On this page12 sections
- Ratings and complaints
- Liberty Mutual vs. competitors
- Step by step
- Liberty Mutual renters insurance legitimacy and licensing
- How much Liberty Mutual renters insurance costs
- What Liberty Mutual renters insurance covers
- Where Liberty Mutual sells renters insurance
- Complaints and how to avoid problems
- Who should look elsewhere
- What customers say
- Alternatives
- FAQ
Liberty Mutual renters insurance is a good fit if you already have Liberty Mutual car insurance or can stack its online, claims-free and early shopper discounts, and liability coverage is included as standard. It is legitimate coverage from an A (Excellent) rated insurer founded in 1912, sold online, by phone and through agents. The tradeoffs: belongings are paid at depreciated value unless you add replacement cost, it isn't sold everywhere (its state pages skip California, Alaska, Nevada and three other states), and it scored 656 in J.D. Power's 2026 renters ranking, 12th of 16 and below the 682 average. Compare at least two other quotes with the same limits.
- Price
- As low as $5 a month, not available in all states, as listed October 20261
- Discounts
- Up to 10% for buying online (not in California), claims-free for 5 years, early shopper, and bundling with auto1
- Standard coverage
- Personal property, personal liability and additional living expenses; belongings covered anywhere, including during a move for 30 days1
- Add-ons
- Personal property replacement cost, blanket jewelry with no deductible or appraisal, earthquake, and no-fault medical coverage1
- Suggested limits
- Liberty Mutual says many people start with $15,000 of personal property and $100,000 of liability1
- Not covered
- Flood, the building itself, and your pets1
- J.D. Power 2026
- 656 out of 1,000, 12th of 16 ranked renters insurers (includes former Safeco); segment average 6828
- Financial strength
- A (Excellent) from AM Best, as cited by Liberty Mutual1
Pros
- Advertised from $5 a month
- Up to 10% off for buying online, plus claims-free and early shopper discounts
- Liability and additional living expenses included
- Belongings covered away from home and during a move
- Buy online, by phone or through an agent
Cons
- Belongings paid at actual cash value unless you add replacement cost
- Below average in J.D. Power's 2026 renters ranking
- Online discount not available in California
- Not sold in every state
- Adding a landlord as an interested party takes a phone call
Best for: Renters who already have Liberty Mutual car insurance or can stack its online and claims-free discounts.
Skip it if: You want replacement cost included by default or a top-ranked insurer for customer satisfaction.
Liberty Mutual vs. competitors
| Company | Advertised price | J.D. Power 2026 renters score | How you buy |
|---|---|---|---|
| Liberty Mutual | As low as $5 a month | 656 (12th) | Online, phone, agents |
| State Farm | About $13 a month for $34,000 of coverage (NAIC survey figure) | 702 (1st) | Agents, online, phone |
| Lemonade | From $5 a month; about $16 a month average | 674 (6th) | App and online only |
| Allstate | From $5 a month | 667 (tied 8th) | Online, phone, local agents |
Liberty Mutual, step by step
Take inventory
Estimate what your belongings would cost to replace. Liberty Mutual suggests many renters start with $15,000 of property coverage and $100,000 of liability.
Get a quote online
Buying on libertymutual.com can save up to 10%, except in California. You'll need basic details about you, your rental and anyone you want on the policy.
Choose add-ons
Add personal property replacement cost so claims pay for new items, plus blanket jewelry or earthquake coverage if you need them.
Add your landlord
Call 800-290-8711 to list your building manager or landlord as an additional interest.
File claims and review renewals
File claims online or in the app. Check your renewal price each year and compare quotes if it rises.
Liberty Mutual renters insurance legitimacy and licensing
Yes. Liberty Mutual has sold insurance for over 100 years, is based in Boston, and cites an A (Excellent) financial strength rating from AM Best. The BBB has accredited Liberty Mutual Group since 1931 with an A+ rating, though it lists 2,092 complaints across all products in three years.
Satisfaction is a weak spot: Liberty Mutual, including its former Safeco brand, scored 656 in J.D. Power’s 2026 renters ranking, 12th of 16 and below the 682 average. Liberty Mutual announced it would phase out the Safeco name starting in 2026.
How much Liberty Mutual renters insurance costs
Liberty Mutual advertises renters insurance as low as $5 a month, where available. That price reflects minimal coverage; your premium depends on where you live, how much your belongings are worth, the limits you choose and your deductible.
Discounts: up to 10% for buying online (not in California), a claims-free discount if you haven’t filed a claim with your previous insurer in 5 years, an early shopper discount for quoting before your current policy ends, and savings for bundling with auto. Discounts vary by state.
What Liberty Mutual renters insurance covers
Standard coverage includes personal property, personal liability (including injuries or damage caused by you, a family member or your pet) and additional living expenses if a covered loss forces you out. Your belongings are covered away from home, such as items stolen from your car, and for 30 days during a move. Sudden water damage, like a burst pipe, is covered; flood and the building itself are not, and renters insurance doesn’t cover your pets.
Optional coverages include personal property replacement cost, blanket jewelry with no deductible or appraisal, earthquake and no-fault medical coverage for guests. Without the replacement cost add-on, claims pay depreciated value, which can be far less than buying new.
Where Liberty Mutual sells renters insurance
Liberty Mutual’s renters state pages cover 44 states and Washington, D.C., as listed October 2026. Alaska, California, Nevada, North Dakota, South Dakota and Wyoming aren’t on that list, so enter your ZIP code to confirm before you plan on it.
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
- Quick online quotes and self-service changes
- Savings from discounts and bundling
Common complaints
- Yearly premium increases
- Hard to reach a live agent through phone menus
- Prices that changed between quote and final policy
- Claim disputes
Complaints and how to avoid problems
Trustpilot reviews across Liberty Mutual products mention premium increases, trouble reaching a live agent and quotes that changed before purchase. Most reviews concern car insurance, not renters.
- Add replacement cost for belongings so a claim pays for new items.
- Buy online to get the up to 10% discount where it’s offered.
- Confirm the final premium in writing before you pay.
- Photograph your belongings and keep receipts for big purchases.
- Check your state’s complaint data through the NAIC Consumer Insurance Search.
Who should look elsewhere
If you live in a state Liberty Mutual doesn’t serve, want replacement cost included at no extra charge, or care most about satisfaction rankings, compare State Farm, Lemonade and your car insurer. Military members and veterans should check USAA first.
Alternatives to Liberty Mutual
- Your car insurer's renters policy If your car is insured elsewhere, a bundled renters policy there may beat Liberty Mutual's price.
- State Farm Ranked first in J.D. Power's 2026 renters study, with local agents. Read review
- Lemonade Includes replacement cost for belongings in its standard policy and sells fully online. Read review
- USAA The first stop if you're military or a veteran, since it may include flood and earthquake, depending on location. Read review
Liberty Mutual reviews
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Frequently asked questions
Is Liberty Mutual renters insurance good?
It's legitimate, financially strong coverage with useful discounts. It ranked below average in J.D. Power's 2026 renters ranking, and you need an add-on for replacement cost.
How much is Liberty Mutual renters insurance?
It's advertised as low as $5 a month where available. Your price depends on location, coverage limits and deductible.
Does Liberty Mutual renters insurance cover replacement cost?
Only with the Personal Property Replacement Cost add-on. Otherwise, claims pay actual cash value, which subtracts depreciation.
How much renters coverage do I need?
Liberty Mutual says many people start with $15,000 of personal property and $100,000 of liability. Take an inventory of your belongings to set your own limit.
Does Liberty Mutual renters insurance cover theft outside my home?
Yes. Your belongings are covered wherever you are, for example if they're stolen from your car or damaged in a hotel room.
Does Liberty Mutual renters insurance cover water damage?
It covers sudden and accidental water damage to your belongings, like a burst pipe. Flood damage isn't covered, and the building's walls and floors are your landlord's responsibility.
What discounts does Liberty Mutual offer on renters insurance?
Up to 10% for buying online (not in California), claims-free for 5 years, early shopper and multi-policy discounts.
How do I add my landlord to a Liberty Mutual renters policy?
Call 800-290-8711 to add an additional interest such as an apartment complex, building manager or HOA.
Does Liberty Mutual sell renters insurance in California?
California isn't on Liberty Mutual's list of renters state pages, and its online discount footnote says it isn't available in California. Check with a quote.
How does Liberty Mutual rank for renters satisfaction?
It scored 656 out of 1,000 in J.D. Power's 2026 renters ranking, 12th of 16. State Farm ranked first with 702.
Sources (8)
Facts on this page come from company websites, government agencies and regulators, checked on the dates shown. Editorial standards
- Liberty Mutual: Renters insurance (price, discounts, coverage, FAQ, state pages) (accessed October 13, 2026)
- BBB: Liberty Mutual Group (accessed October 13, 2026)
- Trustpilot: Liberty Mutual (accessed October 13, 2026)
- Lemonade: Renters insurance (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)
- USAA: Renters insurance (accessed October 13, 2026)
- Business Wire: J.D. Power 2026 U.S. Home Insurance Study, homeowners and renters rankings (Sept 15, 2026) (accessed October 13, 2026)
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