Liberty Mutual


Insufficient Reviews Companies must have at least 10 reviews in order to calculate an overall score. Until they have 10 reviews they will be listed based on the estimated overall score taking into account the criteria not related to reviews.

No User Reviews

Claim this Profile is trying to work directly with this company to verify the accuracy of the information on this page. Thank you for your patience as we make sure we’re getting it right.

Are you a representative

of this company?

Claim this Profile

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.

The Good

  • Discounts
  • Online Tools


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.

User Reviews


Write a Review
Be the first to leave a review