Liberty Mutual offers both standard and optional home insurance coverages to protect your home, possessions, and liability.

Standard home insurance coverages include:

• Physical structures: Pays to repair or replace your house and other structures, like a garage or shed, that are damaged by a covered loss. 
• Personal belongings: Pays to repair or replace your personal possessions, like clothing and furniture, that are damaged after a covered loss.
• Bodily injury and property damage liability: Covers medical expenses and legal fees when someone is injured or their property is damaged on your premises. 
• Additional living expenses: Pays for you to live elsewhere while your home is being repaired after a covered loss.

Optional coverages from Liberty Mutual include:

• Home Protector Plus™: Increases your physical structures and personal belongings coverage limits when additional expenses come up while things are being repaired or replaced. 
• Inflation protection: Automatically adjusts your coverage limits to keep up with inflation.
• Valuables: Additional coverage for expensive items, like jewelry, electronics, etc. 

Liberty Mutual offers standard and optional car insurance coverages, so you can build your own policy to suit your needs and budget. 

Standard insurance coverage includes:

• Bodily injury and property damage liability: Covers medical expenses and legal fees when you’re found at fault for an accident. 
• Medical payments: Covers medical treatment costs for you and your passengers. 
• Collision coverage: Pays to repair or replace your vehicle after a collision with another object, or if it rolls over. 
• Comprehensive coverage: Pays to repair or replace your vehicle if it’s stolen or damaged by fire, wind, hail, flood, vandalism, hitting an animal, etc. 

Optional coverages from Liberty Mutual include:

• Deductible fund: Decreases your collision deductible until it reaches $0.
• Accident forgiveness: Your premium won’t increase after your first accident.
• Better car replacement: Replace your totaled car with a newer model with 15,000 fewer miles. 
• New car replacement: Replace your totaled car with a brand new model if yours was less than one model year old and had fewer than 15,000 miles. 
• Rental car reimbursement: Reimburses you for a rental car while your car is being repaired after a covered loss. 
• Lifetime repair guarantee: Your vehicle repairs will be guaranteed for life if you use a Liberty Mutual-approved repair shop.
• Teacher’s insurance: Exclusive discounts and coverages for educators. 

Liberty Mutual offers a great number of optional coverages to add to their standard motorcycle protection. 

Standard motorcycle coverages with Liberty Mutual include:

• Bodily injury and property damage liability: Covers medical expenses and legal fees when you’re found at fault for an accident. 
• Collision: Pays to repair or replace your vehicle after a collision with another object, or if it rolls over. 
• Comprehensive: Pays to repair or replace your vehicle if it’s stolen or damaged by fire, wind, hail, flood, vandalism, hitting an animal, etc. 
• New motorcycle replacement: Pays for a brand new motorcycle if your model was under one year old and was stolen or totaled in a covered loss.

Optional motorcycle coverages include:

• Accessory coverage: Available with collision and comprehensive. Covers permanently installed equipment and enhancements you’ve made to your bike.
• Better bike replacement: Pays for a motorcycle that is one model year newer and with 2,500 fewer miles if your old bike is totaled or stolen in a covered loss. 
• 24-hour roadside assistance: Covers towing and labor services if your motorcycle breaks down.
• Accident forgiveness: Your premium rates won’t increase after your first accident, as long as you’ve been accident-free the past five years. 

Boat and watercraft insurance policies are only available to Liberty Mutual homeowners insurance policyholders. 

Liberty Mutual offers standard watercraft coverages, such as:

• Bodily injury and property damage liability: Covers medical expenses and legal fees when you’re found at fault for an accident. This coverage is available worldwide. 

Additional coverage options include:

• Physical damage: Covers damages or loss of your boat/watercraft.
• Boat accessories: Covers items like anchors, oars, and life preservers while they’re stored on your boat. 
• Emergency boat service: Reimburses you for towing and labor services if your boat ever breaks down on the water. 

Classic car insurance is only available to Liberty Mutual auto insurance policyholders. You can customize your insurance based on your specific car and driving habits. 

Liberty Mutual offers insurance coverage for your all-terrain vehicles (ATVs), snowmobiles, and other off-road vehicles. ATV coverage is only available to Liberty Mutual auto insurance policyholders. 

Liberty Mutual insures many types of ATVs, but only if they’re used for off-road activities. 

Standard coverages include:

• Bodily injury and property damage liability: Covers medical expenses and legal fees when you’re found at fault for an accident. 
• Collision: Pays to repair or replace your vehicle after a collision with another object, or if it rolls over. 
• Comprehensive: Pays to repair or replace your vehicle if it’s stolen or damaged by fire, wind, hail, flood, vandalism, hitting an animal, etc. 
• Medical payments: Pays for medical and funeral expenses of the policyholder, passengers, or a member of the policyholder's family if they’re injured in an accident, regardless of who is at fault. 
• Uninsured/underinsured motorist: Pays for your medical bills, lost income, and damages after an accident if the at-fault driver has little or no liability insurance. 

Liberty Mutual only offers recreational vehicle and travel trailer insurance to its auto insurance policyholders. 

Coverages will protect your RV or travel trailer whether you’re driving or parked at a vacation site. 

Standard coverages include:

• Bodily injury and property damage liability: Covers medical expenses and legal fees when you’re found at fault for an accident. 
• Collision: Pays to repair or replace your vehicle after a collision with another object, or if it rolls over. 
• Comprehensive: Pays to repair or replace your vehicle if it’s stolen or damaged by fire, wind, hail, flood, vandalism, hitting an animal, etc. 
• Medical payments: Pays for medical and funeral expenses of the policyholder, passengers, or a member of the policyholder's family if they’re injured in an accident, regardless of who is at fault. 
• Uninsured/underinsured motorist: Pays for your medical bills, lost income, and damages after an accident if the at-fault driver has little or no liability insurance. 

Personal umbrella policies are only available to Liberty Mutual auto insurance policyholders who have a minimum liability limit. 

Personal umbrella insurance provides additional liability protection if the liability limits on your underlying insurance policies (auto, homeowners, renters, RV, boat, etc.) have been reached. 

A Liberty Mutual umbrella policy includes:

• $1 million in coverage, with the choice of higher limits.
• Liability protection against libel and slander claims. 
• Payment of defense costs, attorney fees, and other related expenses. 
• Protection for you and members living in your home who are explicitly named on the policy. 

Liberty Mutual offers a variety of insurance coverage options whether you rent an apartment, condo, or house. 

Standard renters insurance includes coverage for:

• Personal property: Pays to repair or replace your personal possessions, like clothing and furniture, if it’s damaged or stolen. This coverage also protects your belongings if they’re stored in your car. 
• Bodily injury and property damage liability: Covers medical expenses and legal fees when someone is injured or their property is damaged on your premises. 

Additional coverage options from Liberty Mutual include:

• Home computer and smartphone: Provides additional protection for your computers, peripheral devices, software, and media.
• Blanket jewelry: Provides additional protection for all of your jewelry, with a single coverage limit. 

Liberty Mutual offers condominium insurance to protect your possessions, the interior of your unit, liability claims, and other risks not covered by your association’s insurance.

Standard condo insurance coverages include:

• Personal property: Pays to repair or replace your personal possessions, like clothing and furniture, if it’s damaged or stolen. This coverage also protects your belongings if they’re stored in your car. 
• Bodily injury and property damage liability: Covers medical expenses and legal fees when someone is injured or their property is damaged on your premises. 

Additional coverage options from Liberty Mutual include:

• Home computer and smartphone: Provides additional protection for your computers, peripheral devices, software, and media.
• Blanket jewelry: Provides additional protection for all of your jewelry, with a single coverage limit. 

Liberty Mutual offers landlord insurance, also known as dwelling fire insurance, to protect your investment property. 

Landlord insurance typically covers your residential rental property (single-family, duplex, triplex, or quad), other structures on your property (shed, garages, porches, etc.), and items on your property that you own and your tenants use (microwaves, washers, dryers). 

Landlord coverage options from Liberty Mutual include:

• Bodily injury and property damage liability: Covers medical expenses and legal fees when someone is injured or their property is damaged on your premises.
• Fair rental value coverage: Pays you for the rental income you’ll lose if your property is deemed uninhabitable. 
• Inflation protection: Automatically adjusts your coverage limits to keep up with inflation.
• Personal injury protection: Pays defense costs and attorney fees for claims of libel, slander, invasion of privacy, wrongful eviction, or wrongful entry. 

Liberty Mutual offers mobile home insurance through a partnership with Assurant. 

Standard mobile home coverages include:

• Physical structures: Pays to repair or replace your house and other structures, like a garage or shed, that are damaged by a covered loss. 
• Personal belongings: Pays to repair or replace your personal possessions, like clothing and furniture, that are damaged after a covered loss.
• Bodily injury and property damage liability: Covers medical expenses and legal fees when someone is injured or their property is damaged on your premises. 

Liberty Mutual offers flood insurance policies through the National Flood Insurance Program (NFIP), which is administered by the Federal Emergency Management Agency (FEMA). Flood insurance protects your home from water damage caused by storms, hurricanes, and melting snow.

Liberty Mutual offers term and permanent life insurance, with additional riders that allow you to customize your policy to suit your needs.

Liberty Mutual offers term life insurance policies, also known as Liberty Series Passports, for 10-, 15-, 20-, and 30-year periods. These policies include a death benefit and a guarantee that your premium rates will remain level throughout the policy length.

Liberty Mutual permanent life insurance options, including whole life and universal life, provide a lifetime of coverage. Whole life insurance policies build cash value, which you can borrow against through loans. Your premium payments will remain level throughout the policy length. Whole life policies offered include:

• Liberty Series Whole Life: Provides level premium payments your entire life. The policy will expire on its one year anniversary after your 100th birthday.
• Liberty Series Life Paid-Up at 65: Provides level premium payments until the policy’s one year anniversary after your 65th birthday.
• Liberty Series 20-Year Payment Life: Promises level premium payments for 20 years.
• Liberty Series Extra Value Life: Provides both temporary and permanent coverage, so it’s cheaper than a standard whole life policy.
• Liberty Series Estate Maximizer Next Generation: Provides lifelong protection, and a death benefit larger than your initial, one-time premium payment. Your death benefit increases in value based on your age and gender. This policy is meant for people who wish to transfer assets after they die. 

Universal life insurance offers the same benefits as whole life but gives you the option to change your coverage levels and premium payments at any time. Universal policies offered include:

• Spirit Series Performance Universal Life: Your payments build cash value, and you can adjust your coverage levels and premium payments throughout time.
• Spirit Series Universal Life: Provides lapse protection through many circumstances. This policy doesn’t build significant cash value. 

Identity Fraud Expense Coverage is only available for Liberty Mutual homeowners insurance policyholders. This additional coverage provides personal and financial assistance for restoring your credit score and identity. 

Identity theft coverages offered include:

• Identity theft counselor: Provides personal assistance through the Liberty Mutual Identity Fraud Crisis Resolution Center. Counselors act on your behalf to alert creditors, obtain credit reports, and monitor future credit transactions for up to three years.
• Restoring expenses: Provides $15,000 per occurrence and $30,000 per policy period to cover attorney fees, lost wages, loan application fees, notary fees, certified mail, and long distance phone calls with creditors, law enforcement, etc. 

Liberty Mutual has partnered with Hartville Pet Insurance to provide coverage for your cat or dog’s veterinary bills. 

A pet insurance policy includes coverage for: 

• Accidents and injuries: Including swallowed objects, broken bones, wounds, and more.
• Illnesses: Includes treatment for both serious and minor conditions, such as cancer, diabetes, ear infections, and more. This does not include coverage for pre-existing conditions.
• Preventative care: Provides reimbursements for typical services, like annual check-ups. 

Liberty Mutual offers a variety of coverages for all types of small businesses. Coverages offered include:

• Business Owners Policy (BOP): Provides general liability and property coverages to small and midsize businesses. 
• Commercial auto insurance: Provides coverage for your drivers and the owned, leased, non-owned, and hired commercial vehicles they use. 
• Employee Benefits: Provides benefits such as group life and disability insurance, and leave of absence to your employees. 
• Equipment breakdown: Covers property damage or loss caused by equipment failure.
• General liability: Provides protection for you and your employees if your company has a claim or lawsuit filed against it. 
• Group programs: Northwest companies with similar insurance needs can purchase property and casualty plans together for an affordable rate.
• Inland marine insurance: Covers business products or materials that are frequently moved or shipped to different locations. 
• Property insurance: Pays to repair or replace your business property and possessions. 
• Specialty programs: Provides insurance for niche companies, like scrap metal, self-storage, nonprofits, etc.
• Umbrella insurance: Provides additional liability protection beyond your underlying business coverage limit. 
• Workers’ compensation: Covers lost wages and medical expenses if an employee is injured at work. 

Liberty Mutual offers accidental injury coverage to help you manage a variety of expenses while you’re recovering from an injury. Cash payments can be used for out-of-pocket medical costs (deductibles, co-pays, or prescriptions), grocery delivery, physical therapy, child care, and other expenses. 

Liberty Mutual offers a Basic Benefits plan which covers:

• Individual accident: Covers a variety of accidental injuries, such as burns or broken bones.
• Accident death and dismemberment

Optional coverages include:

• Hospital indemnity benefits: Covers hospital admission, hospital stays, and testing.
• Emergency benefits: Pays for emergency transportation, such as ground or air ambulances.
• Additional benefits: Pays for medical treatments pertaining to blood transfusions, inpatient/outpatient care, lodging, injuries, and burns. 

Liberty Mutual offers critical illness insurance to help you pay for medical and everyday expenses while you’re recovering from a covered illness or procedure. 

Covered illnesses and procedures include cancer, heart attack, coronary artery bypass surgery, stroke, and organ transplant. 

You’ll be given a lump-sum cash payment to use towards unexpected medical expenses, recovery costs, mortgage payments, childcare, utility bills, groceries, etc. 

Liberty Mutual offers tuition insurance to extend your school’s refund period and provide tuition, room and board, and other fee reimbursements. Reimbursement is granted when you can no longer attend school due to an unexpected accident, physical illness, mental illness (anxiety, depression, etc.), or other covered reasons. 

Coverage will last throughout the school year, as long as the policy is purchased before the first day of classes.