Liberty Mutual homeowners insurance review 2025

Our thoughts on Liberty Mutual

Liberty Mutual is one of the largest home insurance companies in the U.S., with a strong financial rating. However, its National Association of Insurance Commissioners (NAIC) complaint ratio is 2.86, above the baseline of 1.00. 

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,

“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.

Overall: Liberty Mutual homeowners insurance ratings are mixed, with a higher-than-expected number of complaints but solid ratings for claims service.

Pros

• Available nationwide
• A large, stable company with a solid financial standing
• Scored well for claims service with J.D. Power

Cons

• Below-average customer satisfaction ratings with J.D. Power
• Liberty Mutual doesn’t publish rates, making it difficult to compare
• Higher-than-average complaint ratio with the NAIC

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.

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 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 2024 best home insurance companies survey. Liberty Mutual didn’t rate particularly highly in any of the categories below but did outscore some competitors, in some categories.

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?

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.

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.

Helpful home insurance tools and calculators

• Home insurance calculator
• Condo insurance calculator
• Renters insurance calculator
• When to file a home insurance claim