Liberty Mutual
- Available in most states.
- User-friendly website and app.
- Variety of discounts available.
- Ranked below average in a recent J.D. Power customer satisfaction study.
About Liberty Mutual renters insurance
Liberty Mutual renters insurance earned 4.4 out of 5 stars for overall performance. Liberty Mutual offers standard renters coverage with a variety of potential discounts. The company's user-friendly website and app make it easy for consumers to manage their policy.
Best for: Renters who want to get quotes and manage their renters insurance online.
Not ideal for: Those who prioritize customer satisfaction when choosing an insurer.
Where Liberty Mutual stands out
Availability. Liberty Mutual renters insurance is available in most states. The company offers plenty of other products for those who want to bundle their renters with auto or other types of insurance.
Online presence. You can use Liberty Mutual’s website to get quotes and manage your policy, so there’s no need to speak with an agent unless you want to.
Discounts. Liberty Mutual offers many ways for renters to save money on their policy.
Where Liberty Mutual falls short
Customer satisfaction. Liberty Mutual had a lower-than-average customer satisfaction rating in a recent J.D. Power study.
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What Liberty Mutual renters insurance covers
Landlords sometimes require tenants to buy a policy with a minimum amount of liability insurance, but otherwise, the coverage you choose is generally up to you. Below are the four types of coverage included in most standard renters policies:
- Personal property
Personal property coverage can replace belongings such as furniture and electronics if they're stolen or damaged.
- Personal liability
Renters liability insurance pays out if you're responsible for injuring other people or damaging their property.
- Loss of use
Loss of use coverage pays for hotel stays, meals or other expenses if you have to live elsewhere while your home is repaired.
- Medical payments
Medical payments coverage pays to treat injuries to other people in your home, regardless of fault.
For more details, see What Does Renters Insurance Cover?
Optional coverage
Liberty Mutual offers a few types of coverage you can add to your policy:
Blanket jewelry coverage. Pays to replace your jewelry if it’s lost or stolen. Liberty Mutual doesn’t require a deductible or professional appraisal of your jewelry for this coverage.
Earthquake coverage for residents who live in areas at risk of earthquakes. This coverage includes damage caused by aftershocks up to 360 hours (15 days) after the initial earthquake.
Replacement cost coverage. Reimburses enough to buy brand-new replacements for items stolen or destroyed in a covered claim. A standard policy pays the actual cash value of your items, which includes deductions for older items that have lost value over time.
Identity theft coverage. Can pay lost wages and attorney fees as you recover your identity. It can also help you monitor your credit.
Most renters insurance policies don’t cover flood damage. If your home is at risk, you might want to consider buying flood insurance for renters.
Discounts
Depending on where you live, you may be eligible to save on your renters insurance by:
Buying more than one policy from Liberty Mutual.
Signing up for automatic premium payments.
Buying your policy on the Liberty Mutual website.
Going at least five years without filing a claim with your previous insurer.
Getting a quote from Liberty Mutual before your current policy ends.
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Consumer complaints and 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. NAIC home insurance complaints cover various policy types, including homeowners, renters, mobile home and condo insurance.
J.D. Power rating: Liberty Mutual renters insurance ranked below average for customer satisfaction in J.D. Power’s 2025 U.S. Home Insurance Study.
Where Liberty Mutual renters insurance is available
Liberty Mutual renters insurance is available in every state except Alaska, California, North Dakota, South Dakota and Wyoming.
Availability may change at any time. Coverage may not be available to all renters in a given state.
» MORE: The cheapest renters insurance
Consumer experience
Website: Liberty Mutual’s website is easy to use and offers an online quote tool. You can also use the website to buy and manage your policy, set up automatic payments, and file and track claims.
App: Liberty Mutual’s mobile app is available for Android and iOS. You can use the app to file a claim, enroll in autopay and see coverage details.
Claims: You can file a claim online or through the Liberty Mutual app. After you’ve filed your claim, a representative will reach out to you within two business days. You can track your claims progress through the Liberty Mutual website and app.
Customer service: You can reach customer service at 844-629-8981. Sign into your online account to manage your policy and get help 24/7.
Other renters insurance companies to consider
Not ready to make a decision? You may be interested in these other renters insurance companies:
Other Liberty Mutual products
NerdWallet's reviews of other Liberty Mutual insurance products can help you find the right coverage for your needs:
How we review renters insurance
Our editorial team considers these factors when reviewing renters insurance companies:
- 📞 Customer experience
This rating is based primarily on consumer complaints to state regulators, as reported by the National Association of Insurance Commissioners. We also evaluate whether companies have customer-friendly features such as online claims filing and quotes.
- 🛡️ Coverage
We look at how companies cover your personal belongings and how many common optional endorsements they offer.
- 💲Affordability
We evaluate the discounts a company offers and, when available, its median rates.
- 🏦 Financial strength
We use AM Best and Demotech ratings to confirm each insurer’s long-term financial stability and ability to pay claims.
See our complete renters insurance rating methodology.
Why you can trust NerdWallet
In our research, we analyzed:
More than 175 million renters insurance rates.
More than 100 insurance companies.
More than 150 renter profiles.
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.
Frequently asked questions
How can I contact Liberty Mutual?
How can I contact Liberty Mutual?
You can call Liberty Mutual customer service at 844-629-8981.
What other types of insurance does Liberty Mutual offer?
What other types of insurance does Liberty Mutual offer?
Besides renters insurance, Liberty Mutual offers many other types of policies, including:
Auto.
Motorcycle.
Boat and watercraft.
Condo.
Umbrella.
How do I get a renters quote from Liberty Mutual?
How do I get a renters quote from Liberty Mutual?
You can get a quote online or by calling 800-295-1739.
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. 2025 U.S. Home Insurance Study. Accessed Dec 16, 2025.
Renters insurance star ratings methodology
NerdWallet’s renters insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including affordability, financial strength, consumer experience and coverage options. 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 renters insurance rating methodology.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners from 2022 through 2024. 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.
