- Our thoughts on Liberty Mutual
- Where can you buy Liberty Mutual homeowners insurance?
- What does Liberty Mutual homeowners insurance cover?
- How much is Liberty Mutual home insurance?
- How much is Liberty Mutual home insurance?
- Liberty Mutual home insurance discounts
- Liberty Mutual vs. competitors: How does Liberty Mutual stack up?
- What do people ask about Liberty Mutual?
- Is Liberty Mutual a good homeowners insurance company?
- Methodology
Our thoughts on Liberty Mutual
Liberty Mutual is one of the largest home insurance companies in the U.S., with a strong financial rating. Liberty Mutual ranked above average on J.D. Power’s 2025 Property Claims Satisfaction survey, but below average in the overall Home Insurance Study.
Because Liberty Mutual doesn’t provide average home insurance rates to our data service, Quadrant, we can’t compare it to other companies in terms of cost or rank it on our best home insurance companies list. Liberty Mutual insurance rates, like all companies, will vary from place to place, so you’ll need to get quotes for your home to compare with other companies.
Liberty Mutual is part of our annual survey, however, and earned the top score for ease of service in 2026.
“Compare rates across insurers for similar coverages. Investigate available discounts, such as for bundling or security systems,” says Siwei Gao, professor of insurance studies at Eastern Kentucky University.
Pros:
- Top scorer for ease of service in our survey
- Can purchase policies directly or with either an independent or contracted agent
- High score with AM Best for financial stability
Cons:
- Doesn’t provide average rates, so you’ll need to get a quote
Where can you buy Liberty Mutual homeowners insurance?
Liberty Mutual home insurance is available in all 50 states and in D.C. Unlike other major home insurance companies, Liberty Mutual has not stopped the sale of home insurance policies in California or in Florida.
| State |
|---|
| Alabama |
| Alaska |
| Arizona |
| Arkansas |
| California |
| Colorado |
| Connecticut |
| Delaware |
| Florida |
| Georgia |
| Hawaii |
| Idaho |
| Illinois |
| Indiana |
| Iowa |
| Kansas |
| Kentucky |
| Louisiana |
| Maine |
| Maryland |
| Massachusetts |
| Michigan |
| Minnesota |
| Mississippi |
| Missouri |
| Montana |
| Nebraska |
| Nevada |
| New Hampshire |
| New Jersey |
| New Mexico |
| New York |
| North Carolina |
| North Dakota |
| Ohio |
| Oklahoma |
| Oregon |
| Pennsylvania |
| Rhode Island |
| South Carolina |
| South Dakota |
| Tennessee |
| Texas |
| Utah |
| Vermont |
| Virginia |
| Washington |
| Washington, D.C. |
| West Virginia |
| Wisconsin |
| Wyoming |
*Some state rates will vary based on the addition of a hurricane deductible and may be much higher when included.
What does Liberty Mutual homeowners insurance cover?
Liberty Mutual home insurance coverage on a standard homeowners insurance policy covers all of the basics:
- Your house (dwelling coverage)
- Any detached structures on your property (other structures)
- All of the contents of your house (personal property)
- Extra bills incurred when you can’t live at home due to a covered loss (loss of use/additional living expenses)
- Damages or injuries to others caused by you or occurring on your property (personal liability and medical payments)
Liberty Mutual also includes inflation protection with every policy, which increases your dwelling coverage to keep up with inflation and avoid being underinsured.
There are some additional coverages available on a Liberty Mutual homeowners policy that can expand and add onto the basic coverage.
- Water backup, which covers water damage caused by water or sewage that backs up into your home
- Personal property replacement cost
- Scheduled personal property endorsement for high-value items
Liberty Mutual home insurance exclusions are the standard ones, including:
- No coverage for floods and earthquakes
- Coverage limits on certain types of personal property, like jewelry, fine art, musical instruments and sports equipment.
- No coverage for excluded perils like war and terrorism, nuclear hazards, animal and pest damage and water and sewer backup (unless endorsed)
How much is Liberty Mutual home insurance?
Unfortunately, Liberty Mutual does not provide rate data to our data service, Quadrant. As a result, we don’t have any rate information available. Request a Liberty Mutual home insurance quote to compare rates.
Liberty Mutual also includes inflation protection with every policy, which increases your dwelling coverage to keep up with inflation and avoid being underinsured.
There are some additional coverages available on a Liberty Mutual homeowners policy that can expand and add onto the basic coverage.
- Water backup, which covers water damage caused by water or sewage that backs up into your home
- Personal property replacement cost
- Scheduled personal property endorsement for high-value items
Liberty Mutual home insurance exclusions are the standard ones, including:
- No coverage for floods and earthquakes
- Coverage limits on certain types of personal property, like jewelry, fine art, musical instruments and sports equipment.
- No coverage for excluded perils like war and terrorism, nuclear hazards, animal and pest damage and water and sewer backup (unless endorsed)
How much is Liberty Mutual home insurance?
Unfortunately, Liberty Mutual does not provide rate data to our data service, Quadrant. As a result, we don’t have any rate information available. Request a Liberty Mutual home insurance quote to compare rates.
Liberty Mutual home insurance discounts
Since Liberty Mutual doesn’t provide rate data, we also don’t have any information on discount percentages or how they affect rates.
However, the following Liberty Mutual home insurance discounts are listed on the company’s website:
- Claims-free
- Safe homeowner program
- Early shopper
- Newly purchased home
- New/renovated home
- New roof
- Wind mitigation credit
- Insured to value discount
- Preferred payment discount
- Paperless policy discount
In addition, Liberty Mutual offers an auto and home discount, or multi-policy discount, when you purchase both auto and home insurance.
Liberty Mutual vs. competitors: How does Liberty Mutual stack up?
While we don’t have Liberty Mutual home insurance rates to compare to competitors, we can see how it fared in our 2026 best home insurance companies survey. Liberty Mutual earned top marks for ease of service in our annual survey.
| Company | Customer satisfaction | Ease of service | Policy offerings |
|---|---|---|---|
| Liberty Mutual | 87% | 93% | 88% |
| Allstate | 81% | 89% | 88% |
| Amica | 78% | 78% | 79% |
| Farmers | 84% | 84% | 83% |
| Nationwide | 85% | 85% | 85% |
| Progressive | 76% | 79% | 77% |
| State Farm | 85% | 92% | 86% |
| Travelers | 84% | 91% | 89% |
| USAA | 91% | 93% | 88% |
What do people ask about Liberty Mutual?
Insurance shoppers and current customers alike have questions about Liberty Mutual home insurance. We’ve provided answers to some of them here.
Did Liberty Mutual increase rates?
Yes. Home insurance rates are going up everywhere due to increased claim costs and inflation. Liberty Mutual has had a cumulative rate increase of 37.1% since 2023, per S&P Global. That’s significant, but it’s not the highest among major insurance companies.
How do I cancel Liberty Mutual home insurance?
To cancel your Liberty Mutual homeowners policy, contact your insurance agency or contact Liberty Mutual directly.
Does Liberty Mutual have online chat?
Liberty Mutual doesn’t have an online chat service, but does offer a 24/7 toll-free claims line and support through the mobile app.
Is Liberty Mutual a good homeowners insurance company?
Liberty Mutual has both above- and below-average ratings from third-party sources, indicating some mixed customer opinions. However, it’s a large and financially stable insurance company with a long history.
Do people trust Liberty Mutual?
Our survey found tha utmost customers trust Liberty Mutual, with 87% of customers in our survey saying the carrier is trustworthy.
| Company | Percentage of customers who say they trust the company |
|---|---|
| Liberty Mutual | 87% |
| Travelers | 90% |
| American Family | 87% |
Do people recommend Liberty Mutual?
A solid 85% of Liberty Mutual customers surveyed said they would recommend the company to others.
| Company | Percentage of customers who would recommend the company to others |
|---|---|
| Liberty Mutual | 85% |
| Nationwide | 85% |
| Travelers | 83% |
Do people plan to renew with Liberty Mutual?
In our survey, 92% of Liberty Mutual customers said they plan to renew their policy. Auto Club Enterprises (AAA SoCal) topped this category with a solid 100%.
| Company | Percentage of customers who plan to renew |
|---|---|
| Liberty Mutual | 92% |
| Travelers | 92% |
| Progressive | 87% |
Is Liberty Mutual good at paying claims?
Liberty Mutual earned an above-average score of 707 out of 1,000 on J.D. Power’s 2025 Property Claims Satisfaction survey. The industry average was 682. That indicates that Liberty Mutual’s home insurance claims service is above average. In our survey, 79% of customers said they were satisfied with the claims handling process, above many competitors.
| Company | Survey satisfaction | J.D. Power score |
|---|---|---|
| Liberty Mutual | 79% | 707 |
| Amica | 83% | 745 |
| State Farm | 79% | 661 |
Methodology
Insurance.com surveyed more than 2,000 insurance customers in the fall of 2025. The survey was conducted by online market research company Dynata.
Respondents were asked to name their home insurer and then grade it in the following categories:
- Customer satisfaction
- Ease of service
- Policy offerings
- Claims satisfaction
- Digital experience (website/app)
- Insurance shopping and buying process
- Billing process
- Discounts offered
- Fair rate increases over time
- Older home coverage
- Extra coverage included as standard
- Home and auto bundling
The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.
We then asked respondents to provide a yes or no response to indicate their agreement with the following statements:
- I plan to renew with my current home insurance company
- I would recommend my home insurance company to others
- I trust my home insurance company
The percentage of respondents who said yes is presented in the results.
The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation.
They then collected AM Best data, which measure financial strength, and National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives. The Insure.com team identified the NAIC codes of each underwriting company for each carrier and calculated a weighted average complaint index, weighted by the annual written premium. The associated NAIC complaint index score was used in the calculations.
They also collected insurance rate data from Quadrant Information Services.
With the help of Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector. For home insurers, we took the following and gave each a weight.
- Survey: 40% of the total score (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
- AM Best: 25% of total score
- Annual premium: 20% of total score
- NAIC: 15% of total score
Each insurer was awarded between half a star and 5 stars. No company in the ranking received less than half a star in any category, and 5 stars was the most any insurer could receive.
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