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Liberty Mutual Car, Home & Renters Insurance: Ratings, Discounts and Coverage

Liberty Mutual prides itself on working on behalf of its policyholders, not its stockholders. This has been true since Liberty Mutual was first launched as the Massachusetts Employees’ Insurance Association (MEIA), back in 1912. Today, Liberty Mutual says its purpose is to help people embrace today and confidently pursue tomorrow. Liberty Mutual has operations around the world, and says it is committed to providing insurance products and services to meet the needs of individuals, families and businesses.

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What discounts does Liberty Mutual offer?

Everyone likes to save money, and Liberty Mutual knows that. In order to make insurance coverage more affordable, Liberty Mutual offers a variety of discounts for customers.

Car Insurance discounts from Liberty Mutual

  • Multi-Policy Discount: Customers may be eligible for a discount if they bundle auto and home insurance policies with Liberty Mutual.
  • Preferred Payment Methods Discount: Liberty Mutual offers savings to customers who pay their bills in full and those who choose an automatic payment method.
  • New to Liberty Mutual Vehicle Discount: Customers can save money on their Liberty Mutual policy by adding or changing a vehicle.
  • Vehicle Safety Features Discount: Liberty Mutual offers savings on auto insurance for owning a vehicle with safety features such as standard anti-theft and anti-lock brakes, or the innovative adaptive cruise control, lane departure warning and collision preparation systems.
  • Hybrid Vehicle Discount: If you insure a hybrid car with Liberty Mutual, you could save money on your policy.
  • Multi-Car Discount: You also can earn a discount by having multiple cars listed on the same Liberty Mutual policy. Liberty Mutual also says that this is a great way to minimize the hassle of managing auto insurance.
  • Teen Driver Discount: Teens insured by Liberty Mutual may be rewarded with discounts for safe driving.
  • Good Student Discount: Students who are under the age of 25 and have a B average or better are eligible for special savings from Liberty Mutual.
  • New Graduate Discount: Liberty Mutual offers a discount on auto insurance for recent graduates.
  • Newly Married Discount: Newlyweds also are able to receive a discount on Liberty Mutual auto insurance.
  • Newly Retired Discount: New retirees can receive a discount on their auto insurance with Liberty Mutual.

Home insurance discounts from Liberty Mutual

  • Multi-Policy Discount: Having more than one policy with Liberty Mutual could qualify you for additional savings.
  • Claims-Free Discount: Liberty Mutual offers savings on a new home policy if customers have not filed a claim with their previous insurance company for at least five years.
  • Protective Devices Discount: Homes with protective devices such as smoke alarms, deadbolts, fire extinguishers, fire alarms, burglar alarms or sprinklers are eligible for a discount from Liberty Mutual.
  • Newly Purchased Home Discount: Liberty Mutual offers savings to anyone who has recently purchased a home.
  • Safe Homeowner Program: Liberty Mutual customers who remain claims-free for three years are eligible for a discount on their home insurance premium.
  • Early Shopper Discount: If you request a quote from Liberty Mutual before your policy with another carrier expires, you could be eligible for savings.
  • Insured to Value Discount: If you insure 100 percent of the costs to replace your home, Liberty Mutual may offer you a discount.
  • New/Renovated Home Discount: Liberty Mutual offers customers special savings for homes recently built or those that recently have undergone a substantial renovation.

What coverages does Liberty Mutual Insurance offer?

Liberty Mutual offers add-on car insurance coverage and protection. You can see Liberty Mutual’s optional add-on coverages below.

Towing & Labor: Liberty Mutual’s optional add-on towing and labor coverage that gives you access to roadside assistance.

Mexico Car Insurance: You can extend your Liberty Mutual car insurance coverage to cover you while in Mexico with this optional add-on.

Rental Car Reimbursement: If you need a rental car while yours is being fixed after a covered loss, Liberty Mutual’s rental car reimbursement helps you pay for the cost of a rental car.

Gap Insurance: Liberty Mutual offers auto loan/lease gap insurance coverage you can add to your Liberty Mutual car insurance policy. If your car is totaled, gap insurance covers the difference in the value of your car and what you owe on your car.

Original Parts Replacement: Liberty Mutual offers original parts replacement coverage so that if your car needs repairs from a covered loss, you can ensure your car will receive original manufacturer parts when it’s repaired.

Teachers Car Insurance: This car insurance coverage is an add-on coverage for teachers that offers protection for your car while on school grounds.

Additionally, Liberty Mutual has benefits that drivers can earn over time including accident forgiveness and new car replacement.

Liberty Mutual homeowners insurance coverage options

Liberty Mutual offers many add-on coverages to extend protection on your home and personal property on your Liberty Mutual homeowners insurance policy. Optional add-on coverages offered by Liberty Mutual include:

Personal Property Coverage: You can insure your valuable items with Liberty Mutual’s personal property homeowners insurance coverage. Valuable items you can insure with this coverage include engagement rings and jewelry, antiques, artwork, collectibles, silverware and more.

Inflation Protection: Liberty Mutual offers inflation protection, which automatically adjusts your homeowners insurance coverage limits when you renew your policy to match inflation.

Water Backup and Sump Pump Overflow: Liberty Mutual offers this coverage option to protect your home if it experiences water damage that’s a result of drain or sump pump overflowing.

Below is a list of the many other insurance products that Liberty Mutual offers.

Liberty Mutual Insurance FAQs

Is Liberty Mutual an A-rated company?

Liberty Mutual earned an A.M. Best rating of A.

What is Liberty Mutual better car replacement?

Liberty Mutual offers Better Car Replacement coverage that you can add to your Liberty Mutual car insurance policy for an additional cost. If your car is totaled, Better Car Replacement gives you coverage to replace your car with one that is one model year newer than yours with 15,000 miles less than the one you have.

Does Liberty Mutual have accident forgiveness?

Liberty Mutual offers Accident Forgiveness as an optional coverage you can add to your car insurance policy if you qualify. With Accident Forgiveness, your car insurance rates won’t go up after your first accident. To qualify, you must be accident and violation free for five years, regardless of if you’ve been with Liberty Mutual for the full five years or another insurance company.

Does Liberty Mutual have a cancellation fee?

If you want to cancel your Liberty Mutual insurance policy, the process is different in every state and there could be fees depending on your state’s insurance regulations.

More about Liberty Mutual

Liberty Mutual’s website is a great place to learn more about Liberty Mutual’s insurance offerings, make a payment, submit a claim, access 24/7 support and more.

Liberty Mutual’s mobile app allows customers direct access to everything Liberty Mutual has to offer. With the Liberty Mutual Mobile App, users can view Liberty Mutual policy documents and auto insurance ID cards, pay bills, update auto or home coverages and go paperless.

Coverage Compass by Liberty Mutual helps customer to understand the details of their Liberty Mutual insurance coverage. Coverage Compass can explore customer policies to identify potential gaps. It also can suggest additional coverage options so customers can have peace of mind and know exactly where their coverage with Liberty Mutual stands.

What states does Liberty Mutual Insurance do business in?

Liberty Mutual Insurance sells car insurance in 45 states and Washington, D.C., homeowners and renters insurance in 40 states and Washington, D.C. and motorcycle insurance in 50 states and Washington, D.C.. See the state Liberty Mutual Insurance sells in below and click the link to see how Liberty Mutual Insurance compares to the other top companies in that state.

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