Liberty Mutual Home Insurance Review: Service, Cost, & More (2023)

Enter your ZIP code to get started


Free. Simple. Secure.

Updated: May 22, 2024

Advertising & Editorial Disclosure

MoneyGeek Logo IconBadge ribbonscore88








checkmarkOffers several more discounts than the industry average
checkmarkIncludes all the standard coverages
checkmarkAllows you to manage your account via the mobile app


closeHas an average J.D. Power rating for customer satisfaction


Liberty Mutual homeowners insurance provides two unique coverages: hurricane damage and inflation protection. It also has eleven discount options, most of which are not commonly offered by insurance companies.

Although the company provides affordable insurance policies, it received an average J.D. Power rating, indicating it provides mediocre to poor customer service. Despite this, the company reportedly receives fewer customer complaints than other providers in the industry.

Liberty Mutual provides average customer service to policyholders and offers affordable insurance policies that include standard coverages.

Does Liberty Mutual Have Good Customer Service?

Liberty Mutual garnered a MoneyGeek score of 88 out of 100 based on customer satisfaction, financial stability and affordability. Its satisfaction score is average, earning a J.D. Power customer satisfaction rating of 3.63 out of 5. However, it has excellent scores for affordability and financial stability.

Customer Satisfaction Rating

Liberty Mutual received a J.D. Power customer satisfaction score of 3.63 out of 5 based on J.D. Power’s U.S. Home Insurance Study. Compared to other insurance companies, Liberty Mutual’s score is considered average. To know how well this insurer’s customer service is, you can refer to our chart.

Customer Complaint Index

Liberty Mutual’s NAIC Customer Complaint Index is 0.55, well below the national median ratio of 1.00. This means that the company receives fewer complaints, on average, than other providers in the industry.

Financial Stability Rating

In terms of financial stability, Liberty Mutual has an AM Best rating of A which falls under the excellent category. AM Best is an organization that assesses insurance companies based on their financial stability. This rating means that Liberty Mutual consistently fulfills claims made by policyholders.

What to Expect From Liberty Mutual Homeowners Insurance

Most customers have a hard time setting up their homeowners or renters insurance policy because they don’t know where to begin. Every company has its own process as they either allow application via in-person visits, online, talking to an agent or even hands-free.

Liberty Mutual has online and over-the-phone services for its customers. MoneyGeek provided a guide for how to get a quote, contact customer support, file a claim and cancel your policy.

Getting a quote

Homeowners can visit Liberty Mutual’s official website or call their hotline at 1-800-295-2723 to get a quote. For the online quote, the process begins with entering your ZIP code. MoneyGeek also collected general quotes from Liberty Mutual which you will find later in this article.

Customer support

Liberty Mutual has the following support channels:

  • Over the phone: 1-800-290-8711
  • Liberty Mutual mobile app for Android and iOS users
  • Logging in to your account on their official website.

Customers can access customer service 24/7 when they login to their online account.

Filing a claim

You can file a claim online via Liberty Mutual’s official website. The page provides step-by-step instructions and you can finish the process in less than ten minutes. It also gives the option of logging in to your account or filing a claim as a guest.

Canceling your policy

Customers can cancel their Liberty Mutual homeowners insurance policy over the phone by calling 1-800-290-8711. A customer service representative will handle your concerns and take you through the cancellation process.

checkList icon

Liberty Mutual's official website allows you to file a claim online. You will need to provide the approximate date and basic details of the incident. The process will take five to ten minutes. Once finished, Liberty Mutual will contact you for more information, if necessary. Take note that an online application only initiates the procedure; an agent will contact you to complete your claim.

dc icon

Liberty Mutual’s homeowners insurance is available in all 50 states in the U.S. and Washington, D.C.

How Much Does Liberty Mutual Homeowners Insurance Cost?

Liberty Mutual charges $764 per year for a $250,000 dwelling coverage homeowners insurance. This is significantly less than the national average cost of $1,979 per year. The cost of your insurance depends on how much dwelling coverage you have as well as optional coverages that you add to your policy.

To help policyholders save even more, Liberty Mutual offers a wide range of discounts including loyalty, bundling and claims-free discounts, among others.

Dwelling Coverage
Annual Premium









Several factors affect the cost of home insurance. Some of these factors are location, replacement cost coverage, personal coverage and deductible amounts. While a $250,000 dwelling coverage is a decent point of reference, it’s better to assess the value of your home to determine how much coverage you really need.

Other coverages also have their own limits. For example, our recommended policy limit for personal property coverage is 50% of your dwelling coverage. So, if your dwelling coverage is $250,000, your policy limit for this specific coverage should be $125,000.

To find out how different coverage limits will affect the cost of your home insurance, you can get an estimate using MoneyGeek’s calculator.

Home Insurance

MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.


Rates updated:

Jul 15, 2024

Shield Insurance
Why You Can Trust MoneyGeek

Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.

mglogo icon

Home insurance with a small coverage limit is cheaper but only in the short-term; if you have to get reimbursed for home rebuilding costs, your insurance policy may not cover all your expenses.

What Discounts Does Liberty Mutual Offer?

Liberty Mutual offers 11 discounts which is more than the average number of advertised discounts of seven in the industry. Additionally, several of these discounts are not offered by most insurance companies. These discounts include loyalty, early payment, home buyer, roofing material, insured to value, automatic payment and paperless discounts.


Claims Free

Homeowners can get a discount when they have not filed a claim for five years with their previous insurer.


If homeowners stay claims-free with Liberty Mutual for at least three years, they can get a discount.

Early Payment

Getting a quote from Liberty Mutual before your current policy expires is rewarded with a discount.

Home Buyer

Newly purchased homes get a discount.

Roofing Material

Homeowners get a discount when they have a new roof.

discount icon

Homeowners can get a discount on their insurance by bundling their home insurance with auto insurance. According to Liberty Mutual, customers can save $947 by bundling insurance policies. Getting both your home insurance and auto insurance from Liberty Mutual can save you a significant amount of money.

Which Coverage Types Does Liberty Mutual Offer?

This company offers all the standard coverages, like dwelling, replacement cost, personal property, personal liability, medical payment and loss of use. It offers a total of five coverages which is the same amount as the industry average.

Two of these coverages are unique, specifically hurricane damage and inflation protection. These coverages protect your finances in case your home incurs damage from hurricanes and allows you to keep up with inflation.

insurance2 icon

MoneyGeek obtained quotes from Liberty Mutual for the following coverage limits:

  • $250,000: $764
  • $500,000: $1,244
  • $750,000: $1,859
  • $1,000,000: $1,471

The information you give to your insurer could dictate the coverage limit that you will get. It’s also rare for an insurance company to let you choose from a list of coverage levels. Because of this, giving the right details about your home is crucial to know the cost and coverage of your insurance policy.

Liberty Mutual has two unique coverages, hurricane damage and inflation protection. To know what these endorsements can add to your policy, the list below gives more information about these.

Hurricane Damage

It covers hurricane damage specifically — it does not apply to weather damage. This is included in your standard policy.

Inflation Protection

When added to your policy, either upfront or during renewal, this coverage allows you to adjust your coverage limits based on inflation. It also gives you a discount on your premium.

Contents Replacement Cost

Liberty Mutual will compensate you for the items' actual cash value at the time of loss up to the cost of the full amount of the products. This is an optional coverage.

Scheduled Personal Property

If your jewelry is lost or stolen, your home insurance policy can replace it without a deductible or an up-front appraisal. This is an optional coverage.

Back-Up of Sewer or Drain

It covers damages from water back-up or overflow from sewers, drains and sump pump wells. This is an optional coverage.

One of the main considerations while shopping for homeowners insurance is the inclusion of standard coverages in your policy. It’s important to check the fine print of your chosen policy to ensure that you're fully protected with standard and add-on coverages.

Flood, earthquake and pest coverages are often not included in standard homeowners insurance policies. If these coverages are crucial to your purchasing decision, you can check if the company offers them as an endorsement or a separate policy.

Personal Property
Personal Liability and Medical Payment to Others
Loss of use

What Online Homeowners Insurance Tools Does Liberty Mutual Offer?

Liberty Mutual has online tools that allow customers to easily get quotes, manage their accounts, pay bills and file claims. They can do so through the Liberty Mutual official website or the mobile app. Some of these features are available for prospective policyholders, or those who don’t have accounts, as well as for policy owners.

Online price quotes
Mobile app
Flexible payment options
Online bill payments
Online claims

Other Liberty Mutual Insurance Products

Type of Product

Auto insurance

Liberty Mutual’s auto insurance covers your vehicles in case liability comes up. You can bundle this with your Liberty Mutual homeowners insurance policy to get a discount.

Business insurance

Increase the stability of your business by getting Liberty Mutual business insurance.

Life insurance

Liberty Mutual life insurance protects your loved ones from financial responsibilities after your death.

Identity Theft insurance

Loss of employment documents, credit tracking and more are covered by identity theft insurance.

Pet insurance

Pet insurance from Liberty Mutual protects your pets and lessens your worries when it's time to get veterinary care.


To evaluate Liberty Mutual as a homeowners insurance company, MoneyGeek analyzed the Liberty Mutual website, manually collected quotes and consulted consumer intelligence organizations such as J.D. Power, the NAIC and AM Best.

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.