On customer satisfaction, Liberty Mutual has a clear edge over State Farm, and that matters as much as finding affordable home insurance rates when something actually goes wrong. J.D. Power's homeowners insurance study gives Liberty Mutual a 722 out of 1,000, above the 702 study average, while State Farm scores 690, below it. For homeowners who weigh service quality alongside price, that 32-point gap is worth factoring in before choosing between the two.
Liberty Mutual vs. State Farm: Home Insurance Comparison
Updated: July 10, 2026
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Key Takeaways
Liberty Mutual sits 20 points above the J.D. Power study average at 722, while State Farm sits 12 points below it at 690.
If you have jewelry, sports equipment or medical devices worth protecting, State Farm's Scheduled Personal Property add-on covers those where a standard policy won't.
Liberty Mutual's Inflation Protection discount automatically adjusts your coverage at renewal, which matters more as rebuilding costs keep rising.
State Farm vs. Liberty Mutual: Which Company Has Better Customer Service?
COMPARE STATE FARM HOME INSURANCE WITH OTHER COMPANIES
Liberty Mutual vs. State Farm: Which Company Has More Optional Coverages?
State Farm offers five optional coverages to Liberty Mutual's four, but the total count matters less than what each insurer covers that the other doesn't. Both offer water backup and home systems breakdown protection, so the real differences show up beyond those two shared add-ons. State Farm adds identity theft coverage, scheduled personal property and umbrella insurance; Liberty Mutual adds service line protection and hurricane damage coverage.
Covers water damage to your home and belongings when water backs up through sewers or drains, or when your sump pump fails. | ✓ | ✓ | |
Home systems breakdown | Pays for repairs or replacement when your home's systems or appliances break down due to mechanical or electrical failure, including HVAC systems, water heaters and major appliances. | ✓ | ✓ |
Identity theft | Provides coverage, for an annual fee of $25, to help pay for expenses and recovery costs related to identity fraud. | ✓ | ✕ |
Offers replacement cost coverage for high-value belongings such as jewelry, sports equipment and medical devices. | ✓ | ✕ | |
Umbrella insurance | Adds extra liability protection beyond standard policy limits for personal injury or property damage claims. | ✓ | ✕ |
Service line | Covers repair costs when underground utility lines on your property fail unexpectedly, including water, sewer, electrical and cable lines. | ✕ | ✓ |
Hurricane damage | Provides additional coverage for damage caused by hurricanes and tropical storms. | ✕ | ✓ |
*Note: List of coverages is based on what’s available on the provider’s website at the time of writing. Actual availability of coverages varies by state. Speak with your agent to see what coverage is offered in your state.
State Farm vs. Liberty Mutual: Which Company Has More Discounts?
State Farm's four discounts are narrow by design: each one rewards a specific home improvement or safety upgrade. Liberty Mutual's six discounts cover more ground, from bundling policies to choosing preferred payment options, so more homeowners will qualify for at least one. The right fit depends on what you've already done to your home and how you prefer to manage your policy.
Home security | Save on your premium by installing approved protective devices such as smoke detectors, fire alarms or monitored security systems. | ✓ | ✕ |
Roofing | Get a discount when you use qualifying impact-resistant or class 4 roofing materials and complete the certification form for verification. | ✓ | ✕ |
Wind mitigation | Earn savings if your home meets FORTIFIED building standards, Florida Building Codes or other approved construction criteria. | ✓ | ✕ |
Wildfire mitigation | In California, qualify for discounts when you take wildfire prevention measures or live in a designated fire-safe community. | ✓ | ✕ |
New roof | Reduces your premium when you install a new roof, rewarding your investment in protecting your home. | ✕ | ✓ |
New/renovated home | Offers special savings for homes built recently or homes that underwent substantial renovations. | ✕ | ✓ |
Inflation protection | Adjusts your coverage limits automatically at renewal to match inflation and reduces your premium for maintaining adequate coverage. | ✕ | ✓ |
Early shopper | Rewards you with savings when you get a quote before your current policy expires and purchase coverage from Liberty Mutual. | ✕ | ✓ |
Multi-policy | Saves you money when you bundle multiple insurance policies with Liberty Mutual. | ✕ | ✓ |
Preferred payment | Gives you a discount for enrolling in automatic bank payments or paying your entire premium in one or two installments. | ✕ | ✓ |
*Discounts reflect provider websites at publication and vary by state. Confirm eligibility with your agent.
YOUR QUOTE MATTERS MORE THAN ANY AVERAGE
For $250,000 in dwelling coverage, State Farm averages $2,141 per year ($179 per month), but your rate will depend on your home, location and the discounts you qualify for. Liberty Mutual's rates shift more by state and home profile, so a personal quote will tell you more than any national average. Use State Farm's rate as your baseline, then get a Liberty Mutual quote to see the actual gap for your home.
State Farm vs. Liberty Mutual Homeowners Insurance: Bottom Line
The right choice depends on what matters more to you after you've bought the policy. Liberty Mutual scores better on customer satisfaction, offers more discount options and adds hurricane coverage that State Farm doesn't. State Farm covers more ground on optional add-ons, with identity theft protection at $25 a year, scheduled personal property for valuables and umbrella insurance beyond standard limits.
Ultimately, the best home insurance isn't the same for every homeowner: your location, what you own and how you prefer to manage your policy will decide which of these two is the better fit.
State Farm & Liberty Mutual Insurance: FAQ
It depends on what you need. Liberty Mutual scores 722 on J.D. Power's customer satisfaction study, above the 702 average, and offers more discount options. State Farm scores 690 but covers more ground on optional add-ons, including identity theft protection and scheduled personal property for high-value items. If customer satisfaction and discount variety matter most, Liberty Mutual has the edge. If coverage depth is the priority, State Farm is the stronger pick.
Yes. Liberty Mutual offers six discounts to State Farm's four. Liberty Mutual's lineup includes options for new or renovated homes, early shoppers, bundlers and those who prefer automatic payments. State Farm's four discounts are built around home improvements: security systems, impact-resistant roofing, wind mitigation and wildfire prevention in California.
State Farm averages $179 per month ($2,141 per year) for $250,000 in dwelling coverage, which gives you a useful starting point. Liberty Mutual doesn't publish a comparable national average, and its rates vary more by state, home profile and the discounts you qualify for. The most accurate way to compare is to get your own quotes from both insurers.
Liberty Mutual & State Farm Home Insurance Rates: Our Methodology
MoneyGeek evaluated State Farm using a consistent national profile: a 40-year-old homeowner with a 2,500-square-foot home, $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage, good credit and no claims in the past five years. For Liberty Mutual, we relied on J.D. Power satisfaction data and available information from Liberty Mutual's website. To learn more about how we assess home insurance providers, read MoneyGeek's home insurance methodology.
Liberty Mutual Insurance vs. State Farm: Related Pages
About Mark Fitzpatrick
Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.
Sources
- J.D. Power. "Homeowners Insurance Claims Satisfaction Improves as Repair Cycle Times Improve, JD Power Finds." Accessed July 21, 2026.
- Liberty Mutual. "Homeowners Insurance Discounts." Accessed July 21, 2026.