TopTenREVIEWS - Gold Award - Awarded for excellence in design, usability and feature set

TopTenREVIEWS Gold Award winner Liberty Mutual combines professional design and above-average industry standards with ease of use and scrupulous service. The professionalism, service and high level of detail depicts why this site has topped our list of online homeowners insurance (HOI) sites. They do an outstanding job of providing a wide range of services and a selection of insurance options sure to meet the needs and expectations of a variety of shoppers.

Services
8.5/10
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Liberty Mutual
Progressive
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American National Property & Casualty
8.5
8.5
7.7
6.2
8.5
7.5
6.2
8

Homeowners insurance doesn’t just represent the homeowner with the house and the white picket fence. Although it does symbolize that particular homeowner, it also embodies those individuals who own condominiums, townhomes and even renters. This is why it is essential a company provides insurance for a variety of homeowners. This is another reason Liberty Mutual is one of the best online sites for homeowner’s insurance.

They offer a large selection of insurance coverage for homeowners, renters and condominium owners as well as personal liability protection, flood insurance and identity fraud expense. The company also offers insurance for life and auto. This can prove to be extremely helpful when shopping for the most inexpensive policy because deeper discounts are offered when you have multiple policies with one company.

Designing a site to provide this vast selection of services gives consumers the convenience and information to shop, research and become more knowledgeable about home insurance at their own pace. It gives them the confidence to feel educated when shopping other companies.

Ease of Use
9.4/10
Compare
Liberty Mutual
Progressive
Allstate Insurance Company
COUNTRY Financial
American Family Insurance
State Farm Insurance
Erie Insurance
American National Property & Casualty
9.4
9.4
9.4
10
2.5
2.5
1.9

Shopping for homeowners insurance online isn’t like buying shoes, books or CDs. It’s an intense process that involves research, detail and sometimes lots of questions. This site is designed to take you effortlessly from topic to topic, and still answer your questions and give you the tools to research the different types of insurance and the underwriting company. The design is simple, clean and gives all types of online shoppers the search tools to find what they are looking for quickly and easily. The Liberty Mutual site provides a variety of helpful tools for you to conveniently get all your questions asked without the hassle of contacting the company.

Even with the detail of their online quote form, the clarity of questions was superior and the length of the form was very manageable. This is very helpful for the consumer and grants a sense of confidence that the quote you get online will closely match what you will get from an agent.

Industry Ratings
9.6/10
Compare
Liberty Mutual
Progressive
Allstate Insurance Company
COUNTRY Financial
American Family Insurance
State Farm Insurance
Erie Insurance
American National Property & Casualty
9.6
9.2
8.8
8.1
8.3
8.7
8.2
9.2

A company that meets and exceeds industry standards is key to consumer confidence. Receiving high industry ratings from well-known associations like J.D. Powers and A.M. Best suggest to the consumer that this company is of the highest quality and confirms their standard for superior products and service. They received an A with A.M. Best Rating showing their financial strength. These high ratings show financial stability and the company’s commitment to their borrowers.

 

Help & Support
10/10
Compare
Liberty Mutual
Progressive
Allstate Insurance Company
COUNTRY Financial
American Family Insurance
State Farm Insurance
Erie Insurance
American National Property & Casualty
10
10
10
10
10
10
5
2.5

Consumers want a site that is professional, trustworthy, thorough and upfront with their information and quotes. This site does an exceptional job of laying out the assortment of services that include quick claim center access, complete online quote form, account management, learning center, explanations on homeowner’s insurance, telephone and email support, online chat, in-depth FAQs and the ability to search for a local agent.

Another feature that is very important to have for consumers is online account management. This allows you the convenient option of being able to pay bills online, view policy information and report and track claims as well as make policy changes. Having this available to customers is an easy way to get the information you want any time of day without having to be on hold over the phone or wait for something in the mail.

Liberty Mutual Summary:
9.4/10

Liberty Mutual has been providing consumers with a broad range of competitively priced insurance products and services since 1912. In this time, they have developed better and better products priced to meet the needs of all types of HOI shoppers, while maintaining a high level of customer service. To see just how competitively priced they are, check out their services and fill out their online quote form. You will find quality and professionalism every step of the way.

 
 
 

Liberty Mutual

Pros
Liberty Mutual offers full-range account management along with a comprehensive list of insurance options.

Cons
Policy rates are a little higher than others.

The Verdict
: 9.4/10

Their customer service and high standards make them the perfect choice for any home owner.