The bottom line
Liberty Mutual is a good option for homeowners nationwide who are looking for a robust lineup of policy add-ons, including guaranteed replacement cost coverage, water backup protection, inflation guard coverage, and flood insurance through the National Flood Insurance Program. It also offers nearly a dozen discounts to lower your home insurance rates. But it doesn’t have the best customer experience scores — and it received triple the number of complaints than other insurance companies of its size in 2021.
10+ discounts available to lower rates
Offers water backup coverage, inflation protection, and flood insurance
Available in all 50 states and Washington, D.C.
Basic coverages offered
Liberty Mutual home insurance policies include these six standard coverages to protect your home, belongings, and personal liability:
Dwelling coverage: Pays to repair or rebuild the structure of your home after a covered loss.
Other structures coverage: Pays to repair or rebuild other structures on your property not connected to your home, including detached garages, storage sheds, and fencing.
Personal property coverage: Pays to repair or replace your personal belongings after a covered loss, including furniture, clothing, tech gadgets, and other stuff you own.
Loss of use coverage: Pays for hotel stays, restaurant bills, pet boarding fees, and other temporary living expenses after a covered loss if you need to live elsewhere while your home is being rebuilt.
Personal liability coverage: Pays for legal and medical expenses if someone is injured or their belongings are damaged while at your home and you’re found legally responsible.
Medical payments coverage: Pays for small-dollar medical bills if someone is injured while at your home — regardless of who is at fault.
Additional coverages offered
The following coverages are either included or can be added to your Liberty Mutual homeowners insurance policy for an additional cost:
Guaranteed replacement cost for your home: Pays the full cost to replace or rebuild your home after a covered loss — regardless of your policy limits.
Replacement cost for personal property: Pays to replace your personal belongings with new items, regardless of depreciation or wear and tear.
Blanket personal property coverage: Increases coverage limits for everything in a category of items, like jewelry, firearms, or computers.
Water backup: Protects your home and belongings from water damage caused by a sump pump overflowing or clogged sewer.
Inflation protection: Automatically adjusts your coverage limits at your policy’s renewal to keep pace with rising labor and material costs due to inflation.
Loss assessment: Pays up to $1,000 for your share of what's owed to your homeowners association after a collective loss is filed against members.
Home computer and smartphone: Covers the cost to repair or replace your home computer and smartphone after a covered loss.
Debris removal: Covers the cost to remove debris after a disaster.
Landscaping: Pays to replace plants, shrubs, and trees — up to $500 per item — after a covered loss.
Freezer food spoilage: Covers spoiled food if your refrigerator or freezer stops working due to a power outage or breakdown.
Fire department service charge: Reimburses you for service charges up to $500 if the fire department is called to your home.
Credit or debit card, forgery, or counterfeit money: Covers up to $500 in loss resulting from the unauthorized use of your credit or debit cards.
Flood insurance: Liberty Mutual offers flood insurance coverage through the National Flood Insurance Program (NFIP), a government program run by the Federal Emergency Management Agency (FEMA).
Personal umbrella insurance: Provides additional liability protection for expensive medical or legal bills you’re found legally responsible for.
Identity theft insurance: If your identity is stolen, Liberty Mutual will help cover the cost of legal fees, lost wages, and other expenses you incur during the recovery process.
Mobile home insurance: Insures your manufactured or mobile home with the standard coverages listed in the above section.
Renters insurance: Includes coverage for the personal belongings in your rental home or apartment against fire, vandalism, theft, windstorms, and water damage, as well as personal liability and loss of use coverage.
Condo insurance: Purchased as a supplement to your condo association’s master policy, condo insurance covers your personal belongings, the interior structure of your condo unit, and personal liability.
Landlord insurance: Covers your rental property against fire, windstorms, and other covered perils. It also includes loss-of-rent coverage if your rental property becomes uninhabitable after a covered loss, as well as liability coverage if a tenant or visitor is hurt on your property and files a lawsuit.
Liberty Mutual home insurance rates weren’t available, which is why our price rating only factors in the 11 home insurance discounts available with Liberty Mutual.
Liberty Mutual earns a fair score on our customer experience rating scale. While it ranked No. 6 in J.D. Power’s 2022 claims satisfaction study, it received below-average marks in J.D. Power’s overall customer satisfaction and digital experience surveys. Liberty Mutual also received three times more complaints than similar insurance companies of its size in 2021, according to the National Association of Insurance Commissioners (NAIC) Complaint Index Report.
Liberty Mutual earns a high score on our coverage options rating scale thanks to the slew of coverages you can add on to your policy, including guaranteed replacement cost coverage for your home, water backup and inflation protection, and flood insurance through the National Flood Insurance Program.
Liberty Mutual earns a respectable A rating with AM Best, meaning it’s in a good financial position to pay out claims in the wake of a disaster. However, its average A rating with Standard & Poor’s and A2 rating with Moody’s brings its financial strength score down slightly.
How much does Liberty Mutual home insurance cost?
The cost of home insurance with Liberty Mutual will vary depending on a variety of factors, including:
Where you live
Your home’s age, condition, and claims history
Discounts you qualify for
Your coverages and policy limits
Your credit score
What discounts does Liberty Mutual offer?
You can save on the cost of Liberty Mutual homeowners insurance if you qualify for any of these discounts:
Multi-policy: If you bundle your home insurance with a Liberty Mutual auto insurance policy.
Claims-free: If you haven’t filed a home insurance claim in at least five years.
Safe homeowner: If your policy remains claims-free with Liberty Mutual for three years.
Early shopper: If you receive a Liberty Mutual home insurance quote before your current policy expires.
Newly purchased home: If you recently purchased a home.
New or renovated home: If your home is a new build or was recently renovated.
New roof: If you recently purchased a new roof.
Insured to value: If you insure up to 100% of the cost to rebuild your home.
Preferred payment: If you enroll in automatic payments from your bank account.
Paperless policy: If you sign up for an e-policy with paperless terms and conditions.
Inflation protection: If you sign up for Liberty Mutual’s optional inflation protection.
Liberty Mutual home insurance state availability
Liberty Mutual offers home insurance policies in all 50 states and Washington, D.C.
What to expect with Liberty Mutual home insurance
How to get a quote: You can get a Liberty Mutual home insurance quote online through Liberty Mutual’s website, by calling 800-295-2723, or by contacting a local Liberty Mutual agent.
Customer service options: You can get in touch with a Liberty Mutual customer service rep by calling 800-290-8711 or logging in to your Liberty Mutual account online or through its mobile app.
How to file a claim: You can file a Liberty Mutual homeowners insurance claim by logging in to your Liberty Mutual account online or through its mobile app, or by calling 800-225-2467.
How to cancel your policy: You can cancel your Liberty Mutual home insurance policy by calling 800-290-8711.
Liberty Mutual vs. other home insurance companies
Compare Liberty Mutual home insurance to other popular insurers in the industry:
Frequently asked questions
Is Liberty Mutual homeowners insurance good?
Liberty Mutual is a good homeowners insurance company if you’re looking for a financially solid insurer who offers comprehensive policy add-ons, including water backup, inflation guard, and flood protection. But it doesn’t have the best customer satisfaction ratings. And it received three times the number of complaints in 2021 compared to other home insurance companies of its size.
What is the Liberty Mutual home insurance phone number?
The Liberty Mutual home insurance phone number is 800-290-8711.
How do I get a Liberty Mutual mobile home insurance quote?
You can get a Liberty Mutual mobile home insurance quote online, by calling 800-295-2723, or by contacting a local Liberty Mutual agent.
Jennifer Gimbel is a senior managing editor and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.
Ian Bloom, CFP®, RLP®, is a certified financial planner and a member of the Financial Review Council at Policygenius. Previously, he was a financial advisor at MetLife and MassMutual.
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