PROS / Liberty Mutual has helpful mobile apps, a full online quote and agents located nationwide.
CONS / Live chat is only available during the online quote process, and the claim payments process is often slower than other ranked services.
VERDICT / Liberty Mutual is a good home insurance provider to consider. They have a wide range of discounts, 24/7 claim service and their policies can be tailored to fit your homeowner insurance needs.
Home is where the heart is, and it's where you live, eat, work, sleep and relax. Buying a home is one of the most expensive investments you'll ever make, so having homeowners insurance that gives you the coverage you need is essential. Our Top Ten Reviews Silver Award winner, Liberty Mutual, has a good selection of policies, price saving discounts and services that help make it one the best home insurance providers available.
Insurance Services Provided
Liberty Mutual provides house insurance in all 50 states and has over 2,300 agents with offices around the country. You can use the agent finder tool on the company's website to find contact information for a local agent. Liberty Mutual offers coverage for traditional single-family homes, as well as policies to cover mobile homes and condominiums. There are even policies to cover a non-commercial farm or ranch.
The online home insurance quote feature is quite thorough and can take longer to complete than our other ranked providers. This isn't a bad thing, as you will get a more detailed summary with the extra questions you answered. During the online quote process, you can call or use the live chat feature to contact a service representative if you have questions or get stuck. The policy you receive the quote for can be purchased online, all without speaking to an agent on the phone. While this is a great benefit for people who want to shop in the middle of the night or who don't want to talk on the phone, you can still contact your local agent to make sure you are getting the coverage you want.
This home insurance provider has some helpful apps for homeowners. The Liberty Mutual Mobile app gives you access to your account, allowing you to monitor and manage your policies, file and track claims, and get in touch with your agent. The Home Gallery app is a great tool that allows homeowners to create a personal belongings inventory. With this app, you can take pictures of your possessions, categorize them and even add descriptions or photos of receipts. This tool can help expedite your claims, as you will have record of your belongings beforehand, rather than having to guess after a disaster happens.
Claims & Customer Service
Shopping for homeowners insurance online isn’t like buying shoes, books or DVDs. Depending on your needs, it can be an intense process that includes filling out forms and taking time out of your day to speak with agents. Fortunately, the Liberty Mutual website does an exceptional job of laying out their assortment of services, including quick claim center access, account management and explanations about topics related to homeowners insurance. You can contact Liberty Mutual by telephone and email, but live chat is only accessible during an online quote.
Liberty Mutual provides 24/7 claim support, which is great because disasters and accidents don't always wait for convenient moments to happen. You can make claims by phone or through your account online. While Liberty Mutual offers good coverage, it is important to note that they often have a longer claim process than other ranked providers. As always, be sure to go over your policy with an agent to determine what is and isn't covered by your policy beforehand and follow their claim procedures to speed up the claim process.
Policy Discounts Available
This home insurance company has a good amount of money saving discounts you can qualify for, including having a claim-free history, newly constructed home or recent renovations. Liberty mutual also gives members a discount for holding their life and auto insurance policies with the company. If you have security and fire alarm monitoring services installed, you can also qualify you for additional savings. You may qualify for other discounts, depending on your home and situation, which you can ask about when you are speaking with a Liberty Mutual agent.
Additional Policies Available
A common misconception by homeowners is that a homeowners insurance policy covers everything in their home. Unfortunately, this is not true. The good news is Liberty Mutual offers additional policies that cover risks like flooding and earthquakes. Windstorm and hail damage are included with most Liberty Mutual policies, but depending on your region and location, you may need to ask your agent if you need to purchase a separate policy.
Liberty Mutual has been providing consumers with a broad range of competitively priced insurance products and services since 1912. With a wide selection of discounts and affordable policies, it is definitely worth getting a quote from this home insurance company.