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6 User Reviews
LAST UPDATED: February 11th, 2021

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, Liberty Mutual is worth considering.

Read Liberty Mutual Home Insurance Reviews

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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.


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.


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.

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6 Reviews

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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.

2 years ago

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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!

2 years ago

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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.

2 years ago


Review Source

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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.

3 years ago

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Lisa Hanson Calabasas, CA

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

2 years ago

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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.

3 years ago

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