Liberty Mutual Renters Insurance Review: Cost, Coverage, and More (2026)
Liberty Mutual offers reliable coverage at competitive rates but has fewer discounts than some other insurance companies.
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Written byJanet Berry-Johnson
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8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
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Edited byBecky Helzer
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Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
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Table of contents
Liberty Mutual is the fifth-largest insurance company in the U.S. by market share.[1] It offers a wide range of coverage options, including renters insurance, and says you can protect your property for as little as $5 per month.
The national average cost of a renters insurance policy is $22 per month for $30,000 in personal property coverage. Liberty Mutual’s price for the same coverage amount averages $34 per month.
Although online customer satisfaction scores are mixed, the company has an AM Best financial strength rating of A (Excellent). Comparing renters insurance companies helps you find the best value and coverage to fit your specific needs.
Quick Facts
Liberty Mutual renters insurance includes standard coverages, plus the option to add earthquake coverage.
Policyholders can file claims with Liberty Mutual online, through the mobile app, or by phone.
Liberty Mutual has a mixed reputation for customer service, with praise for claims handling but some complaints about rising premium costs.
Our take on Liberty Mutual renters insurance
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Liberty Mutual’s rates are competitive, but it’s not always the cheapest option compared to other insurance companies. Liberty Mutual offers standard renters insurance coverages, including personal property protection, liability insurance, and additional living expenses.[2]
Liberty Mutual sells policies in all 50 U.S. states and Washington, D.C. The company offers several discounts, including savings for purchasing a policy online, remaining claims-free for five years or more, and bundling renters insurance with a Liberty Mutual auto insurance policy.
Pros
Comprehensive coverage options
Competitive rates
Available nationwide
Cons
Fewer discounts than some competitors
Premiums may increase significantly after a claim
Mixed customer service reviews
What Liberty Mutual renters insurance covers
Here’s a breakdown of what a renters insurance policy from Liberty Mutual typically includes:
Personal property coverage
Personal property insurance covers the cost of repairing or replacing your belongings, including furniture, electronics, and clothing, if theft or damage occurs.
Liability coverage
Liability coverage helps pay legal fees, medical bills, and repairs if you’re responsible for injuring someone or damaging their property.
Additional living expenses coverage
If your unit becomes uninhabitable due to a covered loss, such as a fire or water damage from a rainstorm, loss of use coverage helps pay for the cost of a hotel stay or temporary housing.
In addition to the standard coverages, Liberty Mutual offers some additional coverage options, such as:
Blanket jewelry coverage
Renters insurance typically includes jewelry coverage, but it might not cover the full cost of a stolen or damaged item due to sublimits for certain valuable items and deductibles. Liberty Mutual’s optional blanket jewelry coverage replaces your high-value jewelry if it’s stolen or damaged, with no deductible or up-front appraisal necessary.
Earthquake coverage
A standard renters insurance policy excludes earthquake coverage.[3] Liberty Mutual offers renters the option to add it.
But, like other insurance companies, Liberty Mutual has coverage limitations. A renters policy from Liberty Mutual doesn’t cover property damage from the following:
Floods
Pests like termites or bed bugs
General wear and tear or neglect[4]
Cost of Liberty Mutual renters insurance
The average cost of a renters insurance policy from Liberty Mutual with $30,000 in personal property coverage and $100,000 in liability coverage is $34 per month, according to Insurify data. In comparison, the national average cost of a renters insurance policy with the same coverage limits is $22 per month.
Liberty Mutual renters insurance discounts
Renters insurance discounts can lower your premiums and help you get more value for your money. Although Liberty Mutual doesn’t always disclose specific percentages, some of its available discounts include:
Bundling policies: Bundle renters insurance with a home or car insurance policy for a discount.
Purchasing online: You can save by buying your renters insurance directly from the Liberty Mutual website.
Staying claims-free: If you haven’t filed a renters insurance claim for five years or more, you can earn a discount.
Shopping early: Liberty Mutual may provide a discount if you secure a quote before your current policy expires.
Auto payments: You’ll get a discount when you enroll in automatic payments linked to your bank account.
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4.7 out of 5 based on 11,378 reviews
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Liberty Mutual reviews: What real customers are saying
All casualty insurers get some negative reviews from unhappy customers, and Liberty Mutual is no exception. While the company has a rating of 4.3 out of 5 stars on Trustpilot, this may not accurately reflect true customer sentiment. Trustpilot states that Liberty Mutual “may be asking for reviews in a way that Trustpilot doesn’t support,” which can “compromise the reliability of reviews.”
Liberty Mutual also has a customer satisfaction rating of 1.1 out of 5 stars on its Better Business Bureau (BBB) profile page.
Keep in mind that these reviews come from users with all kinds of insurance products, including homeowners insurance, auto insurance, and renters insurance. Here are several recent customer complaints:
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How to buy a Liberty Mutual renters insurance policy
Liberty Mutual makes it easy for customers to purchase renters insurance through multiple channels. You can get insurance quotes and buy a policy online, over the phone, or by working with a local agent.
Here’s how to buy a policy online:
Visit the company website. Select the “Renters insurance” option.
Enter your information. You’ll need to provide your address, how long you’ve lived there, your name and birth date, whether you have a cat or dog, the approximate value of your personal belongings, and information on any roommates other than your family members. You’ll also need to give Liberty Mutual your email address and phone number so it can contact you with a quote.
Review your quote. Liberty Mutual will generate a quote based on your information.
Complete your purchase. If the policy meets your needs, you can finalize your purchase with a major credit card or electronic funds transfer from your bank account.
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How to file a renters insurance claim with Liberty Mutual
You can start the claims process online, through the mobile app, or over the phone. Here are the steps to follow:
1. Document the damage or loss
Before filing a claim, take photos or videos of any damage to support your claim.
2. Call or log in to your account online
Visit Liberty Mutual’s website or open the mobile app. You can also call the claims line if you prefer.
3. Provide the necessary information
Provide details about the incident, including the date, time, and a description of what happened. Be as specific as possible.
4. Submit the claim
Once you provide all the necessary information, submit your claim for review.
5. Work with a claims adjuster
Liberty Mutual will assign a claims adjuster to evaluate the damage and guide you through the next steps.
6. Receive payment
If Liberty Mutual approves your claim, you’ll receive a payout based on your coverage terms and deductible.
Liberty Mutual renters insurance FAQs
You may have more questions about Liberty Mutual renters insurance. The following information can help you get a better understanding of its policies.
Is Liberty Mutual reputable?
Yes. Founded in 1912, Liberty Mutual is a well-established insurance company. AM Best gave the company a financial strength rating of A (Excellent), indicating strong financial stability and an ability to pay claims.
Is Liberty Mutual good at paying claims?
It depends. While Liberty Mutual generally handles claims efficiently, customer reviews are a mix of negative and positive. Some customers praise the smooth claims process, while others report delays. It’s important to document everything and work closely with your claims adjuster to resolve your claim quickly.
Can you cancel Liberty Mutual renters insurance at any time?
Yes. Liberty Mutual allows you to cancel your renters insurance anytime. But depending on your policy terms, you may have to pay a cancellation fee or receive a prorated refund based on your payment plan.
Which companies have cheaper renters insurance than Liberty Mutual?
Liberty Mutual offers competitive rates, but the cost of your renters insurance policy might be lower with another insurer, depending on your location, property characteristics, credit history, claims history, and other factors. According to Insurify data, Erie and American Family offer the most affordable average monthly rates for renters insurance across the U.S.
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Sources
- Insurance Information Institute. "Facts + Statistics: Insurance company rankings."
- Liberty Mutual. "Renters insurance coverage types."
- Insurance Information Institute. "Renters Insurance."
- Insurance Information Institute. "Which disasters are covered by homeowners insurance?."
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Janet Berry-Johnson
Janet Berry-Johnson, CPA is a freelance writer with a background in accounting and income tax planning and preparation. She's passionate about making complicated financial topics accessible to readers. She lives in Omaha, Nebraska with her husband and son and their rescue dog, Dexter. Visit her website at www.jberryjohnson.com.
Janet has been a contributor at Insurify since October 2022.
Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
