from the resolution department:
Goodman 14 SEER Air Conditioner 2.0 TON R410A # GSX*******
Goodman Cased Coil: Upflow/Downflow, 2.0 TON, 14" # CAPFA2418A6
Installation Services
Subtotal $5907. 84
LHG Contribution ($450.00)
Total Due (out-of-pocket) $5,457.84

After speaking with the account manager about the insufficient funds to complete my HVAC replacement, they offered $100.00.
Sad to say, I was referred to this company and I must say I was mislead. This company is the wrong choice for assisting homeowners in accomplishing repair of major household appliances/ major equipment. I cancelled my warranty with LHG. THIS IS NOT BENEFICIAL FOR HOMEOWNERS.