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Licensed property and casualty insurance agent
NPN: 21630969
Updated
Liberty Mutual is the fourth-largest homeowners insurance company in the U.S.[1] And with its solid reputation and more than 100 years in business, Liberty Mutual may be top of mind when you’re shopping for a policy.
Liberty Mutual’s homeowners insurance policies have some perks, including a variety of coverage and discount options and the company’s strong financial strength. But its poor customer reviews may cause some homeowners to turn elsewhere for a policy.
Keep reading to learn more about Liberty Mutual’s home insurance coverage options, its customer reviews and industry ratings, and how its rates stack up to the competition.
| Availability | All 50 states |
| J.D. Power rating | 620/1,000 |
| AM Best financial strength rating | A (Excellent) |
| NAIC complaint index* | 2.60 |
| Customer service phone number | 1 (800) 295-2820 |
| Mailing address | 100 Liberty Way, Dover, NH 03821-7500 |
Liberty Mutual offers a solid number of coverage options, including hurricane coverage. It also has several discounts that will help homeowners save on their premiums.
But the company ranks poorly in the J.D. Power customer satisfaction study, has a high number of home insurance complaints with the National Association of Insurance Commissioners (NAIC), and has generally poor reviews from past and current customers. If you’re considering a policy with Liberty Mutual, it’s worth taking this information into account.
When you’re shopping for homeowners insurance, you can learn a lot about a company by reading reviews from past and current customers and by seeing how industry experts rate the company. You can learn about Liberty Mutual’s average customer and industry ratings below.
Before signing up for an insurance policy, it’s important to see what other customers have to say about a company. We visited three different rating sites to see how customers feel about their Liberty Mutual policies. You can see those trends in the table below.
Review Platform | Rating |
|---|---|
| Trustpilot | 4.2/5 |
| Better Business Bureau (BBB) | 1.08/5 |
| ConsumerAffairs | 1.1/5 |
Liberty Mutual has relatively mixed customer reviews. The company has an “Excellent” rating on Trustpilot, but other review platforms show primarily negative experiences.
For example, plenty of reviews cite issues with getting Liberty Mutual to cover damage to their home. Many homeowners also spoke of policy issues, such as difficulty canceling their policies.
Companies like J.D. Power and AM Best provide third-party ratings of insurers based on factors like customer satisfaction and financial strength. These ratings offer an unbiased assessment of the company’s standing and reputation. The table below shows some of Liberty Mutual’s industry ratings for customer satisfaction, financial strength, and customer complaints.
Rating Service | Rating |
|---|---|
| J.D. Power customer satisfaction | 620/1,000 |
| J.D. Power claims satisfaction | 707/1,000 |
| AM Best | A (Excellent) |
Liberty Mutual doesn’t have the highest financial strength rating of any insurance company, but it still has a solid rating from AM Best.
Its ratings don’t stack up quite as well for customer service. For example, it has a much higher-than-expected number of complaints, according to the National Association of Insurance Commissioners. Also, although the company has solid claims satisfaction, its overall customer satisfaction in the J.D. Power study ranks lower than its competitors.
When you need a homeowners insurance policy, it’s important to shop around for the best policy for your situation. Rates can vary from one company to the next, and the cheapest company for you may be different than the cheapest for someone else. In addition to comparing rates, it’s a good idea to also consider each company’s discounts, coverage options, and other key features.
To help you start your rate comparison, we’ve rounded up the average rates from some of Liberty Mutual’s top competitors, according to Compare.com data, which you can find in the table below.
Company | $200,000 in Dwelling Coverage | $300,000 in Dwelling Coverage | $500,000 in Dwelling Coverage | $750,000 in Dwelling Coverage |
|---|---|---|---|---|
| Allstate | $150 | $204 | $309 | $427 |
| Farmers | $158 | $226 | $371 | $533 |
| State Farm | $180 | $230 | $317 | $416 |
| USAA | $125 | $166 | $240 | $327 |
In addition to its average rates, Liberty Mutual also offers several home insurance discounts that can help you save even more on your premiums. Here are some ways Liberty Mutual can help you save:[2]
Early shopper discount: Helps you save on your premium if you get a home insurance quote from Liberty Mutual while you still have an active policy from another company
New/renovated home discount: Gives you special savings if your house is either newly built or has had substantial renovations
New-roof discount: Lowers your premium if you have a new roof on your home
Multi-policy discount: Helps you save on your insurance if you have more than one Liberty Mutual insurance product, such as both homeowners and auto insurance
Payment discounts: Lowers your premium for things like enrolling in automatic payments or setting up paperless billing
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Before signing up for homeowners insurance, make sure to assess Liberty Mutual’s coverage options to ensure they meet your needs. Liberty Mutual offers all the standard home insurance coverages, as well as several optional add-ons.
Here are the coverages you can get from Liberty Mutual:[3]
Dwelling: Covers damage to your home and other structures on your property
Liability and medical payments: Pays for property damage or injuries to parties outside of your family for incidents that happen in your home
Personal property: Covers damage to your personal property that’s the result of a covered incident
Additional living expense: Pays for your additional living expenses if you have to leave your home while it undergoes repairs after a covered incident
Jewelry: Replaces your lost or stolen jewelry without requiring an appraisal
Service line: Protects your home from utility line failures, including water and sewer lines, power lines, gas lines, and cable lines
Home systems and appliance breakdown: Covers unexpected repairs or replacement costs from breakdowns of your home’s systems and appliances
Water backup: Pays for damage to your home caused by sewer backups and sump pump failures
Hurricane: Covers damage to your home and personal property caused by hurricanes
Inflation protection: Automatically adjusts your coverage limits each time you renew your policy so your coverage keeps up with inflation
Compare partners with top insurers for real-time quotes.
The easiest way to buy a Liberty Mutual homeowners insurance policy is to get a quote on the company’s website and move forward with purchasing a policy. Liberty Mutual even offers a discount if you buy your policy online after you get your quote.
To get your online quote, you’ll have to provide information about yourself and your home, including when you bought it, what renovations you’ve made, and more.
The other way to sign up for a policy is by working with an independent agent. Liberty Mutual has a network of independent agents and brokers all across the country. This may be the right option for you if you prefer getting more hands-on customer service and someone to guide you along the way.
If you already have a Liberty Mutual auto insurance policy, make sure to indicate that when you buy your policy. The company offers a discount for bundling your policies.
If you’re considering Liberty Mutual for your homeowners insurance, be sure to read the answers to these frequently asked questions.
Liberty Mutual’s homeowners insurance policies have some pros and cons, but whether it’s the right company for you will depend on your unique needs. It offers a good number of coverage options and discounts, and it has a solid financial strength rating. On the other hand, it has generally poor customer reviews, which could be a concern for some homeowners.
Your quote from Liberty Mutual may be higher than from another company for a variety of reasons. Your location and coverage needs, as well as some other factors, all play into your rates. Liberty Mutual may rate certain factors higher than others, which could result in higher rates.
Another reason the company’s rates may be high is that while insurance rates are increasing across the board, Liberty Mutual’s rates seem to be rising more than others, according to S&P Global.
The easiest way to contact Liberty Mutual’s customer service if you’re already a customer is to log into your account and use the contact features there. If you’re not a current Liberty Mutual customer, you can contact the company at 1 (800) 295-2820.
Customers have given mixed reviews on how well Liberty Mutual pays out its claims. The company has the financial means to pay its claims, according to its AM Best financial strength rating. But plenty of customer reviews from people complain about Liberty Mutual failing to cover damages that they feel they should have coverage for.
Compare.com data scientists analyzed rates from more than 180 home insurance companies sourced directly from Compare.com’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Additional data points beyond these default values are sourced from Compare.com’s proprietary database. Rates are updated monthly.
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Licensed property and casualty insurance agent
NPN: 21630969
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
