Liberty Mutual Logo
star star star star star_border

5.8

Overall Score

LAST UPDATED: January 16th, 2023

Founded in 1912, Liberty Mutual is a dependable insurance provider. It has earned high financial strength ratings and offers competitive home insurance. It stands out for offering hurricane coverage and the ability to protect your coverage limits against inflation.

Policyholders also benefit from a convenient claims process that includes virtual claims reviews.

Although Liberty Mutual customer reviews are limited on BestCompany.com, Liberty Mutual is worth considering.

Read Liberty Mutual Home Insurance Reviews

Top Ranked Companies

thumb_up

The Good

  • Competitive Coverage Options
  • Range of Discounts
  • Convenient Claims Processes
  • High Financial Strength Ratings

Competitive Coverage Options

You'll find the standard coverage options for home insurance with Liberty Mutual. These coverages include belongings, jewelry, liability, property damage, wind and hail damage, and loss of use coverage. You can cover your belongings at their actual value at time of loss or their replacement cost.

Loss of use coverage can help cover living expenses if your home becomes inhabitable.

Hurricane damage coverage and protection against inflation make Liberty Mutual stand out from other homeowners insurance companies. 

The ability to protect against inflation helps ensure that your coverage limits maintain the same buying power, which makes it easier to have good coverage without increasing your coverage limits over time.

In addition to typical home insurance, you can find insurance for mobile homes. Liberty Mutual is partnered with Assurant® to offer this coverage.

Range of Discounts

Liberty Mutual offers many discounts, which makes it easier to find savings on policies. It offers discounts for the following:

  • Claims-free (no claims for five or more years)
  • Early shopper (get a quote from Liberty Mutual before current policy ends)
  • Newly purchased home
  • New or renovated home
  • New roof
  • Multi-policy
  • Automatic payments
  • Paperless

Liberty Mutual stands out from other home insurers with a safe homeowner discount and an insured to value discount. The safe homeowners discount applies if you've been claims-free for three years.

The insured to value discount applies if you opt to cover the full replacement cost of your house.

Convenient Claims Processes

Liberty Mutual offers online claims filing and claims management. These offerings are becoming common with insurers, regardless of the kind of insurance.

Liberty Mutual also offers RealTime Review™, which allows you to have your home damage inspected over FaceTime or Skype after you file your insurance claim. This convenient offering is part of larger tech innovation trends in the industry.

High Financial Strength Ratings

Liberty Mutual has received high financial strength ratings from A.M. Best. These ratings show the company's financial stability, which is a good sign that Liberty Mutual will likely be able to meet its claims obligations.

Most top insurers have high financial strength ratings, so Liberty Mutual sits well with competitors in this regard.

thumb_down

The Bad

  • Insufficient Customer Reviews
  • Limited Policy Specifics

Insufficient Customer Reviews

Best Company does not have many Liberty Mutual homeowners insurance reviews. Due to this lack of reviews, conclusions about customer satisfaction are limited.

Although there are few reviews, they include praise and complaints. Praise includes good customer service and claims satisfaction. Reviewers also express dissatisfaction with customer service and claims.

Limited Policy Specifics

Liberty Mutual offers excellent general information about the types of insurance coverage available with a homeowners policy. However, you'll need to work with the company to learn more about policy rates and terms.

Many factors affect homeowners insurance rates, including types of coverage and your policy's coverage limits. Fortunately, Liberty Mutual offers online quotes, which makes it convenient to gauge what your insurance cost may be.

While some may like having more specifics easily accessible, this practice is common in the insurance industry.

gavel

The Bottom Line

While additional customer insight is necessary, Liberty Mutual has many characteristics that make it a reliable choice. The insurance company has high financial strength ratings, competitive coverage options, and a range of discounts.

The insurer stands out for offering hurricane coverage and the option to protect your insurance policy against inflation.

Its safe homeowner discount allows policyholders without claims for at least three years to save on premiums. This discount offers access to savings faster than its claims-free discount, which requires five years without claims.

Liberty Mutual home insurance policyholders also benefit from convenient claims processing. You can start and manage your claim online. Rather than having someone come to your home to assess damage, you can schedule an appointment over Skype or FaceTime. This offering is inline with industry trends and innovations.

Was this content helpful?
thumb_up Yes thumb_down No

Star Rating

4.0

star star star star star_border

32 Reviews

Review Breakdown

5 grade

53%

4 grade

16%

3 grade

16%

2 grade

3%

1 grade

13%

Sentiment Criteria

Value

star star star star star_border

Quality

star star star star star_border

Service

star star star star star_border

Trustworthiness

star star star star star_border
cancel

Filter by:

arrow_drop_down

Sort by:

arrow_drop_down
info
check_circle

Review Source

star star star star star

Arif Hussain Phoenix, AZ

I have been with liberty mutual over 5 years. We also have coverage on our rental properties. There claims process is user friendly, fast and efficient. We are completely satisfied and they provide excellent service

3 weeks ago

check_circle

Review Source

star star star star star_border

Nicky Martin Philadelphia, MS

I used this company when I brought my 1st house years ago the rates were reasonable however the customer service was a bit nerving, sometimes my payments weren't showing up on their end, once they even mistaken my last name with another customer with a similar last name which caused a huge issue. The problem was eventually resolved no apologies or anything.

1 month ago

check_circle

Review Source

star star_border star_border star_border star_border

Ryan Vett McKees Rocks, PA

I had my car and home insurance with Liberty Mutual. I bought a used pickup truck, added it online to my policy after getting a quote for an additional $70 a month. After 3 weeks I canceled the car insurance so just my truck and house were on the bill. The issues I had were related to extra fees I was charged along with the customer service being subpar. I got charged $130 the first month. Then I was charged $300 the second month after cancelling the car within a couple weeks. In between they had a policy renewal where they upped my rates too. I called customer service twice...Last week I called and was hearing myself echo back at me. So I asked it there was anything they could do (How about just picking up the phone if it was your headset?) but ended the call when they said no....Called the second time today and waited over 60 minutes before talking to them, we chatted and they ended up refunding me some of the the money and I cancelled both home and car insurance though them.

3 weeks ago

check_circle

Review Source

star star star star star

Olivia Simmons Washington, DC

The customer service is great. One time I called because I had Cash App take out money from my account unexpectedly. Found out a person I let use my card to get a drink from 7/11 took a picture of my card then put my info into the Cash app and sent them selves money over and over again until my account was completely wiped out and $400 negative. Liberty Mutual moved my payment on the back end of my policy. It helped me while I was working with Cash app and my bank to recover the lost funds.

4 months ago

check_circle

Review Source

star star star star star

Brian Newman El Paso, TX

We live in an area in West Texas which gets rain maybe 4 weeks of the year. It is our monsoon season. Last year was a keeper. Not only did we get rain. We got hail. A lot of it. Too much of it. Our roof was damaged, it is a flat roof, ended up with a water leak between the walls and around the bay window. I called Liberty Mutual to let them know, filed a claim over the phone and the next day an adjuster was on the roof doing their thing. Within two days the roof was being replaced and the inside wall and insulation was being replaced, repaired, and painted. Within a weeks time an amazing job was completed. Outstanding service from beginning to end, and to top it all off, I would receive phone calls from Liberty Mutual just checking in to see how things were going. Awesome!!!

5 months ago

check_circle

Review Source

star star_border star_border star_border star_border

C Blue Investments LLC Columbus, OH

They were ok. The customer service needs work. I had to contact them because a contractor damaged property at one of our units and so far they have refused to pay out damages even though the contractor admitted he and his workers did the damage. I have had to file a complaint with the dept of insurance against them. Its crazy because we also have coverage with them.

1 month ago

check_circle

Review Source

star star star star_border star_border

Thawkes2017 AL

I like the customer service that Liberty Mutual offers. I couldn’t afford them so I had to switch. I wish I could’ve kept using them for our home owners insurance. We never had any problems. Living in the south we had to make several claims due to hurricanes.

2 months ago

check_circle

Review Source

star star star star star

Shalon Johnson Minneapolis, MN

I had Liberty Mutual insurance for about a year and a half back in 2020. The representative was super helpful in explaining everything to me as far as what was covered under my homeowner's insurance. I would highly recommend it. Customer service is great and their rates are affordable and customizable.

5 months ago

check_circle

Review Source

star star star star star_border

Ben Santa Clara, CA

Catchy commerical had liberty a few years back very Easy deal with and great helpful customer service people never had to file a claim but they were very reasonable and worth the money

2 months ago

check_circle

Review Source

star star star star_border star_border

RONALD WHITE Phoenix, AZ

We had been with Liberty Mutual Insurance for the past 3+ years at our second home in the mountains and were very happy with their service and insurance costs. They raised their premium this past year and could not compete with our new insurance company with matching coverages and deductibles. The sad part of this whole situation is that we had never filed a claim. I do suggest at least getting a quote from them as their customer service is professional and courteous even when I told them I was cancelling our insurance with them. When inquiring about making changes with our policy, they were very helpful and assisted us in changing our deductibles and our cost limits. I will check with LM each year to see if the are the best match for our needs.

6 months ago

check_circle

Review Source

star star star star star

L Turner Avon, IN

Reasonable pricing and service. Renewal is easy and quick. I have been a member for almost 10 years and have had no issues with Liberty Mutual. I have home and auto bundled. The times I needed to make a claim I was able to quickly talk to a human rep. And the commercials are catchy and fun, that helps!

6 months ago

check_circle

Review Source

star star star star star

Sean Zernickow Monument, CO

Great Company, just seems like the rates cannot compare as of late. Responsive to inquiries, and customer service is top notch.

3 months ago

check_circle

Review Source

star star star star_border star_border

Henry Lebensbaum Andover, MA

i just asked for a quote because i was told that they were better priced than others. After some internet journey, and a telephone call, i discovered that it was simply not true and to this extent it was fake advertising. When i heard the price i was shocked.

5 months ago

check_circle

Review Source

star star star star star_border

Crystal-lee Nunez New York, NY

Liberty mutual is a very reliable company. Thé application was very easy to understand. Thé prince was responsable. I was with Liberty mutual for 10yrs and i hope many more Will follow

5 months ago

check_circle

Review Source

star star star star star

Frank Rivera Lynnfield, MA

Liberty Mutual has insured my home since 1999. Their first class customer service representatives and century long existence is reason enough to continue insuring with them.

6 months ago

check_circle

Review Source

star star star star star

Nathaniel Scott Philadelphia, PA

Haven't had to file a claim so I can't say much about my experience. Signing up was easy. Answered basic questions about my home and got the right amount of coverage for most "what if" scenarios.

6 months ago

check_circle

Review Source

star star star star star

Brenda Anderson TX

Liberty Mutual was my company for 10 years. I had 3 claims during that time and I paid all of them with no problem our questions asked. There is no better company than libertine mutual. They do have higher premiums but you get what you pay for. I have used some companies with lower premium but the hassle they put me through to pay a claim was not worth it. If you get liberty mutual I promise you’ll be happy!!!

5 months ago

check_circle

Review Source

star star_border star_border star_border star_border

World Traveler Ashburn, VA

Pricing is comparable to other companies however when the time comes to cover you for roof damage due to wind and hail, this policy will not cover anything. Moreover it will count any call as a claim that will make your premium go higher. Would not recommend.

3 months ago

check_circle

Review Source

star star star star star

Chi-Town Cuts and Fades Owner Los Angeles, CA

Liberty Mutual has proven to have one of the best customer services department, that I have had the pleasure of working with in 2022.

4 months ago

check_circle

Review Source

star star star star star

TONY Viola Boise, ID

Homeowners and auto coverage . Courteous and friendly agent who answers my questions to my satisfaction when ever I call.

5 months ago

check_circle

Review Source

star star star star_border star_border

Shauna Lyons Omaha, NE

I wished I shopped around. I only went with this company because my vehicle was already insured with company. They raise rates when I moved. Claim to customize insurance when that is not the case. Rude customer service when called. When I have time I plan on moving all my policies.

6 months ago

star star_border star_border star_border star_border

John Allen, TX

Liberty Mutual stiffed my family of four when our house flooded. We found a cleanup vendor and asked Liberty if they accepted the vendor. They said "sure," they worked with them "all the time," and that the vendor was "not a problem" ... Until they got the bill, at which point they stiffed the vendor, which is now going after my family for the balance. All because Liberty decided it was better to save a buck and benefit their shareholders. The day they get shut down for the ponzi scheme that they are, I will be jubilant and dancing in the streets. Until that day, I'll probably be LIVING in the streets, along with my wife and children.

3 years ago

check_circle

Review Source

star star star star star

Wendi C Grand Rapids, MI

My liberty rep has been great, easy to reach and gets info back quickly

3 months ago

check_circle

Review Source

star star star star star

Cathy Ford Goodyear, AZ

Great customer care and price love it. Very helpful when needed

3 months ago

check_circle

Review Source

star star star star star

ramesh pothuru

good customer service, easy to use on line portal and flexible claim process and easy portal access.

6 months ago

star star star_border star_border star_border

Mia Hernandez 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!

4 years ago

star star star star star

Fernando Delgado Tempe, AZ

Very good customer service and very easy to sign up also one of the best prices after calling different homeowner insurance.

4 years ago

check_circle

Review Source

star star star star star_border

L 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.

4 years ago

check_circle

Review Source

star star star star star

Art Reno, NV

Fair rates. Online site functions without problems. Never have had a claim.

6 months ago

check_circle

Review Source

star star star star_border star_border

Vernon Cox Wenatchee, WA

Liberty Mutual was a great company to do business with for a long time but their rates just go out of hand

6 months ago

star star star star star

Lisa Hanson Calabasas, CA

Attentive and easy to contact. Good rates with group plan. They left California so we had to switch companies.

4 years ago

star star star star star_border

Spencer Hodgson Salt Lake City, UT

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

4 years ago