Liberty Mutual home insurance ratings

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Overall Rating info icon info icon
4.0 ratings
Claims Processing
4.0 ratings
Customer Service
4.0 ratings
Value for Price
4.0 ratings
Website and Apps
4.0 ratings
% Who Would Recommend to a Friend
82%
% Who Plan to Renew
91%
AM Best Financial Strength Ratings info-icon info-icon July 01, 2021
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.

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 Liberty Mutual is available?

States in which Liberty Mutual is 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.

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

Customer Complaint Ratio

info icon
( Liberty Mutual’s customer complaint ratio for Homeowners insurance is 0.61 )
0.61
0 1 3 10+
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

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%

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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