On this page12 sections
- Ratings and complaints
- Liberty Mutual vs. competitors
- Step by step
- Liberty Mutual home insurance legitimacy and licensing
- How much Liberty Mutual home insurance costs
- What Liberty Mutual home insurance covers
- Claims and customer satisfaction
- Complaints and how to avoid problems
- Who should look elsewhere
- What customers say
- Alternatives
- FAQ
Liberty Mutual is a large, legitimate home insurer: founded in 1912, rated A (Excellent) by AM Best and BBB accredited since 1931. It suits homeowners who want to bundle with Liberty Mutual car insurance (it says new customers who switched and reported savings saved $950 a year on average) and to customize coverage with options like water backup, service line and inflation protection. The tradeoffs: its standard policy pays actual cash value for your belongings unless you buy replacement cost, NerdWallet notes it ranked below average in J.D. Power's 2025 home insurance satisfaction study, and renewal increases are a common complaint. Get at least two other quotes with the same dwelling limit and deductible.
- Insurer
- Liberty Mutual Insurance and its affiliates, 175 Berkeley Street, Boston; founded 1912; homes also written by affiliates such as Peerless Indemnity Insurance Company1
- Financial strength
- A (Excellent) from AM Best, as cited by Liberty Mutual (2025)1
- Price
- Not published. Liberty Mutual says new customers who reported savings saved $950 a year on average by bundling auto and home (survey, October 2024 to September 2025)1
- Standard coverage
- Dwelling, other structures, personal property at actual cash value, personal liability, medical payments, additional living expenses, wind and hail2
- Optional coverage
- Personal property replacement cost, water backup, service line, home systems and appliance breakdown, blanket jewelry, cyber protection and inflation protection2
- Discounts
- Bundling, online purchase, early shopper, new or renovated home, new roof, preferred payment and paperless3
- Availability
- Not sold in California; Liberty Mutual publishes no list of other excluded states, so check by ZIP code on its site1
- Complaints
- BBB A+, 2,092 complaints across Liberty Mutual Group in 3 years; Indiana 2025 homeowners index 2.10 for Peerless Indemnity (3 complaints)7
Pros
- Long list of optional coverages, including water backup, service line and inflation protection
- Many discounts, including early shopper, new roof and buying online
- Buy online, by phone or through a local agent
- Bundling home and auto can save significantly, per Liberty Mutual's survey
- BBB accredited since 1931 with an A+ rating
Cons
- Belongings paid at actual cash value unless you add replacement cost
- Not sold in California; availability in some other states varies
- Below average in J.D. Power's 2025 home insurance satisfaction study
- Renewal price increases are a frequent complaint
- Prices aren't published
Best for: Homeowners who will bundle with Liberty Mutual auto insurance and want to tailor coverage with add-ons like water backup and inflation protection.
Skip it if: You want top-tier satisfaction scores or replacement cost on belongings without paying extra.
Liberty Mutual vs. competitors
| Company | How you buy | Indiana 2025 homeowners complaint index (1.00 = average) | Financial strength |
|---|---|---|---|
| Liberty Mutual | Online, phone, agents | 2.10 (Peerless Indemnity, 3 complaints) | AM Best A (Excellent) |
| State Farm | Captive agents, online, phone | 1.51 (State Farm Fire and Casualty, 111 complaints) | AM Best A+ (Superior), lowered from A++ in November 2025 |
| Allstate | Agents, online, phone | 1.06 (Allstate Vehicle and Property, 20 complaints) | AM Best A+ (Superior), affirmed September 2026 |
| Lemonade | Online and in the app only | 2.31 (1 complaint) | Demotech A (Exceptional), per Lemonade |
Liberty Mutual, step by step
Get a quote
Start online with your address and home details, call, or use a local agent. Have your home's age, size, roof age and current policy handy.
Set coverage and deductible
Pick a dwelling limit based on rebuild cost, not market value, and choose a deductible. Add personal property replacement cost if you want new-for-old payouts.
Stack discounts
Ask about bundling, buying online, quoting early before your current policy ends, a new roof, autopay and paperless billing.
File claims online or in the app
Report a claim 24/7 online or in the app. Liberty Mutual verifies the loss is covered and pays the damage minus your deductible.
Review at renewal
Check your renewal notice for price and coverage changes, and compare quotes if the premium jumps.
Liberty Mutual home insurance legitimacy and licensing
Yes. Liberty Mutual was founded in 1912, is based in Boston and is rated A (Excellent) for financial strength by AM Best, as it cites on its homeowners page. The BBB has accredited Liberty Mutual Group since 1931 and rates it A+, though it lists 2,092 complaints across all products in three years.
Liberty Mutual announced it would phase out its Safeco brand starting in 2026, so some agent-sold Safeco policies may move to the Liberty Mutual name. Your declarations page shows which company in the group insures your home.
How much Liberty Mutual home insurance costs
Liberty Mutual doesn’t publish average premiums. It says new customers who switched and reported savings saved $950 a year on average by bundling auto and home, based on a survey from October 2024 to September 2025; that figure excludes people who didn’t save. Your price depends on location and weather risk, rebuild cost, age and condition of the home and roof, safety devices, your deductible, claims history and, where allowed, your credit.
Discounts include bundling, buying online, quoting before your current policy expires, a new or renovated home, a new roof, automatic or paid-in-full payments and paperless billing. Inflation protection raises your limits at renewal and also earns a discount.
What Liberty Mutual home insurance covers
A standard policy covers your dwelling and other structures, personal property, personal liability and medical payments to others, additional living expenses if your home becomes unlivable, and wind and hail damage. Note that standard personal property coverage pays actual cash value, meaning depreciated value; you need the Personal Property Replacement Cost add-on to be paid what a new item costs.
Add-ons include water backup from sewers or sump pumps, service line, home systems and appliance breakdown, blanket jewelry with no deductible, cyber protection and inflation protection, depending on your state. Like other home policies, it excludes flood and earthquake; flood coverage is available through the National Flood Insurance Program or private insurers.
Claims and customer satisfaction
You can file and track home claims 24/7 online or in the app. Liberty Mutual ranked above the 702 average in J.D. Power’s 2026 Property Claims Satisfaction Study, which surveyed homeowners who had filed claims; Amica, The Hartford and Chubb led. Day-to-day satisfaction is weaker: Liberty Mutual ranked below average in J.D. Power’s 2025 home insurance study, and NerdWallet’s read of NAIC data rates its home complaint volume close to expected based on NAIC data.
What customers say about Liberty Mutual
Recurring themes across the review sites and complaint records listed above, not individual quotes.
Common praise
- Friendly, knowledgeable service staff
- Fast online quotes and account changes
- Savings from bundling home and auto
Common complaints
- Large or unexpected premium increases at renewal
- Hard to reach a live agent through phone menus
- Prices that changed between quote and final policy
- Claim disputes and delays
Complaints and how to avoid problems
Trustpilot reviews across Liberty Mutual products center on premium increases at renewal, trouble reaching a live agent and price changes between quote and purchase. In Indiana, its Peerless Indemnity home insurer had a 2025 complaint index of 2.10, about twice the average, though that’s based on only 3 complaints.
- Set your dwelling limit to the full rebuild cost and consider inflation protection.
- Add replacement cost for belongings and water backup if you have a finished basement.
- Get your quote in writing and confirm the final premium before you pay.
- Compare quotes every renewal if your premium rises sharply.
- Check complaint data for your state through the NAIC Consumer Insurance Search.
Who should look elsewhere
If you live where Liberty Mutual doesn’t sell home policies, or you want the highest satisfaction ratings, look at State Farm, Amica or, if you’re eligible, USAA. If you don’t need car insurance from Liberty Mutual, you lose its biggest savings lever, so an independent agent quoting several carriers may find a lower price.
Alternatives to Liberty Mutual
- An independent insurance agent Can quote several carriers at once at no cost to you, which helps most in states with fast-rising rates.
- State Farm Better if you want a local captive agent and an insurer rated A+ (Superior) by AM Best. Read review
- Allstate A comparable agent-based option with a lower Indiana complaint index for its main home insurer. Read review
- USAA Worth checking first if you're military or a veteran. Read review
Liberty Mutual reviews
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Frequently asked questions
Is Liberty Mutual good for home insurance?
It's a financially strong insurer with many add-ons and discounts, and it ranked above average for homeowners claims in J.D. Power's 2026 claims study. It ranked below average for overall home insurance satisfaction in J.D. Power's 2025 study, and renewal increases are a common complaint.
How much is Liberty Mutual home insurance?
Liberty Mutual doesn't publish prices. Your premium depends on your home, location, coverage and deductible. It says new customers who reported savings saved $950 a year on average by bundling auto and home.
Does Liberty Mutual home insurance cover replacement cost?
For the dwelling, coverage is based on rebuild cost. For belongings, the standard policy pays actual cash value; you need the Personal Property Replacement Cost add-on to be paid what new items cost.
Does Liberty Mutual cover water damage?
Sudden water damage such as a burst pipe is generally covered. Sewer backup and sump pump failures need the water backup add-on, and flood needs a separate policy.
What is Liberty Mutual's AM Best rating?
A (Excellent), as cited on Liberty Mutual's homeowners page for 2025.
What discounts does Liberty Mutual offer on home insurance?
Bundling, buying online, early shopper, new or renovated home, new roof, preferred payment, paperless and claims-free discounts, depending on your state.
Is Liberty Mutual home insurance available in every state?
No. It is not sold in California, and Liberty Mutual publishes no list of other excluded states. Enter your ZIP code on Liberty Mutual's site to check.
What happened to Safeco home insurance?
Liberty Mutual, which owns Safeco, announced it would phase out the Safeco brand starting in 2026. Check your renewal documents for the insurer named on your policy.
Does Liberty Mutual cover flood or earthquake?
Not in a standard home policy. Buy flood coverage through the National Flood Insurance Program or a private insurer, and ask about earthquake coverage where you live.
How do I file a Liberty Mutual home claim?
File online or in the app 24/7. Liberty Mutual reviews whether the loss is covered and pays the damage minus your deductible.
Sources (12)
Facts on this page come from company websites, government agencies and regulators, checked on the dates shown. Editorial standards
- Liberty Mutual: Homeowners insurance (coverage, AM Best rating, bundle savings) (accessed October 13, 2026)
- Liberty Mutual: Homeowners insurance coverages (accessed October 13, 2026)
- Liberty Mutual: Home insurance discounts (accessed October 13, 2026)
- NerdWallet: Liberty Mutual home insurance review (February 2026) (accessed October 13, 2026)
- Indiana Department of Insurance: 2025 Homeowners Complaint Index (accessed October 13, 2026)
- Claims Journal: J.D. Power 2026 U.S. Property Claims Satisfaction Study (March 18, 2026) (accessed October 13, 2026)
- BBB: Liberty Mutual Group (accessed October 13, 2026)
- Trustpilot: Liberty Mutual (accessed October 13, 2026)
- Agency Checklists: Liberty Mutual to sunset Safeco starting in 2026 (accessed October 13, 2026)
- NAIC: Consumer Insurance Search (accessed October 13, 2026)
- Carrier Management: AM Best downgrades State Farm ratings to A+ (November 17, 2025) (accessed October 13, 2026)
- Business Wire: J.D. Power 2025 U.S. Home Insurance Study, homeowners and renters rankings (Sept 16, 2025) (accessed October 13, 2026)
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