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Liberty Mutual homeowners insurance

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Liberty Mutual home insurance
Available states
All 50 states
24/7 claims
Online quotes


Liberty Mutual homeowners insurance review

Liberty Mutual is a reputable issuer of home, life and auto insurance policies. It is A+ rated and accredited with the BBB. The company is well-known in the industry, has more than 800 offices across the world, and employs over 50,000 people. Liberty Mutual has been in operation since 1912, and is headquartered in Boston, Massachusetts.


  • Everywhere coverage
  • Convenient quote
  • Multi-policy discount


  • Average customer satisfaction

In this guide

  • Review
  • Details
    • Discounts
    • Coverage
  • Your reviews
  • Ask a question



New home discount discount Yes
New homeowner discount Yes
Home safety features discount Yes
New policy discount Yes
Bundling discount Yes
No claims discount Yes
Other discounts Yes


Personal property coverage Yes
Valuable personal property Yes
Theft coverage Yes
Fire coverage Yes
Flood coverage Yes
Identity theft coverage Optional
Homesharing Yes
Dwelling coverage Yes

If you are looking for way to protect your family headquarters, Liberty Mutual offers a homeowners insurance policy that can help. The home insurance policy can help you cover your most valuable investments and personal possessions.

Liberty Mutual home insurance provides liability coverage against fires, theft, storm damage, frozen pipes, etc. Policies can be purchased online, by phone or with a local agent. Homeowners insurances offers a variety of additional coverage benefits, and you can completely manage your policy online.

Benefits of Liberty Mutual homeowners insurance

  • Everywhere coverage. Liberty Mutual can cover you no matter where you live. The company can guide you to a homeowners policy that works best for your unique situation.
  • Convenient quote. You can easily and quickly get your quote right from Liberty Mutual’s website. All you need to do is choose the coverage you’d like, and input your insurance information, property information and additional details.
  • Multi-policy discount. You can save money by bundling multiple Liberty Mutual insurance policies together.


  • Physical structures coverage. If your house, or additional structure (like a garage or shed) is damaged, Liberty Mutual will arrange for each to be replaced or repaired.
  • Personal possessions protected. Personal possessions like furniture, clothing and appliances can be replaced or repaired if damaged.
  • Protection from liability. If someone has their property damaged while on your premises, or if they are accidentally injured, the company will defend you against any claims. Liberty Mutual will pay those claims up to your policy limits. The company also pays for necessary medical expenses up to the limit purchased.
  • Additional living expenses coverage. Liberty Mutual will pay additional expenses resulting from a covered loss if you need to live elsewhere while repairs are happening to your home.
  • Umbrella insurance. Personal umbrella protection gives you additional liability coverage above your homeowners insurance.
  • Emergency home repair service. Getting homeowners insurance includes multiple other benefits, like the emergency home repair service. If you have a covered loss, the Emergency Home Repair Service can find you a local contractor or vendor to help.
  • Claim assistance. Homeowners insurance includes 24/7 claim assistance.
  • Personal property replacement. If your personal items get damaged or destroyed, Liberty Mutual can locate the items, or ones similar to them. The company will then ship you the items.
  • Online access. You can manage, view and make changes to your policy online.
  • Rate. Your rate is determined by a variety of factors, like location, deductible, etc.

How to get Liberty Mutual Homeowners insurance

Buying insurance through Liberty Mutual is simple. The company has offices all over the US, and you can get coverage wherever you live.

Eligibility criteria:

  • Current address
  • Valid payment information
  • US citizen

You can request a quote right on Liberty Mutual’s website. To purchase the insurance plan, you will need to provide the following information:

Required documents & information:

  • Full name
  • Birthdate
  • Address
  • Phone number
  • Property information
  • Payment information

If you are looking to add protection to your home and valuables, Liberty Mutual homeowners insurance may be right for you. Before choosing Liberty Mutual, be sure to compare it with other home insurance companies.

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Roslyn Finder


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January 13, 2019

I noticed that the siding on my home has rotted in different areas this should be replaced. Is this covered by homeowners insurance?


Charisse Finder

January 14, 2019

Hi Rose,

Thanks for reaching out to finder.

If you are referring to Liberty Mutual Homeowners insurance, they can arrange the repair if the damage to your home structure was due to events like fire, theft, storm and frozen pipes.

If you have a copy of your policy schedule, you may want to review the terms and conditions to see what your coverage includes/excludes or better yet, contact Liberty Mutual directly so they can advise you accordingly on this matter.

I hope this helps. Please feel free to reach out to us again if you have additional questions.



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November 24, 2018

I have water damage my sliding door to the deck and my middle bathroom around the toilet. Starting to get mildew. Can I be covered for this?


Joshua Finder

November 25, 2018

Hi Gary,

Thanks for getting in touch with finder. I hope all is well with you. :)

Depending on the level of liability coverage that you have, Liberty Mutual Homeowners Insurance can cover water damage. Please directly get in touch with your insurer to confirm and discuss your situation. Their customer support is available 24/7.

I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

Have a wonderful day!



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October 31, 2018

Liberty mutual home owners insurance. Do they have a policy on specific dog breeds?


Jhezelyn Finder

October 31, 2018

Hello Tony,

Thank you for your comment.

If you’re referring to Liberty Mutual Pet Insurance, their website has not disclosed specific dog breed types policy. However, some specific breed conditions will not be covered for some pet insurers. You may read our guide on pet insurance.

You’re best to confirm with Liberty Insurance if they have coverage for a specific dog breed by contacting them directly.

Should you wish to have real-time answers to your questions, try our chatbox on the lower right corner of our page.



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Tawanna Wells

July 13, 2018

Does my home owners insurance cover foundation and major plumbing issues



July 21, 2018

Hi Tawanna!

Thanks for leaving a question on our page.

To know if you’re home insurance is covered for foundation and major plumbing issue, you must review your policy.

Also, for any clarification, it would be best to contact your provider.

Hope this clears things up.

Best regards,


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December 23, 2017

Are repairs to structure covered


Joanne Finder

December 24, 2017

Hi Angela,

Thank you for visiting finder, we are a financial comparison website and general information service.

For physical structures coverage, if your house, or additional structure (like a garage or shed) is damaged, Liberty Mutual will arrange for each to be replaced or repaired.



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