Sunday, February 16th
2025 Home Insurance Company Reviews
Liberty Mutual
- Operates in all 50 states
- Online quotes
- Bundle and save
- Discounts for new homes
- "A-” Better Business Bureau rating
"Liberty, Liberty, Liberty!” Can you hear the jingle in your head? Liberty Mutual is no exception when it comes to catchy tunes to help you remember their brand. The company was originally formed to provide workers compensation insurance back in 1912. They've grown to be the fifth largest global property and casualty insurer and ranked 86th on the Fortune 100 list of largest corporations in the US. Liberty Mutual is based out of Boston but they operate all throughout the United States and in 29 other countries.
Answer questions for a quote
On Liberty Mutual's homeowners insurance page, there isn't a lot of information, but just a section for you to add your property type and zip code to jump right into an online quote. There are 6 basic steps you'll go through to get a price. First, you'll provide personal information like your address, name, phone and email. If your address matches information they already have in their system, it will save you some time because it will load the year the home was built, square footage, style, heating source, roof type, the number of bathrooms, and other important details. They'll ask a few additional questions about your home like if you have secondary heating, whether or not you have a pool, if you're currently doing construction, and more. The final step will be to input your social security number (we really don't like this) and then Liberty Mutual should provide you with a quote.
Redirected to partners
For whatever reason, Liberty Mutual had a hard time coming up with a quote for us, so instead we were given a list of partners we could try instead. These included companies like Progressive and Allstate. To get a quote from them, we were completely redirected to their websites instead. We don't imagine this would be everyone's experience, but it was ours and we were a bit frustrated by it.
Basic coverage
The basic policies through Liberty Mutual will cover your belongings (personal property and blanket jewelry), damages (personal liability and medical payments, dwelling, wind and hail damage, hurricane damage, and water backup), and expenses (additional living expenses and inflation protection).
"Only pay for what you need”
Liberty Mutual boasts that you can save 10% when you buy customized home insurance online. This is to incentivize you to use their website to get a quote and sign up. They say you can also save up to $950 when you bundle and save with auto insurance and get a better deal on your policy if you have a brand new home.
Quick claim filing
Straight from Liberty Mutual's website you can file and track claims. They also provide a phone number if you need to talk with someone directly instead. They have guides on the auto claims process and home claims process so you can see step-by-step what you should do and what to expect when you file a claim. It only takes 5-`10 minutes after you login into the online portal.
Frustrations over auto policies
Liberty Mutual has an "A-” rating from the Better Business Bureau. Like most major insurance companies, their third-party customer reviews are quite frightening. People who are in bad situations and don't get things resolved exactly how or when they hoped will naturally take to the internet to voice their complaints. This isn't necessarily a representative sample of how all Liberty Mutual customers feel in general, but a lot of them say that customer service gives them the run-around when it comes to getting claims taken care of. By far, though, the majority of people who are upset with the company refer to their auto insurance policies rather than homeowners insurance, so that's important to note.
Good option
If you are able to get a solid online quote from Liberty Mutual, this is a reputable company to go with. As long as you provide accurate information for your quote and carefully review the policy you select, you should be able to trust Liberty Mutual. They primarily work with people in low risk areas, but they've been in the business a long time and have an easy-to-use website for you to manage all your account details. Liberty Mutual has earned a good rating from us.
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Where is the Best Place to Purchase Homeowners Insurance?
No one wants to imagine their home getting overrun with water damage, enduring a natural disaster, having a fire destroy their property, or having to deal with theft, but it happens. Everyone should have homeowner's insurance for peace of mind and to be taken care of in case of an emergency or unfortunate occurrence. In fact, it's so important that you can't take out a mortgage anymore unless you can prove you have homeowner's insurance in place.
It makes sense that banks don't want to hand over a loan with the risk that something will happen to the property and render the owner unable to continue paying their mortgage. Since your home is such an important asset, you don't want to risk being responsible for thousands of dollars in costs if unexpected damage or destruction were to occur. Being uninsured in a time of crisis could result in total financial ruin.
Home Insurance Company FAQ
Continued from above...
Most people don't have enough cash in the bank to cover a major portion of or even the entire cost of their home. It's probably the last thing you want to spend your money on when you're already paying a monthly mortgage. Having good home insurance is the best way to stay financially protected and ensure that you always have what it takes to repair and maintain your house if something goes wrong.
If you're a new homeowner, it may seem a little overwhelming to find an insurance policy. Luckily there are lots of companies available these days for you to choose from. Companies have gotten better at using layman's terms and really spelling out all their policies for you, so that you know what you'll be paying monthly, what the policy covers, and how to make a claim if you need to. Usually a company will offer a few different price ranges you can choose from, depending on how much coverage you think you need, and you can easily compare them to decide what works best with your budget and covers the risks that most threaten your property and surrounding area.
We've done some of the heavy lifting for you here by going over the process different companies require for you to get quotes and reviewing what people have to say about their customer service and follow-through with claims. When it comes to a situation regarding insurance, you don't want to mess around. We can't overstate the importance of being able to rely on a company that's affordable and will hold your hand while you navigate stressful situations.
Since there are quite a few insurance companies to choose from that have different types of policies, keep the following things in mind when choosing who to go with:
- Standard coverage. What are the basic things included with standard coverage through the insurance company?
- Optional add-ons. Every home, neighborhood, city, and state is different. That means that while one homeowner may need earthquake insurance, another may need flood insurance. Does the company have options to cover the specific risks in your area? Some also have add-ons for personal belongings like jewelry, so if this is something you might need, pay attention to what's available.
- Coverage limits. In any given situation, what is the maximum amount the company would pay out? Do you feel confident that it's enough to cover all the costs you may be facing?
- Deductible. Even though you pay a monthly fee to have home insurance, you'll still be responsible for an upfront portion of the cost of any damage you're dealing with. If you want a lower deductible, you may decide to choose a plan with a higher yearly premium instead.
- Customer satisfaction. When you find yourself in a crisis, you want to make sure you are working with a company that will help you every step of the way. Pay attention to what other customers say about their experience with the insurance company. Do they follow through with claims quickly and efficiently? Are their employees patient, kind, and easy to work with? What rating does the Better Business Bureau give the company?
Top Consumer Reviews has researched the most important things you'd need to know about choosing a home insurance plan. We hope this information helps you find peace of mind knowing that one of your most valuable assets is protected. We've tried to make things as easy as possible for you to feel confident in your decision about which home insurance company to go with.
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