Home warranty didn’t cover labor on a stove repair — is…
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Home warranty didn’t cover labor on a stove repair — is this normal?
I’m hoping to get some perspective from people here who have dealt with home warranties.
I have a policy with Liberty Home Guard, and my experience hasn’t been what I expected. I’ve now had five claims, and every one was initially denied. Only after pushing back (BBB complaint, reviews, etc.) did anything start getting approved.
Most recently, my stove needed repair. They approved the claim—but only covered the part. I still had to pay $130 out of pocket for labor just to get the repair done.
At that point I went ahead with it because I needed the stove working, but it left me questioning the value of the warranty. I assumed “covered repair” would include both parts and labor.
They point to contract language to justify it, so I understand that’s how it’s written—but it doesn’t really match what I thought I was buying.
I’m curious:
Is this typical for home warranties?
Do most of them split coverage like this?
Or is this a red flag and I should just cancel and move on?
They actually offered me money to cancel the policy, which also made me wonder if this is just how these companies operate.
Just trying to figure out if I had unrealistic expectations or if this is something others have run into as well.
#home
source
I’m hoping to get some perspective from people here who have dealt with home warranties.
I have a policy with Liberty Home Guard, and my experience hasn’t been what I expected. I’ve now had five claims, and every one was initially denied. Only after pushing back (BBB complaint, reviews, etc.) did anything start getting approved.
Most recently, my stove needed repair. They approved the claim—but only covered the part. I still had to pay $130 out of pocket for labor just to get the repair done.
At that point I went ahead with it because I needed the stove working, but it left me questioning the value of the warranty. I assumed “covered repair” would include both parts and labor.
They point to contract language to justify it, so I understand that’s how it’s written—but it doesn’t really match what I thought I was buying.
I’m curious:
Is this typical for home warranties?
Do most of them split coverage like this?
Or is this a red flag and I should just cancel and move on?
They actually offered me money to cancel the policy, which also made me wonder if this is just how these companies operate.
Just trying to figure out if I had unrealistic expectations or if this is something others have run into as well.
#home
source
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