Liberty Mutual Homeowners Insurance Review 2023

Liberty Mutual offers homeowners insurance with plenty of ways to save.
Sarah Schlichter
By Sarah Schlichter 
Edited by Caitlin Constantine

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Liberty Mutual


NerdWallet rating 
Big national brand with plenty of discount options.

Coverage options

More than average


Great set of discounts

NAIC complaints

Close to expected

Liberty Mutual


NerdWallet rating 
Big national brand with plenty of discount options.

Coverage options

More than average


Great set of discounts

NAIC complaints

Close to expected

The fourth-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. Liberty Mutual home insurance is sold across the country.

Our star ratings are based on consumer complaint data from the National Association of Insurance Commissioners; financial strength grades from AM Best; coverage and discounts available; and the overall consumer experience. See our criteria for evaluating home insurance companies.

Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy in order to help you choose the financial products that work best for you. Here is a list of our partners and here’s how we make money.

Liberty Mutual home insurance star rating


NerdWallet rating 

Liberty Mutual homeowners insurance earned 4 out of 5 stars for overall performance. NerdWallet’s ratings are determined by our editorial team. The homeowners insurance scoring formula takes into account policy coverage options and discounts, ease of filing a claim, website transparency, the financial strength of the company, complaint data from the National Association of Insurance Commissioners and more.

State availability

Liberty Mutual home insurance policies are available in all 50 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 a shed or fence.

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.

Medical payments

Covers injuries to guests in your home, regardless of fault.

Depending on where you live, you may be able to add other types of coverage onto a standard Liberty Mutual homeowners policy, including:

  • Identity theft insurance, which pays for legal expenses and provides a counselor 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 pump wells.

  • 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.


Depending on your state, you may qualify for home insurance discounts for:

  • Bundling home and auto coverage.

  • Filing no claims with your previous insurer for five years.

  • Filing no claims with Liberty Mutual for 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.

  • Buying a policy online.

  • Having smart-home devices that prevent damage from water, fire or theft.

Consumer complaints

Liberty Mutual received close to 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. (NAIC home insurance complaints also cover other home policy types, including mobile home, renters and condo insurance.)

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 enter your ZIP code on the home page and find someone near you.

App: Available for both iOS and Android, the Liberty Mutual app enables you to sign documents electronically, pay bills, file claims, sign up for 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 or send a text to 80361. You can also contact a local agent.

Where Liberty Mutual stands out

Discounts. Liberty Mutual provides many ways to save on your policy.

Text assistance. You can contact the company in the usual ways — calling an agent or the company's 800 number — but you can also text to get assistance.

Where Liberty Mutual falls short

Consumer satisfaction. Liberty Mutual was ranked below average for customer satisfaction in J.D. Power’s 2022 U.S. Home Insurance Study.

Liberty Mutual vs. competitors

Liberty Mutual vs. State Farm home insurance

The biggest difference between Liberty Mutual and State Farm home insurance is the way they cover the structure of your home. As long as you choose a dwelling coverage limit that matches State Farm’s estimated cost to rebuild your home, the company will extend your limit by up to 20% more. That way you’ll have a cushion if rebuilding costs more than expected.

Liberty Mutual offers this type of coverage as well, but you’ll need to pay extra for it.

Both State Farm and Liberty Mutual are among the biggest home insurers in the U.S., each with a long slate of coverage options. However, Liberty Mutual advertises more potential discounts.

To learn more, read our State Farm home insurance review.

Liberty Mutual vs. Progressive home insurance

The key difference between Liberty Mutual and Progressive home insurance is that 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. Meanwhile, Liberty Mutual will exclusively show its own policies.

Both Liberty Mutual and Progressive offer bundling discounts if you purchase home insurance with another policy, such as auto. They also both offer a variety of ways to customize your coverage — though in Progressive’s case, your options depend on which third-party insurer you choose.

Get more details in our Progressive home insurance review.

Is Liberty Mutual home insurance right for you?

With its widespread availability, user-friendly website and many ways to save, Liberty Mutual is worth considering for a broad spectrum of homeowners.

Other home insurance companies to consider

Not ready to make a decision? You may be interested in these other homeowners insurance companies:

  • Allstate. One of the largest insurers in the country, with lots of coverage options.

  • Farmers. Offers perks such as diminishing deductibles and claims forgiveness.

  • Nationwide. For homeowners seeking a broad range of coverage and discounts.

  • Travelers. Has features that may appeal to eco-conscious homeowners.

Frequently asked questions

Liberty Mutual offers mobile home insurance through Assurant, a partner company. For more options, see NerdWallet’s guide to manufactured and mobile home insurance.

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.

Liberty Mutual home insurance doesn’t cover mold directly, but it does cover some causes of mold. If a covered disaster leads to mold, you may have coverage up to $5,000 in most states. Learn more about how homeowners insurance covers mold.

No, a Liberty Mutual home insurance policy won’t cover termite damage, nor can you buy any endorsements to add the coverage. However, if your home collapses due to hidden termite damage that you didn’t know about, Liberty Mutual might cover it.


Homeowners insurance 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 2019-2021. 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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