In This Review: Our Take | Pros & Cons | Cost & Discounts | Coverage | State Availability | Reviews | Conclusion | Compare Providers | Company Information | FAQs | Methodology

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.

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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

✔ Extensive endorsement options
✔ Can file claims on mobile app
✔ Available nationwide

✘ Coverage and discounts can vary by state
✘ No liability coverage included for some dog breeds

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


  • Multi-policy
  • Claims-free
  • Safe homeowner program
  • Newly purchased home
  • Military
  • And many more!

Get a personalized quote today to see which discounts you qualify for:

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 of CoverageCoverage Options
Other structures10% of dwelling
Personal property70% of dwelling
Loss of use20% of dwelling
Liability$100,000, $200,000, $300,000, or $500,000
Medical payments to others$1,000, $2,000, $3,000, $4,000, or $5,000
Deductible$250, $500, $1,000, or $2,500

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

Available Add-Ons

  • Umbrella coverage
  • Inflation protection
  • Scheduled items
  • Personal property
  • Flood insurance
  • Earthquake coverage
  • Identity fraud
  • Water backup and sump pump

State Availability

Liberty Mutual offers coverage in all 50 states, so no matter where you currently live or hope to move, you will be able to insure your home with this provider. To learn about more of the top providers serving your state, click on your state from the list below:

Alabama | Alaska | Arizona | Arkansas | California | Colorado | Connecticut | Delaware | Florida | Georgia | Hawaii | Idaho | Illinois | Indiana | Iowa | Kansas | Kentucky | Louisiana | Maine | Maryland | Massachusetts | Michigan | Minnesota | Mississippi | Missouri | Montana | Nebraska | Nevada | New Hampshire | New Jersey | New Mexico | New York | North Carolina | North Dakota | Ohio | Oklahoma | Oregon | Pennsylvania | Rhode Island | South Carolina | South Dakota | Tennessee | Texas | Utah | Vermont | Virginia | Washington | West Virginia | Wisconsin | Wyoming

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

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:

Compare Homeowners Insurance Policies
Answer a few simple questions and we'll take care of the rest.

Liberty Mutual vs The Competition

See how Liberty Mutual stacks up against other top tier homeowners insurance providers:

Link Best For Star Rating
Lemonade Get Quote Easiest Sign-Up
State Farm Get Quote Best Endorsements
Allstate Get Quote Best Coverage Options
Travelers Get Quote Most Experience
American Family Get Quote Most Comprehensive Coverage
Liberty Mutual Get Quote Best Discounts
Best For Easiest Sign-Up
Star Rating
Get Quote
State Farm
Best For Best Endorsements
Star Rating
Get Quote
Best For Best Coverage Options
Star Rating
Get Quote
Best For Most Experience
Star Rating
Get Quote
American Family
Best For Most Comprehensive Coverage
Star Rating
Get Quote
Liberty Mutual
Best For Best Discounts
Star Rating
Get Quote

*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:

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+

Frequently Asked Questions

Our Rating Methodology

The This Old House Reviews Team backs up our ratings and recommendations with a detailed rating methodology that we use to objectively score each provider. We analyze online information, obtain a sample quote and policy structure, speak to a representative, research digital tools and technology, and review third-party ratings and customer reviews for each provider. We then score the provider against our review standards for coverage, availability, customer service, technology, reputation, and additional benefits to arrive at a final score out of 100.

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