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LAST UPDATED: May 4th, 2021

Liberty Mutual's renters insurance policies offer standard coverage (e.g. personal property, loss of use, and liability coverage) and additional coverage can be added for earthquake, replacement cost, and itemized jewelry.

Liberty Mutual's policies automatically cover family members living with you, and you can add roommates to your policy as well.

Founded in 1912,  has established a reputation as a reliable insurer. In addition to renters insurance, the company ofers auto insurance, life insurance and homeowners insurance.

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The Good

  • High Financial Strength Ratings
  • No Need to Appraise Jewelry for Coverage
  • Replacement Cost Coverage Available
  • Ability to Add Roommates
  • Good Discounts

High Financial Strength Ratings

Liberty Mutual has earned high financial strength ratings. These ratings indicate that the insurance company is financially stable and will likely be able to make claims payments to policyholders.

Since you're buying an insurance policy for financial protection, you need to choose a company that is able to pay you when you make a claim. Liberty Mutual's high financial strength ratings make it a good choice for renters insurance.

No Need to Appraise Jewelry for Coverage

Liberty Mutual allows policyholders to buy optional coverage for expensive jewelry. When you purchase this additional personal property coverage, you typically have to have your jewelry appraised to verify its value.

To get this coverage from Liberty Mutual, you do not have to get your jewelry appraised. Not requiring appraisal makes it more convenient to add this coverage and get the protection you need.

Replacement Cost Coverage Available

Liberty Mutual also allows policyholders to add replacement cost coverage. This kind of coverage is important because it goes beyond covering the current value of your items to cover the cost to replace them.

The value of most items depreciate over time, so actual cost coverage may not help you replace your stuff.

Ability to Add Roommates

You can add roommates to your policy and split the coverage costs. This is a convenient feature that helps ensure that everyone has the insurance protection they need. Adding non-family members to your policy is a nice feature if you're living with a partner and haven't formalized your family ties.

If you don't want to share a renters insurance policy with your roommates, you don't have to include them on your policy.

Good Discounts

Liberty Mutual offers policyholders several ways to save on premiums, more than some of its competitors. It offers a multi-policy discount, preferred payment discount for setting up automatic payments, and a discount if you've been claims-free for five consecutive years.

New clients can save by getting a quote from Liberty Mutual before their current policy expires and by purchasing their insurance coverage online.

Some competitors offer similar discounts, so it's worth comparing costs and coverage if you're considering a few insurers.

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The Bad

  • Earthquake Coverage Not Included
  • Must Provide Personal and Contact Information for Quote
  • Limited Customer Insight

Earthquake Coverage Not Included

Liberty Mutual's basic renters policy includes coverage for your stuff, liability for injury or property damage, and additional living expenses or loss of rent if your home becomes unlivable.

However, these policies do not cover earthquakes. However, you can add earthquake coverage to your policy at an additional cost for extra protection.

Must Provide Personal and Contact Information for Quote

While Liberty Mutual makes it easy to start a quote online, you do need to answer questions and provide contact information. Questions include information on the place you're renting, the value of your things, and your age. This information is important for determining the cost of your policy.

It would be nice to view quotes online without sharing your contact information, especially if you're researching your options and aren't ready to be contacted by Liberty Mutual's sales team.

Limited Customer Insight

Best Company hasn't received many Liberty Mutual renters insurance reviews, so we can't make a recommendation based on customer satisfaction.

However, Liberty Mutual has stood the test of time, earned high financial strength ratings, and offers good coverage with its renters insurance policies.


The Bottom Line

While Liberty Mutual could do better by offering online quotes without requiring contact information, it's a reliable insurer and offers good renters insurance policies.

We can't recommend the company fully due to limited customer reviews. However, Liberty Mutual's customizable policies allow you to meet your insurance needs while balancing budget constraints. The insurance provider also offers more discounts than some of its competitors.

If you're looking for a flexible renters insurance product with good discounts, Liberty Mutual's coverage options are worth exploring further.

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Kaitlyn Rios Ogden, UT

Liberty Mutual renters insurance is a well rounded, fairly priced product. I always felt covered if anything should happen while renting. Their service agents always knew how to answer my concerns regarding the policy. All in all, Liberty Mutual is a smart choice if you rent for any period of time.

4 years ago

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Eban Beltran Arlington, TX

Our renters insurance is with Liberty Mutual. Growing up I thought they offered premium policies at premium prices but they’ve turned out to be quite affordable and great at customer service.

3 years ago