What Liberty Home Guard does

Liberty Home Guard is a U.S. direct-to-consumer home warranty provider founded in July 2017 (incorporated September 2017) and headquartered in Brooklyn, New York, operating across all 50 states plus Washington D.C. The company sells three core subscription plans — Systems Guard (HVAC, plumbing, electrical, ductwork, water heater), Appliance Guard (nine major kitchen and laundry appliances), and Total Home Guard (combined plan at approximately $60/month) — supplemented by 40+ optional add-on modules including pool/spa, pest control, gutter cleaning, septic support, well pump, and electronics protection. Pricing is subscription-based (~$50-60/month entry tier, ramping with add-ons) with an additional $85 per-claim service fee, plus multi-year contract discounts.

The platform is delivered through a multi-portal web and mobile architecture: a customer portal, a contractor (technician) portal with same-day vendor payments and electronic diagnosis/invoice submission, and a dedicated realtor portal, plus iOS and Android customer apps. Claims intake is available 24/7/365 via phone, web, and mobile; field dispatch targets 24-48 hours. The company underwrites no risk itself in a disclosed capacity and instead aggregates demand across a network of over 20,000 licensed, LHG-certified contractors.

Customer concentration is by design low — the addressable base is the long tail of U.S. homeowners, with supplemental distribution through realtors (transactional coverage at sale), veterans/military families (American Legion affinity program, 2025), and law-enforcement households (National Fraternal Order of Police partnership, 2024). Recent strategic activity centers on deepening the contractor ecosystem (Foxquilt partnership, June 2026), broadening the realtor channel with seller-listing coverage (February 2026), and sustaining brand leadership (#1 U.S. News ranking five consecutive years 2021-2024, 2026). The company is privately held by co-founders and co-CEOs David B. Moreno and Benjamin Joseph, with no disclosed institutional funding; notable overhangs include a $10B TCPA class action under interlocutory appeal at the Fourth Circuit and a reported BBB rating downgrade to D in October 2025.

Name

Liberty Home Guard

Legal name

Liberty Home Guard LLC

Website

https://libertyhomeguard.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

101–250 employees

Short description

Liberty Home Guard is a U.S. direct-to-consumer home warranty provider offering subscription plans covering home systems, appliances, and 40+ add-ons across all 50 states plus D.C., supported by a 20,000-strong contractor network and multi-portal web/mobile platform.

Ownership category

akta.pro rank

Product category

Home Warranty Services

NAICS

Home and Garden Equipment and Appliance Repair and Maintenance (81141)

SIC

Services-Miscellaneous Repair Services (7600)

akta.pro primary industry

Home Warranty / Residential Service Contracts (Systems & Appliances) (FSAJALAG)

akta.pro secondary industry

Appliance Preventive Check (Washer Hoses, Dryer Vent, Refrigerator Coils) (HSAGAOAL)

Keywords

• Home warranty plans
• Appliance coverage
• HVAC warranty
• Home service contracts
• Home maintenance add-ons

Headquarters

HQ city

Brooklyn

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Monthly Subscription Plans: Core revenue stream from monthly subscription plans covering home systems and appliances. Plans include Systems Guard, Appliance Guard, and Total Home Guard (comprehensive combination). Monthly pricing starts at approximately $50-60/month for base coverage.
2. Add-On Coverage Options: Additional revenue from optional add-on coverage ranging from $2-36/month per add-on. Includes over 40 options such as pool/spa coverage, electronics protection, septic system support, well pump, wine fridge, and more.
3. Service Call Fees: Per-claim service fee of $85 charged when a customer requests service for a covered item. This is a transaction-based revenue component on top of monthly subscriptions.
4. Multi-Year Contract Discounts: The company offers month-to-month, annual, and multi-year contract terms with multi-year plans providing the most value, encouraging longer subscription commitments.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels8 records

Core offering

Liberty Home Guard sells monthly subscription home warranty contracts that cover the repair and replacement of major home systems (HVAC, plumbing, electrical, ductwork, water heaters) and appliances (refrigerator, washer, dryer, dishwasher, oven/range, microwave, garbage disposal, ceiling fans, garage door opener) due to normal wear and tear. Customers select from three core plans — Systems Guard, Appliance Guard, and Total Home Guard (the comprehensive combination) — and can attach 40+ optional add-ons such as pool/spa, pest control, gutter cleaning, electronics protection, septic, well pump, and roof leak protection, with a $85 service call fee per claim.

Product overview

Liberty Home Guard offers a home warranty platform with three core coverage plans: Systems Guard (covering HVAC, plumbing, electrical, ductwork, water heaters), Appliance Guard (covering 9 major kitchen and laundry appliances), and Total Home Guard (combining both plans as the most comprehensive and economical option). The company provides 40+ optional add-on modules including pool/spa coverage, pest control, gutter cleaning, carpet cleaning, electronics protection, septic systems, well pumps, wine coolers, roof leak protection, and water softeners. Service is delivered through web and mobile platforms (iOS/Android apps) with online customer portal, technician portal, and realtor portal for multi-party coordination. The company operates in all 50 states plus Washington D.C. with a network of over 20,000 licensed, LHG-certified contractors.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Named #1 Home Warranty Company by U.S. News & World Report for a record 5 consecutive years (2021-2024, 2026)
• +4 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature8 records

Partnerships

Four partnerships are on record, tiered core and minor.

• FoxquiltcoreStrategic or Co-development Partner · 4 June 2026Liberty Home Guard partnered with Foxquilt to make business insurance effortless for technicians. This partnership provides Liberty Home Guard's network of service technicians with access to simplified business insurance solutions through Foxquilt's platform.
• American LegionminorGTM or Marketing Partner · 4 June 2025Liberty Home Guard partnered with the American Legion to offer exclusive member benefits. This partnership provides American Legion members with access to Liberty Home Guard's home warranty services at preferential rates.
• National Fraternal Order of PoliceminorGTM or Marketing Partner · 27 August 2024Liberty Home Guard partnered with the National Fraternal Order of Police as their exclusive home warranty provider, offering member benefits to law enforcement professionals.
• City HarvestminorOthersLiberty Home Guard partnered with City Harvest for their Holiday Food Drive in support of the #GiveHealthy Movement. The company contributed over 200 pounds of non-perishable food and nutritious items to help combat food insecurity in New York City communities.

Scale indicators10 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• HomeServe USA: Public-traded utility-affiliated home repair and warranty provider covering home systems (plumbing, electrical, HVAC). Overlaps with LHG on home-systems coverage and municipal/utility partnership distribution.
• American Home Shield: Largest U.S. home warranty provider, owned by Frontdoor (NASDAQ: FTDR), offering similar systems/appliance coverage plans nationwide. Most direct competitor and the standard against which LHG benchmarks its 'best overall' rankings.
• Landmark Home Warranty: Regional-to-national home warranty provider serving a comparable homeowner customer base with systems/appliance plans. Competes with LHG in markets where Landmark holds state-level density advantages.
• Cinch Home Services: National home warranty provider (part of Cross Country Home Services) offering comparable systems/appliance plans and add-ons. Overlaps with LHG on multi-state coverage and digital-first customer experience.
• Choice Home Warranty: Major direct-to-consumer home warranty competitor with similar plan structure and target customer (homeowners nationwide). Consistently named alongside LHG in Forbes/NerdWallet rankings (4.2/5 vs. LHG's 4.5/5).
• Select Home Warranty: Direct-to-consumer home warranty competitor with similar plan tiers and add-on structures. Competes head-to-head in the lower-premium segment where LHG positions its $1/day entry pricing.
• 2-10 Home Buyers Warranty: Major home warranty provider with strong builder and realtor channel presence. Competes with LHG in the new-home and realtor-distributed warranty segments, including seller-paid coverage at listing.
• America's Preferred Home Warranty: National home warranty provider offering systems and appliance plans comparable to LHG. Competes for similar D2C homeowner and realtor customer segments across overlapping states.
• First American Home Warranty: Established home warranty provider offering systems and appliance coverage comparable to LHG's core plans. Competes head-to-head in editorial rankings (Forbes: 3.9/5 vs. LHG's 4.5/5).

Broad incumbents

• Frontdoor: Public parent of American Home Shield (the largest direct peer) offering home-services and warranty solutions. Relevant as the institutional-scale incumbent against which LHG's growth and brand story are measured.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Liberty Home Guard