Liberty Home Guard Warranty Review

Earlier than discussing Liberty House Guard’s coverage choices and the way they stand as much as different house warranties, it’s essential to grasp what’s and isn’t included on a standard house guarantee plan. A house guarantee is a kind of house safety that may aid you declare extra reasonably priced repairs in your house’s main techniques and home equipment. House guarantee plans have been designed to fill in among the gaps left in protection by most traditional householders insurance coverage insurance policies, which don’t cowl repairs or replacements wanted due to regular put on and tear.

While you signal onto a house guarantee, you comply with pay a selected worth monthly to keep up your protection. If considered one of your lined techniques or home equipment breaks down due to regular utilization, contact your own home guarantee firm and request a repair. The house guarantee service supplier will ship a contractor to your property if the damaged equipment or system is roofed beneath your plan. In alternate, you pay a small, beforehand agreed-upon service payment to the technician instantly. This service payment stays constant between jobs, whatever the precise worth of the restore or alternative you obtain.

Liberty House Guard is a house guarantee firm providing three distinct plan choices for single-family householders in most components of the nation. Like another house guarantee corporations, Liberty House Guard provides an equipment guarantee plan that solely covers your main home equipment in addition to a system guarantee that covers your own home’s main techniques. The Complete House Guard plan provides all-inclusive protection in your house’s techniques and home equipment at a extra reasonably priced month-to-month price.

Take a more in-depth have a look at what’s lined beneath every considered one of Liberty House Guard’s house guarantee plan choices.

Equipment Guard

The Equipment Guard plan covers the next house parts:

• Garments washer
• Garments dryer
• Fridge
• Constructed-in microwave ovens
• Dishwasher
• Rubbish disposal
• Vary, oven and cooktop
• Ceiling fan
• Exhaust fan
• Storage door opener

Techniques Guard

The Techniques Guard plan covers the next house parts:

• Air-con system
• Heating system
• Ductwork
• Plumbing system
• Electrical system
• Water heater

Complete House Guard

The Complete House Guard plan consists of the entire coverages discovered on each the Equipment Guard and the Techniques Guard coverage.

Non-obligatory Coverages

Liberty House Guard provides a powerful vary of add-on decisions you should utilize to customise your coverage. You’ll be able to add protection for any of the next parts or additions to any considered one of Liberty House Guard’s coverage choices:

• Pool and spa
• Sump pump
• Properly pump
• Central vacuum cleaner
• Extra spa
• Septic system pumping
• Standalone freezer
• Restricted roof leaks
• Lights
• Re-key service
• Gutter cleansing
• Pest management
• Carpet cleansing
• Water softener
• Garden sprinkler system
• Electronics safety
• Swamp cooler
• Ejector pump
• Second fridge
• Trash compactor
• Constructed-in ice maker
• Free-standing ice maker
• Plumbing fixtures
• Grinder pump
• Wine cooler/fridge
• Saltwater pool
• Generator
• Sizzling water dispenser
• Reverse osmosis system
• Water dispenser water line
• Carpet cleansing
• Window washing and cleansing
• Energy washing (exterior flooring)

You may as well use elective add-ons to buy protection for a second set of main home equipment or techniques (for instance, a second plumbing system constructed as a part of a duplex). These single-item coverages can be found from about $50 yearly and generally is a nice choice for condominium and funding property house owners who solely want protection for particular house parts.

Liberty House Guard insurance policies additionally embody entry to the corporate’s on-line buyer portal system. The corporate will aid you arrange and handle your on-line buyer portal after creating an account. You’ll be able to submit claims, handle your coverage advantages and talk with representatives by your on-line account. This makes it simpler to regulate your coverage advantages within the occasion that it is advisable to add coverages after you buy your preliminary plan. For those who’re a business property proprietor or a property supervisor with a number of models it is advisable to cowl, Liberty House Guard additionally provides distinctive coverage plans together with your scenario in thoughts. 

Liberty House Guard provides just a few strategies to succeed in customer support, together with:

• By way of telephone: To get in contact with Liberty House Guard through telephone, name 833-544-8273. Liberty House Guard doesn’t supply lively customer support hours on its web site.
• Over electronic mail: For those who’d want to ship your message to Liberty House Guard through electronic mail, you’ll be able to attain their group at [email protected].

When submitting a declare, you’ll be able to submit paperwork and join with representatives by your Liberty House Guard buyer portal. You’ll be able to submit a declare over the telephone or on-line 24 hours a day and 7 days every week. 

That will help you get a greater concept of what you may anticipate to pay for a coverage from Liberty House Guard, Benzinga requested a pattern quote for a house with lower than 5,000 sq. ft positioned in Pennsylvania.

One of many greatest advantages that include selecting Liberty House Guard in your house guarantee is its wide selection of elective coverages. View pricing for a few of Liberty’s hottest add-ons within the chart under.

Liberty House Guard additionally requires that you just pay a per-incident service payment every time you employ your plan advantages, as is the case with each different house guarantee firm. Liberty House Guard’s commonplace service payment is $90, which signifies that you’ll pay $90 each time you employ your coverage advantages. That is greater than most different house guarantee corporations — although you could possibly negotiate a decrease service payment by talking with a consultant.

Like different house guarantee corporations, Liberty House Guarantee’s insurance policies embody protection limits that put an higher cap on the whole worth of repairs or replacements you’ll be able to declare in your coverage. Liberty House Guarantee’s insurance policies embody a $2,000 higher restrict on most house parts. For many techniques and home equipment in your house, Liberty House Guard will present as much as $2,000 in restore or alternative worth per particular person merchandise annually. If a system or equipment breaks down and requires greater than $2,000 price of restore or alternative work, you may be chargeable for all bills previous $2,000.

Some gadgets have protection limitations decrease than $2,000, together with:

These limitations, particularly in your plumbing and electrical techniques, cut back the worth of your Liberty House Guard coverage. Whereas insurance policies are competitively priced on the subject of premiums, Liberty House Guard doesn’t supply as a lot protection as competing house guarantee plan suppliers. 

Liberty House Guard provides house guarantee plans with a variety of distinctive advantages, together with the next.

• Prepayment advantages: For those who’re in a position to pay in your house guarantee protection upfront, you would entry enormous financial savings on future protection by Liberty House Guard. The corporate provides as much as six months of free protection while you prepay your premiums prematurely on-line.
• Inexpensive premiums: Liberty House Guard’s insurance policies can be found from about $50 monthly, and you should buy protection for particular person techniques and home equipment for lower than $200 yearly. This generally is a main profit for householders on a funds.
• Wide selection of add-ons: For those who dwell in a house with distinctive parts, remember to take a look at the huge vary of elective coverages obtainable on Liberty’s insurance policies. Liberty House Guard means that you can add protection for nearly 40 extra house parts past the usual inclusions you’ll discover on most house guarantee plans.

Liberty House Guard provides an easy shopping for and claims course of. Prospects can submit a declare on-line or over the telephone, and claims reporting is accessible 24 hours a day and 7 days every week. Whereas Liberty House Guard doesn’t permit you to select your personal contractor, you’ll be able to view {qualifications} for the contractors Liberty works with on-line. Liberty House Guard claims that it’s going to “attempt to” reply to all buyer claims inside 24 to 48 hours, which is longer than most different house guarantee corporations.

An space the place Liberty House Guard can afford to enhance is its consumer expertise, significantly on the subject of finding pattern contracts. Although Liberty House Guard provides a pattern contract (containing essential details about coverage limits not obtainable on different components of the positioning) it’s hidden within the web site’s FAQ web page. It’s totally doable to undergo the shopping for course of with out being given the chance to learn the contract you’re signing onto. Sooner or later, Liberty House Guard ought to embody a coverage contract on the checkout web page of its web site to scale back buyer confusion and frustration.  

Liberty House Guard Guarantee Versus Opponents

Whereas Liberty House Guard provides a powerful vary of add-on alternatives, customizable insurance policies and reasonably priced pricing, it’s not the one firm within the house guarantee business. Opponents like Selection House Guarantee and House Guarantee of America additionally supply house guarantee insurance policies, every of which have their very own advantages and disadvantages.  

Benzinga provides opinions and insights into the next house guarantee corporations. Take into account persevering with your seek for the very best protection with the next hyperlinks. 

Liberty House Guard generally is a viable house guarantee choice should you’re in search of reasonably priced protection. Plans can be found from about $50 a month, and you should buy protection for particular person techniques or home equipment. Non-obligatory protection is accessible from lower than $20 a month for many gadgets, and there are a variety of add-ons obtainable. This may be significantly interesting for property house owners trying to insure solely an older system or equipment with out breaking the financial institution.

Whereas Liberty House Guard’s insurance policies are reasonably priced, they do include just a few drawbacks. Protection is restricted to $2,000 for many gadgets and will be as little as $500 for choose techniques and home equipment, decreasing the general worth of your coverage. Liberty’s commonplace service payment is ready at $90, which can also be greater than most different house guarantee corporations.

Liberty House Guard Guarantee Video Tutorial

Often Requested Questions