Liberty Mutual homeowners insurance could be your future home insurance company.
Every homeowner has unique insurance needs when it comes to their policy. Insurify can help you decide if this is the right insurance company for you.
It’s nearly impossible to get Liberty Mutual’s catchy song out of your head once you hear it. Yet despite its marketing jingles, customers tend to be quite happy with the company as a whole. Liberty Mutual offers homeowners a robust set of insurance products with many types of additional coverage to choose from. While no company is perfect, Liberty Mutual tends to have higher insurance rates than its competitors and may sometimes fall short with customer service.
Shopping for a home insurance policy can be daunting as there are so many insurance providers with different options to consider. Unsure if your current policy is the best policy for you? Visit Insurify. Not only will you have the ability to compare home insurance quotes from multiple companies, but you can review what types of insurance coverage will make the most sense for you.
Liberty Mutual Home Insurance Reviews: Customer Satisfaction
Any insurance company is likely to have a fair amount of customers who give rave reviews and equally as many who express complete frustration. Liberty Mutual is no exception, as it has relatively average ratings. Customers can obtain coverage through an independent agent, so any negative experiences are likely tied to each individual insurance agent?. However, some do take issue with Liberty Mutual’s claims processes, stating that payouts can be minimal and take far longer than expected.
Although Liberty Mutual Insurance Company does have some less than satisfied customers, the overwhelming majority of policyholders note that their homeowners policy is precisely what they’re looking for. Liberty Mutual combines fantastic base options along with optional coverage to give homeowners exceptional peace of mind. Some even enjoy purchasing auto insurance as well and end up saving money with a multi-policy discount.
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Liberty Mutual Homeowners Insurance Quotes
It’s important to remember that homeowner’s insurance policies cannot always be compared in an apples-to-apples situation. A wide range of factors goes into generating a quote, including the value of your personal property, the age of your home, and even small things you may not think about, like having deadbolts, smoke alarms, burglar alarms, or protective devices.
Many customers find that even with more standard coverage options, policies from Liberty Mutual tend to be on the pricier side. In some states, prices can be nearly double that of a policy from Travelers or State Farm, but with a wide range of home discounts available, you may be able to lower your rate. As policy limits increase, customers find that quotes from Liberty Mutual tend to be slightly more competitive, but only by a small amount.
If you’re interested in obtaining a quote for property coverage, personal possessions replacement, or any other type of home insurance product, you can contact one of Liberty Mutual’s independent agents or contact customer service at 1 (800) 290-6320. Customers can also visit www.libertymutual.com to learn more about pricing by answering a few simple questions.
Average Cost of Liberty Mutual by State
Based on 530 quotes generate on Insurify, we found that the average monthly cost for a Liberty Mutual insurance policy was $137 a month. Below is a table showing the average cost of Liberty Mutual home insurance by state.
Don’t see your state? We haven’t gathered enough data from that state yet. We will update this page with more quoting information as soon as we are able. Stay tuned!
What’s covered by Liberty Mutual home insurance?
There’s a fine line between offering enough home insurance coverage to make policyholders happy and providing so many options that it becomes overwhelming. Liberty Mutual seems to have cracked the code when it comes to its product lineup, letting customers take advantage of the following standard options:
Dwelling coverage: Considered by many to be the essential foundation of any good home insurance policy, dwelling coverage will protect the structure of your home after a qualifying event. This typically includes fire, theft, and damage from wind or hail.
Personal possessions coverage: Many of us can’t even place a value on some of our belongings, but for the items that can be more easily replaced, personal possessions coverage is here to help. Customers can select from a range of coverage options based upon their replacement cost.
Liability coverage: If someone is injured while on your property, they could sue you for medical expenses and place your assets at risk. Having liability coverage helps in this scenario, allowing you to protect yourself.
Additional living expenses coverage: Sometimes, home repairs can take longer than expected, and if your home is uninhabitable after a covered event, staying in a hotel is costly. This policy feature helps to offset those extra expenses.
You can also tack add-ons to your policy in the form of riders. For example, if you need flood insurance you can add a policy to your standard home insurance.