Liberty Mutual Home Insurance
Liberty Mutual Home Insurance
in Homeowners Insurance from Liberty Mutual

Liberty Mutual Home Insurance

in Homeowners Insurance from Liberty Mutual
SuperMoney Net Recommendation Score -15  


This product is mostly not recommended by SuperMoney users with a score of -15, equating to 2.7 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Mostly not recommended

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Liberty Mutual Home Insurance Review

Liberty Mutual Home Insurance is an insurance carrier based in Boston, MA. The company was founded in 1912 and offers home insurance in 50 states (and Washington, DC).

Liberty Mutual Home Insurance FAQ

What is the financial strength rating of Liberty Mutual Home Insurance?

The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies. SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.

Liberty Mutual Home Insurance scores an A or excellent financial strength rating, which is SuperMoney's second highest available score.

What types of coverage does Liberty Mutual Home Insurance offer?

Home insurance includes a wide range of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. Liberty Mutual Home Insurance offers the following types of home insurance coverage:

Dwelling Coverage:

Also called "dwelling insurance." This is the part of your homeowner's insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home if it's damaged by a covered hazard.

Guest Medical Protection:

This helps visitors who are injured on your property. It can help cover the necessary medical expenses in an accident, regardless of who's at fault. Medical expenses covered usually include costs like ambulance rides, X-rays, surgical procedures, and hospital stays. Note that guest medical coverage doesn't apply to anyone who lives in the home or is listed on your policy.

Liability Coverage:

The personal liability coverage within your homeowner's policy offers coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.

Other Structures Coverage:

This covers structures on the residence premises separated from the dwelling by a clear space or connected to the dwelling by a fence, utility line, or related connection. Examples include a detached garage, tool shed, driveway, swimming pool, gazebo, or fence.

Personal Property Protection:

This insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them.

Reimbursed Living Expenses:

This coverage reimburses the insured for the cost of maintaining a comparable standard of living following a covered loss that exceeds the insured's normal expenses. For example, it could include an insured's motel bill while fire damage to the home is being repaired or replaced or until the insured moves to a permanent residence.

Liberty Mutual Home Insurance customers can also add the following riders or endorsements to their home insurance policies:

Earthquake Coverage:

This covers some of the losses and damage that earthquakes can cause to your home, belongings, and other buildings on your property.

Identity Theft Protection:

This rider protects homeowners in the event of identity fraud and pays for the cost of restoring their identity.

Inflation Protection:

Inflation coverage protects you by increasing the amount of your homeowner with inflation so that you can maintain adequate coverage to replace your home in the event of a loss.

Valuable Items:

Valuable personal property coverage protects items such as expensive collections, engagement rings, watches, and other jewelry from theft, loss, or damage.

How can you save money on a Liberty Mutual Home Insurance home insurance policy?

When you ask for a quote with Liberty Mutual Home Insurance, make sure you ask for all the discounts you qualify for. These are the property-specific discounts currently available.

  • Alarm System
  • Home Buyer
  • Recent Home Improvements / New Roof
  • Deadbolt Locks on Exterior Doors
  • Fire Extinguisher in the Home
  • Home Monitoring System
  • Smoke Detectors

Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with Liberty Mutual Home Insurance.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Our Editor

What we love about Liberty Mutual Home and Renters Insurance

Liberty Mutual is the fourth largest insurer in the United States, meaning you can get coverage from the company from almost anywhere in the United States. The company offers coverage for both individuals and businesses, making it a good choice for small business owners who want to protect themselves and their business.

The company has a huge number of discounts available which can help people save money on their coverage. For example, you can get a discount for:

  • Bundling multiple policies
  • Not having a claim with your previous insurer for five years or more
  • Owning home security devices
  • Insuring a new or recently-renovated home
  • Staying claim-free for three years
  • Requesting a quote before your other policy expires
  • Insuring 100% of your home’s value

What could Liberty Mutual Home and Renters Insurance do better?

One of the main drawbacks of Liberty Mutual’s home and renters insurance policies is that the company has received more complaints than you’d expect for a company of its size and that it has a reputation for below-average customer service.

When you’re dealing with insurance, you want to work with a company that has good customer service so you can get the help that you need.

Liberty Mutual Home and Renters Insurance’s backstory

Liberty Mutual is an American insurance provider that operates across the globe. The company is based in Boston, Massachusetts, and is one of the largest companies in the United States.

The Verdict

Liberty Mutual can be a good choice of insurer, especially if you can qualify for some of the discounts that it offers. However, there isn’t anything particularly amazing that means you shouldn’t shop around. Consider it as a potential insurer, but make sure you compare policies from other companies to get the best deal.


  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Policy Discounts
  • Advance Purchase / Early Shopper
  • Multiple Policy
  • Claims Free
Property Discounts
  • Alarm System
  • Deadbolt Locks on Exterior Doors
  • Fire Extinguisher in the Home
  • Home Monitoring System
  • Smoke Detectors
  • Home Buyer
  • Recent Home Improvements / New Roof
Home and Renters Insurance
  • Guest Medical Protection
  • Personal Property Protection
  • Reimbursed Living Expenses
  • Dwelling Coverage
  • Liability Coverage
  • Other Structures Coverage
Home and Renters Insurance Riders
  • Earthquake Coverage
  • Valuable Items
  • Identity Theft Protection
  • Flood Coverage (Federal)
  • Inflation Protection
Financial Strength Rating A
Claim Forgiveness
Loyalty Program

Liberty Mutual Home Insurance Community Reviews


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This product is mostly not recommended by SuperMoney users with a score of -15, equating to 2.7 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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