Liberty Mutual renters insurance review

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

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Colin LalleyColin LalleyContent Director, Home & Auto InsuranceColin Lalley is the content director for home and auto insurance at Policygenius, where he leads our property & casualty editorial teams. His insights have been featured in Inc. Magazine, Betterment, Chime, Credit Seasame, Zola, and the Council for Disability Awareness.

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

Basics

Renters Insurance Provider

Liberty Mutual

Founded

1912

A.M. Best

A

S&P

BBB

Ratings

Consumer Affairs

3.5/5

J.D. Power Overall Customer Satisfaction

2/5

J.D. Power Claims Process Satisfaction

3/5

Base policy features

Replacement Value Available

Yes

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 Coverage

20% of personal property coverage

Off-Premise Coverage

Yes

Peril Type Coverage

Named

Purchase Online

Yes

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*Based on New York availability

Optional add-on features

Schedule High-Value Items Online

No; must contact customer service/ agent

Types of Valuable Coverage

N/A

Increase Computer Category Coverage Limits Online

Yes

Increase Jewelry Category Coverage Limits Online

Yes

Identity Theft

Yes

Earthquake Coverage

No

Water back-up of Sewers and Drains

Yes

Multi-policy Discounts

Yes

Home Safety Discounts

Yes

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