THE GOOD

Multiple home insurance discounts:

With one of the best selections of homeowner discounts in the industry, Liberty Mutual is an attractive option for bargain hunters. You can get an immediate price break if your home has been recently renovated or if it's less than 13 years old. If you've just closed on a home older than 13 years, you're still in line for savings as long as you purchase a new policy within 60 days, a great deal for any new homeowner. You can earn further savings if you purchase an additional Liberty Mutual home insurance policy or install protective devices in your home, such as sprinklers or smoke, fire, or burglar alarms. If you maintain your policy for a term of three years without making any claims, you'll be rewarded with an additional discount. Liberty Mutual also offers partner discounts to members and employees of more than 15,000 different organizations and companies around the country.

Receive a quote online:

The most successful online quote tools are easy to follow, detailed, and descriptive so you can provide the most up-to-date information that produces the most accurate quote. Liberty Mutual offers a very good quote tool that guides you through every step of the process. At each step, simple descriptions and illustrations enable you to clearly understand what you're being asked to identify, whether it be the type of siding installed or the material of your roof. If you run into trouble, you can use the live chat functionality with a Liberty Mutual home insurance representative right in your browser window, which is a great feature not available from all providers. Though some quotes may require a telephone call to complete, in most cases you'll be able to arrive at a final price that includes all applicable discounts.

24-hour emergency repair:

While lots of home insurance companies offer 24-hour telephone access to claims representatives, Liberty Mutual goes above and beyond by providing 24-hour emergency repair service. If your home has sustained covered damage and you need immediate help to prevent further destruction, Liberty Mutual dispatches a professional to assist you at any given time. Furthermore, Liberty Mutual's Contractor Network Referral Program facilitates the process of choosing a repair vendor by providing you information on reliable service providers, and they even guarantee the workmanship performed by that contractor for one year.

Useful and capable mobile app:

The Liberty Mutual Mobile app provides full access to the Liberty Mutual policy management system, enabling you to access policy information, view and pay your bill, and instantly contact a claims representative. You can also initiate a new claim and collect pictures and voice notes to document any damage. The app can be improved by offering a guide to help you understand the claims process more comprehensively, but they do provide that resource on their website. Overall, the Liberty Mutual Mobile app is quite capable, especially considering that many home insurance companies do not provide any kind of mobile app at all.

Diverse support options:

Liberty Mutual home insurance offers a variety of options to get in touch with customer support services. You can speak to a claims representative around the clock, and a general sales and service representatives during daytime hours every day of the week. If you have a question but don't need an immediate answer, an email option is also available.

THE BAD

Missing some home insurance coverage options:

Liberty Mutual does not offer coverage for older homes that require an HO8 policy. About half of the major home insurance companies offer HO8 policies, and since many people need this type of insurance, it would certainly be nice if they made it available. The other notable omission in Liberty Mutual's policy lineup is coverage for commercial farms and ranches. However, farm and ranch properties that aren't under commercial operation are eligible for Liberty Mutual coverage.

Mixed financial strength ratings:

Although Liberty Mutual is a financially stable company with fairly positive ratings from top ratings agencies, their scores aren't consistent across the board. If you're a cautious consumer who considers long-term financial stability, Liberty Mutual's ratings may not offer you complete peace of mind, especially when it comes to protecting a personal asset as important as a home. There is no clear indication that Liberty Mutual is headed for financial trouble, but their mixed financial ratings may factor into your final decision.

THE DETAILS

Details
AM Best FSR A
AM Best ICR a
Financial Size Category $2 billion or greater
FSR Outlook/Implication Stable
ICR Outlook/Implication Stable
Moodys Financial Strength A2
Standard and Poors FSR A-

FEATURES

Title
  • Condominium Insurance (HO6) The insurance provider offers HO6 coverage for condos.

  • Mobile Home You can buy insurance to protect your mobile home.

  • Rental Property Insurance You can buy insurance to protect your rental property.

  • Renters (HO4) The insurance provider offers renters insurance.

  • Special Form (HO3) The insurance provider offers HO3, open perils coverage.

  • Farm/Ranch You can buy insurance to protect your farm or ranch.

  • Older Homes (HO8) The insurance provider offers HO8 coverage for older homes.

  • Premier Policy (HO5) The insurance providers offers HO5 coverage that includes open perils coverage on personal property.

  • Age of Construction Discount Discounts based on the age of your home are available.

  • Claim-Free Discount You can receive a discount for remaining claim-free for a certain period of time.

  • Multiple-Policy Discount You can receive a discount for having multiple insurance policies with the same company.

  • Newly Purchased Home You can receive a discount if you recently purchased your home.

  • New/Renovated Home You can receive a discount if your home is new or recently renovated.

  • Protective Device Discount You can receive a discount if you have smoke detectors, fire alarms, burglar alarms, or other protective devices.

  • Age of Insured Discount Discounts based on the homeowner's age are available.

  • Aircraft Damage to your home caused by an aircraft is covered.

  • Explosion Damage to your home caused by an explosion is covered.

  • Fire Damage to your home caused by fire is covered.

  • Ice/Snow/Sleet Damage to your home caused by ice, snow, or sleet is covered.

  • Lightning Damage to your home caused by lightning is covered.

  • Plumbing Damage to your home caused by a frozen, burst, or damaged water pipe is covered.

  • Riot/Civil Commotion Damage to your home caused by a riot or civil commotion is covered.

  • Smoke Damage to your home caused by smoke is covered.

  • Theft The home insurance company covers any loss or damage to your home due to theft is covered.

  • Tornado Damage to your home caused by a tornado is covered.

  • Vandalism Damage to your home caused by vandalism is covered.

  • Water Damage to your home caused by water is covered.

  • Wildfire Damage to your home caused by a wildfire is covered.

  • Wind Damage to your home caused by wind is covered.

  • Dwelling Coverage for the cost of rebuilding/repairing your home if it is damaged by a covered peril is available.

  • Loss of Use If your home is damaged or destroyed, the insurance company will cover living expenses while repairs are made.

  • Medical Payments Coverage for medical payments is available.

  • Nationwide Availability The insurance company is available in at least 48 states.

  • Other Structures Coverage for detached garages, sheds, or other structures on your property is available.

  • Personal Liability Coverage for lawsuits associated with bodily injury or property damage that you may be responsible for is available.

  • Personal Property The insurance company covers the cost of replacing your possessions if they are destroyed by a covered peril.

  • Computer Coverage You can add computer coverage to your insurance as an additional policy or as an endorsement.

  • Earthquake Insurance You can add earthquake coverage to your insurance as an additional policy or as an endorsement.

  • Flood Insurance You can add flood coverage to your insurance as an additional policy or as an endorsement.

  • Identity Fraud Expenses You can add identity fraud expense coverage to your insurance as an additional policy or as an endorsement.

  • Personal Umbrella Policy You can add personal umbrella coverage to your insurance as an additional policy or as an endorsement.

  • Scheduled Personal Property You can add scheduled personal property coverage to your insurance as an additional policy or as an endorsement.

  • Water Backup and Sump Overflow You can add water backup or sump overflow coverage to your insurance as an additional policy or as an endorsement.

  • Landslide Insurance You can add landslide coverage to your insurance as an additional policy or as an endorsement.

  • 24/7 Claims Center You can contact a claims center 24/7.

  • Agent Claim Filing You can contact an agent to file a claim.

  • Deductibles Flexible deductibles are available.

  • Mobile Claim Filing You can file a claim through a mobile app.

  • Online Claim Filing You can file a claim online.

  • Online Photo Inventory You can upload images of your personal property to an online location to document your property and help facilitate the claims process.

  • Photo Upload You can upload photos of damaged property to assist with the claims process.

  • Telephone Claim Filing You can file a claim via telephone.

  • Locate an Agent A tool is available online to help you locate an agent.

  • Manage Your Policy You can manage your insurance policy online.

  • Online Policy Purchase You can purchase a policy entirely online.

  • Online Rate Quotes You can get a quote on the company's website.

  • Automatic Payments Payments can be scheduled automatically.

  • Credit Card Payments You can make a payment with your credit card.

  • Flexible Payment Options Flexible payment terms over different periods of time are offered.

  • Mail Payments Payments can be mailed.

  • Online Payments Payments can be made online.

  • Pay by Bank Account You can make a payment directly from your bank account.

  • Phone Payments Payments can be made over the phone.

  • Prepayment Policies can be prepaid in full, often at a discount.

  • Email/Ticket An email or ticket system dedicated to support is available.

  • Live Chat You can contact the company through live chat.

  • Phone You can contact the company by phone to get support.

  • Social Media You can contact the home insurance company with questions through social media websites.

  • A.M. Best Excellent or Better The company has an A.M. Best rating of "A" or better.

  • ICR Rating Stable The company has an A.M. Best Credit Rating rating of "Stable" or better.

  • Moody Rated Very Strong The company has a Moody's rating of "Aa3" or better.

  • S&P Rated Very Strong The company has an S&P FSR rating of "AA-" or better.

  • Blog The company provides a blog with relevant insurance information.

  • FAQs The company provides a list of answers to frequently asked questions.

  • Glossary The company provides a glossary of common industry terms.

  • Video Tutorials The company provides video tutorials.

  • Forum The company provides an interactive forum where users can post questions and answers.

  • Knowledge Base The company provides a knowledge base of detailed help articles.

  • Android An Android app that allows you to access your home insurance policy is available.

  • Claim Details You can update your home insurance claim details through a mobile app.

  • Connect with an Agent You can connect directly with an agent through a mobile app.

  • Edit Policy You can edit or change your policy details with a mobile app.

  • Favorable Mobile App Store Reviews The company has a combined 3.5 stars or greater for their iPhone and Android apps.

  • File a Claim You can initiate or file a new claim through a mobile app.

  • iPhone An iPhone app that allows you to access your home insurance policy is available.

  • Mobile Website A mobile-specific website is available.

  • Pay Premium You can pay your premium through your mobile app.

  • Tablet A tablet-based app is available.

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