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Power customer satisfaction score of 3.63 out of 5 based on J.D. Compared to other insurance companies, Liberty Mutual’s score is considered average. To know how well this insurer’s customer service is, you can refer to our chart. Although the company provides affordable insurance policies, it received an average J.D. Power rating, indicating it provides mediocre to poor customer service.
Additionally, if you’re looking for strong digital tools, Liberty Mutual may not be the best carrier. The company received a below-average rating in J.D. Insurance Digital Experience Study for both shopping and service. Detailed rating methodology that we use to objectively score each provider. We then score the provider against our review standards for coverage, availability, customer service, technology, reputation, and additional benefits to arrive at a final score out of 100.
Pros & Cons of Liberty Mutual Homeowners Insurance
The app allows customers to pay bills, file claims, and view coverage information. However, J.D. Power did rate Liberty Mutual as having below-average digital sales and service experiences, despite the app being highly-rated by consumers. Liberty Mutual home insurance, like the company’s auto insurance, is offered nationwide, even in higher-risk states like Florida and California.
Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts. Filing online claims only takes five to ten minutes on the Liberty Mutual official website. It also allows you to file an online claim as a guest if you don’t have an online account or simply don’t want to log in. It covers the actual cash value of your lost items that need replacement.
Liberty Mutual Coverage
The end result was an overall rating for each provider, with the insurers that scored the most points topping the list. This insurance covers any necessary increase in living expenses if you need to live elsewhere during house repairs so you can maintain a normal standard of living. The Guides Auto Team is committed to providing reliable information to help you make the best possible decision regarding insurance for your vehicle. Our researchers, writers and editors are dedicated to investigating providers and analyzing customer feedback and insights so you can choose with confidence. My roof was impacted by epic rainfall from multiple storm time there is rainfall. I followed Liberty Mutual procedures and filed a claim on the website.
Very easy to reach, always someone available to answer questions, more coverage for a lower price than my previous insurance. I switched because the old insurance kept raising prices by a lot. I have a hard time getting another company insure our home as I am in Southern California and back-up to some wild grasslands.
Financial Stability Rating
The sooner you report a theft or damage to your home, the sooner your insurer can assign an adjuster and start working on paying out your claim. Some companies let you file claims online or through their app, while in other cases you may have to call your agent or insurer instead. Scheduled personal property adds coverage to protect specific “scheduled” items, such as artwork. These are belongings that might need additional coverage because standard home insurance policy limits might not be sufficient. Liberty Mutual launched the Personal Auto Customer Relief Fund in 2020, which gave customers a 15% refund on two months of auto insurance to account for pandemic difficulties.
This portion of standard coverage will protect your home from damages caused by wind and hail—not general weather damage. Depending on your state, homeowners may be required to have a separate deductible in their policy. Homeowners have multiple ways to contact customer service, including online, by phone, or via Liberty Mutual’s mobile app. In fact, Liberty Mutual is the third-largest provider of property and casualty insurance in the U.S.
I ran that against the NAIC’s figures to see what the average homeowner is paying for their HO-3 policy in Iowa with coverage in the $200,000-$290,000 range. Easily compare personalized rates to see how much switching car insurance could save you. If your personal items, such as rugs, furniture, and electronics, are damaged due to a covered loss or theft, Liberty will pay out the actual cash value of the property. Limits to the coverage amount can vary depending on your state. Liberty Mutual will provide coverage for your home’s physical structure as well as on your detached property, such as fences, driveways, and sheds. Damage to your home due to severe weather, fire, water , theft, and vandalism will be taken care of by the insurer, whether it’s replacing or repairing damaged structures in question.
Despite this, the company reportedly receives fewer customer complaints than other providers in the industry. Liberty Mutual received a MoneyGeek score of 88 out of 100 based on its user satisfaction, customer complaints, financial stability and affordability ratings. Based on our research, the company has an average customer satisfaction score and receives fewer customer complaints than the industry average.
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Liberty Mutual writes policies for cars, motorcycles, watercraft, ATVs, and RVs, with discounts of up to $947 for bundling home and auto policies. The fact is, even with that pretty hefty discount, my Liberty Mutual premium was still heavier than I’d like. This particular home, for whatever reason, just wasn’t a good candidate for a Liberty Mutual policy. There’s no one-size-fits-all insurance premium quote.
Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Steve Ellis, CPCU, AIC, MBA, is a 30 year veteran of the insurance industry. His experience extends into training, operations, quality improvement, audit, compliance, claims technology, and data & analytics. "Browse home coverage options." Accessed April 29, 2022. Liberty Mutual life insurance protects your loved ones from financial responsibilities after your death.
Can’t get anywhere with any reps. Very rude and unprofessional. Worse experience I’ve ever encountered with Ins company. Liberty Mutual home insurance doesn’t cover mold directly, but it does cover the causes of mold, such as water damage. Getting a Liberty Mutual quote before your policy with another carrier expires. No claims with your previous insurer for five years.
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