Compare Allstate vs. Liberty Mutual Renters Insurance

What’s the difference between Allstate Renters Insurance and Liberty Mutual Renters Insurance? See how our editors compare the two companies below.
Last Updated: January 17, 2018
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Allstate Renters Insurance
10.0 / 10 - Excellent
#1 in Renters Insurance
Liberty Mutual
8.1 / 10 - Excellent
#6 in Renters Insurance
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Key Facts

  • Over 84 years of industry experience
  • Protect your belongings in & out of your apartment
  • As low as $4 a month if bundled
  • Covers fire, theft or vandalism
  • Offers guest injury protection
  • Get an online quote or talk to an agent
  • "A" (Excellent) financial strength ratings
  • A-rated and accredited by the BBB
  • Protect valuable items at home and on the go
  • Discount options and add-ons available
  • Round-the-clock online claims processing

OVERALL RATINGS

 AllstateLiberty Mutual
Financial Strength10/109/10
Coverage10/108/10
Pricing & Discounts10/108/10
Customer Experience10/107/10

Coverage Compared

 AllstateLiberty Mutual
Basic Coverage
Personal Property
Personal Liability
Loss of Use / Additional Living Expenses
Personal Property
Personal Liability
Optional Coverage
Scheduled Coverage
Identity Theft Restoration
Property Valuation Methods
Replacement Cost
Actual Cash Value
Replacement Cost
Actual Cash Value

Exclusions

Certain types of property, including jewelry, have a maximum for the dollar amount paid out. However, this limit can easily be increased with higher premiums.
Damage from natural disasters like floods and earthquakes is not covered.

Pricing & Discounts

 AllstateLiberty Mutual
Annual Premium
Starting at $252
Deductible Options
$250, $500, $1,000
Maximum Liability Coverage
$500,000
Property-Level Discounts
Burglary Protected
Fire Protection
Policy Discounts
Multi-Policy
Automatic Payment
Claim-Free
Senior / Retired
Multi-Policy
Claim-Free

Customer Experience

Customer Ratings

 AllstateLiberty Mutual
TrustPilot Rating
6.1 out of 10
BBB Rating
A-
A+
Number of BBB Positive Reviews
2
12
Number of BBB Neutral Reviews
4
3
Number of BBB Negative Reviews
150
223

National Association of Insurance Commissioners

 AllstateLiberty Mutual
NAICS Complaint Ratio 2016
0.84
12.77
NAICS Total Complaints 2016
175
90
*The NAICS complaint ratio (in this case 0.84) is a ratio of the number of complaints a company received to the its total premiums written in a calendar year. The median complaint ratio across all companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.
*The NAICS complaint ratio (in this case 12.77) is a ratio of the number of complaints a company received to the its total premiums written in a calendar year. The median complaint ratio across all companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

Financial Strength Ratings

 AllstateLiberty Mutual
Underwriter
Allstate Insurance Company
Liberty Mutual Holding Company, Inc.
Standard & Poor's Financial Rating
AA-
A
Moody's Financial Rating
Aa3
A2
AM Best Financial Rating
A+
A
Company Type
Underwriter
Underwriter
*The above information reflects the financial strength of the underwriter of the Allstate renters insurance policies: Allstate Insurance Company.
*The above information reflects the financial strength of the underwriter of the Liberty Mutual renters insurance policies: Liberty Mutual Holding Company, Inc..

Contact & Additional Information

 AllstateLiberty Mutual
Homepage URL
Company Phone
(877) 810-2920
(800) 290-7841
Headquarters Address
2775 Sanders Rd, Northbrook, IL, 60062
175 Berkeley Street, Ninth Floor, Boston, MA
Mailing Address
P.O. Box 660598, Dallas, TX, 75266
Year Founded
1931
1912

Final Verdict

Allstate Renters Insurance has a higher overall rating than Liberty Mutual Renters Insurance. Allstate scores better than Liberty Mutual across: Financial Strength, Coverage, Pricing & Discounts, and Customer Experience.