Liberty Mutual home insurance ratings
Overall Rating
AM Best Financial Strength Ratings
May 01, 2021
May 01, 2021HOW WE WEIGH OUR SCORE
- Price35%
- Customer service25%
- Claims20%
- Website and app10%
- Renew/Recommend10%
WHAT IS THIS RATING?
A.M. Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations.
A.M. Best's rating is NOT used to calculate the overall score but it is important information to consider when choosing an insurance company.
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.
Types of Coverage offered by Liberty Mutual home insurance
- Dwelling
- Liability
- Excess liability
- Medical payments to others
- Additional living expenses
Discounts offered by Liberty Mutual home insurance
- 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
Additional coverage offered by Liberty Mutual home insurance
- 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
In which states is Liberty Mutual home insurance available?
| States in which Liberty Mutual home insurance available |
|---|
| 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 |
| West Virginia |
| Wisconsin |
| Wyoming |
| Washington D.C. |
Customer Complaint Ratio
( Liberty Mutual’s customer complaint ratio for Homeowners insurance is 0.61 )
Lower number is better
0 to 1.00
1.01 to 3.00
3.01 and above
More things to consider about Liberty Mutual homeowners insurance
How likely to recommend?
- 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
About Liberty Mutual home Insurance
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.
Go to Liberty Mutual site now to get a quote
Policyholder's feedback on Liberty Mutual home insurance
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:
"It's not a good idea to go with them."
-Age 27, Florida
"Uso e aprovo"
-Age 27, New York
"Switching over to my company will give you a peace of mind. Despite the fee being high the benefits outweigh the cost. The wealth of information available on the different policies. The easy with which you can navigate their website and mobile app."
-Age 28, Florida
"Pretty good services and options."
-Age 29, California
"Let's hit a stain"
-Age 30, Michigan
"Good customer servce, and great efforts to help"
-Age 30, California
"I've had no issues so far with Liberty Mutual, but do your own research and quote comparisons."
-Age 31, Illinois
"Shop around for other companies"
-Age 31, Nevada
"easy, convebient"
-Age 31, Washington
"Good company "
-Age 34, New York
"You get a much higher replacement value with this insurance company than with many others"
-Age 34, Alabama
"The qualities of my insurance company, the excellent price, service responses are all good."
-Age 35, California
"Extremely interesting"
-Age 35, New York
"Liberty Mutual is a decent company."
-Age 35, Arizona
"It's a really good company, use them if you can."
-Age 35, California
"They have exceptional customer service"
-Age 36, California
"It's fine, but if you know of anything better, you should probably pick that instead"
-Age 36, Pennsylvania
"Great insurance company, excellent service, respectable"
-Age 36, Texas
"Their not perfect, but they won't drop you like many others that have in the past. They offer great help and try to do what is right."
-Age 36, Alabama
"Incredible copany."
-Age 37, Florida
"Great services."
-Age 37, Kentucky
"My experience with the company has been very favorable, always attentive to my needs and in the event of an insident they act quickly."
-Age 38, California
"Great deal having the most cool rates on the market."
-Age 38, New Jersey
"They are always try to provide the best offer. They sometimes contact with customer to know if they are facing some problem and try to solve the problem as soon as possible."
-Age 38, New York
"I enjoy my insurance company but wish the cost was less."
-Age 38, Pennsylvania
"They have an excellent customer service"
-Age 38, Pennsylvania
"Affordable coverage"
-Age 38, Vermont
"Easy to switch and bundle with auto plan"
-Age 39, Texas
"They are really good to us."
-Age 40, California
"Got it for a good value and very happy."
-Age 40, California
"I would strongly recommend them becuase my insurance comapny is best at their work"
-Age 40, Florida
"Service is really good and easy to understand ."
-Age 40, New York
"This is a relatively stable service"
-Age 41, California
"Good affordable insurance with good coverage too."
-Age 41, Oregon
"It is very interesting."
-Age 42, Michigan
"They have policy that will suit them and when they make there claims it is very fast."
-Age 42, New York
"Liberty Mutual is a good company."
-Age 42, Pennsylvania
"I think that they have the best offers so far and I would like you to join them"
-Age 44, New York
"Im not sure"
-Age 44, Pennsylvania
"They are very fast getting an adjuster out and make a fair payout and ease of payment"
-Age 47, Michigan
"They are ok, nothing special"
-Age 48, Illinois
"I just pay the bill, no other experience with"
-Age 48, New Jersey
"I've not really had any experiences, therefore no complaints"
-Age 48, Ohio
"Good overall coverage but could improve discount offering for long term customer"
-Age 50, Oklahoma
"That the claims are fine and service is good."
-Age 51, New York
"They had a great price for Renter's when I switched my auto insurance."
-Age 51, Texas
"Affordable coverage."
-Age 52, California
"I'm a satisfied customer an I like there offerings."
-Age 54, North Carolina
"Liberty Mutual offers competitive pricing when bundling with auto insurance"
-Age 55, West Virginia
"Make sure you know what you are getting for your premiums. Don't sign up for automatic payments."
-Age 56, Virginia
"Make sure that you come out on top of the deal. That they get the best deal with these people."
-Age 58, Maryland
"Very good company that has great payment options."
-Age 58, Washington
"They are a great company and are more like family"
-Age 59, Colorado
"Can't say as I don't have any claims experience"
-Age 59, Louisiana
"Great customer service, competitive price,"
-Age 60, California
"Very difficult to file claims and they do not like to pay out for storm damage"
-Age 60, Florida
"Liberty Mutual is a reputable company that offers fair pricing on home insurance. They have great customer service and easy pay options."
-Age 60, New York
"affordable premium favorable customer service good claims process"
-Age 60, Pennsylvania
"Easy to get understandable quotes for varied coverages/deductibles etc"
-Age 61, Florida
"They replaced my roof and I only had to pay the deductible"
-Age 61, Florida
"It is affordable and easy to work with"
-Age 61, New York
"They have excellent customer service agents who are courteous and very helpful. They offer prompt assistance when we contact them for claims."
-Age 63, Michigan
"Just watch out cause later, they will increase"
-Age 66, Oklahoma
"That I really enjoy dealing with Liberty Mutual. They are a very good company"
-Age 67, Utah
"It is an option but I'd shop around to see if they are best for you."
-Age 68, California
"I do not know what to say, they are average."
-Age 68, North Dakota
"Call them - see what they can do for you"
-Age 69, Ohio
"No problems, but not awesome."
-Age 71, Wisconsin
"Fair prices, good customer service, good claims settlements"
-Age 72, New York
"Check the details of coverage. Look for discounts"
-Age 74, California
"Is easy to bundle home and auto and the billing process is easy and works well"
-Age 78, Pennsylvania
"Great claims department"
-Age 81, Missouri
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