Liberty Mutual Home Insurance Review

Offers homeowners plenty of discounts on policy premiums

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Liberty Mutual logo

Liberty Mutual logo

Headquartered in Boston, Mass., Liberty Mutual has grown from a company that provided workers comp insurance in 1912 to offering solutions to a variety of today's insurance needs, including homeowners insurance. In fact, Liberty Mutual is the fourth-largest provider of property and casualty insurance in the U.S. The company has a presence in 29 countries and economies worldwide and employs more than 50,000 people.

  • Pros & Cons
  • Key Takeaways
  • Company Overview
Pros & Cons
  • Multiple options to reach customer service or a claims representative

  • Plenty of discounts for policy premiums

  • Nationwide coverage

  • Online quotes not always available

  • Low customer satisfaction rating

Key Takeaways
  • Liberty Mutual offers 10 different discounts to help you lower your homeowners insurance premiums.
  • Homeowners have multiple ways to contact customer service, including online, by phone, or via Liberty Mutual’s mobile app.
  • The insurer has low customer satisfaction ratings, with a higher-than-average number of complaints compared with industry standards.
Company Overview
  • Year Founded 1912
  • Official Website
  • Insurance Offered Auto, homeowners, life, renters, motorcycle, pet, recreational vehicle, and more
  • Customer Service 24/7 phone: 1-844-629-8979; secure messaging via mobile app or online

Pros Explained

  • Multiple options to reach customer service or a claims representative: Policyholders can speak with a representative by logging into their account online, via Liberty Mutual’s mobile app, or by calling the 24/7 hotline.
  • Plenty of discounts for policy premiums: Homeowners are eligible for a number of discounts, including some that may not be offered elsewhere.  
  • Nationwide coverage: Liberty Mutual home insurance policies are available in all 50 states, so you’ll be covered no matter where you live.

Cons Explained

  • Online quotes not always available: Depending on where you live, you may have to contact a Liberty Mutual representative by calling its customer service hotline.
  • Low customer satisfaction rating: Liberty Mutual’s national complaint index as determined by the National Association of Insurance Commissioners (NAIC) is currently more than twice as high as the average industry score. It could suggest less-than-desirable customer service experiences from current policyholders.

Liberty Mutual Standard Home Insurance Coverage Plan

Liberty Mutual is the direct underwriter of its homeowners insurance policies, but those policies can vary depending on your state. Its standard homeowners insurance policy generally includes the following coverage:

Dwelling Coverage

Liberty Mutual will provide coverage for your home’s physical structure as well as on your detached property, such as fences, driveways, and sheds. Damage to your home due to severe weather, fire, water (some exclusions may apply), theft, and vandalism will be taken care of by the insurer, whether it’s replacing or repairing damaged structures in question.  

Wind and Hail Coverage

This portion of standard coverage will protect your home from damages caused by wind and hail—not general weather damage. Depending on your state, homeowners may be required to have a separate deductible in their policy.

Personal Property Coverage

If your personal items, such as rugs, furniture, and electronics, are damaged due to a covered loss or theft, Liberty will pay out the actual cash value of the property. Limits to the coverage amount can vary depending on your state.

Personal Liability Protection

Coverage will be provided to homeowners who have accidentally damaged someone else’s property (for instance, if a tree in your yard toppled and fell on your neighbor’s fence) or are sued in certain situations. This may include costs to cover repairs of the damaged item or legal payments. 

Medical Payments to Others

In the event someone is injured on or around your property, your policy will cover that person’s medical bills, up to a certain amount. 

Loss-of-Use Coverage

Homeowners who have been displaced from their homes may be provided coverage for any necessary increases in living expenses. Covered incidents include damage due to tornadoes, fire, and floods, as well as when local authorities restrict you from entering your home or neighborhood because of severe hazards or weather. Costs Liberty Mutual will pay for include any necessary increase in living expenses, such as the cost of takeout or restaurant meals if your kitchen was destroyed, or hotel stays if your entire home is deemed uninhabitable.

Policy premiums may vary depending on the insurance company and other factors. Liberty Mutual home insurance rates are largely affected by:

  • Location: Factors such as construction costs and risks due to extreme weather and crime rate will affect how much you’ll pay.
  • Age and condition of home: The insurer will look at factors such as the type of building materials, the furnace’s condition, and whether building materials for older homes are still available.
  • Estimated replacement cost: Materials, labor, availability of building materials, and inflation are factored into how much it might cost to rebuild your home. The more materials and labor cost, the more likely you’ll be charged a higher premium.
  • Presence of safety devices: Items such as burglar alarms, deadbolt locks, smoke detectors, and other types of home safety equipment may help lower costs.
  • Your deductible: The lower your deductible, the higher your premium.

Liberty Mutual Home Insurance Discounts

Liberty Mutual has 10 different ways to help you lower your premiums:

  • Claims-free discount: Homeowners who haven’t filed a claim in the past five years or more with their previous insurer are eligible for a lower premium.
  • Early shopper discount: Receive a quote before your current policy expires and you’ll receive some savings.
  • Safe homeowner program discount: Liberty Mutual policyholders who have been claims-free for three years may save on their rate 
  • Newly purchased home discount: New homeowners may find some relief with a discount from Liberty Mutual.
  • New or renovated home discount: Homes that are newly built or renovated significantly qualify for savings.
  • New roof discount: In addition to being an investment, a new roof equals savings on your homeowners insurance premiums.
  • Multiple policy discount: Bundle multiple insurance policies to lower your premiums. The more you bundle, the more you may save.
  • Insured to value discount: Homeowners will see savings if they insure up to 100% of how much it costs to replace their home.
  • Preferred payment discount: Enroll in automatic payments and receive a discount.
  • Paperless policy discount: Lower your premiums by opting to receive communications electronically.

Liberty Mutual Home Insurance Availability

Liberty Mutual’s homeowners insurance policies are available throughout the U.S. However, certain coverage options, discounts, and other features may not be available in all states.

Liberty Mutual Customer Service

Policyholders can reach Liberty Mutual’s customer service team through its app, online, or via phone at 1-800-290-8711. You can speak with a customer service representative to receive a quote by calling Monday through Friday 7 a.m. to 1 a.m. ET, Saturday 8 a.m. to 6:30 p.m. ET, and Sunday 8 a.m. to 7 p.m. ET. You can also reach out for assistance via secure messaging online or after you log into Liberty Mutual’s mobile app. There is no live chat option, however.

How to Make a Home Insurance Claim With Liberty Mutual

Homeowners can file a home insurance claim using the following methods:

  • Reach claims representatives 24/7 by calling 1-800-225-2467
  • File a claim by filling out Liberty Mutual’s online form
  • Use Liberty Mutual’s mobile app to submit a claim

You’ll receive a tracking number and instructions on the next steps after filing a claim.

Liberty Mutual Home Insurance Cancellation Policy

Liberty Mutual allows you to cancel your policy at any time, though there may be fees depending on your state. To submit a request, call customer service representatives at 1-800-290-8711.

Other Insurance Provided by Liberty Mutual

In addition to homeowners insurance, Liberty Mutual offers the following types of insurance:

Get a Liberty Mutual Homeowners Quote

Depending on location, you can receive a quote online or by calling a representative at 1-800-295-2723. Obtaining a quote online is as easy as filling out the application form. Details you’ll need to provide include your full name, address of the property you want to insure, and phone number. 

Final Verdict

Liberty Mutual homeowners insurance is available nationwide, has a variety of different coverage options, and offers convenient ways to get in touch with customer service. Given all the discounts available, you may be able to find an affordable option depending on your qualifications.

Unfortunately, the fact that Liberty Mutual has almost three times the number of complaints than the industry standard raises concerns. Some homeowners may consider the lower-than-average customer service score a reason to look elsewhere for their insurance.

Compare Other Home Insurance Reviews

Even though Liberty Mutual provides plenty of ways to receive discounts and is available nationwide, that doesn’t mean it’ll be the best fit for your insurance needs. Having the right amount of coverage is crucial, so be sure to shop around and compare multiple home insurance policies before making your final decision.

Frequently Asked Questions

Is Liberty Mutual Good at Paying Claims?

All signs point to Liberty Mutual as being good at paying claims. The company has earned an "A" rating from AM Best, indicating strong financial stability. Meanwhile, Liberty Mutual scored above average in the 2023 J.D. Power property claims study, with 870 points compared to the industry average of 874. This indicates its overall customer satisfaction with property claims.

Is Liberty Mutual an A-rated Insurance Company?

Yes, Liberty Mutual is an A-rated insurance company. It was rated an "A" by AM Best, an "A2" by Moody's, and an "A" by Standard & Poor's. The outlook for all ratings is stable.

Why Is Liberty Mutual Home Insurance So Cheap?

Liberty Mutual offers a wide variety of discounts on its home insurance products, which can keep your costs low. Although home insurance rates are influenced by the age, condition, and location of your home, among other factors, you may be able to reduce your premiums by taking advantage of one or more of Liberty Mutual's 10 available policy discounts.

Does Liberty Mutual Cover Roof Leaks?

Liberty Mutual home insurance will cover some roof leaks. Check your policy for details, but if your roof leak was caused by sudden and accidental circumstances, such as storm damage, and your home is generally kept in good condition, it may be covered. If your leaking roof is caused by poor maintenance, aging roofing materials, or bad workmanship, it may not be covered.


Investopedia is dedicated to furnishing consumers with unbiased, comprehensive reviews of homeowners insurance providers. We reviewed each company’s coverage options, available discounts, customer service, and satisfaction ratings to ensure that our content helps you make the right insurance decision for your needs.

Article Sources
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  2. Insurance Information Institute. "Facts + Statistics: Insurance Company Rankings."

  3. Liberty Mutual. "Home Insurance Discounts."

  4. NAIC. “Liberty Mut Ins Co National Complaint Index Report.”

  5. Liberty Mutual. "Home Insurance Discounts."

  6. AM Best. "AM Best Affirms Credit Ratings of Liberty Mutual."

  7. J.D. Power. "2023 U.S. Property Claims Satisfaction Study."

  8. Liberty Mutual. "Financial Strength Ratings Assigned to Liberty Mutual Group of Companies."