Ratings

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Overall Rating info icon info icon
Claims Processing
Customer Service
Value for Price
Website and Apps
% Who Would Recommend to a Friend
82%
% Who Plan to Renew
91%
AM Best Financial Strength Ratings info-icon info-icon November 08, 2020
A
HOW WE WEIGH OUR SCORE
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.

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
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Customer Complaint Ratio

info icon
Homeowners
0.61
0 1 3 10+
Lower number is better
0 to 1.00
1.01 to 3.00
3.01 and above

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 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

Would you renew?

91% Yes
9% No

Ratings on Website & Apps

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

How do you prefer to deal with insurer and policy?

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

Types Of Coverages Offered

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

Discounts Offered

    • 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 coverages offered

  • 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?

AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY

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.

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