Liberty Mutual

Liberty Mutual Logo

Liberty Mutual

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.

State Farm LogoState Farm ›



Wells Fargo LogoWells Fargo ›






Liberty Mutual LogoLiberty Mutual ›



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.


As part of our service, we attempt to partner with all the companies that we review, and may get compensated when you click or call them from our site; however, regardless of any current, past, or future financial arrangements, companies listed on Best Company cannot buy their position, nor do we manipulate or inflate a company's ranking for financial gain. A company’s ranking is based on and calculated by an objective set of ranking criteria, as well as user reviews. For more information on how we rank companies, click here.

All user reviews posted on Best Company are subject to screening and approval. We reserve the right to approve or deny any review posted to this site in accordance with our Review Guidelines. Best Company never suppresses user reviews—unless they are being investigated for authenticity, or if they violate our review guidelines. We encourage anyone who suspects a user review to be fraudulent or intentionally inaccurate to please notify us here.

User Reviews

Your trust is our top priority, so we check all reviews for accuracy and relevance. Additionally, we do not allow companies to alter or remove reviews. Learn more

Sort by:
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.

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.