Liberty Mutual Homeowners Insurance Review 2024
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Coverage options
Discounts
NAIC complaints
Liberty Mutual
Coverage options
Discounts
NAIC complaints
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Liberty Mutual home insurance review
Liberty Mutual homeowners insurance earned 4 out of 5 stars for overall performance. The third-largest home insurer in the U.S., Liberty Mutual offers solid coverage and discount options that will meet the needs of many homeowners. The company’s website and mobile app make managing your policy easy, though agents are also available if you want more personal service.
Where Liberty Mutual home insurance stands out
Discounts. Liberty Mutual provides many ways to save money on your premiums.
Mobile app. The company’s highly rated app makes it easy to manage your policy.
Where Liberty Mutual home insurance falls short
Consumer satisfaction. Liberty Mutual was ranked below average for customer satisfaction in J.D. Power’s 2024 U.S. Home Insurance Study.
Why Liberty Mutual home insurance is worth a look
State availability
Liberty Mutual home insurance policies are available in 46 states and Washington, D.C.
Liberty Mutual home insurance coverage
You can customize your homeowners policy with numerous add-ons, but below are the types of coverage that generally come standard:
Type of coverage | What it does |
|---|---|
Pays to repair or rebuild the structure of your home. | |
Covers damage to unattached structures such as sheds or fences. | |
Pays to repair or replace personal belongings such as furniture or clothing. | |
Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs. | |
Covers legal expenses and damages if you're responsible for injuries to other people or their property. | |
Covers injuries to guests in your home, regardless of fault. |
For more details, see What Does Homeowners Insurance Cover?
Depending on where you live, you may be able to add other types of coverage to a standard Liberty Mutual homeowners policy, including:
Identity theft insurance, which pays for legal expenses and provides advice if you’re a victim of identity theft.
Blanket jewelry coverage, which pays out if your jewelry is lost or stolen, with no deductible or upfront appraisal.
Inflation protection, which entitles you to a premium discount and involves regular adjustment of your coverage limits at renewal time.
Replacement cost coverage, which pays to buy brand-new replacements for belongings stolen or destroyed in a disaster (as opposed to actual cash value coverage, which offers less money for older items).
Water backup coverage, which pays for damage due to backup or overflow from sewers, drains and sump pumps.
Extended replacement cost coverage for your dwelling, which gives you extra coverage for the structure of your home in case construction costs rise.
Personal injury liability coverage, which helps with legal expenses and damages if someone sues you for things like libel, slander or invasion of privacy.
Ordinance or law coverage, which pays to help bring your home up to current building codes during rebuilding or repairs.
What Liberty Mutual home insurance doesn’t cover
Standard Liberty Mutual homeowners insurance policies don’t cover damage due to:
Flooding.
Sinkholes.
Landslides.
Backed-up sewers or drains.
Pests.
Lack of maintenance.
Liberty Mutual may offer optional coverage for some of these scenarios.
Discounts
Depending on your state, you may qualify for home insurance discounts by:
Bundling home and auto coverage.
Filing no claims with your previous insurer for at least five years.
Filing no claims with Liberty Mutual for at least three years.
Insuring a home that’s newly purchased, newly built or recently renovated.
Having a new roof.
Getting a Liberty Mutual quote before your policy with another carrier expires.
Insuring the full cost to replace your home.
Enrolling in autopay for your premiums.
Signing up for paperless billing.
Consumer complaints
Liberty Mutual received fewer than the expected number of home insurance complaints to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.
Consumer experience
Website: You can do a lot on the Liberty Mutual site, including getting a quote, filing and tracking claims, paying your bill and learning about insurance basics. But if you’d rather speak with an agent, you can search for one near you.
App: Available for both iOS and Android, the Liberty Mutual app enables you to sign documents electronically, file claims, enroll in autopay and check policy information.
Claims: You can file and track home insurance claims on the Liberty Mutual website or by calling 800-225-2467. You can also call that phone number if you need help with things like removing water from your home or finding a temporary place to live after a disaster. For more advice, see how to file a home insurance claim.
Customer service: For live support, call Liberty Mutual at 800-290-8711. You can also contact a local agent.
Liberty Mutual home insurance vs. competitors
Liberty Mutual home insurance vs. State Farm
Insurer | ||
|---|---|---|
Star rating | ||
Policy highlight | Lots of ways to save on your policy. | Includes additional coverage for the structure of your home with its standard policies. |
Bottom line | State Farm and Liberty Mutual are among the biggest home insurers in the U.S., each with various ways to customize your policy. However, Liberty Mutual advertises more potential discounts, while State Farm offers more generous default coverage for the structure of your home. | |
Liberty Mutual home insurance vs. Progressive
Insurer | ||
|---|---|---|
Star rating | Not rated | |
Policy highlight | Lots of ways to save on your policy. | Sells homeowners insurance through affiliated and unaffiliated third parties. |
Bottom line | Liberty Mutual sells its own policies while Progressive works with third parties. When you get a quote from Progressive, the company may show you policy options from more than one insurer. Both Liberty Mutual and Progressive offer bundling discounts if you purchase home insurance with another policy, such as auto. | |
How we rate homeowners insurance
NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as financial strength, consumer complaints, coverage, discounts and customer experience.
In our research, we analyzed:
More than 270 million homeowners insurance rates.
More than 50 insurance companies.
Nearly 200 homeowner profiles.
View our complete homeowners insurance rating methodology.
Methodology
Homeowners insurance star ratings methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverage, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full ratings methodology for home insurance.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
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