Liberty Home Guard

Christie ChoiUnited States · 1 review · Experienced 2026-08-20 · Posted 2026-08-21

⭐ 1-Star Review

⭐ 1-Star Review Extremely disappointing experience, read the contract carefully before purchasing. I purchased this home warranty expecting that a covered HVAC failure would provide meaningful protection. When my 27-year-old AC failed, I paid the required claim/service fee of $125 and submitted the diagnostic report and replacement estimate. The claim was ultimately limited to $150. The explanation I received was based on the AC’s “book value.” My concern throughout the entire escalation process was not simply the amount of the book value, it was where this limitation was actually stated in the contract I purchased. I repeatedly asked for the specific provision defining “book value,” explaining how it would be calculated, and identifying the age at which an appliance would no longer have meaningful coverage. I was not provided with a satisfactory answer to those questions. Instead, the explanation relied on what was described as the commonly understood meaning of “book value,” rather than a clearly defined calculation or age limitation that I could identify in my contract. I escalated the issue to the highest level available. The representative was professional and courteous, but unfortunately the outcome remained the same and my concerns about the contract language were not resolved. Paying $125 to open a claim and ultimately receiving only $150 toward a failed 27-year-old AC was extremely disappointing and did not feel like meaningful warranty protection. I’m now attempting to cancel the warranty, and even that requires submitting a form and waiting for someone to contact me regarding whether I may receive a partial refund. My biggest takeaway is this: read the entire contract very carefully before purchasing a home warranty. Don’t assume that paying for coverage means an older system will receive meaningful coverage when it fails. Ask specifically how age, depreciation, “book value,” replacement costs, and claim limits are calculated and make sure those answers are actually reflected in the contract. Based on my experience, I would not recommend this warranty program.

Clients

MR. Fabio, resolutions specialist, who was very friendly and dealing with clients very professionally and solving the issue very wisely. Thank you sir.

Fabio was very helpful w/ customer…

Fabio was very helpful w/ customer service!

Inflated ratings

Here is important information regarding Liberty Home Guard (LHG) and why I advise against using their services. - Long Wait Times: It typically takes 2 to 4 weeks for them to repair, replace, or deny a claim. - Unqualified Technicians: They often use inexperienced and sometimes unlicensed technicians. - Fine Print Exclusions: Their contract's fine print excludes them from covering most claims, often limiting coverage to very specific portions of an appliance or system, or including clauses to minimize payouts. - Hidden Costs: Even if a repair or replacement is approved, installation costs are usually not included. - Unhelpful Customer Service: Representatives follow a script and lack actual knowledge about specific claims. - Deceptive Practices: They mislead customers into believing their home systems and appliances are fully covered when they are not. - Inflated Ratings: They boost their online ratings by prompting new customers for 5-star reviews immediately after purchase, which drowns out the negative reviews from customers who have actually experienced their service. - D+ rating by the Better Business Bureau because "BBB files indicate a Pattern of Complaints regarding the claims process, customer service, and sales tactics"

William C. WhiteUnited States · 4 reviews · Experienced 2026-08-14 · Posted 2026-08-20

Worst company ever they will send a…

Worst company ever they will send a technician out then they will not replace anything they upscale and screw u over my compressor went out on ac and after 4 days and the run around they told me they will not replace but will charge me over $2000 dollars to replace the unit. They did they same tatic with my stove don't ever trust this company. I'm a disabled Veteran on a very limited income and they just screwed me over twice so consumers beware I told u so you've been warned ⚠️ American home shield treated Veterans alot better then this. Lesson learned. Also if you look at there 4 and 5 star rating it all by the same 2 customer service Representative what are the odds? Oh by the way I'm in Texas in 107 heat they don't give a dam while the sit in ac and give me the run around. I hope the CEO is happy off the profits while the consumers are getting ripped off. P.S. this is going on almost a week and they also denied my stove too. Still trying to figure out out how they got a #1 rating got to be false

Submitted a claim to get a new…

Submitted a claim to get a new refrigerator. For a week and a half I went back-and-forth with the warranty company and the only options they presented me were units that would not fit in my home. When I presented them suitable substitutes, all I would get was delayed delay, and then they would send me their idea of what I should have. When asking for a reimbursement instead, they offered me $300. The delay time for resolution was unreasonable and when asking for a supervisor, they could not seem to find one, nor would they get a response from any to help me handle the situation.

Luis Pena was very helpful and provided…

Luis Pena was very helpful and provided the insight I needed for my claim.

Avoid This Home Warranty Company

If there were an option to give a rating below one star, I would. This is the worst home warranty company I have ever dealt with. We filed a claim over two months ago, and it is still unresolved. Their customer service is completely ineffective, and the company has shown no sense of responsibility or accountability for the ongoing delays. Save your money and avoid this company at all costs.

Rigo BrambilaUnited States · 1 review · Experienced 2026-08-19 · Posted 2026-08-19

The agent was very friendly and showed…

The agent was very friendly and showed to be concerned with resolving the mater to my satifaction!

Justin GillespieUnited States · 1 review · Experienced 2026-08-19 · Posted 2026-08-19

Great customer service

Great customer service. Luis Pena was very helpful

Very patient and courteous!

Fabio was really patient and…

Fabio was really patient and knowledgeable!

Fabio was very professional and…

Fabio was very professional and provided me with top notch service.

I spoke with "Fabio." I wish he could…

I spoke with "Fabio." I wish he could be permanently assigned to us with any future claims. He is thorough, gracious and quick to respond, unlike other folks that we have dealt with in other areas.

Very helpful in assisting me

Sam was very easy to work with and very…

Sam was very easy to work with and very straightforward. Our experience with liberty home guard these past 3 years has been excellent as well. Strongly recommend Sam and liberty home guard.

Antoinette Nettie EveryUnited States · 1 review · Experienced 2026-08-18 · Posted 2026-08-18

Extremely Disappointed

Extremely Disappointed – I Do Not Recommend Liberty Home Guard My experience with Liberty Home Guard has been extremely frustrating and disappointing from beginning to end. Our A/C unit stopped working, and we were initially told that the repair was not covered because the issue was supposedly related to an electrical failure. However, the technician who inspected our system told us that he did not report the problem to Liberty Home Guard in that manner. This left us questioning how Liberty Home Guard reached that conclusion and whether the technician's findings were interpreted incorrectly. After going back and forth regarding the claim, I spoke with a Liberty Home Guard representative who told me that if we chose to purchase our own equipment and have it installed by a certified technician, we would be reimbursed $1,500 once the system was repaired and we submitted the paid invoice and the certified technician's information. We relied on the information provided by their representative when making our decision and proceeded accordingly. Now, after completing the repair and submitting the requested documentation, we are dealing with issues regarding the reimbursement we were told we would receive. This entire process has involved conflicting information, frustration, and far too much back-and-forth. When customers are making expensive home-repair decisions based on information provided directly by company representatives, they should be able to rely on that information. We have a contract with Liberty Home Guard through next year, but once it ends, we will definitely be looking for another home warranty company. Based on my experience, I cannot recommend Liberty Home Guard. I strongly encourage anyone considering this company to carefully review the contract, get reimbursement promises in writing, and document every conversation before spending any money out of pocket.

Gangadhar KenguvaUnited States · 1 review · Experienced 2026-08-17 · Posted 2026-08-18

claim resolved with ease

Spoke to Fabio and got a resolution for my claim.

Luis Pena made my experience go great

Luis Pena made my experience go great. It was a breeze to schedule a claim and Mr. Pena didn't take long to accomplish the claim. Repair tech contacted me almost immediately. Thank Liberty Home Guard and Luis Pena.

Adam ChristianUnited States · 1 review · Experienced 2026-08-17 · Posted 2026-08-17

Very helpful representative

He addressed all of my questions.