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Liberty Mutual was founded in 1912 as a workmen's compensation insurance association under the name The Massachusetts Employees' Insurance Association. Headquartered in Boston, Massachusetts, Liberty Mutual currently offers a wide variety of products including auto, home, and life insurance. Homeowner's insurance through Liberty Mutual, covering both physical property and liability, is offered in all 50 states.

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The Good

  • Discounts
  • Online Tools

Discounts

Liberty Mutual offers a greater and more diverse selection of discounts (including bundling options) than several competitors. In addition to multiple policy discounts they also offer the following options:

  • Claims-free discount
  • Protective devices discount
  • Newly purchased home discount
  • Safe homeowner discount
  • Early shopper discount
  • Insured to value discount
  • New/renovated home discount

Online Tools

Liberty Mutual provides a unique online tool called the Coverage Compass. It allows customers to easily evaluate their coverage by viewing a list of what is and is not covered. Customers may also receive quotes if they desire to increase their coverage.

Liberty Mutual also provides a home insurance coverage calculator. This allows customers to see how specific factors can influence coverage and make informed choices about policies. In addition, customers may manage their accounts and report claims online.

The Bad

  • Limited Additional Coverages
  • Lack of Transparency

Limited Additional Coverages

Liberty Mutual offers standard coverage, which covers the dwelling, personal possessions and liability. Customers who need additional coverage can purchase the Home Protector Plus option. They also have additional coverage for valuables and offer inflation protection. Many other insurance providers offer more specific additional coverages. Other companies may help customers create a plan that more specifically meets their needs.

Lack of Transparency

Liberty Mutual's website does not provide specific details about what damages are covered. Customers must contact Liberty Mutual to find more specific information. They also do not offer educational materials for new homeowners.

The Bottom Line

Liberty Mutual offers a variety of discounts. They also have many useful online tools and allow customers to easily receive quotes. Customers need to speak directly with Liberty Mutual to find rates and see if discounts are comparable to other companies.

New homeowners should search elsewhere for educational materials. Consumers with general insurance needs may be satisfied with this company, however, those with specific coverage needs will probably find better policies with other companies.

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User Reviews

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5 Reviews

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Mia Hernandez
December 13th, 2018 Tempe, AZ

so im one of those people that likes to explore there options before actually committing to anything having a conversation to make sure i know exactly what im getting into now i seen all there commercials and was honestly intrigued but when i called to get more information the agent i spoke to was very pushy and kind of rude when they realized i wasn't ready to join in/sign up honestly if it wasnt for how i was treated initially when calling in i probably would have been more interested 1st impressions are EVERYTHING!

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Fernando Delgado
December 5th, 2018 Tempe, AZ DETAILS
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Very good customer service and very easy to sign up also one of the best prices after calling different homeowner insurance.

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Lisa Hanson
November 5th, 2018 Calabasas, CA DETAILS
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Attentive and easy to contact. Good rates with group plan. They left California so we had to switch companies.

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Spencer Hodgson
July 16th, 2018 Salt Lake City, UT

They pay out more claims than anyone else. For most occasions they'll even pay you the next day.

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L
July 9th, 2018 Gilbert, AZ

We have never had to file a claim yet, but the rates and coverage for home insurance has always been good. We have had Liberty Mutual for about 6 years.

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