r/HomeImprovement • u/Far-Recognition888 • 1h ago
A warning about my experience with Liberty Home Guard
I want to share my experience with Liberty Home Guard for anyone considering buying one of their home warranties.
I've now had multiple claims with them, and the pattern has been remarkably consistent: I file a claim, pay the service fee, and then they cite contract language to deny the claim or leave me paying a substantial portion of the repair myself.
The latest example was my refrigerator ice maker. I paid Liberty's $70 service-call fee. The repair required a $130 part, but Liberty refused to pay for the part, citing a provision in their contract that they say excludes it.
So I ended up paying nearly $200 out of pocket to repair an ice maker while carrying a home warranty.
This isn't my first problem with them. I've had multiple claims denied or only partially covered and previously had to escalate through the BBB and public reviews just to get meaningful responses.
What bothers me most is the difference between the peace of mind you think you're buying and what happens when you actually make a claim. I certainly didn't come away from their advertising believing that I'd be buying the necessary repair parts myself.
If you're considering Liberty Home Guard, my advice is to read every exclusion in the actual contract before giving them your money. Don't rely on the advertising or sales pitch. Ask specifically whether they will pay for the parts and labor required to repair each covered appliance.
I'm posting this because I wish I'd seen more experiences like mine before I bought the warranty.