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