Liberty Mutual Renters Insurance Review

#4 in Renters Insurance

 

Liberty Mutual founded in 1912 is a recognized leader in the insurance industry. It is the second-oldest and third-largest renters’ insurance company in the country. It is a top property insurer in the United States offering renter’s insurance in all 50 states. It offers flexible renter’s insurance programs giving homeowners the chance to add optional insurance items for a more personalized plan. Liberty Mutual covers a wide range of standard and additional items for a more comprehensive answer to renter’s insurance.

 

Company Profile

BBB Ratings

A+

States Served

50

Age of Company

103

AM Best Ratings

A

 

Types of Structure Covered

Liberty Mutual extends this protection for people renting in an apartment, condominium, townhouses and single- family homes. It offers comprehensive coverage against loss or damage to property. However, benefit limits and coverage may vary according to individual policies.

Apartment

Yes

Condominium

Yes

Townhouse

Yes

Single-family House

Yes

 

Plan Details

Liberty Mutual gives clients mobile access to their policy, receive electronic paper policy, automatic payment deposit and withdrawals.

Policy Delivery Time

24 hours

Automatic Monthly Withdrawal

Yes

Claims automatic deposit

Yes

Paper Policy Statement

Yes

Mobile access

Yes

Sample Policy

 

 

Coverage & Protection

 

Liberty Mutual offers property damage and personal injury coverage along with home accidents, theft and fire. Additional coverage is available for people searching for more personalized protection.

 

Personal Injury

Yes

Property Damage

Yes

Theft

Yes

Fire or Lightning

Yes

Vandalism

No

Windstorm or Hail

No

Accidents in your home

Yes

Injury caused by pets

No

Impact by a Vehicle

No

Freezing or plumbing system

Yes

Business Personal Property

No

Computers

Yes

Firearms

Yes

Jewelry

Yes

Silverware & Goldware

No

 

Discounts

Liberty Mutual gives various discounts for loyal clients, claim-free history, multi-policy, sprinklers, burglar alarm and exclusive group savings. However, discounts are not available for homes equipped with a fire alarm.

Claim-free History

Yes

Multi-Policy Discount

Yes

Fire alarm discount

No

Sprinklers Discount

Yes

Burglar Alarm Discount

Yes

Other discounts

Exclusive Group Savings

 

Help, Support & Usability

Liberty Mutual offers a coverage calculator, online quotes, online claiming, 24-hour telephone claim service, live chat and FAQs. This gives clients easy access to its professional support services for quick claim reports.

 

Coverage Calculator

Yes

Online Quotes

Yes

Online Claims

Yes

24-hour Telephone claims

Yes

Telephone Support

Yes

Email

Yes

Live chat

Yes

FAQs

Yes

 

Renters Insurance at Liberty Mutual

The company stands out from the competition simple because of the amount and quality of coverage it offers its clients. It gives a good range of discount options for renters searching for a bargain without sacrificing the amount of coverage they have in their policy. Another are that Liberty Mutual excels is its customer support services. With is 24 hour telephone hotline and online chat support, clients will be happy to know that a representative will be there to hear their claims.

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