Liberty Mutual Home Insurance Review

Updated: Oct 29, 2021

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What is Liberty Mutual Home?

Liberty Mutual (better known as LiMu) is an American based global insurance company that offers multiple types of insurance to its policyholders. It is the third-biggest property and casualty insurance company in the United States and is one of the largest corporations of any kind with its headquarters in the USA. The Liberty Mutual Home Insurance Company is based in Boston, Massachusetts, and has been operating for over a century. The company was founded back in 1912 and has provided the general American populace with quality insurance policies ever since. It offers a wide range of different insurance plans that suit everyone’s diverse needs. Personal, automobile, general, fire, surety, peril, workers are just some of the many different forms of insurance Liberty Mutual can offer you.

Liberty Mutual Home Insurance

Liberty Mutual Home Insurance


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The Liberty Mutual Insurance company operates all across the world through different proxy companies. It can be seen in places such as Argentina, Vietnam, England, Thailand, Russia, Singapore, Turkey, Ireland, Malaysia, Poland, Colombia, Spain, and numerous others. Liberty Mutual is overall one of the most popular insurance companies both in its native USA and globally. It is well known for its effective policies and competitive pricing and is praised and accepted by the general populace. Liberty Mutual is one of the biggest providers of Home Insurance in America. Every fourth home insurance policy established through them.

What Is Home Insurance?

Home insurance is essential, and every responsible homeowner should consider investing in it. It is a multiple-line insurance policy, which means a single payment covers all possible risks. Home insurance covers both property damage and liability coverage for injuries and property damages caused by the homeowner and or his family to other people. It can include damages that are caused by your pets as well if the policy covers it.

When it comes to the USA, it uses a standardized policy form that divides coverage into several different categories. This defines the coverage limits which are provided as a percentage of the coverage plan. The cost of insurance is a fraction when it comes to possible expenses. It is typically directly related to the amount of insurance you’re willing to purchase, and the amount of coverage you want to have. Signing up for home insurance is a legal contract that you sign between yourself and the insurance company of your choosing. Most types of home insurance are available and very flexible when it comes to their customization.

If you are living in a place that is known for hurricanes and floods, you might need to purchase that specific type of insurance extra. Again, you don’t really need any fire insurance if you’re living in the Antarctic, so these customizable packages come in handy. As the insurance types are highly customizable and flexible, they are created to fit all needs and wants you might have. The price range can vary wildly from the most basic of insurance plans to the most complex and all-covering ones. This flexibility makes home insurance available to anyone, and if you are a homeowner, you should definitely think about investing in some.

Why Is Home Insurance Important?

While having home insurance is essential, it is not mandatory like car insurance. You can yourself be a homeowner or own property of any sort and not be insured in the slightest if you choose to do so. This decision is solely up to you, but investing in home insurance is just that – an investment, not an expense. You need proper home insurance in case of any tragedy, which tends to occur much more frequently than you might think.

Financial security

If you are left without any home insurance and your house is damaged in some way, you’re not only risking costly repairs. You’re risking absolute financial ruin. And for what, a flexible price that you can pay yearly? Ask yourself, is this worth it? The damages will be the least of your worries once you receive the repair checks, not to mention the valuables that might be lost. Not only is having no home insurance highly dangerous, but it is also very costly as well. Everyone who is insured and has experienced some sort of tragedy has stated the obvious. Insurance pays off.

If you’ve found yourself in bad luck, like getting injured or having a major malfunction in your home, you’re not going to be covered by anything but your own budget. And the situation you’ve found yourself in, depending on the situation itself, can be very straining on the wallet. This means that all of the structural damage, and, God forbid, injury costs are completely left to you and your personal budget. This might sound rare, but most homes experience some sort of malfunction that is covered by insurance in their owners’ lifetime.

What can Liberty Mutual Home Insurance Offer Me?

Liberty Mutual Homeowners Insurance can offer you a fantastic deal that is competitively priced. It can also provide you with a completely flexible and customizable offer that is sure to fulfill all of your home insurance needs. It is one of the most popular insurance choices in the USA, and it is famous for good reason.

Physical Structures

Physical structure insurance coverage covers everything from your physical home to any building you have built and insured on your property. This includes both garages, garden sheds, summer houses. Liberty Mutual Home insurance will arrange for the repair of every damaged structure or will provide you with finances to do that yourself. This type of insurance is the type you picture when you think of home insurance. In case anything happens to any of your buildings, and it’s not your fault, this type of coverage will take care of it. This is the basic package of home insurance and is cheaper compared to the competition.

Fully Customizable Coverage Plan

Another amazing thing that LiMu home can offer you is a fully customizable plan. If you are looking to insure any one of your structures specifically against something, you are covered. Some of the types of home insurances that LiMu can help you with are:


If you’ve found yourself in the middle of a bad storm it could damage any one of your structures. Purchasing extra storm insurance will not only cover the repairs, but it will also make sure that everything looks as good as new.


If you live in a place where hurricanes are prevalent, you should consider purchasing additional hurricane insurance to ensure your assets are extra-protected from any natural disaster that can occur.


Every single home is in danger from fire damage, whether you like it or not. One in 30.000 homes in the USA experience some sort of fire each year, and that is not a small number. Purchasing additional fire insurance will ensure that your assets are protected from this prevalent danger.


Flooding is another home disaster that might occur more often than anyone would like to admit. You’re just one faulty pipe or tap away from experiencing some sort of flood in your household. Purchase additional insurance to be safe from this too.

Personal Valuables and Possessions

Numerous possessions in your house are very valuable. Be it in sentiment or a financial matter. Or, in the worst-case scenario, both. This type of coverage takes care of furniture, clothing, appliances, and other things that mostly get damaged in case of home disasters. Liberty Mutual has got you covered.

Liability Protection

Liability protection is extremely important and is covered by every single type of insurance. If someone has their personal property damaged while they are on yours, or they get injured in any way, Liberty Mutual will defend you against any claims this person might bring up. Courts can get pretty expensive, as well as medical bills. LiMu covers this up to the limit of the insurance plan you have decided to purchase. This is a vital part of their flexible plan, as the expenses can be astronomical. Insurance pays off, people.

Flexible Customizable Rate

The rate at which you pay for your insurance is completely up to you. Of course, the basic package is fixed, unless you hold different types of insurance with the company, in which case you can get a discount. All additional types of extra insurance you might want to purchase are completely up to you. The more you buy, the price goes down. It’s never bad to be prepared for any unfortunate situation that might occur, but you don’t really need to be extravagant. Protect yourself against things you might think might possibly occur in the future, and you’re sure to keep both yourself and your wallet very happy.

Additional Living Expenses

If you have found yourself with rotten luck, having to leave your house while it is being repaired, and you are insured with Liberty Mutual, you’re actually in luck. Not only will Liberty Mutual arrange for your home repairs, but they will also cover any expense you might have while living outside your house. This includes a stay anywhere you have to be, as long as your insurance plan covers it. So the damage to your house might not be a nightmare after all. It might actually be more of a vacation.

Online Access To Your Policy

Any time you have access to the internet and your account information ready, you can check and edit your insurance policy from the comfort of your own personal computer or any other smart device. This is extremely useful when it comes to insuring something in a pinch. Of course, you will need to be approved, but age-long waiting times and trips to the office are reduced to a couple of clicks. This is not only an amazing convenience. It is also a lifesaver for people who don’t have much time to roam around insuring their property.

Emergency Home Repairs

The basic plan of homeowners’ insurance covers emergency home repairs. Everyone has faced something they really need to be fixed in a pinch. Maybe the power is out, maybe the pipe is getting a little bit too leaky. Numerous problems occur regularly, and they are best left to professionals. Liberty Mutual will arrange for a local vendor or contractor to come to repair your damage, for free if up to the extent of your contract with them. This is very useful when it comes to problems that might pop out of nowhere.

Amazing Customer Support

People tend to often overlook one of the most important parts of any type of insurance. Liberty Mutual employees are available to you 24 hours a day, every day of the year. You are sure to get a quick and professional response, avoiding the annoying hassle of dealing with chatbots. This is extremely useful when it comes to emergency situations that require immediate reactions. Even though hard situations are best avoided, if they arise, you can rest assured, knowing that you are covered every moment of the day.

Why Liberty Mutual?

Liberty Mutual is one of the best insurance firms with the best deals on the market. It is also a very reputable firm that has a long history of providing quality services to all customers. They are respected in their industry and have very positive reviews from their customers.

Even if having proper home insurance is not mandatory, it should be. The benefits of having proper home insurance are amazing and could not only save you money but your life as well. Liberty Mutual is a good provider of this insurance, and should definitely be a contender for your contemplation.

If you are already holding a policy with Liberty Mutual, there is no reason to avoid expanding your contract with them. If you hold a car insurance with LiMu, you can get some discounts if you expand your contract to home insurance, saving you money on both! What’s there not to love?

LiMu Home Insurance Advantages

  • Flexible plans
  • Numerous insurance options
  • Good customer support
  • Multi-policy discount

LiMu Home Insurance Disadvantages

  • Might get pricey
  • Can cancel without notice
  • Does not cover dog bites
  • Average customer satisfaction

Liberty Mutual Contacts

  • Main Support Phone: 1-617-357-9500 (available 24/7)
  • Home Customer Service: 1-800-290-8206
  • Home Insurance Claims: 1-800-225-2467
  • Home Insurance Sales: 1-888-323-4487
  • Ask on Twitter: @AskLiberty
  • More ways to Contact: LibertyMutual on Messenger

Correspondence Address

Liberty Mutual
175 Berkeley Street
Boston, MA
02116 | 36 USC 220506

How to Apply for Liberty Mutual Home Insurance?

You could save 12% or even more when you buy customized home insurance online. To apply for Liberty Mutual Home Insurance Online – click here and get your rate, now!

Liberty Mutual Home Insurance Reviews

Liberty Mutual is a popular provider of home insurance that has a lot of customers. Most of them have positive experiences with the firm. Let’s take a look at what they have to say.

Don of Niagara Falls gives Liberty Mutual 5 stars, and writes:

This policy was the best rated in my state and offered a family discount as I got other members of my family to sign up. This policy also had the lowest deductible and built-in incentives to pay ahead to get a lower overall rate. The application was at first dull and froze and was not ideal for me to use. I like to pay online, and paying through the application would be easiest. They finally got it worked out, the bugs and works well now. I like the quote I received as well as the customer service. I like the ability to create a customized plan that fits my needs. Had to file a claim in regard to my roof, and I was able to get everything covered. I believe in my company, and they stand with me.

Tim from Henderson gives it 4 stars, and has had this to say:

Liberty Mutual came recommended by a person I trust that has done business with the local office for over 25 years. The receptionist was very nice and knowledgeable. She understood my needs and was able to easily explain their services and products and how they were actually much more advantageous than the original policy. It took the local office a couple of tries while working with the regional office to get the policy correct though. Also, they needed to coordinate better between the offices because in the beginning, when we first engaged the insurance company, we had 2 offices attempting to take care of our new policy. Now while that is considerate, it semi confused the situation because we started to get multiple mailings regarding our homeowner’s policy with either incorrect or diverse items on the separate policies.

Not everyone has had positive reviews about Liberty Mutual Home Insurance. Mike from Canton has given Liberty Mutual a small but honest 2-star rating, and writes:

I have my house, some rental properties and a car insured with Liberty Mutual. Their rates went up a lot, and I have never had a claim. Just now, I got an updated policy: from 2017 till now, the rates went up by 34%. I can’t increase the rent by that much to keep up with these guys. They have no regard for customer loyalty.

*All reviews were taken from, and are posted by real people.

Frequently Asked Questions

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Information about Liberty Mutual Home Insurance has been collected independently by Market Pro Secure. The Liberty Mutual did not provide the details, nor is it responsible for their accuracy.


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