Liberty Mutual Home Insurance provides homeowners with coverage designed to protect their homes, personal belongings and financial interests against covered losses. Its homeowners policies can include dwelling coverage, other structures coverage, personal property coverage, personal liability protection and additional living expenses. These coverages can help with eligible costs related to damage to the home, belongings, covered liability claims and temporary living expenses when a covered loss makes a home uninhabitable.
One of Liberty Mutual's key advantages is the ability to customize homeowners coverage based on a property's specific needs. In addition to standard protections, customers may be able to add optional coverage for risks such as service-line failures, home systems and appliance breakdowns, and water backup. Availability depends on the state and policy.
Liberty Mutual also offers a variety of discounts. Eligible customers may receive savings for bundling multiple policies, buying coverage online, having a new or renovated home, installing a new roof, using automatic payments or choosing paperless billing. The company currently advertises potential savings of more than $950 when eligible customers bundle home and auto insurance, although actual savings depend on individual circumstances and state availability.
Customers can request a homeowners insurance quote online by entering their ZIP code and information about their property. Liberty Mutual also provides access to local agents for customers who prefer assistance when selecting coverage. The company's digital resources allow policyholders to manage their insurance and access information about their coverage.
Homeowners should remember that standard insurance does not generally cover flood or earthquake damage. Separate policies or endorsements may be necessary for these risks. Premiums also vary based on the home's location, rebuilding cost, claims history, deductible, coverage limits and other underwriting factors.
