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.
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.
Homeowners can customize their coverage with the following add-on protections.
- Umbrella coverage
- Inflation protection
- Scheduled items
- Personal property
- Flood insurance
- Earthquake coverage
- Identity fraud
- Water backup and sump pump
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
*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: