3.8 / 5

Liberty Mutual homeowners review

Liberty Mutual provides basic homeowners coverage and great discounts, but there aren’t many standout offers for your standard coverage and customer satisfaction seems middling.

Tim TorresHaley Sprankle


Tim Torres

Tim Torres

Reviews Editor

Tim Torres is a reviews editor at Policygenius, where he specializes in life insurance, homeowners insurance, auto insurance, and more. His work has also appeared in PC Mag, Tom's Guide, Tech Times, and elsewhere.

&Haley Sprankle

Haley Sprankle

Reviews Editor

Haley Sprankle is a former reviews editor at Policygenius who specializes in homeowners and auto insurance. Previously, she was a writer at Wirecutter and The New York Times.

Updated|5 min read

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Liberty Mutual





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    Long list of discounts

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    Optional inflation protection coverage

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    High financial ratings


    X mark

    Best coverage features are optional

    X mark

    Mixed customer satisfaction ratings


Liberty Mutual enjoys high marks from financial credit rating agencies and offers services in every U.S. state. If you want a basic home insurance policy, Liberty Mutual has got you covered with great discounts to lower your premium, an option to protect your limits against inflation, and 24/7 claims service. However, when it comes time to process a claim, your mileage may vary according to mixed customer satisfaction scores.


Average annual premium cost for a medium-sized home.


Financial confidence

Financial ratings from credit rating agencies.


Third-party ratings

Satisfaction from consumer sentiment institutions and complaints to state insurance boards.


Policy options

Both the quality and number of coverage options, like unique homeowners insurance product tiers and availability of certain coverage endorsements.


Customer experience

Ease of use, convenience, availability, and claims ratings.


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The details

The good

Long list of discounts. On top of affordable premiums, Liberty Mutual has a large selection of discounts that can push prices down even further. 

Optional inflation protection coverage. With this coverage add-on, Liberty Mutual can automatically adjust your coverage limits at policy renewal to keep up with inflation. 

High financial ratings. A.M. Best, Moody’s, and Standard and Poor’s all give Liberty Mutual high scores for financial stability. Makes sense, given they’re one of the oldest and largest insurers out there. 

The bad

Best coverage features are optional. Liberty Mutual provides a basic HO-3 home insurance policy, but all additional coverages have to be added at an extra cost. However, that uptick in rates could potentially be offset with Liberty Mutual’s decent selection of discounts. 

Mixed customer satisfaction. Unfortunately, policyholders are not satisfied with Liberty Mutual’s claims handling, according to customer review sites such as Trustpilot and Consumer Affairs. Of course, your experience as a customer will vary. 


Average annual premium cost for a medium-sized home.


We couldn't rate Liberty Mutual on its pricing since we don't have access to quote data as of January 2022. We'll update this score as soon as that information  becomes available. The current price score is based on available discount opportunities alone.


You can drive your costs down lower by taking advantage of Liberty Mutual’s 11 potential discounts. Liberty Mutual applies discounts for bundling your home and car insurance, making updates to your property, and going without a claim with your previous insurer for five years or more. 

  • Multi-policy discount. Save on your premiums when you bundle home and auto insurance with Liberty Mutual

  • Automatic payment discount. Sign up for automatic payment with your bank account, get a discount

  • Claims-free discount. Save if you have not filed a claim with your previous insurer for five-plus years

  • Early signing discount. Receive a Liberty Mutual quote before your current policy expires and receive a discount

  • Homebuyer discount. If you’re a new house owner, you can get a discount

  • Insured to value discount. Get a discount if you insure up to 100 percent of the cost to replace your home

  • New roof discount. A recently replaced roof can get you a discount 

  • Online purchase discount. Get a discount when you buy your policy online

  • Paperless discount. Go all-digital and save

  • Renovation discount. You can save more if your home was built or renovated recently

  • Safe homeowner discount. If your Liberty Mutual policy remains claims-free for three years, you could save 

Financial confidence

Financial ratings from credit rating agencies.


Liberty Mutual has solid financial standing, according to the leading credit rating agencies. They’ve been around over 100 years, and they’re the third-largest property and casualty insurer in the United States. Plus, all three major financial credit firms give them high ratings. With Liberty Mutual, your home will be safely insured.

  • A.M. Best rating: A

  • Moody's rating: A2

  • Standard & Poor's rating: A

A.M. Best is a credit rating agency that focuses exclusively on the insurance industry. An A rating (effective January 14, 2022) from them means Liberty Mutual is highly likely to fulfill their financial obligation to you when it’s time to file a claim.

Moody's analyzes the value of stocks and bonds with companies and what the expected losses would be if a company were to go into default. An A2 rating means Liberty Mutual is a solid investment and a low credit risk.

Standard & Poor's measures a company’s creditworthiness and long-term financial stability. An A rating means Liberty Mutual is in strong financial health.

Third-party ratings

Satisfaction from consumer sentiment institutions and complaints to state insurance boards.


While Liberty Mutual enjoys high scores from the financial experts, their customer satisfaction ratings could be a bit higher. As it stands, Liberty Mutual has pretty good ratings with customer review site Consumers Advocate and a low amount of complaints according to the National Association of Insurance Commissioners (NAIC). But it only has a so-so showing in its Consumer Affairs rating. 

Here’s the full breakdown:

Here’s the full breakdown: 

  • Consumer Affairs: 3.3 / 5

  • Consumers Advocate: 4.5 / 5

  • Trustpilot: 1.3 / 5

  • NAIC complaint index: 0.79

Consumer Affairs lets customers directly rate carriers. The users on that site are somewhat satisfied with Liberty Mutual, and give them a 3.3 out of 5. 

Consumers Advocate is a third-party review site that rates companies based on stability, reputation, and policy coverage. Liberty Mutual has a score of 4.5 out of 5.

Trustpilot is another customer rating site. They’re much less satisfied with an overall score of 1.3 out of 5. However, it’s important to note that this rating is for Liberty Mutual as a whole, not just the homeowners insurance product.

The National Association of Insurance Commissioners tracks the number of complaints people submit to state insurance departments. A score of 1 is the baseline average, and a score of zero means there weren't enough complaints to count. Liberty Mutual’s score of 0.79 means they received less complaints than the average company.

Policy options

Both the quality and number of coverage options, like unique homeowners insurance product tiers and availability of certain coverage endorsements.


Liberty Mutual offers only the standard coverages, including dwelling, personal liability, personal property coverage, and medical payments coverage. Basically, what you get in any basic HO-3 policy. That includes:

  • Dwelling coverage. This covers the cost to rebuild or repair your home in the case of a covered incident.

  • Other structures coverage. If you have a shed in your backyard, or a detached garage, this coverage ensures its repair and replacement after a covered incident.

  • Personal property coverage. Extensive coverage of personal property and belongings for protection against fire, theft, and other losses.

  • Additional living expenses. If you have to stay elsewhere while your home is being repaired, this covers the cost of things like lodging, food, and travel.

  • Personal liability coverage. If someone gets hurt, or if a visitor’s property is damaged, while on your property, this will pay for medical and legal expenses.

  • Medical expenses. If a guest is injured at your home and requires medical attention, this covers their medical bills.

There are several add-ons you can include on your Liberty Mutual policy, including identity fraud protection, which covers attorney fees, lost income, and other costs in case your identity is stolen; jewelry coverage for any precious stones or gems that go missing; and inflation protection, which automatically adjusts your coverage limits to keep up with inflation. 

Here are the add-ons you can choose from: 

  • Fine jewelry protection. Liberty Mutual will provide you with coverage for lost or stolen jewelry. 

  • Flood and earthquake protection. Coverage for your property in the event of damage done by a flood or hurricane. 

  • Inflation protection. This automatically adjusts your coverage limits to keep pace with inflation.

  • Replacement cost for personal property. In case your TV gets damaged or stolen, Liberty Mutual will cover the cost of a new one to replace it instead of its depreciated value.

  • Water backup coverage. If your sump pump backs up, or your sink overflows and causes water damage to your floors, this coverage will help take care of any related costs. 

Note: The information above represents potential policy options and may not be available for every applicant. Speak to a licensed expert for a personalized look at your coverage options.

Customer experience

Ease of use, convenience, availability, and claims ratings.


Liberty Mutual makes it pretty easy to receive a quote, apply, and manage your policy online. You can also use a mobile app to view and change policy information, pay your bill, or report a  claim. There’s a 24-hour claims assistance service, too, which you can call or use online. 

Liberty Mutual will also connect you with a contractor for repairs if you have a covered loss, and they’ll help you find alternative housing in the event of a catastrophic loss.

State availability

Homeowners insurance with Liberty Mutual is available nationwide.

Digital tools

  • Online application

  • Instant quote

  • Online bill pay and policy management

  • Mobile app

  • FAQ and blog resources

Ease of claims

You can file claims online a few ways — by phone, online, or through the mobile app. Once you’ve filed, you're assigned a claims advocate who manages your claim from beginning to end.

Additional claims service

  • 24/7 claims service

  • 24/7 repair service

  • Dedicated claims representative

Payment methods

  • Online via bank account, credit, or debit card

  • Phone

  • Mail

  • Autopay

  • Payroll deduction

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