Jennifer GimbelJennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.
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Liberty Mutual home insurance comes with rates 15% below the national average and single-deductible claims if you bundle your home and auto insurance policies.
Liberty Mutual
Policygenius rating
Our proprietary ratings methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the “Ratings methodology” section for more details.
3.9
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
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The bottom line
Liberty Mutual home insurance could be a good pick for homeowners looking to bundle their home and auto insurance policies with one insurance carrier. That’s because Liberty Mutual offers both a multi-policy discount and single-deductible claims — meaning you only have to pay one deductible if your home and car are damaged in the same covered event. It's affordable, too: Safe home insurance rates are 15% below the national average.
However, Liberty Mutual doesn’t offer water backup coverage or flood insurance — two valuable policy add-ons that many other home insurance companies offer. It also doesn’t score well in J.D. Power’s 2025 overall customer satisfaction study.
Extended replacement cost coverage for your home available
Only pay one deductible if your home and car are damaged in the same event when you bundle policies with Liberty Mutual
Cons
Not available in Alaska, Delaware, Florida, or Hawaii
Doesn’t offer water backup coverage or flood insurance
Below-average score in J.D. Power’s overall customer satisfaction study
Basic coverages offered
Liberty Mutual home insurance policies include these six standard coverages to protect your home, belongings, and personal liability:
Dwelling coverage: Pays to repair or rebuild the structure of your home after a covered loss.
Other structures coverage: Pays to repair or rebuild other structures on your property not connected to your home, including detached garages, storage sheds, and fencing.
Personal property coverage: Pays to repair or replace your personal belongings after a covered loss, including furniture, clothing, tech gadgets, and other stuff you own.
Loss of use coverage: Pays for hotel stays, restaurant bills, pet boarding fees, and other temporary living expenses after a covered loss if you need to live elsewhere while your home is being rebuilt.
Personal liability coverage: Pays for legal and medical expenses if someone is injured or their belongings are damaged while at your home and you’re found legally responsible.
Medical payments coverage: Pays for small-dollar medical bills if someone is injured while at your home — regardless of who is at fault.
Additional coverages offered
The following coverages are either included or can be added to your Liberty Mutual homeowners insurance policy for an additional cost:
Extended replacement cost for your home: Extends your dwelling coverage limit in the event rebuild costs exceed your policy limit after a covered loss.
Replacement cost for personal property: Pays to replace your personal belongings with new items, regardless of depreciation or wear and tear.
Equipment breakdown: Pays for home equipment repairs to your refrigerator, washing machine, and other appliances due to mechanical or electrical breakdown.
Home warranty: Through its partnership with American Home Shield, Liberty Mutual offers a home warranty that pays to repair or replace appliances, electrical systems, plumbing systems, and more.
Identity recovery: If your identity is stolen, Liberty Mutual will help cover the cost of legal fees, lost wages, and other expenses you incur during the recovery process for just $1 a month.
Personal umbrella insurance: Provides additional liability protection for expensive medical or legal bills you’re found legally responsible for.
Condo insurance: Purchased as a supplement to your condo association’s master policy, condo insurance covers your personal belongings, the interior structure of your condo unit, and personal liability.
Renters insurance: Includes coverage for the personal belongings in your rental home or apartment against fire, vandalism, theft, windstorms, and water damage, as well as personal liability and loss of use coverage.
Other Liberty Mutual home insurance perks include:
Single-loss deductible: If you have home and auto insurance policies with Liberty Mutual and both your home and car are damaged in the same event, you only have to pay one deductible.
Ratings methodology
Price
4.4/5
Liberty Mutual earns a respectable score on our price rating scale thanks to its average annual home insurance rate that’s 15% cheaper than the national average. It also offers six discount opportunities to save even more on your premiums.
Customer experience
2.1/5
Liberty Mutual scores below average on our customer experience rating scale. It has one of the lowest spots in J.D. Power’s 2025 overall customer satisfaction study. And it received far more complaints in 2024 compared to similar-sized insurance companies, according to the National Association of Insurance Commissioners (NAIC) Complaint Index Report.
Coverage options
4.4/5
Liberty Mutual scores above average on our coverage options rating scale thanks to the slew of coverages you can add on to your policy, including extended replacement cost coverage for your home, replacement value coverage for your personal belongings, and equipment breakdown protection. It also offers two perks: single-deductible claims if you hold an auto and home insurance policy with Liberty Mutual and a guaranteed repair network with materials and labor backed by a Liberty Mutual warranty.
Financial strength
3.4/5
Liberty Mutual scores middle of the pack on our financial strength rating scale. While it earns an excellent A rating with AM Best — the nation’s leading insurance rating agency — it earns a low A- rating with Standard & Poor’s and mediocre A2 rating with Moody’s. These scores judge a company’s financial stability and ability to pay out claims in the wake of a natural disaster.
How much does Liberty Mutual home insurance cost?
The average cost of home insurance with Liberty Mutual is $1,633 per year for $300,000 in dwelling coverage, according to Policygenius rate data. That’s around 15% lower than the national average. Keep in mind that your actual rates will vary based on location, policy limits, coverages, claims history, and other factors.
Compare home insurance quotes from Liberty Mutual and other top insurers
What home insurance discounts does Liberty Mutual offer?
You can save on the cost of Liberty Mutual home insurance if you qualify for any of these discounts:
Umbrella multi-policy: If you bundle your home and umbrella insurance policies with Liberty Mutual.
Security system: If your home has a security system.
Fire sprinkler system: If your home is fitted with a fire sprinkler system.
New home: If your home is under a certain number of years old.
Advanced quote: If you receive a Liberty Mutual home insurance quote a certain number of days before your policy’s start date.
Liberty Mutual home insurance state availability
Liberty Mutual offers home insurance policies in 47 states and Washington, D.C. — it does not write policies in Alaska, Delaware, Florida, or Hawaii.
What to expect with Liberty Mutual home insurance
How to get a quote: You can get a Liberty Mutual home insurance quote online through Policygenius or by contacting a local Liberty Mutual agent.
Customer service options: You can get in touch with a Liberty Mutual customer service rep by logging in to your Liberty Mutual online account.
How to file a claim: You can file a Liberty Mutual home insurance claim by logging in to your Liberty Mutual account online or through the Liberty Mutual app.
How to cancel your policy: You can cancel your Liberty Mutual home insurance policy by calling your local Liberty Mutual insurance agent directly — their contact info should be on your Liberty Mutual policy declarations page.
Frequently asked questions
Is Liberty Mutual a good insurance company?
Liberty Mutual is a good insurance company if you’re looking for affordable rates and an above-average AM Best rating. It’s also a good option if you’re looking to bundle your auto and home insurance with the same company and pay only one deductible if your car and home are damaged in the same event.
What is the Liberty Mutual home insurance phone number?
The Liberty Mutual home insurance phone number is 800-332-3226.
Jennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.
Ian Bloom, CFP®, RLP®, is a certified financial planner and a member of the Financial Review Council at Policygenius. Previously, he was a financial advisor at MetLife and MassMutual.
