LIVE
30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·
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Home insurance review

Liberty Mutual Home Insurance Review (2026)

Liberty Mutual earned 4.1 / 5 in our 2026 review. Best for: discount stacking, inflation protection. Here is the full breakdown.

By the Fintiex Insurance Desk · Updated 2026-05-02
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Key stats
Annual premium
$1,300 to $1,700
AM Best
A
JD Power
797 / 1000
Bundling discount
Up to 20%
States available
All 50 states
Flood coverage
Separate policy
Digital experience
Good
Fintiex rating
4.1 / 5
Pros
  • +Inflation protection automatically adjusts dwelling coverage
  • +Numerous discounts including claims-free, new home, and paperless
  • +Blanket jewelry and valuables coverage option
  • +Home protector plus endorsement for extended reconstruction costs
  • +Strong online quotes available in minutes
  • +New home discount for homes less than 10 years old
Cons
  • -JD Power customer satisfaction below industry average
  • -Some policy exclusions reported as broader than competitors
  • -Premium increases at renewal can be significant in high-risk states

Coverage available

DwellingOther structuresPersonal propertyLoss of useLiabilityMedical payments

Liberty Mutual includes the six standard parts of a home policy. Flood and earthquake coverage are excluded by default, which is industry standard. Add them as separate policies if you are in a high-risk zone.

Best for

Liberty Mutual is the right pick if you prioritize discount stacking, inflation protection. It earns top marks for claims process. If you do not match this profile, compare against the other top picks on our home insurance hub.

Overview

Liberty Mutual carries an AM Best financial strength rating of A, which matters more in home insurance than almost any other line. When a hurricane, wildfire, or hail storm hits a region, claims can spike fast. A well-capitalized carrier pays them. A weak one can struggle. The carrier writes policies in All 50 states and is best known for discount stacking, inflation protection.

Premiums for a typical $300K single-family home, $250K dwelling, and a $1,000 deductible run $1,300 to $1,700 per year with Liberty Mutual. That puts the carrier around the middle of the home insurance market. Of course, premium varies sharply by ZIP code, home age, roof condition, claims history, and credit.

On customer satisfaction, Liberty Mutual scored 797 on the latest JD Power US Home Insurance Study. That puts it below the industry average. The digital experience is rated good.

How to get a Liberty Mutual quote

Getting a quote from Liberty Mutual takes about 10 to 15 minutes online. You will need your home address, year built, square footage, roof type and age, and an estimate of the dwelling replacement cost. Most carriers also ask about prior claims in the last 5 years and your current insurance status.

  • Visit the Liberty Mutual home insurance page
  • Enter your address, home details, and coverage info
  • Pick coverage limits (set dwelling to replacement cost, not market value)
  • Review the quote and apply bundling and other discounts
  • Bind the policy online or speak to an agent
Start a Liberty Mutual quote

Frequently asked questions

Is Liberty Mutual home insurance worth it?
Liberty Mutual earned 4.1 out of 5 in our 2026 review. It carries an AM Best rating of A and a JD Power home insurance satisfaction score of 797 out of 1,000. Best for: discount stacking, inflation protection.
How much does Liberty Mutual home insurance cost?
Average premiums range from $1,300 to $1,700 per year for a typical $300K single-family home with $250K dwelling coverage and a $1,000 deductible. Your rate depends on home age, construction, claims history, ZIP code, and credit.
Does Liberty Mutual cover floods and earthquakes?
Standard Liberty Mutual policies exclude flood and earthquake damage, which matches industry standard. You will need a separate flood policy through NFIP or a private insurer. Earthquake coverage is available as a separate endorsement in most states.
What does a standard Liberty Mutual home policy cover?
Standard coverage includes: Dwelling, Other structures, Personal property, Loss of use, Liability, Medical payments. Most policies include personal property at 50 to 70 percent of dwelling coverage and liability at $100K to $500K.
Will I save by bundling Liberty Mutual home with auto?
Yes. Bundling can save you about 20 percent on both policies with Liberty Mutual. Always run the numbers against two standalone quotes to confirm the bundle wins.
Is Liberty Mutual available in my state?
Liberty Mutual writes home policies in all 50 states.

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Takes about 10 minutes. No commitment to bind.

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