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Reviewed By Micah Pratt
on February 5, 2016

Liberty Mutual Liberty Mutual

Overall 3.5 / 5

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If you haven’t heard of Liberty Mutual, you probably don’t live in the United States. Liberty Mutual Insurance is one of the biggest insurers in the country offering a wide range of products. Auto, home, renters, condo, and business insurance are just a few of the options you can expect.

With a wide network of agents across the country, Liberty Mutual can service many claims and policies more efficiently.  More importantly for some consumers, they can offer more coverage at a lower price while making room for high-risk consumers. This means that no matter where you live, Liberty Mutual can help you explore home insurance options.

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What Can We Tell You About?

What Are The Benefits of Working with Liberty Mutual Insurance for Your Home?

  • The Home Insurance Coverage Calculator helps you decide on home insurance coverage options by walking you through important questions about your life. This way, you can avoid buying too much or too little coverage and save yourself from paying the wrong price, and better understand your quote from Liberty Mutual.
  • Home Gallery® App helps you keep track of all your belongings so you can file a claim faster if they’re damaged, stolen, or destroyed. Just catalog everything you own and store it in this app. If you ever need to file a claim, you can send it to Liberty Mutual’s agent to expedite the claims process.
  • Home Protector PlusTM is an enhanced coverage program that you can choose for more coverage and attentive service. It’s just like giving yourself VIP treatment and will ensure that your most treasured assets are protected.

Is There A Downside to Homeowners Insurance with Liberty Mutual Insurance?

  • Sub-par consumer review scores for pricing and interaction with Liberty Mutual agents.

How Can You Save with Liberty Mutual Home Insurance?

You may save on a home insurance policy with Liberty Mutual with the following discounts:


Home Requirements

Liberty Mutual Home Insurance Discounts

You may save on a home insurance policy with Liberty Mutual with the following discounts:

  • Homeowners Discount
  • Multi-Policy Discount
  • Group Discounts
  • Claims Free Discount
  • Safe Homeowner Discount
  • Early Sign-Up Discount
  • Safety Device Discount
  • Insured Value Discount for when you’re 100% covered for what it would cost to replace your home.
  • Newly Purchased Home Discount
  • New or Renovated Home Discount

Make sure to ask about discounts along with a quote from Liberty Mutual.

Industry Rankings

The rankings below are fantastic indicators of how a company is doing based on customer reviews. If you’re interested in what people like you think about Liberty Mutual, check it out.

JD Power Scores

J.D. Power surveys customers about their insurance companies and scores them based on the findings. It’s a great gauge for overall customer satisfaction.

In a 2015 J.D. Power U.S. Household Insurance Study for Homeowners Insurance, Liberty Mutual scored:

Household Insurance Study

Overall Satisfaction

Policy Offerings

Pricing

Billing and Payment

Customer Interaction

Claims Experience

Source: www.jdpower.com

Where Does Liberty Mutual Insurance Sell The Most Insurance Policies?

Based on all other homeowners insurance companies, Liberty Mutual ranked in the top 10 most popular companies in 48 states. Out of those 48 states, it ranks in the top five in 32 of them. Here are the states where Liberty Mutual ranks as a top five provider:

 Rank in StateMarket Share PercentDirect Premiums Written
Montana215.24 42,136
New Hamshire115.09 56,306
Washington213.51 205,599
Oregon313.29 94,933
Connecticut112.37 170,677
Idaho311.82 35,316
Maine111.8 44,994
Massachusetts210.97 227,357
Vermont310.61 19,545
Delaware310.59 24,366
Kentucky310.33 108,953
Rhode Island39.35 33,072
New Mexico49.23 43,268
Oklahoma39.19 140,165
New Jersey29.11 226,029
Wyoming48.91 15,151
Pennsylvania58.59 272,441
Missouri38.46 155,727
New York78.45 130,890
Texas58.33 425,606
Alaska58.26 649,588
Ohio58.03 12,851
Tennessee47.57 203,460
Louisiana47.44 136,796
Indiana67.37 139,374
Nevada37.37 133,089
Georgia66.97 100,766
Mississippi46.93 123,191
Kansas46.56 33,172
West Virginia46.41 173,002
California56.28 58,178
Wisconsin65.88 118,642
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According to our research, it’s most popular states–where it has the highest percentage of customers compared to other states it sells in–are Montana, New Hampshire, Washington, Oregon, and Connecticut.

As you can see in the above chart–looking at total premiums written per state–Texas, New York, California, Pennsylvania, and Massachusetts are where it does the most business.

What Do Customers Say about Liberty Mutual Home Coverage?

Reading customer reviews is an easy way to see what it’s like to be a customer. Learn first-hand about what you could experience as a Liberty Mutual homeowners insurance policyholder by checking out the testimonials below.

“Liberty Mutual is cheap.” – Christian K.

“The rates are reasonable in my opinion—although I haven’t done any shopping around in the last few years.” – Nicole M.

Features You’ll Love

  • Liberty Mutual App. You can manage your plan from anywhere.
  • Resources for topics like water damage and fires exist on Liberty Mutual’s site to help educate homeowners.

Is Liberty Mutual The Right Insurance for Your Home?

If you’re shopping for home insurance, Liberty Mutual’s record is lengthy and consistent. They remain one of the industry leaders. Liberty Mutual customers report low prices and friendly agents with efficient claims service and diverse insurance products.
If you’re wondering if you’re getting the best deal with your current policy, you can get quotes with a wide variety of carriers including Liberty Mutual in minutes. To get started, call an agent today or start your quote online.
Liberty Mutual issued its first auto policy over 100 years ago in Massachusetts. Today, it provides auto, home, life, and many more types of insurance to their customers.

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