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Liberty Mutual Home Insurance Ratings

Customer Satisfaction Ratings (based on 163 survey results)
Claims ProcessingCustomer ServiceValue for PriceWebsite and Apps% Who Would Recommend to a Friend% Who Plan to RenewA.M. Best
Effective as of:

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.

out of 100
May 29, 2019
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Reasons for Buying from Liberty Mutual

Customers of Liberty Mutual originally decided to purchase from the company for these reasons:
Offered best price21%
Recommended by friend or family member15%
Financial Strength rating14%
Saw online ad10%
Saw TV commercial10%
Was the company my parents had5%
I had other insurance with this company2%
The company website and mobile apps are easy to use and helpful2%

How likely are you to recommend this company to a friend, coworker or family member

I would definitely recommend this company. 52%
I probably would recommend this company. 35%
Neutral 9%
I probably would not recommend this company. 4%
I would not recommend this company. 1%

Would you renew?

Yes 89%
No 11%

Website and Apps

How easy to use and how helpful they are
42%Excellent - Gives me what I need and more
41%Good - Fulfills my needs
9%Just okay - Fulfills some but not all of my needs
6%Never visited/used website or mobile app
2%Unsatisfactory - Doesn?t fulfill my needs, website/app is severely lacking

How You Prefer to Deal with Insurers

37%In person
4%Smartphone app
25%Interactive website
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About Liberty Mutual

Types of homeowner coverage

  • Homeowners
  • Renters
  • Condo
  • Landlord
  • Mobile Home Insurance
  • Flood
  • Umbrella

Additional policies offered

  • Auto insurance
  • Antique and Classic Car
  • ATV and Off-Road Vehicle
  • Motorcycle
  • Life insurance
  • Identity theft

Best Home Insurance Companies: How Liberty Mutual Stacks Up

Liberty Mutual obtained seventh place in the consumer survey, earning it four stars and a score of 86.16. Liberty Mutual’s highest ranking was fifth for customer service with an impressive score of 88. A majority of those surveyed, 89%, said they plan to renew with Liberty Mutual for their home insurance policy.

Gauging an insurance company

Before buying with a company it is wise to check on a company's financial strength and complaint record. The A.M. Best rating listed above gives you an idea of Allstate's financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median. For home insurance, Liberty Mutual (NAIC# 23025) had a complaint ratio of 0.58 for 2018. 2019 complaint numbers will be available in 2020.

Company Background

Owned by policyholders

In 1911, Massachusetts passed a law decreeing that employers needed to protect employees with workers compensation insurance. One year later, the Massachusetts Employees' Insurance Association (MEIA) came about. It was a mutual company, and so MEIA was owned by its policyholders and not stockholders. That's still the case today.

Three years after forming as the MEIA, and right about the time they expanded into offering automobile coverage, the company changed its name to Liberty Mutual Insurance.

Today, the Fortune 100 company is the third-largest home insurance provider in the U.S.and employs over 50,000 people in more than 900 locations.

Consider Liberty Mutual if you find insurance confusing

Liberty Mutual Insurance offers "Coverage Compass," an easy-to-decipher software program that allows you see exactly what type of insurance you have and where you may be vulnerable and thus want to get more coverage. The company isn't simply out to sell customers more insurance, though that's surely a goal; Liberty Mutual Insurance prides itself on having informed customers who know exactly what to expect from their coverage.

Contact information

Corporate Headquarters

Liberty Mutual Insurance Company
175 Berkeley Street
Boston, MA 02116

Customer Service: (888)398-8924

Claims: (800)-225-2467

Types of special coverage

Inflation protection. Automatically adjusts your coverage limits at renewal time depending on inflation.


Multi-policy. Discount for more than one type of policy with the same insurance provider.

Claims-free. Discount if you don't file any claims in a certain amount of time.

Protective devices. Discount if you have anti-theft and burglary protections.

Newly purchased home. Discount if you recently bought a house.

Early shopper. Discount if you request a quote before the previous policy ends.

Insured to value. Discount when you insure up to 100 percent of the cost to replace your home.

New/renovated home. Discount if you bought a new home or renovated your current home.


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