Liberty Mutual
- 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.
About Liberty Mutual home insurance
Liberty Mutual homeowners insurance earned 4.1 out of 5 stars for overall performance.
One of the largest home insurers 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.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.
What Liberty Mutual home insurance covers
These types of home insurance coverage generally come standard:
- Dwelling
Dwelling coverage pays to repair or rebuild the structure of your home after a covered event. It also covers attached structures, such as porches.
Typical amount: Enough to rebuild your home.
- Other structures
Other structures coverage pays to repair or rebuild stand-alone structures on your property, such as a fence or shed.
Typical amount: 10% of dwelling coverage.
- Personal property
Personal property coverage pays to repair or replace stolen or damaged belongings. Personal property coverage comes in one of two options: actual cash value or replacement cost.
Typical amount: 50-70% of dwelling coverage.
- Loss of use
Loss of use coverage, sometimes known as additional living expenses coverage, helps pay temporary living expenses while your home is being repaired. This can cover hotel stays, home rentals and meals.
Typical amount: 20% of dwelling coverage.
- Personal liability
Personal liability coverage pays if you injure someone or cause property damage unintentionally or through neglect.
Typical amount: $100,000 to $500,000.
- Medical payments
Medical payments coverage pays to treat someone injured on your property, regardless of who’s at fault. It also pays if you, a family member or a pet injures someone away from your home.
Typical amount: $1,000 to $5,000.
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. Pays for legal expenses and provides advice if you’re a victim of identity theft.
Blanket jewelry coverage. Pays out if your jewelry is lost or stolen, with no deductible or upfront appraisal.
Inflation protection. Entitles you to a premium discount and involves regular adjustment of your coverage limits at renewal time.
Replacement cost coverage. 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. Pays for damage due to backup or overflow from sewers, drains and sump pumps.
Personal injury liability coverage. Helps with legal expenses and damages if someone sues you for things like libel, slander or invasion of privacy.
Ordinance or law coverage. Pays to bring your home up to current building codes during rebuilding or repairs.
Extended replacement cost coverage for your dwelling. 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.
Home-based businesses.
Liberty Mutual may offer optional coverage for some of these scenarios.
Where Liberty Mutual home insurance is available
Liberty Mutual home insurance policies are available in 45 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
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.
Enrolling in autopay for your premiums.
Signing up for paperless billing.
Insuring the full cost to replace your home.
Get home insurance quotes in minutes
Answer a few questions to see custom quotes and find the right policy for you.Consumer satisfaction
Complaints: One strong sign of consumer satisfaction is how many people complain about their insurance company to state agencies. Liberty Mutual gets a middling score on this measure, drawing an average proportion of home insurance complaints compared to other U.S. insurers.
How we determined our complaint scores We analyzed three years' worth of complaint data from the National Association of Insurance Commissioners. When comparing insurers, we accounted for company size and total premiums.
Third-party ratings: Liberty Mutual was ranked above average in J.D. Power’s 2025 Property Claims Satisfaction Study. However, it came in below average for customer satisfaction in J.D. Power’s 2024 U.S. Home Insurance Study.
- What Reddit users say about Liberty Mutual home insurance
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.
How to file a claim with Liberty Mutual
You can file and track home insurance claims on the Liberty Mutual website or through the insurer’s app. You can also call 800-225-2467.
Here are some key things to remember when filing a home insurance claim:
Document the damage. Take photos and create an inventory of damaged items. Provide details like labels and model numbers if possible, especially for more expensive items. Once you've documented the damage, you can make temporary repairs if it's safe to do so.
File your claim as soon as possible. This is especially important if the damage was caused by a storm, as it likely means other homes in the area were also affected.
Save your receipts. You may end up spending money on temporary repairs or living expenses before getting a payment from your insurance company. Keep all receipts so you can submit them for reimbursement later.
For more information, see how to file a home insurance claim.
How to contact Liberty Mutual customer service
For live support, call Liberty Mutual at 844-629-8981. You can also contact a local agent.
Online tools
Website: 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.
App: 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.
Liberty Mutual home insurance vs. competitors
Liberty Mutual home insurance vs. State Farm
The main differences between Liberty Mutual and State Farm are:
Coverage. State Farm's default coverage is more generous than Liberty Mutual's. State Farm’s standard insurance policies come with extended replacement cost coverage, which extends your dwelling coverage up to 20% over your chosen limit. Liberty Mutual charges extra for this.
Perks. Liberty Mutual offers wildfire protection services for policyholders in select states. Meanwhile, State Farm gives policyholders a free Ting smart device to monitor their home for electrical issues that could lead to fires.
Read our State Farm homeowners insurance review for more details.
Liberty Mutual home insurance vs. Progressive
The main difference between Liberty Mutual and Progressive is that Liberty Mutual sells its own home insurance 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.
Read our Progressive home insurance review for more details.
- 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 consumer experience, coverage, discounts and financial strength.
In our research, we analyzed:
More than 270 million homeowners insurance rates.
More than 100 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.
Can Liberty Mutual drop my policy because of issues with my roof?
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?
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.
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 Sep 8, 2025.
- 2.J.D. Power. 2025 U.S. Property Claims Satisfaction Study. Accessed Sep 8, 2025.
Star rating 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, claims process and website functionality. 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 or star ratings.
Here’s how we weighted each category to come up with our list of the best home insurance companies:
Consumer experience (40%).
Financial strength (30%).
Coverage (25%).
Discounts (5%).
Read our full home insurance ratings methodology for more details.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare with 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.
