Liberty Mutual Home Insurance Review

Read our full review of  how Liberty Mutual homeowners insurance compares with other leading  home insurance providers in the United States. 
By Jolene Wood
Updated Dec 4, 2022
Craft Mini House
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Who Is Liberty Mutual?

Liberty Mutual is the sixth largest property and casualty insurer in the U.S. It was founded in 1912 and is based in Boston, Massachusetts. 

Its products are available in 50 states and in 29 countries worldwide, namely in Europe, Asia, the United Kingdom, and South America. 

Liberty Mutual’s wide range of insurance products includes:

  • Auto insurance.

  • Homeowners insurance.

  • Renters insurance.

  • Workers compensation.

  • Commercial peril.

  • General liability.

  • Global specialty.

  • Group disability.

  • Fire insurance.

  • Surety.

These insurance products protect individuals, families, and businesses against financial loss that is associated with damage to, or loss of property and belongings.

It also offers a number of insurance add-ons to cover gaps under the standard insurance policies. Discounts are also available for qualifying customers.  

Liberty Mutual is a socially responsible company, and through various projects and involvement from its staff, it continues to make a difference in the communities in which it operates.


✅Liberty Mutual is a trusted, well-known insurer with 110 years of experience.

✅Discounts offered on bundled insurance products (car, home, life, etc.).

✅ Filing e-claims via your cell phone.

✅ An easy-to-use online quote finder.

✅ The Home Gallery App allows customers to make an inventory of their personal belongings.

✅ In reporting claims on the phone You can report claims around the clock.

✅Easy accessibility to its products through online platforms.


❌ It has an above average number of complaints lodged with the National Association of Insurance Commissioners (NAIC). The NAIC is a regulatory authority in the U.S.

❌ While Liberty Mutual is financially stable, it has received less favorable reviews in terms of its claim payouts.

❌ Its customers have also complained about misleading language in policy contracts and unhelpful representatives.

Is Liberty Mutual Available in Your State?

Liberty Mutual Home insurance is available in 50 states, including Washington D.C.

Regardless of where you live or plan to live in the future, you can insure your home through Liberty Mutual by completing an easy step-by-step online application process on its website.

What Ratings Did Liberty Mutual Receive?

Credit ratings from third-party rating companies give consumers a good idea of the financial health and level of customer experience. 

Credit Rating Company Scores

Three of the top rating agencies, AM Best, Moody’s and Standard and Poor (S&P) have given Liberty Mutual high ratings, signaling that the company is stable with strong financials. 

What are Rating Agencies?

Rating agencies are organizations that rate businesses and governments based on their financial strength and future financial stability.

If a company is financially strong it means that it is able to afford to pay out claims and meet its financial responsibilities.

These are the financial ratings that Liberty Mutual has achieved:

  • A.M. Best rating: A. This credit rating agency focuses only on the insurance industry and an A rating means that Liberty Mutual has the money to pay out their claims.

  • Moody’s rating: A2. Moody’s analyzes the value of a company’s balance sheet and works out what the losses would be if a company is unable to pay its debt. The A2 rating means that Liberty Mutual is a solid investment with a low credit risk and it is careful with the money it is responsible for. 

  • Standard and Poor rating (S &P): S&P is the largest of the top three credit rating agencies and reviews a company's long-term financial stability. An A rating means that Liberty Mutual has the money to pay you out if you claim.

Third-party ratings 

Third-party ratings show the actual customer experience of a particular company. 

Some third-party ratings were less favorable than the ratings received from credit rating companies. 

Consumers complained that Liberty Mutual is not paying out reasonable claims and their customer representatives are being unhelpful. 

Some customers have also felt that the policy wording is misleading, which is the reason they have been unable to receive a claims payout. 

The third-party ratings received are from ConsumerAffairs, ConsumerAdvocate and Trustpilot.

ConsumerAffairs score: 3.8 / 5.

ConsumerAffairs allows consumers to rate insurers like Liberty Mutual on their website.

The 3.8 score means consumers are somewhat satisfied with the service they have received. They take all the actual customer ratings received over the last 12 months on their website and provide an average score based on these ratings. 


ConsumerAdvocate score: 4.5/5. 

 This is a very good score and this third-party review website uses three criteria to rate companies: 

Financial stability, Reputation and Coverage: 

  • Financial stability is all about the financial health of the company which enables it to honor claims and other payouts. 

  • Reputation is about the popularity of a company among consumers and peers. 

  • Coverage is about the availability of the company in other states. The higher the number of states a company operates in, the higher the rating for coverage.  

Consumer Advocate Ratings

source: ConsumerAffairs

Trustpilot rating: 1.4 out of 5. 

Trustpilot is a consumer review website where policyholders can rate their experience with brands. This rating takes into account all Liberty Mutual’s insurance products and is based on 135 reviews. 

It shows that across home, life, and auto insurance, customers are not satisfied with Liberty Mutual.  

What Types of Homeowners Insurance Is Available Through Liberty Mutual?

Liberty Mutual offers six types of standard homeowners insurance in the U.S., plus some extra ones (optional insurance) to provide cover for situations not stipulated under the six standard types of insurance.

The six standard type insurance are:  

1. Dwelling Coverage 

Is a type of essential home insurance that covers the repair or rebuilding of your home and will  pay out up to the policy dollar limit. 

What is the Policy Dollar Limit?

The policy dollar limit is the maximum amount of money an insurer will pay for a specific claim within a specific time period, usually a year.

Payouts will also be made if damage to your home is caused by: 

  • Wind and hail.

  • Vandalism.

  • Fire, lightning, and smoke.

  • Freezing, snow, and ice.

  • A volcanic eruption.

2. Other Structures Coverage

Like dwelling insurance, other structures insurance covers damage caused by fire, vandalism, wind, hail, and snow to structures on your property that are not your home

This is also known as ‘dwelling extension insurance.’ 

Other structures insurance covers damage to the following structures:

  • Fence.

  • Detached garage.

  • Driveway.

  • Shed.

  • Gazebo.

  • Guesthouse.

3. Personal Property Coverage

Personal property insurance provides coverage for your personal belongings. This kind of insurance is also known as ‘Coverage C’. 

This cover provides cover for specified items against fire, theft, and other losses. 

It includes the cost of repairing or replacing belongings such as:

  • Furniture.

  • Clothing.

  • Cellphones, tablets, and laptops.

  • Crockery and kitchen appliances.

  • Jewelry.

  • TVs.

4. Loss of Use or Additional Living Expenses Insurance

Loss of use insurance, also known as ‘additional living expenses’ insurance, pays for lodging, food, and travel if you cannot stay in your home due to a specific reason, such as a fire or some other disaster covered by your insurance. 

You will have to read your insurance policy to understand what situations your insurer will pay out for ‘additional living expenses.’

This cover pays for:

  • Hotel stays.

  • Restaurant meals.

  • Apartment or house rentals.

  • Groceries.

  • Pet boarding.

  • Transportation fees.

  • Parking fees.

  • Laundry expenses.

  • Moving and storage costs.

5. Medical Expenses Coverage

Medical expenses coverage helps pay for medical costs defined in your policy for visitors injured on your property, but does not include the medical expenses of your own household members. 

Medical expenses insurance includes cover for:

  • ER visits.

  • Hospital stays.

  • Surgeries.

  • Physical therapy.

  • X-rays.

  • Ambulance rides.

  • Funeral services.

6. Personal Liability Coverage

This insurance covers any medical and legal expenses if someone is hurt or their property is damaged while on your property.

Home Insurance Add-Ons through Liberty Mutual

Liberty Mutual offers several add-on insurance options that you can include in your homeowners insurance policy. 

Add-Ons insurance helps pay for things that are not covered under the standard six types of insurance available from Liberty Mutual. 

These are some of the most common add-ons to Liberty Mutual homeowners insurance cover:

Hurricane damage

This covers any damage to your home due to a hurricane and may need a separate deductible.

What is a Deductible?

A deductible is a cost you pay before an insurance company pays out. The lower you want this deductible to be, the higher your monthly premium will be.

Water damage

Any damage due to water backup or overflow from geysers, drains, and sump pumps will be covered by this.

Inflation protection

This facility adjusts your cover to keep up with inflation each time your policy renews.

Flood, earthquake, and hurricane protection

This type of extra insurance provides you with cover for damage caused by floods, earthquakes, and hurricanes.

Fine jewelry protection

Liberty Mutual offers specialized coverage for your fine jewelry. This covers the replacement of  lost or stolen jewelry. You do not need a jewelry appraisal for this cover, nor does a deductible apply.

Personal property protection

This insurance pays to repair or replace belongings.

For example, if your TV breaks, this cover will replace the TV and not simply pay out according to its depreciated value.

Insurance Discounts from Liberty Mutual

Liberty Mutual offers discounts for managing your policy well. The amount of savings and availability will vary from state to state.

Some of these discounts include:

  • Multiple product discounts: If you buy more than one type of insurance from Liberty Mutual—for example, home, car and life assurance together—you will be offered a discount. 

  • Early shopper discount: If you request a quote before your existing insurance expires, you can get a discount on your insurance.

  • Military discount: This is a special discount available to active duty, reserve, and retired military members.

  • Newly purchased home discount: If you recently bought your home you could get a discount.

  • Claims-free discount: If you haven’t claimed for 5 or more years, you may be able to get a discount on your insurance premium.

  • Preferred payment discount: You can get a discount if you set up an automatic monthly insurance payment.

Customer Experience 

Most insurance companies recognize that consumers’ time is valuable and that providing them  with more than one way to access their respective product ranges and services, determines whether consumers will do business with them or not.  

That is why customers can contact Liberty Mutual through various platforms.  

Signing up for Liberty Mutual Insurance

Liberty Mutual makes it easy for customers to sign up.  

Visit the Liberty Mutual website or download the app to receive a quote and apply for insurance.   

Load the app by scanning this QR code below with your phone.

QR code Liberty

source: liberty

Follow these steps: 

  • Open the camera on your smartphone.

  • Hold the phone up to the QR code.

  • Click the link and download the app.

You can also call Liberty Mutual for an insurance quote at 1-800-295-2723.

Managing and customizing your insurance

You can use the Liberty Mutual website or the mobile app to: 

  • View and change policy information.

  • Pay your premium.

  • Lodge an insurance claim. 

  • Download ID cards.

The claims process

Claims can be lodged via the app or the Liberty Mutual website.

Go to the website or the app and click on ‘file a claim’. You will then be taken through a step-by-step process to get your claim lodged. 

Liberty Mutual promises that you can file a claim online in just 5 minutes. 

The company also encourages customers to either download the app or lodge an insurance claim online, rather than call in to do so. 

Online experience

The Liberty Mutual website and app are simple and the design and navigation are such that it is really easy to get a quote, apply for insurance, manage your account, and lodge a claim.  

Canceling a Policy with Liberty Mutual

To cancel your Liberty Mutual policy, call their offices at 1-800-290-8711. An agent will guide you through the process.

Remember though that canceling a policy might leave you financially vulnerable in the event of a disaster. Before Liberty Mutual will cancel your policy, they will review the policy with you and try to help you keep your valuable cover.

They will:

  1. Check whether you qualify for a lower rate.

  2. Review your benefits and discounts on your policy, and help you compare these to other providers.

How Do Other Homeowners Insurance Companies Compare to Liberty Mutual

Liberty MutualState FarmLemonade Home InsuranceAllstate
State availabilityIs available in 50 states, including Washington D.C.Is available in 50 states, including Washington D.C.Available in 23 states including Washington D.C.

See in which states Lemonade home insurance is available on their website.
Available in 50 states, including Washington D.C.
Discount offers and bundlingSave 10% with an Online Purchase Discount when you buy home insurance online.
Bundle discounts - save $947 on customized home and car insurance.
Get paperless discount if you choose to receive policy information and bills via email.
The Safe Homeowner Program lets you save on your premiums if you are claim-free for 3 years.
New roof discount for when you replace your roof.
Newly purchased home savings.
Compared to Liberty Mutual, State Farm has fewer offers for discounts.
It features bundling discounts, protective devices discounts, and roofing discounts.
Offers only two discounts:
Protective devices discount for smoke alarms, burglar alarms, and deadbolts in your home.
Bundling policies by buying more than one type of insurance, such as home insurance and pet insurance.
Allstate’s list of discount offers is more comprehensive than Liberty Mutual. Apart from offering many similar discounts to Liberty Mutual, there are also these offers:

With Easy Pay Plan you can save 5% by signing up for automatic premium payments.
Claim-free discount of up to 20% savings for no-claims and customers who switch to Allstate.
Protective device discount for alarm systems and smoke detectors.
Early signing discount of 10% for policyholders who signed up for a new policy at least 7 days before their existing policy expires.
Welcome and loyalty discount saving of 10% annually for switching from another insurer.
Home buyer discount for recent homebuyers or buyers of a newly constructed home.
Responsible payment discount for paying on time or paying in full.
Add-onsFlood insurance.
Earthquake coverage.
Hurricane coverage.
Personal property coverage.
Replacement cost for belongings.
Blanket jewelry coverage.
Inflation protection.
Water backup and sump pump overflow coverage.
Identity fraud expense coverage.
Has additional add-ons not available from Liberty Mutual. It includes:
Energy efficient upgrade coverage.
Umbrella coverage.
Service lines coverage.
Mold coverage.
Has less add-ons and it includes:
Extra valuables.
Swimming pool liability.
Water backup.
Appliance breakdown.
Extended reconstruction costs.
Allstate offers very similar add-ons to Liberty Mutual, but here are some additional ones:

Home-sharing insurance.
Personal umbrella policy.
Scheduled personal property.
Business property.
Sports equipment.
Yard and garden.
Electronic data recovery.
Musical instruments.
Green improvement reimbursement.
Communication channelsYou can contact Liberty Mutual in the following ways:

Phone: 1-800-290-8711
Online Account: Log In
Mobile App: Download the app from the website.
State Farm has many communication channels for you, they include:

Email: Online form
Phone: 1-800-782-8332
Mobile App: Apple App Store and Google Play Store
Contact Lemonade Insurance in the following ways:

Phone: 1-844-733-8666
You can contact Allstate Insurance in the following ways:

Online Login: Fill form
Phone: 1-800-669-2214
Mobile App: App Store and Google Play Store

Tips for Buying Homeowners Insurance

Choosing homeowners insurance is an essential part of your and your family’s financial well-being and peace of mind, and you should carefully consider the various options and choices available.   

Get The Right Level of Coverage

Make sure that you choose the right level of coverage.

Home insurance must cover the repair, rebuilding and/or replacement costs when your property is damaged by the events outlined in your policy.

If you are under-insured, all the damage might not be covered. This means that you may have to pay large amounts out of your own pocket to cover the shortfall between the claim payout and the actual repair or replacement cost.   

For example, if you live in an area that experiences hurricanes, consider adding hurricane cover, as your Liberty Mutual’s standard insurance will not cover damage caused by hurricanes. 

Understand your insurance policy

Read your insurance policy carefully to ensure you understand what is and isn't covered.

If you think something is missing from your policy, contact your insurance company to check whether that cover has been included.

The wording of an insurance policy can be confusing, so contact your insurance company to explain your coverage to you if you need them to.

Review your policy from time to time.

It makes good financial sense to review your homeowners insurance policy every year before it is due for renewal. 

Also review it when you have moved or bought big or expensive items that need coverage.

A regular review ensures adequate coverage at the best rates by making sure that new items that need coverage are added, while those that no longer need cover, are removed.  

Check your home insurance company’s rating.

A rating is an independent financial risk assessment done by rating agencies like Moody’s, Fitch, and Standard and Poor (S&P).

A good rating means an insurance company is financially stable and can pay claims even after a widespread disaster.

Check what optional coverage is available.

For areas where wildfires, flooding, hurricanes, and earthquakes are a risk, get cover that  protects you against these natural disasters.

This kind of cover is often not part of the standard insurance options, but is available as optional insurance. So make sure that you are covered against these events.

Ask about discounts

Insurers offer many discounts, but these aren’t standardized across the insurance industry and will vary from state to state. 

Be sure to check for discounts such as:

  • Monthly debt order discounts.

  • No-claim discounts. 

  • Security system installation discounts. 

  • Bundled insurance discounts. 

Our PolicyScout Verdict on Liberty Mutual Homeowners Insurance

Liberty Mutual should be a strong contender for home insurance.

It has received excellent ratings from some of the world's top rating agencies such as Moody’s and Standard and Poor (S&P), and it also received some good consumer reviews. 

Some customers have complained about their payouts and unhelpful service from representatives, but this is to be expected with any insurer.

Liberty Mutual offers a range of six standard insurance products and an extensive list of  add-on insurance options. It also offers a wide range of discounts. 

Remember that these add-ons and discounts will differ across states.

In addition to its product offering that meets customers’ insurance needs, Liberty Mutual is a socially responsible company. 

Through different projects and involvement from their staff across the world, Liberty Mutual gives back in many different ways to the environment and the communities in which it operates. 

We hope our Liberty Mutual home insurance review has helped you make the best decision about your home insurance provider.

Frequently Asked Questions about Liberty Mutual Homeowners Insurance

How do I buy Liberty Mutual homeowners insurance? 

You can call them at 1-800-295-2723 to request a quote, visit the Liberty Mutual website to create a profile and account, or download the mobile app. 

What factors will affect my homeowners insurance quote? 

Five key elements determine the cost of your home insurance: 

Your location

Risks like extreme weather and a high crime rate in the area where you live can affect your insurance premiums.

Estimated replacement cost

This is different from the tax assessment or market value of your home. Replacement costs refer to the money you need to spend to rebuild your home. 

This includes the cost of labor and materials.

Age and condition

The age of your house, its condition and the materials used to build your home, including the basic structure and the roof, will be taken into account to determine your monthly premium.

Safety devices and precautions

The use of safety devices such as burglar alarms, smoke detectors, a deadbolt or any other  precautions you take to safeguard your property and belongings, will count in your favor when you take out insurance. 

Your deductible

A deductible is an initial amount you will pay out-of-pocket before coverage kicks in. The lower this deductible, the higher your premium will be.

Is Liberty Mutual good at paying claims? 

Liberty Mutual has a solid financial rating and can pay claims even in a widespread disaster. Policyholders have described it as a reliable company for paying claims.

What does Liberty Mutual home insurance not cover? 

A standard Liberty Mutual home insurance policy doesn't include flood and earthquake coverage. 

Insurance for water backup from a clogged drain or failed sump pump is also not covered, but  coverage for nonstandard items, however, is available from its add-on list. 

Liberty Mutual also does not cover bed bugs or insect infestations like many insurers. 

Can I deduct my insurance premium from tax? 

Home insurance premiums from any insurer can’t be deducted from your income taxes, according to the Internal Revenue Service (IRS). But, you can deduct it from your mortgage insurance premiums. 

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