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Liberty Mutual Homeowners Insurance Review 2021

In this Liberty Mutual homeowners insurance review, we examine the company’s coverage, cost, and reputation.

Laundry room in home. iStock

In This Review: Our Take | Pros & Cons | Cost | Coverage | Reviews | FAQs | Company Information

Your home is likely your most valuable asset, and you definitely want to protect this important investment. Purchasing a home insurance policy from a company with a proven track record is your best option, safeguarding you from destruction and damage due to covered disasters and burglary.

However, not all coverage—including endorsements—and companies are equal. The This Old House Reviews Team has created this extensive Liberty Mutual homeowners insurance review, evaluating coverage, costs, availability, and more to help you determine if it’s the best home insurance company for your home.

Our Take on Liberty Mutual Homeowners Insurance

Liberty Mutual is one of the largest auto and home insurers in the country, with strong financial backing and a wide variety of coverage options available in all 50 states.

The insurer offers extensive endorsements alongside many discount opportunities. Its monthly price is already competitive. Unfortunately, coverage and discounts can vary by state.

Overall, we give Liberty Mutual home insurance a score of 95.10 out of 100.

On Liberty Mutual’s Better Business Bureau profile, common complaints cite difficulty getting in touch with customer service and increased premiums. Some reviews note efficient claims processing, while others echo concerns about prices increasing unexpectedly.

Pros & Cons of Liberty Mutual Homeowners Insurance

Pros & Cons

Pros Cons
Pros Cons
✔ Extensive endorsement options ✘ Coverage and discounts can vary by state
✔ Can file claims on mobile app ✘ No liability coverage included for some dog breeds
✔ Available nationwide

How Much Does Liberty Mutual Insurance Cost?

The exact cost of Liberty Mutual homeowners insurance depends on a variety of factors, including your property value, size, and the materials it was constructed with, where you live, the coverage limits you select, the insurance deductible you choose, and more.

We requested a quote for a single-family, 2,200-square-foot home in North Carolina and found the monthly cost was $139.

Liberty Mutual Home Insurance Cost

Type of Coverage Amount of Coverage
Type of Coverage Amount of Coverage
Dwelling $322,500
Other structures $32,250
Personal property $225,750
Loss of use $64,500
Liability $300,000
Medical payments to others $1,000 per person
Replacement cost Yes
Expanded coverage Yes
Deductible $1,000
Monthly Cost $139

Liberty Mutual offers a wide variety of discounts to help reduce the cost of your home insurance coverage. Discounts may vary by state.

Liberty Mutual Discounts

Discount Description
Discount Description
Multi-policy Discount for bundling home insurance with another Liberty Mutual insurance policy
Claims-free Discount for going for five years or more without filing a claim with your previous insurer
Insured to value Discount for insuring your home for 100 percent of its replacement cost
Safe Homeowner Program Discount for going three or more years without filing a claim with Liberty Mutual
Newly purchased home Discount for newly bought home
Newly renovated home Discount for recent renovations
Protective devices Discount for installed protective devices like fire extinguishers, smoke alarms, burglar alarms, and more
Early shopper Discount for requesting a quote from Liberty Mutual before current policy runs out
Preferred payment Discount for paying automatically each month
New roof DIscount for replacing your roof
Military Discount for active members of the military and veterans
Paperless Discount for receiving all billing information electronically
Affinity Discount for members of any of the 14,000+ partner groups

Liberty Mutual Insurance Coverage

Liberty Mutual offers all of the basic protections, in addition to extensive endorsement options for flexible coverage.

Liberty Mutual Coverage

Type Description
Type Description
Dwelling + other structures Covers costs of repairing or rebuilding the home’s interior and exterior, along with any other structures on the property (garage, shed)
Personal property Covers the replacement of personal possessions, including clothing, furniture, and electronics
Personal liability Covers legal fees, including any damages, resulting from someone being injured on your property
Loss of use/additional living expenses Covers living expenses if your home is temporarily uninhabitable due to covered damage or destruction, including accommodations and dining
Medical payments to guests Covers the medical expenses of someone who is injured in your home or on your property

Homeowners can customize their coverage with the following add-on protections.

Liberty Mutual Add-ons

Type Description
Type Description
Umbrella coverage Provides additional liability coverage beyond what is offered in the underlying policy
Inflation protection Automatically adjusts coverage limits when your policy is renewed to keep up with inflation
Scheduled items Provides additional coverage for valuables including art and jewelry
Personal property Raises limits to help cover the cost of damaged or destroyed collectibles or valuables
Flood insurance Provides coverage for damage or destruction caused by floods (required by some lenders)
Earthquake coverage Provides coverage for damage and destruction caused by earthquakes
Identity fraud Provides coverage for attorneys fees and other costs associated with identity theft and fraud
Water backup and sump pump Covers water damage caused by drain or sewer backup or sump pump failure

Liberty Mutual Home Insurance Reviews

Liberty Mutual is accredited by the Better Business Bureau and holds an A+ rating* from the organization. However, customers rate Liberty Mutual just over 1 star.

Here’s what some homeowners had to say about their experiences with Liberty Mutual:

Michael B. said:

“Liberty Mutual and especially Rebecca and Andy, went out of their way in handling my claim. They really stepped up. Not to say there were not a few snags along the way. But they went above and beyond and kept a happy customer. We all hate insurance because we have to have it, but never use it. You never know how good your insurance company is until you file a claim. For those wondering how Liberty Mutual is, don’t worry. If they can help they will. They do the right thing, very refreshing. Thanks again Rebecca and Andy.”

Sidney B. said:

“My wife and I switched to Liberty Mutual last year. Their rates were great, customer service was great and larger discounts than most. We had auto insurance on two vehicles and renters insurance. Always paid on time never had a claim, then at renewal a week ago my rate jumped over $600 a year, just on auto insurance. Their reason was, ‘rates in your area just went up,’ no reasonable explanation. I’ve had car insurance for 16 years and have never had a company raise my rates this much. Actually my rates have always stayed the same or went down. Will never be back. Although it is a great option if you want reasonable rates for one year.”

*Accurate as of September 30, 2021

Frequently Asked Questions

Is Liberty Mutual a good homeowners insurance company?

Liberty Mutual is a solid choice for homeowners seeking to customize their coverage with many endorsement options, or who have the opportunity to qualify for discounts. However, Liberty Mutual may not be the best choice for budget-conscious homeowners, as its prices run a little higher than the competition.

What does Liberty Mutual homeowners insurance cover?

Liberty Mutual homeowners insurance covers all of the industry basics, in addition to an extensive number of endorsements that are rare in the industry, like inflation coverage to protect customers from rising rebuilding prices. Its basic insurance policies do not cover flood or earthquake damage.

Does Liberty Mutual offer military discounts?

Yes, Liberty Mutual offers home insurance discounts for active members and veterans.

Does Liberty Mutual homeowners insurance cover personal injury?

Injury to the owner of the property is not covered. However, Liberty Mutual’s basic policy will cover the medical expenses and legal fees associated with injuries to guests.

Company Information

  • Company name: Liberty Mutual
  • Company type: Public
  • CEO: David H. Long
  • Year founded: 1912
  • Headquarters: 175 Berkeley St, Boston, MA 02116
  • State availability: 50
  • BBB rating: A+

Our Conclusion

As one of the largest auto and home insurance companies in the country, Liberty Mutual has strong financial backing and extensive coverage offered nationwide. The company offers many endorsements, and its list of discounts is more robust than many of its competitors’. Unfortunately, coverage and discounts may vary by state. We give Liberty Mutual home insurance an overall score of 95.10 out of 100.

We recommend that homeowners get quotes from multiple providers in their area to make sure they find the best home insurance policy for their needs. For free quotes from companies near you, call 855-948-5219 or enter your zip code in the tool below:

Liberty Mutual vs Competition

Provider Liberty Mutual Lemonade Amica®
Provider Liberty Mutual Lemonade Amica®
Our score 95.10 83.50 96.60
Get a free quote Visit Site Visit Site Not available through This Old House
State Availability 50 23* 47 (not available in AK, FL, or HI)
BBB Rating A+ B+ A+
Years in Business 108 5 113
24/7 Claims Service
Protective Devices/Safety Features Discount
Bundling Discount
Mobile App

*Lemonade home insurance is available in AZ, CA, CO, CT, DC, GA, IL, IN, IA, MD, MA, MI, MO, NV, NJ, NY, OH, OK, OR, PA, TN, TX, VA, WI

Use the following resources to compare Liberty Mutual to other insurance providers:

Our Methodology

The This Old House Reviews Team values accuracy, transparency, and trust. With that in mind, we created a thorough, objective rating system to score each home insurance company based on the following six factors:

  • Coverage (30)
  • State availability (7.5)
  • Customer service (15)
  • Technology (12.5)
  • Reputation (20)
  • Additional benefits (15)

Our Reviews Team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability. Read more on our methodology here.

To share feedback or ask a question about this article, send a note to our Reviews Team at