Liberty Mutual Home Home Insurance Review

By Policy Scout
Updated Jul 8, 2022
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Liberty Mutual Home Insurance Review


Founded in 1912, Liberty Mutual is one of the largest property insurers in the United States. You may remember the company’s “only pay for what you need” media campaign, which touted its customizable home insurance plans. Liberty Mutual continues to stand by those words, offering an array of flexible plans for people’s diverse home insurance needs.

PolicyScout Review

One of Liberty Mutual’s strengths is its outstanding selection of discounts. The company offers a range of discounts for all policyholders and gives members the ability to customize coverage based on their unique needs.

Despite the savings, customer satisfaction rankings for Liberty Mutual hover around “average.”


  • Offers unique ways to save

  • Protection against inflation costs

  • Variety of customizable options


  • Claims-handling is not ideal

  • Subpar financial stability

Liberty Mutual’s financial strength ratings fall in the lower end compared to some other homeowners' insurance providers. It receives an “A” from A.M. Best which sounds fantastic, but it doesn’t indicate the same reliability and confidence as an A++ rating that some of its competitors get. As far as the claims process goes, Liberty Mutual has some room for improvement. J.D. Power gives it a 3 out of 5 in terms of the overall experience, which is average.

Liberty Mutual is a great option if you’re looking for customizable coverage and are seeking a company that offers plenty of discounts. This insurer offers outstanding homeowners coverage and unique options, like inflation protection, that are hard to find elsewhere. Although customer satisfaction ratings have not been stellar, it’s still worth getting a quote to see what Liberty Mutual can offer you.