If I could give a minus 5 stars, I would. I purchased a policy covering my appliances, hvac system and partial roof coverage. I paid almost $600 for the policy. Two months later my built-in microwave (microwave/oven) quit working. I contacted Liberty Home Guard who immediately charged me the $75 service call fee. I waited a couple of days for the repairman to come. My husband called to see when they would be coming and instead they asked for the brand and model # of my microwave. He provided that and asked when a repairman would be coming. Several days later we got an email that our appliance was more than 13 years old and that they would pay up to $225 to replace the microwave. They sent several models that were equitable to what I had. The lowest priced one was $2500. I have called to discuss the lack of a service call and the denial of replacing the appliance. I'm always told that they will tall to the manager and will either call me or email me. That never happens. When I called the next time I asked to talk to the manager directly and she said she will talk to her boss and see what they would do. She told me she would email me the information within 24 hrs or on Monday at the latest. One week later I had not received anything. So I called again today and asked to speak toe the manager Elizabeth that I had talked with previously. They put me on hold for over 10 minutes and then told me she was too busy talking with another customer and that they would send me the info by email today. I asked for a refund of my money for the policy and the $75 service call fee that never occurred. Time will tell but I don't have high hopes. PLEASE HEED MY PLEA AND DON'T WASTE YOUR MONEY WITH THIS COMPANY. THEY ARE SCAMMERS!