Founded in 1912, Liberty Mutual has grown into the eighth largest global property and casualty insurer based on 2023 gross written premium. The Boston-based company ranks 87 on the Fortune 100 list of the largest corporations in the US based on 2023 revenue.
Liberty Mutual Home Insurance Review
Updated: October 22, 2025
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Key Takeaways
Liberty Mutual offers four optional coverages, including service line and home systems and appliance breakdown protection.
Homeowners can save with Liberty Mutual's seven discounts, including multi-policy and paperless discounts.
Liberty Mutual ranks as the eighth largest global property and casualty insurer based on 2023 gross written premium.
Liberty Mutual Home Insurance: Quick History
What Does Liberty Mutual Homeowners Insurance Cover?
Liberty Mutual homes insurance covers all six of the standard home insurance coverages, including liability for injuries sustained on your property and damage to your property.
Dwelling Coverage
Repairs to your home's structure following covered incidents, such as wind or fire damage, are covered by dwelling coverage. Your home and any associated structures, such as built-in appliances, are covered.
Other Structures Coverage
Other structures coverage handles damage to detached buildings on your property, including garages, sheds, fences, pergolas and gazebos.
Personal Property Coverage
Your possessions are covered by personal property insurance in the event that they are stolen, damaged, or destroyed. This covers personal belongings such as clothing, electronics, appliances and furnishing.
Personal Liability Coverage
Legal fees and damages are covered by personal liability insurance in the event that someone is hurt on your property or that you inadvertently cause damage to someone else's property. This coverage takes care of settlement payments, legal fees and medical bills.
Medical Payments Coverage
Medical payments coverage covers immediate medical costs for guests injured at your home, even when you're not legally liable. Small injuries receive quick payment without lengthy claim processes.
Loss of Use Coverage
Loss of use coverage reimburses you for extra costs when you can't live in your home during repairs. This includes hotel bills, meal expenses, laundry costs and pet boarding fees.
Optional Home Insurance Coverages from Liberty Mutual
Although coverage availability varies by state, Liberty Mutual offers four optional endorsements to supplement your standard home insurance policy. To determine which optional coverages best suit your needs, look over the table below.
Service Line | Covers repair costs when underground utility lines on your property fail unexpectedly, including water, sewer, electrical and cable lines. |
Home Systems and Appliance 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. |
Water Backup | Covers water damage to your home and belongings when water backs up through sewers or drains, or when your sump pump fails. |
Hurricane Damage | Provides additional coverage for damage caused by hurricanes and tropical storms. |
What Does Liberty Mutual's Home Insurance Not Cover?
Standard homeowners insurance from Liberty Mutual excludes specific types of damage that require additional coverage or separate policies. Your policy won't cover floods, earthquakes, intentional damage, neglect and certain high-value items without additional protection.
Certain Natural Disasters
Water damage from flooding and ground movement from earthquakes need separate insurance policies. Standard homeowners policies don't cover rising water or earth movement, so you must purchase flood insurance separately and add earthquake coverage through an endorsement if available in your state.
Intentional or Preventable Damage
Liberty Mutual won't pay for damage you cause on purpose or problems that develop from neglecting your home's maintenance. Wear and tear, deterioration and damage from deferred maintenance aren't covered events.
High Value Items
Your standard policy limits coverage for expensive items like jewelry, fine art, antiques and collectibles.
Liberty Mutual Homeowners Insurance Discounts
Liberty Mutual provides seven discounts to help you save on homeowners insurance, though discount availability depends on your state. Contact an agent to find out which discounts you qualify for.
Inflation Protection | Adjusts your coverage limits automatically at renewal to match inflation and reduces your premium for maintaining adequate coverage. |
Early Shopper Discount | Rewards you with savings when you get a quote before your current policy expires and purchase coverage from Liberty Mutual. |
New/Renovated Home Discount | Offers special savings for homes built recently or homes that underwent substantial renovations. |
New Roof Discount | Reduces your premium when you install a new roof, rewarding your investment in protecting your home. |
Multi-Policy Discount | Saves you money when you bundle multiple insurance policies with Liberty Mutual, making it one of the company's most popular discounts. |
Preferred Payment Discount | Gives you a discount for enrolling in automatic bank payments or paying your entire premium in one or two installments. |
Paperless Discount | Reduces your premium when you choose electronic documents instead of paper statements and policy materials. |
How to Buy Liberty Mutual’s Homeowners Insurance
You can buy home insurance from Liberty Mutual through its website or by working with a licensed agent who can guide you through the process. Liberty Mutual makes it simple to get coverage whether you prefer online shopping or personalized service from an insurance professional.
- 1Calculate Your Coverage Needs
Determine how much home insurance you need by evaluating your home's replacement cost, personal property value and liability exposure. Create a home inventory to document your belongings and estimate how much coverage protects your assets adequately.
- 2Request a Quote Online or Through an Agent
Start the quote process online at Liberty Mutual's website or call an agent to discuss your coverage needs. Gather details about your home's construction, age, security features and recent updates to receive an accurate quote.
- 3Compare Policy Options
Compare policies to see how different coverage amounts and deductibles affect your premium. Look at optional coverages like service line or water backup protection to address gaps in standard policies.
- 4Apply for Discounts
Identify which discounts you qualify for and apply them to reduce your premium. Your agent can help you find all eligible savings opportunities based on your home, payment preferences and other policies.
- 5Review and Finalize Your Policy
Review your final policy documents to verify coverage amounts, deductibles and exclusions meet your expectations. Sign your policy and set up your payment method to activate your homeowners insurance coverage.
How to File a Homeowners Insurance Claim with Liberty Mutual
You can file a homeowners insurance claim with Liberty Mutual online, through the mobile app, or by phone, with the company supporting you at every step. Liberty Mutual's claim process includes damage review, estimate preparation and ongoing status updates you can track online.
- 1Report the Claim
Submit your claim through Liberty Mutual's website, file through the mobile app to track and manage everything digitally, or call to report your claim over the phone. The company asks for specific details about the damage or loss to begin processing your claim.
- 2Document the Damage
Photograph all affected areas and damaged items, compile receipts for temporary repairs or additional living expenses, and document your losses thoroughly. Submit this documentation online through your claim portal where you can also upload estimates from contractors.
- 3Schedule an Inspection
An adjuster reviews your property damage and any related injuries, using photos in some cases or conducting an in-person inspection for more complex claims. Liberty Mutual provides a repair estimate covering all eligible damages under your policy after completing the assessment.
- 4Review the Settlement and Repair Process
Review the settlement offer from Liberty Mutual with your adjuster to clarify covered damages and payment amounts. Pay your policy deductible first, then Liberty Mutual pays the remaining repair costs within your coverage limits.
Other Liberty Mutual Products
Liberty Mutual offers a comprehensive range of insurance products beyond homeowners coverage to protect different aspects of your life and property. The company insures vehicles, businesses and provides additional protection through specialty insurance products.
Property Insurance | Covers renters, condo owners, landlords, mobile homes and flood risks with policies tailored to each property type and living situation. |
Auto and Vehicle Insurance | Protects cars, motorcycles, boats and watercraft, antique and classic cars, ATVs and off-road vehicles, recreational vehicles and offers umbrella coverage for additional liability protection. |
Life and Personal Protection | Provides life insurance, identity theft protection and pet insurance to safeguard your family's financial future and personal wellbeing. |
Small Business Insurance | Offers business owner's policies, workers compensation and commercial auto coverage for small business owners. |
Midsize and Large Business Insurance | Delivers commercial and auto coverage, environmental liability protection and equipment breakdown insurance for larger enterprises. |
Liberty Mutual Home Insurance Review: Bottom Line
Liberty Mutual provides homeowners with four optional coverages including service line and water backup protection, along with seven discounts such as multi-policy bundling and new roof savings. The company's long history since 1912 and position as the eighth largest global property and casualty insurer demonstrate its stability and experience.
Liberty Mutual serves customers through its website and agent network, offering flexibility in how you purchase and manage your policy. The claims process works through online portals, mobile apps or phone support, making it convenient to file and track claims when damage occurs.
Liberty Mutual Home Insurance: FAQ
Here are answers to common questions about Liberty Mutual's homeowners insurance coverage, discounts and claim process.
What optional coverages does Liberty Mutual offer for homeowners?
Liberty Mutual provides four optional coverages you can add to your standard policy: service line, home systems and appliance breakdown, water backup and hurricane damage protection. These endorsements address specific risks that standard homeowners policies don't cover, though availability varies by state.
How do I file a claim with Liberty Mutual?
You can file a homeowners insurance claim with Liberty Mutual online through their website, using their mobile app, or by calling their claims department. The company guides you through documenting damage, scheduling inspections and tracking your claim status throughout the settlement process.
Does Liberty Mutual's homeowners insurance cover flood damage?
Standard homeowners insurance from Liberty Mutual doesn't cover flood damage, which requires a separate flood insurance policy. You can purchase flood coverage through the National Flood Insurance Program or private insurers to protect your home from rising water and flood-related losses.
What types of insurance does Liberty Mutual sell besides homeowners coverage?
Liberty Mutual offers auto and vehicle insurance, renters and condo insurance, landlord policies, life insurance, pet insurance, identity theft protection and business insurance for companies of all sizes. The company provides comprehensive coverage options for personal and commercial insurance needs.
Home Insurance Review for Liberty Mutual: Related Articles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Liberty Mutual. "Home Insurance Coverages." Accessed October 22, 2025.
- Liberty Mutual. "Home Insurance Discounts." Accessed October 22, 2025.