- 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?
- 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?
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 performed well in all aspects of our home insurance survey and outpaced some competitors. It was the top-rated company for digital experience, and 90% of customers said they plan to renew.
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 doesn't provide rates to our data partner, but is highly rated by current customers in almost all categories.
Pros
- Available nationwide
- A large, stable company with a solid financial standing
- Top-ranked for digital service in our survey
Cons
- Below-average customer satisfaction ratings with J.D. Power
- Liberty Mutual doesn’t publish rates, making it difficult to compare
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 | Average annual premium |
|---|---|
| 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 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 2025 best home insurance companies survey. Liberty Mutual scored well in all major categories.
| Company | Customer satisfaction | Ease of service | Policy offerings |
|---|---|---|---|
| Liberty Mutual | 95% | 93% | 95% |
| Allstate | 84% | 88% | 82% |
| State Farm | 90% | 89% | 84% |
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.
Does Liberty Mutual own Safeco?
Safeco was acquired by Liberty Mutual in 2008 and sells personal and business lines of insurance, including home and auto, in 48 states. On March 4, 2025, Liberty Mutual announced that it would be retiring its Safeco brand beginning in 2026. Policies purchased through Safeco will not be impacted, and policyholders will keep their agents.
The retiring of the Safeco brand is part of Liberty Mutual's strategy to focus on its main brand. In a press release, Tyler Asher, Liberty Mutual's chief distribution and marketing officer, U.S. Retail Markets, said, "...this will significantly simplify our business, allow us to dedicate our considerable marketing power behind a single brand, and enable us to leverage and scale our technology to deliver unified but differentiated products and experiences across channels.”
According to a Liberty Mutual spokesperson while the timeline isn't fully known, the company aims for a seamless transition for policyholders and agents.
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% from 2023 to 2024, 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 scored well in almost every category of our survey.
Do people trust Liberty Mutual?
Our survey found that 88% of Liberty Mutual customers say they trust the company. At 96%, Liberty Mutual subsidiary Safeco earned the top score in this category at 96%.
Do people recommend Liberty Mutual?
In the survey, 81% of customers surveyed said they would recommend Liberty Mutual to others. That’s a pretty good number, although several companies performed better. Only Erie and USAA broke the 90% mark here.
Do people plan to renew with Liberty Mutual?
Liberty Mutual customers largely plan to renew with the company, with 90% of those surveyed saying they plan to renew. Once again, subsidiary company Safeco won the category with 100% of people saying they plan to renew.
Is Liberty Mutual good at paying claims?
In our survey, 90% of Liberty Mutual customers said they were satisfied with the claims service they received. Liberty Mutual earned an exactly average score of 869 out of 1,000 on J.D. Power’s 2023 Property Claims Satisfaction survey. That indicates that Liberty Mutual's home insurance claims service is on par with the industry.
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