Liberty Mutual renters insurance review

Find out how Liberty Mutual stacks up when it comes to renters insurance.

Liberty Mutual

The longstanding Liberty Mutual, founded way back in 1912, advertises renters insurance policies starting at $20 a month.


Renters Insurance ProviderLiberty Mutual
A.M. BestA


Consumer Affairs3.5/5
J.D. Power Overall Customer Satisfaction2/5
J.D. Power Claims Process Satisfaction3/5

Base policy features

Replacement Value AvailableYes
Deductible Options$100, 250, $500, $1,000, $2,500, $5,000
Personal Property Coverage$15,000 and up
Personal Liability$100,000, $200,000, $300,000, $500,000, $1,000,000
Medical Payments to Others$1,000, $2,000, $3,000, $5,000
Loss of Use Coverage20% of personal property coverage
Off-Premise CoverageYes
Peril Type CoverageNamed
Purchase OnlineYes

*Based on New York availability

Optional add-on features

Schedule High-Value Items OnlineNo; must contact customer service/ agent
Types of Valuable CoverageN/A
Increase Computer Category Coverage Limits OnlineYes
Increase Jewelry Category Coverage Limits OnlineYes
Identity TheftYes
Earthquake CoverageNo
Water back-up of Sewers and DrainsYes
Multi-policy DiscountsYes
Home Safety DiscountsYes