Liberty Mutual Home Insurance
Liberty Mutual provides a wide assortment of property-related insurance products, so you have latitude to choose whether you want only home insurance or other policies, such as renters insurance, condominium insurance, and personal liability protection. You can also choose several of these policies and get discounted prices. This flexibility is welcome, especially if you have multiple residences or want to cover the residence of a loved one, say, a parent's home.
Liberty Mutual's website is very helpful and easy to navigate. It is complete with information to help you along the way. You can also get a free quote or find an agent near you right from the homepage. Although these tools are helpful, they are fairly basic and better versions can be enjoyed on the sites of other top home insurance providers.
Many Liberty Mutual customers are impressed by the affordable rates, especially when combined with other policies, according to consumer review sites like Epinions. However, many noted that rates were often increased at some point. Customer perspectives are mixed when it comes to customer service. Some enjoyed quick and helpful service while others said they had to deal with slow and frustrating encounters with Liberty Mutual's representatives. However, customer service can be reached through many channels including by phone, email, or fax, which is a positive.
Advantages and Disadvantages
Known for their affordable rates, you get excellent coverage for a fair cost.Plans typically cover your home, additional structures on the property, and your possessions in the event of a fire, theft, severe storm damage, and freezing pipes, among other situations. Liberty Mutual has done their homework. They know what their customers are looking for, and what is necessary to protect their property at all costs. Discounts are available, particularly for those who use Liberty Mutual for more than one type of coverage. Plans can be tailored to meet the needs of a wide array of different customers. Liberty Mutual's Home Insurance Benefits are included on all standard policies, adding great value to a policy, and protecting your investments without an additional cost.
Unfortunately, rates are subject to increases at certain points.Customer service can sometimes be tricky.
Prices and Fees
Liberty Mutual strives to remain competitive in the industry, and they are well regarded for offering great service and coverage for great prices. Different discounts and savings are offered, and overall, home insurance with this company is a great value.
Very committed to serving their customers, they offer multiple ways to get in contact, ensuring support is not hard to reach. In addition to 24-hour support for any, and everything, Liberty Mutual also offers 24-hour emergency repair, in which the company will dispatch a representative to assist you in the event of a qualified emergency. Although they are known for great service most of the time, they have had their fair share of complaints from customers who have had to wait for extended periods of time. This, however, is far from being a deal breaker.
Tools and Apps
- The Liberty Mutual Mobile App enables customers to access their accounts and policy info, pay their bills, and reach a claims representative if they need to. The app also works to assist you in collecting data, such as photos, and creating voice notes in an effort to document the damage.
- Additionally, the Home Gallery app they offer, separate from the Liberty Mutual Mobile app, is an awesome tool for keeping an inventory of all of your personal valuables.
- Customer service can be reached via phone 24-hours daily, or by email or even Twitter.
Overview of Liberty Mutual Homeowners Insurance Plans
Home Coverage: This is the coverage that protects your home plus the other structures on your property, for instance, a garage or a freestanding tool shed, should there be damages and/ or loss situations such as a theft, fire, storm damage, frozen pipes, etc.
Personal Possessions: In the event a covered loss occurs, and your personal possessions end up damaged or lost, we will take care of repairing or replacing them. This includes furniture, appliances, and your clothing.
Additional Living Expense: If a covered loss event happens, and as a result you have to live elsewhere in the time being while repairs are being completed, this covers the additional expenses you'll be faced with to avoid further burden on your life.
Additional Coverage for Valuables: This is coverage you can add on to further protect your valuables in the event you own items of high value, like fine art, expensive electronics, expensive jewelry, rare collectibles, etc.
Liability: Should someone get injured accidentally or has their property damaged on your property, Liberty Mutual will defend claims against you and cover the cost of any such resulting claims (to your policy limits) with liability coverage. This will also cover the costs of medical expenses, regardless of fault, to your purchased limit.
Inflation Protection: An additional cost that adjusts your policy limits to match the rate of inflation. Should you purchase this, you will receive a discount on your premium.
Several Discounts Are Available
Liberty Mutual offers many different discount options, as they strive to stay competitive while offering an economical range of coverage for homeowners. Discounts are offered for those who take part in more than one service from Liberty Mutual, being an early shopper when getting quotes on new policies before your existing one ends, and if you've not had any claims for the past five years, among others. Other discounts are available based on the status of your home, like the Protective Devices Discount, the New/ Renovated Home Discount, the Newly Purchased Home Discount, and the Insured to Value Discount.
What to Consider
The thing with Liberty Mutual is that it's all good. Simply, the services are great. The coverage is excellent. Your get great coverage, great customer service, and your home will be protected for an excellent value. You may experience the occasional flub here or there, but overall, you'll never have to worry about the legitimacy of your homeowners insurance.
Verdict - Superb
Many insurance companies provide home insurance, but Liberty Mutual underwriters get the business of property insurance. Yes, they get it. The company understands what it takes to not only protect policyholders' properties but also to prevent the kind of risk events that could cause substantial losses and structural damages to the house.
Liberty Mutual is solid in every way, and however you slice it, the coverage, cost, and offerings are excellent. They are acutely aware of what their customers are looking for, and they have a keen understanding of what it takes to offer the kind of insurance for homeowners that allows for peace of mind, secure protection, and the versatility today's homeowners are looking for when it comes to safeguarding their property. This is a company you cannot go wrong with!