Liberty Mutual and Progressive have over 190 years of combined industry experience, providing insurance products like homeowners insurance and auto insurance. Both of their home insurance policies protect against liability claims, property damage, and structural damage.

To help you choose the best homeowners insurance policy for your home, we created this in-depth Liberty Mutual vs. Progressive home insurance review. Keep reading to learn about their differences in pricing, coverage amounts, endorsements, discounts, customer service, and more.

For free home insurance quotes in your area, call 855-948-5219 or enter your zip code in our free quote tool:

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Liberty Mutual vs. Progressive Home Insurance Comparison

ProviderLiberty MutualProgressive
Other structures coverage limits10% of dwelling10% of dwelling
Personal property coverage limits70% of dwelling70% of dwelling
Monthly price*$139$83
Unique add-onsWater backup, sump overflow, hurricanesPersonal injury
Customer service24/7 for claims; limited for sales and service24/7
BBB ratingA+A+

*Based on quotes from Raleigh, North Carolina


 

Liberty Mutual vs. Progressive Home Insurance: Coverage Comparison

Liberty Mutual and Progressive homeowners coverage looks similar and includes other structures, personal property, loss of use, liability, and medical payments to others protection. However, Liberty Mutual offers more customization options with endorsements.

Liberty Mutual Coverage

Liberty Mutual uses the rebuilding cost of your home for dwelling coverage and a percentage of the rebuilding cost for other structures, personal property, and loss of use coverage. Below are some typical coverage options for liability, medical payments, and deductibles, which you get to choose yourself.

 

Liberty Mutual Coverage Amounts

Type of CoverageCoverage Options
Other structures10% of dwelling
Personal property70% of dwelling
Loss of use20% of dwelling
Liability$100,000, $200,000, $300,000, $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

 

Endorsements

Here are some endorsements you can typically add to your Liberty Mutual policy:

  • Water backup and sump overflow
  • Identity fraud expense
  • Earthquake
  • Blanket jewelry
  • Hurricane
  • Personal property replacement cost

 

Progressive Coverage

Progressive also uses your home’s rebuilding cost for dwelling coverage and a percentage of dwelling coverage for other structures, personal property, and additional living expenses.

 

Progressive Coverage Amounts

Type of CoverageCoverage Options
Other structures10% of dwelling
Personal property70% of dwelling
Loss of use30% of dwelling

 

Endorsements

Progressive offers only two endorsements:

  • Personal injury
  • Water backup

 


 

Liberty Mutual vs. Progressive Home Insurance: Cost Comparison

The national average for homeowners insurance was about $101 per month in 2017, according to the Insurance Information Institute. To determine how Liberty Mutual and Progressive compare to that industry average, we requested insurance quotes from both companies for a one-story home in Raleigh, North Carolina.

Liberty Mutual Cost

After asking questions about the home, like the type of flooring materials and the condition of the roof, Liberty Mutual estimated the home to cost $322,500 to rebuild. This was used to determine dwelling, other structures, personal property, and loss of use coverage. We chose the liability, medical payments, and deductible amounts based on what a standard homeowners insurance policy comes with.

 

Liberty Mutual Quote

Type of CoverageAmount 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
Deductible$1,000
Monthly cost$139

 

Liberty Mutual Discounts

To save money on a policy, check out these discounts commonly offered by Liberty Mutual:

  • Claims-free
  • Safe homeowner
  • Early shopper
  • Newly purchased home
  • New/renovated home
  • New roof
  • Multi-policy
  • Insured to value
  • Preferred payment
  • Paperless policy

 

Progressive Cost

When we requested a quote from Progressive, the company estimated that the same home we used to get a Liberty Mutual quote would cost $285,000 to rebuild.

Type of CoverageAmount of Coverage
Dwelling$285,000
Other structures$28,500
Personal property$199,500
Loss of use$85,500
Liability$300,000
Medical payments to others$1,000 per person
Deductible$1,000
Monthly cost$82.92

 

Progressive Discounts

Like Liberty Mutual, Progressive offers several discounts to bring down the cost of your premium:

  • Multi-policy
  • Easy pay
  • Claims-free
  • Protective device
  • Early signing
  • Welcome and loyalty
  • Home buyer
  • 55 and retired

 

Our Conclusion

Progressive is best for homeowners who are looking for an affordable policy, but if you want a company that offers more comprehensive coverage, we recommend Liberty Mutual.

The quote we received from Progressive was lower than the national average and included the six main types of coverage. However, we got that quote only after going through an hour-and-a-half quote process.

We started the quote process online, but after answering questions about the home and the owner, we were prompted to call customer service to finish the quote. We talked to a customer service representative on the phone for over an hour, which mostly involved answering the same questions that were asked online. Overall, this quote process is not convenient for someone who wants to shop around before picking a company.

Another downside to Progressive is that it doesn’t write its own policies. The company uses other insurance providers’ policies and acts as a third-party seller, so while Progressive does have 24/7 customer service, that may not matter much to a homeowner who will likely have to talk more to the underwriter than to Progressive.

Liberty Mutual not only writes its own policies, but it also lets you get a quote completely online. Additionally, Liberty Mutual policies come with the same six types of coverage as Progressive, but you have the option to add six endorsements to customize your policy. The company also strives to keep its insurance rates low by offering discounts.

The main downside to Liberty Mutual is that it has 24/7 customer service for claims questions only—all other questions about your policy or billing can be answered during normal business hours. However, Liberty Mutual does have a customer portal and a mobile app, which allows you to manage your policy at any time.

To learn how much a policy from these companies would cost, call 855-948-5219 or type your zip code into the quote tool below:

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

 

FAQs

Frequently Asked Questions

 

Our Rating Methodology

The This Old House Reviews 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 home 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 home 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 homeowner 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 ratings.
  • Additional benefits (15): Companies that offered optional features, like discounts and endorsements, scored higher than competitors that didn’t.

The This Old House 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.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.