Overview of Liberty Mutual Home Insurance

Founded in 1912 as a response to a new Massachusetts law requiring that employers carry workers' comp insurance, Liberty Mutual started growing rapidly. By 1914, it was offering auto insurance, and in 1917 it began writing public liability policies. Since then, it also has become famous for its safety research and education campaigns, even earning the 2005 Green Cross for Safety Medallion from the National Safety Council. Though it didn't begin offering property and casualty insurance until its purchase of Prudential's personal lines in 2003, Liberty Mutual is now the third-largest provider of homeowners insurance in the U.S., with a market share of 6.75.

How Does Liberty Mutual Home Insurance Rate?

Consumer Satisfaction Rating

These ratings are from the J.D. Power 2016 U.S. Household Insurance Study - Homeowners Insurance.The highest score for each category is five stars. The Liberty Mutual Insurance Company subsidiary rated here may not be the subsidiary that underwrites your insurance policy. Check with your insurance agent for more information.

Policy Offerings
Billing & Payment
Contacting the Insurer
Customer Complaint Ratio

The National Association of Insurance Commissioners collects complaint information from state insurance regulators. The national median complaint ratio is 1. A score of less than 1 means a company has a less than average number of complaints, while a score higher than 1 means it has more than average. Find out more from the NAIC website.The Liberty Mutual Insurance subsidiary rated here may not be the subsidiary that underwrites your insurance policy. Check with your insurance agent for more information.

Last Updated: July 2017

Financial Strength Rating

A Best's Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company's financial strength and ability to meet its obligations to policyholders. View our Important Notice: Best's Credit Ratings for a disclaimer notice and complete details at http://www.ambest.com/ratings/notice.

Financial Strength is rated on a scale of D (poor) to A+ (superior). A rating notch of either a second "+" or a "-" indicates the gradation of financial strength within the category. We can't guarantee that the subsidiary of Liberty Mutual Insurance rated here is the subsidiary that will underwrite your insurance policy. Check with your insurance agent and review A.M. Best's Financial Strength Rating Guide for more information.

Best's Credit Ratings™ are under continuous review and subject to change and/or affirmation. For the latest Best's Credit Ratings™ and Best's Credit Reports which include Best's Credit Ratings™), visit the A.M. Best website at http://www.ambest.com. See Guide to Best's Credit Ratings™ for explanation of use and charges.

Best's Credit Ratings™ reproduced herein appear under license from A.M. Best and do not constitute, either expressly or impliedly, an endorsement of MoneyGeek.com or its recommendations, formulas, criteria or comparisons to any other ratings, rating scales or rating organizations which are published or referenced herein. A.M. Best is not responsible for transcription errors made in presenting Best's Credit Ratings™. Best's Credit Ratings™ are proprietary and may not be reproduced or distributed without the express written permission of A.M. Best Company.

Source A.M. Best
Rating A

Effective Date: March 2017

Website Features
  • Rate calculator
  • Mobile app
  • Pay bill online
  • Make claim online
  • Household inventory tool

Pros and Cons of Liberty Mutual Home Insurance


  • Liberty Mutual partners with more than 14,000 groups and organizations, so there's a very good chance that you'll qualify for an affinity discount.
  • Their online quote tool is very easy to use, clean and quick and automatically defaults to quoting your policy at the Home Protector Plus level.
  • You can file a claim from your mobile device.
  • In addition to its mobile app, Liberty Mutual offers a variety of useful digital resources, such as the Home Gallery App-which helps you quickly create an inventory of your personal belongings- and an Alexa Skill for Liberty Mutual-which enables owners of Amazon Echo products to get advice on common home topics.


  • It can be hard to find a local office and agent, and even if there is an office close to you, Liberty Mutual recently centralized all of its service representatives to national call centers.
  • The NAIC customer complaint ratio for Liberty Mutual is a whopping 12.76, much worse than the median score of 1.
  • JD Power gave Liberty Mutual three stars in its 2016 Homeowners Insurance study, placing it an only average.

Liberty Mutual Home Insurance Coverage

Liberty Mutual offers a range of standard coverage and additional options appropriate for an insurance company of its size. The company has a history of valuing education, which is evident in its informative website covering a wide range of topics related to homeownership.

The website software will estimate a dwelling replacement cost, but allows you to adjust this number (some companies don't let you change this estimate in the quote). The system also automatically quotes your policy at Liberty Mutual's Home Protector Plus level, which means that the company's standard policy offers very comprehensive coverage, instead of just the bare essentials.


The software estimates the replacement cost of your home, but you can change this number. If you reduce the coverage to a certain point, the system will warn you that the policy no longer qualifies for the Home Protector Plus coverage. In this case, you may be instructed call to purchase a policy.

Other structures

The other structures coverage is set at 10 percent of the dwelling coverage limit.

Personal property

The coverage for personal property is automatically set at 75 percent of the dwelling coverage.

Loss of use

There is no financial limit to this coverage. Your policy will cover the actual loss you incur.


You can choose from several options ranging from $100,000 to $1 million.

Medical payments

The no-fault guest medical coverage is available in coverage levels of $1,000 to $5,000 in thousand-dollar increments.


The wind/hail damage deductible is separate from the non-wind damage deductible, but both have a limited range of options. For wind, you can choose $1,000 or $2,500 or one or two percent of your dwelling coverage. For the regular damage deductible, the choices range from $500 to $2,500.

Expanded replacement cost

The Home Protector Plus policy includes extra coverage above and beyond the stated replacement cost limit to rebuild the house in the case of a total loss.

Just about all of the optional extras that you will find in the home insurance industry are available on your Liberty Mutual policy, with the exception of equipment breakdown coverage.

Water back-up and sump pump overflow

Liberty Mutual offers water-back up, but the only coverage option is $10,000.

Earthquake coverage

Liberty Mutual is one of the few companies to allow you to include earthquake coverage on your quote without first consulting with an agent. The deductible for the coverage is expressed as a percentage of your dwelling coverage limit.

Flood insurance

Liberty Mutual does write flood policies through the National Flood Insurance Program, but you will need to discuss it with an agent.

Identity fraud expense coverage

With this option, you have $15,000 of protection to help you recover from an instance of identity theft.

Home computer and smart phone coverage

Many of the personal property items that have special limits of coverage are uncommon, but just about everyone has a home computer or a smart phone. This coverage can be added at the $5,000; $7,500 or $10,000 level.

Blanket jewelry coverage

Instead of individually scheduling your jewelry, you can get blanket protection for your pieces. This can be purchased for extra protection coverages of $2,500 to $10,000.

Scheduled property

You can add individual and specific protection for other items that fall within the parameters of the special limits of coverage property, such as furs or firearms.

Available Discounts on Liberty Mutual's Home Insurance Coverage

Liberty Mutual has a nice selection of standard discounts available on home insurance policies, but the big opportunity for savings comes from the company's affinity discount program.

Type of Discount Description
Affinity discount Liberty Mutual has partnerships with more than 14,000 different groups, including employers, alumni associations, and professional associations. If you are a member of any one of them, you can get this discount.
Multi-policy discount Liberty Mutual writes auto and life policies as well, so you have the chance to bundle and save some money.
Claims-free discount When you get a new home policy with Liberty Mutual, you'll receive extra savings if you haven't filed an insurance claim in the past five years.
Safe homeowner program If you already have a home policy with the company, you only have to have a record of no claims in the past three years in order to get a discount.
Early shopper discount If you plan ahead and move your insurance over before your old policy is up for renewal, you will see some extra savings.
Protective devices discount Systems to protect against theft or fire and smart systems to monitor for leaks are all ways to take advantage of this discount.
Insured to value discount You might be eligible for a discount just for insuring your house for 100 percent of its replacement cost.
Newly purchased home discount If you just bought a new house, this discount might apply.
New/renovated home discount A house that was just recently built or remodeled may be eligible for extra savings on the home insurance premium.

How to Make a Home Insurance Claim with Liberty Mutual

You can file a home insurance claim with Liberty Mutual by phone, online or even from your mobile device. You'll need to provide some basic information, and then the claims representative will take over. Depending on the severity of the damage, Liberty Mutual might not send a field inspector to assess the claim. It might be possible to handle the claim by phone or by video chat. If you have stored your home records on the Liberty Mutual home inventory tool, you can also use that to help document your claim. When it's time for your claim payment, Liberty Mutual will send it to you by mail.

How to Contact Liberty Mutual Home Insurance

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