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Liberty Mutual
Home Insurance

Smart Score

78

Industry Average: 75

Smart Score

78
/100

Industry Average: 75

Customer Service

8
/10

Industry Average: 7.7

Claims Process

8
/10

Industry Average: 8

Value for Price

7.5
/10

Industry Average: 7

Liberty Mutual Overview

Liberty Mutual is the sixth-largest auto insurer in the US based on direct premiums written. In addition to home and auto insurance, Liberty Mutual offers a vast array of personal and commercial insurance policies. If you’re looking for an insurance company that has accident forgiveness and rewards safe drivers, Liberty Mutual might be the company for you. It’s available in all 50 states, has an amazing, easy-to-use app, and although you might not find the cheapest car insurance quote available, it has an outstanding customer service record.

Lines of Business:

Liberty Mutual Ratings Breakdown

Smart Score

78

Liberty Mutual: 78
Industry Average: 75
Liberty Mutual: 78
Industry Average: 75

Why our Smart Score matters

Liberty Mutual’s Smart Score of 78 was created by combining weighted averages of ratings for customer service, claims process, and value for price from 3rd party sources as well as our own research. We view these as the most important factors since they cover the entire experience of shopping for, maintaining, and making a claim on an insurance policy.


How our Smart Score is calculated

Data comes from customer reviews, officially filed complaints, financial stability data, and other insurance industry rating companies. Combining these metrics and sources provides the most accurate and broad-based analysis of what matters most when considering Liberty Mutual’s overall quality compared to other home insurers. While there is some overlap between our three primary metrics, each has unique characteristics that set them apart from each other.


What does this mean for you?

With a score of 78, Liberty Mutual sits near the industry average of 75. While this metric isn’t the be-all and end-all, it’s definitely a good point of reference when comparing home insurance options.

Customer Service

8

Liberty Mutual: 8
Industry Average: 7.7
Liberty Mutual: 8
Industry Average: 7.7

Our customer service score measures two primary things: user satisfaction when interacting with Liberty Mutual’s representatives, and their experience with online tools like quoting and managing a policy via website or app. Liberty Mutual’s customer service score comes from a variety of places. These include user reviews on Honest Policy, as well as other analytics companies such as JD Power, Insure.com, and Consumer Reports.


What does this mean for you?

As you can see from Liberty Mutual’s service score of 8, they have a solid rating compared to similar home insurance companies, which clock in at an average of 7.7.


With minimal sources reporting customer service data for this company, we can’t calculate the estimated range. Consequently, we’re not certain about the accuracy of this score, but it’s the closest estimate we have.

Claims Process

8

Liberty Mutual: 8
Industry Average: 8
Liberty Mutual: 8
Industry Average: 8

Our claims process score looks at users' experiences when filing claims with Liberty Mutual. It takes into account not only claim outcomes, but also the ease of making and tracking a claim, as well as how fast Liberty Mutual handles it.


Liberty Mutual’s claim score is derived from various sources. These include reviews from Honest Policy users, and outside sources including Consumer Reports, Insure.com and JD Power. We round off our calculation with official complaints filed with the National Association of Insurance Commissioners (which primarily are claim related). These complaints are weighted against the size of each company to ensure an apples-to-apples comparison. This gives our claim score the most complete picture of what to expect when filing a claim with Liberty Mutual.


What does this mean for you?

Evident from a claims score of 8, Liberty Mutual has a reasonable rating compared to the average claim score of 8 for similar home insurance companies.


With minimal sources reporting claims quality data for this company, we can’t calculate an estimated range. Thus, we can’t be certain about the accuracy of this score, it’s just our best estimate.

Value for Price

7.5

Liberty Mutual: 7.5
Industry Average: 7
Liberty Mutual: 7.5
Industry Average: 7

Liberty Mutual’s value score measures customer satisfaction when considering how much they pay versus the quality of their experience when dealing with the company.


How Liberty Mutual comes up with the price of a policy varies by state, and relates to a number of different factors. Some of these include driving record, how much you use your car, location, age, gender, and the car you drive. While price is a critical factor for most insurance customers, what they get for that money is even more important. As with our other scores, this rating comes from a variety of sources: Honest Policy, JD Power, Insure.com, Clearsurance, and Consumer Reports.


What does this mean for you?

Liberty Mutual’s value for price score of 7.5 is excellent compared to the average of 7 from other home insurance companies.

With few sources reporting price value data for this company, we don’t have an estimated range. As a result, we’re not 100% sure about this score. It’s more of an educated guess, so take it with a grain of salt.

Liberty Mutual Home Official Complaints

Official Complaints

Worse than average

Tracks how many more or less official complaints Liberty Mutual has than average. With an index of 1.78 Liberty Mutual is worse than average.


The complaint index comes from two variables for each year and type of insurance.

  • The percentage of how many complaints Liberty Mutual has filed against them with the National Association of Insurance Commissioners (NAIC) compared to the total number of complaints filed with every company.

  • The percentage of how much insurance business (total policy premiums) Liberty Mutual has compared to the total amount of business of all the other companies.

By weighting complaints and business against their totals, and then dividing share of compliants by share of the market, we get the index value. With 1.0 being an average number of complaints, a 0.5 would be half as many complaints. With an index of 1.78 Liberty Mutual is worse than average.

Auto complaints by year (normalized against company size)

Customer Reviews

Liberty Mutual doesn't have reviews yet.

Liberty Mutual availability in these states

Auto
Home

Liberty Mutual Home Discounts

While all companies offer a range of home insurance discounts, it's hard to judge any individual discount's value in a meaningful way. For one, the discounts are typically a percentage off the base price, instead of the whole policy.

What does this mean?

Your best bet is to directly discuss your particular situation with an agent to make sure you're getting all the discounts that you may be eligible for on your auto policy. For reference, we've listed all the discounts we believe Liberty Mutual has below in order to help determine which ones may fit your profile (though keep in mind that they can vary by state).

Available OptionWhat it meansDiscount Data
Advance Quote / Early Signing

One of the easiest discounts to score with some advance planning. Customers can often save simply by quoting and buying their homeowners policy some time (typically at least seven days) ahead of the policy actually going into effect. Keep in mind though that this discount tends to only apply to the first policy term, increasing annual cost after year one.

Boat Safety Course

If the insured can show evidence of passing an approved boating safety course, a discount can apply towards any Watercraft Liability & Uninsured Boaters premium costs.

5% to 10%

Building Code

Generally applies when a home is confirmed to match a particular set of building codes. The rules for what qualifies and by how much vary by insurer and state.

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How does Liberty Mutual compare to other insurance companies? Click the following links below to compare Liberty Mutual to other top insurance companies.

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