In This Review: Pros and Cons | Cost & Discounts | Coverage | State Availability | Filing a Claim | Conclusion | Comparison | Company Information | FAQ | Methodology

Liberty Mutual is one of the longest standing insurance providers in the country and has over 105 years of experience in the industry, providing customers with solid coverage and peace of mind. For as low as $5 per month, you can get liability, medical payment, loss of use, and personal property coverage from a Liberty Mutual renters insurance policy.

To learn more about Liberty Mutual and decide if it’s the best renters insurance company for you, read our review comparing coverage and pricing.

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Pros and Cons

Review the positive and negative points of Liberty Mutual renters insurance:

Pros Can choose between RCV and ACV personal property coverage Over 100 years of experience providing insurance Customer service is available on the weekends
Cons Can only purchase up to $25,000 of personal property coverage Difficult to find the covered perils and customer service numbers on the website



How Much Does Liberty Mutual Cost?

Liberty Mutual renters insurance costs as low as $5 per month with the most basic plan, according to the company’s website. To give you a more accurate monthly estimate, we got an RCV quote for a one-bedroom apartment in Raleigh, North Carolina. This insurance rate we received was six times higher than the lowest price Liberty Mutual advertises:

Liberty Mutual Cost Breakdown

Area of CoverageCoverage Amount
Monthly cost$29.83

Your deductible could be $250, $500, $1,000, $2,500, or $5,000, based on our research using Liberty Mutual’s online quote tool.

To see how your own quote compares, use Liberty Mutual’s online tool and fill in the required information including your name, current and previous address, date of birth, number of pets, length of time in the rental, education, and employment status.

Liberty Mutual Renters Insurance Discounts

Liberty Mutual offers five discounts:

  • “Claims-free” Discount: If you haven’t filed an insurance claim in at least five years, you may be eligible for this discount.
  • “Early shopper” Discount: You can get this discount if you purchase a Liberty Mutual policy before your old one expires.
  • “Multi-policy” Discount: If you bundle renters insurance with auto insurance or life insurance, you’ll receive a discount.
  • “Preferred payment” Discount: Not only do you save time by enrolling in automatic payment, you’ll save money through this discount.
  • “Online purchase” Discount: Skip talking to a customer representative and purchase a policy online to get a discount.



Liberty Mutual Insurance Coverage

Liberty Mutual renters insurance covers the following events:

  • Fire
  • Smoke
  • Lightning
  • Severe storms
  • Vandalism
  • Water damage not caused by a flood
  • Theft

Note: This isn’t an all-inclusive list. Talk to a Liberty Mutual representative to discuss all covered perils and any additional add-on coverage you can include in your policy.

These are the four main areas covered by Liberty Mutual:

1. Personal property

This part of your policy covers the cost of replacing your belongings when a covered event damages them. With Liberty Mutual, you can choose between replacement cash value (RCV) and actual cash value (ACV) coverage. ACV will allow you to receive compensation to replace damaged items based on their current value, which takes into account depreciation. RCV has a higher premium because you’re given a cash value to buy new items.

Based on the quote we received, Liberty Mutual covered $25,000 for personal property.

2. Loss of use

If a covered event, like fire or water damage, requires you to temporarily live elsewhere while your home is getting repaired, your policy will cover living expenses that exceed your typical amount. Based on our quote, Liberty Mutual covered $5,000 for loss of use.

3. Liability

If you’re responsible for bodily injury or damage to the personal property of someone else, your policy will cover the cost of medical bills or repairs. It may even cover legal fees if someone sues you. Based on the quote we received, Liberty Mutual covered $100,000 for liability coverage.

4. Medical payments to others

If a guest gets injured in your home, you can file a claim to have your insurance provider cover their medical bills. Based on our quote, Liberty Mutual covered $1,000 per person for medical payments to others.

In addition to the general coverage above, you can buy extra insurance coverage for earthquakes, identity theft, and jewelry.

Range of Coverage

Using the Liberty Mutual renters insurance online quote tool, we gathered information on what is available for North Carolina.

  • Personal Property Coverage: $15,000–$25,000
  • Loss of Use Coverage: 20% of personal property
  • Liability Coverage: $100,000–$1,000,000
  • Coverage for Medical Payments to Others: $1,000–$5,000



State Availability

Luckily, Liberty Mutual Renters insurance is available in all 50 states, so wherever you live or hope to end up in the US, you will be able to use Liberty Mutual. To see a complete list of the top providers in your area, click on your state in 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



Customer Service and Claims Support

If you call the Liberty Mutual general customer service line at 855-914-8626, a customer service representative will forward you to the specific department you’re looking for, whether that be claims or general support. The claims department is open 24/7, but the sales and customer service departments have limited availability.

If you would prefer not to talk to a customer service representative or you don’t want to navigate the phone tree, the Liberty Mutual offers other options. For current customers, you can use your customer portal or mobile app to manage your policy or file a claim.



Our Conclusion

Liberty Mutual providers standard renters insurance with liability, medical payment, loss of use, and personal property coverage. However, the company lacks more than it offers with low personal property coverage amounts, a hard-to-navigate website, and only three additional coverage options. The features that stick out are its many years of experience and a variety of discounts.

To find the right provider for your renters insurance, get a quote from Liberty Mutual and at least two other companies to compare prices and coverage:

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Fill out this quick form and get matched with your perfect provider.



Liberty Mutual Renters Insurance vs. The Competition

If you’re not sure whether Liberty Mutual is right for you, compare it to other top-rated renters insurance companies below.


Liberty Mutual



Known for

Over 100 years of experience

Rent protection add-on

Single deductible benefit

Monthly price

As low as $5

About $12


Customer service

24/7 for claims; limited for sales and service

24/7 for claims; 8 am–8 pm for everything else


BBB rating






Company Overview

  • CEO: David H. Long
  • Years in business: 108
  • State availability: 50
  • Address: 175 Berkeley Street, Unit J091
  • City/State: Boston, MA
  • Zipcode: 02116
  • A.M. Best financial strength rating: A



Frequently Asked Questions About Liberty Mutual Renters Insurance



Our Methodology

The This Old HouseReviews team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations.

With that in mind, we created an objective rating system to score each renters insurance company. Here’s what that review process looked like:

  • We analyze the information on each company’s website. This allows us to determine what products and services are offered by each renters insurance provider.
  • We get a sample quote from the companies by either talking to a sales representative or by using the online quote tool. This tells us what a policy looks like and costs.
  • We test customer service by talking to a company representative, finding out their hours of operation, and determining what technological features are available for customers.
  • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home insurance companies against each other.

With this data, we created a rating methodology to score each home insurance company. Our rating system is a weighted, 100-point scale based on the following factors:

  • Coverage (30): We rated home insurance companies higher if they offered the six main types of renters protection—dwelling, other structures, personal property, loss of use, liability, and medical payments to others coverage.
  • State availability (7.5): Companies scored higher if they covered more states than their competitors.
  • Customer service (15): This factor is based on our communications with the company representatives, as well as the companies’ claims and quotes processes, availability throughout the week, and customer service information found on their websites.
  • Technology (12.5): Technology can increase the efficiency of filing and tracking home insurance claims. Companies scored higher if they had technology options like mobile apps and online chat functions.
  • Reputation (20): We gauged trustworthiness based on years of experience and Better Business Bureau (BBB) ratings.
  • Additional benefits (15): Companies that offered optional features, like discounts and endorsements, scored higher than competitors that didn’t.

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.

*A.M. Best ratings accurate as of October 2022

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