Last Updated: 03/31/2026
Liberty Mutual Renters Insurance
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in Renters Insurance from Liberty Mutual
Last Updated: 03/31/2026
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Highlights
Community Rating
Strongly recommended
Financial Strength Rating
A(Verified 04/18/2025)
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Home and Renters Insurance Riders
- Earthquake Coverage
- Valuable Items
- Identity Theft Protection
Home and Renters Insurance
- Guest Medical Protection
- Renters Liability Coverage
- Personal Property Protection
- Reimbursed Living Expenses
Number of Reviews
Liberty Mutual Renters Insurance Review
Liberty Mutual Renters Insurance is an insurance carrier based in Boston, MA. The company was founded in 1912 and offers renters insurance in 49 states (and Washington, DC).
Liberty Mutual Renters Insurance FAQ
What is the financial strength rating of Liberty Mutual Renters 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 Renters Insurance scores an A or excellent financial strength rating, which is SuperMoney's second highest available score.
What types of coverage does Liberty Mutual Renters Insurance offer?
Renters insurance includes a wide range of coverages. One of the best ways to save money on your policy is to only pay for the coverage you need. Liberty Mutual Renters Insurance offers the following types of renters insurance coverage:
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.
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.
Renters Liability Coverage:
If a claim is made against you or you are sued as a result of a covered occurrence, your renters personal liability coverage can help to cover the associated legal costs and related damages. For example, if a visitor accidentally trips and falls in your apartment and breaks a leg, your renters insurance policy may be able to help protect you.
Liberty Mutual Renters Insurance customers can also add the following riders or endorsements to their renters 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.
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 Renters Insurance renters insurance policy?
When you ask for a quote with Liberty Mutual Renters Insurance, make sure you ask for all the discounts you qualify for. These are the property-specific discounts currently available.
- Alarm System.
- 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 Renters 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.
Hours of Operation
Sunday
Closed
Monday
8:00AM - 6:00PM
Tuesday
8:00AM - 6:00PM
Wednesday
8:00AM - 6:00PM
Thursday
8:00AM - 6:00PM
Friday
8:00AM - 6:00PM
Saturday
Closed