All About Liberty Mutual Car and Home Insurance

Liberty Mutual saves drivers who switch an average of $562 a year, making the company's wide selection of coverage options even more attractive.

Cheryl Knight
All About Liberty Mutual Car and Home Insurance

The second-largest car insurance company in the nation, Liberty Mutual Insurance offers home insurance as well. With more than 100 years of business experience, Liberty Mutual has won a variety of awards, including for its coverage options, competitive prices, and outstanding customer service.

In the article below, part 1 describes how Liberty Mutual Insurance compares to its competitors, Part 2 lists the types of car and home insurance that Liberty Mutual provides its customers, Part 3 goes into detail about additional coverage options from the company, Part 4 covers the discounts offered by Liberty Mutual in more detail, Part 5 talks about the states where Liberty Mutual operates, Part 6 discusses the various Liberty Mutual apps, and Part 7 offers Liberty Mutual Insurance’s rating with the Better Business Bureau (BBB) and A.M. Best.

Part 1 of 7: Liberty Mutual Insurance key differentiators compared to other insurance companies

The wide selection of services the company offers is what sets Liberty Mutual apart from its competition. In addition, the insurer touts one of the best-regarded customer service models in the business, including the ability to contact an agent 24/7 over the phone through the company’s customer service center.

By visiting the Liberty Mutual website, you can customize the way you pay your bill with just a few clicks, report and track your claims, and easily see where you have coverage gaps using the company’s Coverage Compass program.

Part 2 of 7: Types of car and home insurance provided by­­­ Liberty Mutual Insurance

Liberty Mutual Insurance’s standard car and home insurance coverage is comparable to what other insurers offer. The following section talks more about the types of coverage the company has.

  • Car insurance types: Standard car insurance Liberty Mutual offers ranges from required state liability minimums to collision and comprehensive coverage required for newer cars. Some of the other insurance types offered include:

  • Bodily injury liability coverage

  • Property damage liability coverage
  • Collision coverage
  • Comprehensive coverage
  • Medical payments coverage
  • Uninsured/underinsured motorist coverage
  • Personal injury protection coverage

  • Home insurance types: Liberty Mutual Insurance also has a variety of standard coverage options for homeowners, such as:

  • General dwelling coverage

  • Other structure coverage
  • Personal belongings coverage
  • Additional living expenses coverage
  • Liability coverage

Part 3 of 7: Coverage options provided by ­­ Liberty Mutual Insurance

Coverage options from Liberty Mutual Insurance allow you to get the insurance you need. You can find the various optional coverage offered by the company below.

  • Car insurance coverage options: Whether you need insurance options that allow for vehicle replacement of rental car reimbursement, Liberty Mutual Insurance has a variety of coverage options to fit your needs, including:

  • New car replacement

  • Accident forgiveness
  • Better car replacement
  • Deductible fund
  • Rental car reimbursement
  • Lifetime repairs guarantee
  • Teacher’s insurance
  • Umbrella insurance

  • Home insurance coverage options: Liberty Mutual Insurance also offers a variety of coverage options for your home insurance, such as:

  • Home Protector Plus

  • Coverage for valuables
  • Inflation protection
  • Umbrella insurance

Part 4 of 7: Discounts you can get through Liberty Mutual Insurance

Liberty Mutual Insurance gives you savings through a variety of discounts on your car or home insurance. The section below lists the discounts available to Liberty Mutual customers.

  • Car insurance discounts: Car insurance discounts from Liberty Mutual Insurance allow policy holders to save money on their car insurance. These offerings include:

  • Multi-policy discount

  • Preferred payment methods discount
  • New to Liberty Mutual vehicle discount
  • Vehicle safety features discount
  • Hybrid vehicle discount
  • Multi-car discount
  • Teen driver discount
  • Good student discount
  • New graduate discount
  • Newly married discount
  • New move discount
  • Newly retired discount

  • Home insurance discounts: When it comes to home insurance, Liberty Mutual customers can take advantage of the following discounts to save money.

  • Multi-policy discount

  • Claims-free discount
  • Protective devices discount
  • Newly purchased home discount
  • Safe homeowner discount
  • Early shopper discount
  • Insured to Value discount
  • New/renovated home discount

Part 5 of 7: States in which you can find Liberty Mutual Insurance

Liberty Mutual Insurance operates in 50 states, including the District of Columbia. The only state the company does not offer insurance in is Florida. To get a quote from Liberty Mutual Insurance, visit the company website.

Part 6 of 7: Available Liberty Mutual Insurance apps and programs

Liberty Mutual Insurance also has a few apps and other programs to make searching for competitive rates easier, track your personal belongings, and simplify interaction with Amazon’s Alexa voice technology tool. The following section goes into detail what these apps and programs can offer you.

  • Liberty Mutual Mobile App: With the Liberty Mutual Mobile App, customers can pay their bill, update their coverage, and make a claim, all via their mobile device.

  • Home Gallery App: The Liberty Mutual Home Gallery App can help you track your belongings for your homeowners insurance personal belongings coverage. Catalog items according to room or category, import photos of items from your phone, and note the purchase price of items in your inventory.

  • Amazon Alexa Skill for Liberty Mutual program: The Amazon Alexa Skill for Liberty Mutual program improves the functionality of Amazon’s Alexa voice technology tool. Get estimates with the Guestimator tool and receive advice on problems with your car or in the home.

Part 7 of 7: BBB and A.M. Best ratings for Liberty Mutual Insurance

Some other resources for checking the credibility of Liberty Mutual include the BBB and A.M. Best. According to the BBB, Liberty Mutual Insurance has an A+ rating, signifying that the company responds well to customer complaints.

Liberty Mutual Insurance also has an A.M. Best A rating, meaning the company has a stable financial outlook, making the company a safe investment for your money.

With superior customer service and affordable rates, Liberty Mutual Insurance has a lot to offer potential customers. Whether you are interested in the company’s many insurance options or seek to use one of their helpful apps, Liberty Mutual Insurance provides the insurance coverage that you need to protect your home, car, or personal belongings.

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