Liberty Mutual Home Insurance is one of the oldest options on the market, operating since 1912, with a strong presence in property protection and accident coverage. With an A (Excellent) financial strength rating from AM Best, this company may be exactly what you’re looking for to bring more comfort and peace of mind to your home.
Main Coverages
Liberty Mutual’s standard home insurance policy includes:
- Dwelling coverage (the structure of your home)
- Other structures on the property (garages, fences, etc.)
- Personal property coverage
- Additional living expenses (Loss of Use)
- Personal liability and medical payments to others
This way, you can rest assured you’re covered for both property damage and incidents involving your family. It also offers extended protection beyond the structure itself, helping with additional costs when needed.
In addition, Liberty Mutual offers a range of optional coverages, including:
- Guaranteed Replacement Cost (full rebuild coverage)
- Replacement Cost for personal property
- Blanket Jewelry (coverage for jewelry with no appraisal required)
- Water Backup
- Inflation Guard
- Loss Assessment
- Identity Theft Protection
- Mobile home, short-term rental (Airbnb), and other add-ons for an extra cost
Advantages
Liberty Mutual Home Insurance goes beyond basic coverage to offer real advantages. If you’re looking for a well-rounded home insurance option, check out these standout benefits:
- Customizable coverage, with great add-ons like automatic inflation adjustment and guaranteed repairs
- Wide variety of discounts, including bundling, early quotes, and home security systems
- Nationwide availability, with a hybrid digital experience (online + local agents)
- Positive ratings for claims handling and customer support
