Best Home Insurance Companies

Liberty Mutual Home Insurance Reviews And Ratings

Updated on
liberty mutual
Liberty Mutual Ratings
Overall Rating
Claims Processing
Customer Service
Value for Price
Website & Apps
Customers who recommend 82%
Who Plan to Renew 91%
AM Best Financial Strength Ratings A

About Liberty Mutual Home Insurance Company

Liberty Mutual was founded in 1912 as the Massachusetts Employees Insurance Association (MEIA). It was formed following the passage of a Massachusetts state law requiring employers to protect their employees with workers’ compensation insurance in 1911 and started out as a worker’s compensation insurer.

Liberty Mutual was established as a mutual company which means that it is an insurance company that is owned by its policyholders. Their first branch office was opened in 1914, and the company quickly moved into other insurance areas, writing its first automotive policy in 1918.

In 1964, Liberty Mutual Insurance Company moved into the life insurance market through its Liberty Life Assurance Branch and in 1973 Liberty Mutual grew outside the U.S. opening operations in the United Kingdom. Liberty Mutual continued to grow over the years through a variety of acquisitions, including the 2008 purchase of Safeco for $6.2 billion.

Liberty Mutual Home Insurance Coverages

  • Dwelling
  • Liability
  • Excess liability
  • Medical payments to others
  • Additional living expenses

Liberty Mutual Home Insurance Discounts

  • Claims-Free
  • Safe Homeowner Program
  • Early Shopper Discount
  • Newly Purchased Home Discount
  • New/Renovated Home Discount
  • New Roof Discount
  • Multi-policy Discount
  • Insured to Value Discount
  • Preferred Payment Discount
  • Paperless Policy Discount

Liberty Mutual Home Insurance Additional Coverage

  • Car
  • Motorcycle
  • Boat & Watercraft
  • Antique & Classic Car
  • ATV & Off-Road Vehicle
  • Recreational Vehicle (RV)
  • Umbrella
  • Life
  • Accident Insurance
  • Critical Illness
  • Identity Theft
  • Pet Insurance
  • Tuition Insurance
  • Small Business
  • Renters
  • Condo
  • Landlord
  • Flood
  • Umbrella

Best home insurance companies 2021: Liberty Mutual

How Liberty Mutual compares

Liberty Mutual earned a Top 5 spot in our annual Best Home Insurance Companies review, with an InsureScore of four out of five stars. Liberty Mutual secured four-star ratings in every category, including claims, customer service, price and website & apps. 

When we asked Liberty Mutual customers how many of them planned to renew their Liberty Mutual policies, 91% said yes. Eighty-two percent of Liberty Mutual customers said they would recommend Liberty Mutual to a friend.

How likely customers would recommend this company?

45% I would definitely recommend this company
37% I would probably recommend this company
15% Neutral
2% I would probably not recommend this company
1% I would not recommend this company

Reasons for Buying

Customers of Liberty Mutual originally decided to purchase from the company for these reasons:
  • 30% Offered best price
  • 22% Reputation
  • 20% Recommended by friend or family member
  • 8% I had other insurance with this company
  • 7% Financial strength rating
  • 7% Saw online ad
  • 4% Saw TV commercial
  • 1% The company website and mobile apps are easy to use and helpful
  • 1% Was the company my parents had

Would you renew?

  • 91% Yes
  • 9% No

Ratings on Website & Apps

  • Completely satisfied / Outstanding website & apps that give me what I need and more 41%
  • Fairly satisfied / Fulfills my needs OK 41%
  • Average website and apps 13%
  • Very unsatisfied / digital offering is severely lacking 0%
  • Unsatisfied / website and/or apps are not fulfilling my needs 2%

How do you prefer to deal with insurer and policy?

  • In person 23%
  • Phone 39%
  • Email 11%
  • Interactive website 18%
  • Mobile App 9%

Customer Complaint Ratio


The complaint data is gathered from the NAIC Complaint Index, which collects complaint information from state insurance regulators and then compares a company’s performance to other companies in the same insurance market. The national average is always calculated to be 1.00; those above 1.00 are worse than the national average and those below are better (have less complaints) than the national average. Read more at the NAIC website.

Note: Many companies have a variety of subsidiaries listed with the NAIC, the one rated here may be different than the one that writes your policy. Check with your company/agent for specific information.

Liberty Mutual’s customer complaint ratio for Homeowners insurance is 0.61

In which states is Liberty Mutual available?

Customer Reviews

Our survey asked policyholders to share experiences or give feedback that they would like to share with others looking to potentially buy from their current insurance company. Here's what they had to say:

Customer Reviews

204 Reviews. 4 Stars out of 5
Thank You! Your review was posted successfully and is awaiting moderation. Write another review

Other Similar Companies

Go To Top