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

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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.

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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.

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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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User Reviews

Star Rating

4.1

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58 Reviews

Review Breakdown

5 grade

60%

4 grade

10%

3 grade

14%

2 grade

1 grade

10%

Sentiment Criteria

Value

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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.

6 years ago

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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.

2 years ago Edited January 17, 2023

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Nazir Sugar Land, TX

I referred to from the experian that says my name, don’t overpay more for insurance check the best match and suggestions when I checked , I have got over 100 calls all is automated 3th party that transfers you getting your information the next thing I see is a lots of lenders emailing me the electronic signature need it for your loan . (?) I never applied for any loans , I’m like what is going on here , anyways I have got a screenshot shot just to a proof not to fall on any commercials you hear

2 years ago

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Brenda Rogers Indianapolis, IN

I thought they were great. I used them for a while and paid monthly payments. When Chase returned my payment I was livid because I had deposited a $5000 cashiers check but sent the payment back and I didn’t know , when I found out I tried to pay it and they wouldn’t let me pay it online then they made me pay the entire year to keep my insurance.

2 years ago

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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.

2 years ago

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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 years ago