Liberty Mutual
Big national brand with plenty of discount options.- A variety of discounts can help you save.
- Robust website and app.
- Ranked below average for customer satisfaction in J.D. Power’s 2024 Home Insurance Study.
Choose Liberty Mutual home insurance if…
You’re looking for a big national insurer with a user-friendly website and many ways to save.
Why trust NerdWallet
Strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the financial products that work best for you. See our criteria for evaluating homeowners insurance.
More than 270 million rates analyzed by our team of specialists.
More than 50 insurance companies analyzed in all 50 states and Washington D.C. (See our top picks.)
About Liberty Mutual home insurance
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.
Get home insurance quotes in minutes
Answer a few questions to see custom quotes and find the right policy for you.How Liberty Mutual home insurance stacks up
Pros
- A variety of discounts can help you save.
- Robust website and app.
Cons
- Ranked below average for customer satisfaction in J.D. Power’s 2024 Home Insurance Study.
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.
State availability
Liberty Mutual home insurance policies are available in 46 states and Washington, D.C.
Availability may change at any time. Coverage may not be available to all homeowners in a given state.
- Find the best homeowners insurance in your state
Standard 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:
Dwelling. Pays to repair or rebuild the structure of your home.
Other structures. Covers damage to unattached structures such as sheds or fences.
Personal property. Pays to repair or replace personal belongings such as furniture or clothing.
Loss of use. Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.
Personal liability. Covers legal expenses and damages if you're responsible for injuries to other people or their property.
Medical payments. Covers injuries to guests in your home, regardless of fault.
For more details, see What Does Homeowners Insurance Cover?
Optional Liberty Mutual home insurance coverage
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.
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.
Extended replacement cost coverage for your dwelling, which gives you extra coverage for the structure of your home in case construction costs rise.
More Nerdy Perspective
Construction costs often go up due to increased demand for labor and building supplies after a disaster. That could leave you underinsured if your dwelling coverage limit isn’t high enough. Adding extended replacement cost coverage can offer a financial cushion.
What's not covered
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.
Get home insurance quotes in minutes
Answer a few questions to see custom quotes and find the right policy for you.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.
What Reddit users say about Liberty Mutual
Reddit is an online forum where users share their thoughts in “threads” on various topics, including financial subjects like home insurance. We used artificial intelligence to browse Reddit forums for posts about insurers, then manually sifted through the results and summed up consumer sentiment about each company. People post anonymously, so we cannot confirm their individual experiences or circumstances.
Reddit comments about Liberty Mutual home insurance are generally negative. Two of the most frequent complaints are about rate increases and policies being dropped. In particular, many Redditors said Liberty Mutual refused to renew their policies because of issues with their roofs, such as algae or moss. Some of them were able to fix the problems and keep their Liberty Mutual coverage, but others found insurance elsewhere.
Some Redditors report issues with Liberty Mutual’s customer service, including a phone system that’s difficult to navigate and claims that aren’t resolved smoothly.
Questions from Reddit: Our experts answer
Can Liberty Mutual drop my policy because of issues with my roof?
Yes. An insurance company can choose not to renew your homeowners policy if it determines that your home isn’t a good risk. Many insurers use aerial imagery to look at the homes they cover to be sure they’re well maintained. If they spot issues such as overhanging tree limbs or roofs in poor repair, they may ask you to fix these problems as a condition of keeping your coverage — or they may drop you altogether.
If you receive a notice of non-renewal, act quickly to make repairs or shop for other coverage. Learn more about home insurance non-renewal.
What can I do if I have a dispute with Liberty Mutual?
Any time you have a disagreement with your insurance company, try to address it directly with the company first. You can work with your agent or broker, if you have one, or call the company’s customer service team. If you’re unable to reach a satisfactory resolution, you can turn to your state’s department of insurance. After you file a complaint, the department can look into your issue to make sure the insurance company is following state law and the terms of your policy.
Digital experience
You can do a lot on the Liberty Mutual website, 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.
The Liberty Mutual app, available for both iOS and Android, enables you to sign documents electronically, file claims, enroll in autopay and check policy information.
How to file a claim with Liberty Mutual
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.
How to contact Liberty Mutual 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. 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. | |
- See all NerdWallet home insurance reviews
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.
Frequently asked questions
Does Liberty Mutual insure mobile homes?
Does Liberty Mutual insure mobile homes?
Liberty Mutual offers mobile home insurance through Assurant, a partner company. For more options, see NerdWallet’s guide to manufactured and mobile home insurance.
What other insurance does Liberty Mutual offer?
What other insurance does Liberty Mutual offer?
Liberty Mutual sells a wide variety of insurance policies, including auto, renters, boat, umbrella and life insurance. Learn more with our Liberty Mutual auto insurance review and Liberty Mutual renters insurance review.
Does Liberty Mutual homeowners insurance cover mold?
Does Liberty Mutual homeowners insurance cover mold?
Liberty Mutual home insurance doesn’t cover mold directly, but it does cover some causes of mold. If a covered incident leads to mold, your coverage and availability will vary by state. Learn more about how homeowners insurance covers mold.
Does Liberty Mutual homeowners insurance cover termite damage?
Does Liberty Mutual homeowners insurance cover termite damage?
No, a Liberty Mutual home insurance policy generally won’t cover damage from termites or other pests. Learn more about home insurance and termite damage.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.J.D. Power. 2024 U.S. Home Insurance Study. Accessed Jan 2, 2025.
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.
