Not rated
Not rated
Liberty Mutual offers lots of discounts and a user-friendly digital experience, but it may fall short on customer service.
Coverage
About average
Discounts
Great set of discounts
NAIC complaints
More than expected
About Liberty Mutual renters insurance
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. You can also buy a policy online, so there’s no need to speak with an agent unless you want to.
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.
However, Liberty Mutual draws consumer complaints at a higher-than-average rate. That suggests not all policyholders are satisfied with their coverage.
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.
We make every effort to rate each company we review. However, we’re sometimes unable to provide a NerdWallet star rating when we’re missing key information for an insurer. In Liberty Mutual’s case, we don’t have average rate data that would allow us to assign an affordability score. For that reason, we’re unable to give the company a star rating.
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What Liberty Mutual renters insurance covers
Liberty Mutual renters insurance covers your stuff in case of scenarios like fire or theft. It also covers personal liability in case your dog bites someone or a guest gets hurt in your home. And if you can’t live at home during repairs after a covered claim, it can pay for a hotel. Learn more about what renters insurance covers.
Optional Liberty Mutual renters insurance 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. Pays 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.
What’s not covered
Liberty Mutual renters insurance doesn’t cover:
Damage from flooding, earthquakes or sinkholes.
Wear and tear.
Damage you cause on purpose.
Your roommate’s belongings (unless you add them to your policy)
» MORE: Flood insurance for renters
Where Liberty Mutual renters insurance is available
Liberty Mutual renters insurance is available in every state except California.
Availability may change at any time. Coverage may not be available to all renters in a given state.
» MORE: The cheapest renters insurance
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 a certain amount of time without filing a claim.
Getting a quote from Liberty Mutual before your current policy ends.
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Consumer satisfaction
Complaints: One strong sign of consumer satisfaction is how many people complain about their insurance company to state agencies. Liberty Mutual gets more than the expected number of home insurance complaints compared to other U.S. insurers.
We determined our complaint scores by analyzing three years' worth of data from the National Association of Insurance Commissioners. When comparing insurers, we accounted for company size and total premiums.
JD Power rating: Liberty Mutual renters insurance ranked below average for customer satisfaction in JD Power’s 2026 U.S. Home Insurance Study.
Online tools
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.
Mobile 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.
How to file a claim with Liberty Mutual
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 claim's progress through the Liberty Mutual website and app.
How to contact Liberty Mutual customer service
You can reach customer service at 844-629-8981.
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 evaluate renters insurance companies
👋 I’m Sarah Schlichter, a senior writer and content strategist covering renters insurance. I built NerdWallet’s renters insurance rubric and did the research for this page to evaluate companies. I gathered and analyzed data across four major categories:
Companies get better scores when they have consumer-friendly features and low rates of complaints.
Consumer complaints
We analyze the number of consumer complaints reported to the National Association of Insurance Commissioners. The higher the rate of complaints, the lower a company's score.
Digital tools
We look at how easy it is to interact with insurers by evaluating their digital tools, website and customer support methods. The best insurers have user-friendly features like online quotes and live chat.
Companies earn points based on how generous and customizable their policies are.
Coverage for personal property
Insurers that cover your belongings on a replacement cost basis by default get higher scores. Those with less generous actual cash value coverage score lower.
Optional coverage
For this category, we look at whether each company offers some of the most useful add-ons, such as extra coverage for valuables.
The more affordable a company's policies are, the better its score.
We evaluate the discounts a company offers and, when available, its median rates.
Companies score well when they have a healthy balance sheet.
We evaluate an insurer’s ability to pay future claims by using assessments from independent agencies such as AM Best and Demotech. The top renters insurance companies have financial strength ratings of A, A+ or A++.
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.JD Power. 2026 U.S. Home Insurance Study. Accessed Sep 23, 2026.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners from 2023 through 2025. 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.
