Compare Liberty Mutual vs. Pemco Renters Insurance

What’s the difference between Liberty Mutual Renters Insurance and Pemco Renters Insurance? See how our editors compare the two companies below.
Last Updated: April 19, 2018
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Liberty Mutual
8.1 / 10 - Excellent
#6 in Renters Insurance
Pemco Renters Insurance
8.8 / 10 - Excellent
#3 in Renters Insurance
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Key Facts

  • "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
  • Mobile app
  • Instantly get a quote online
  • Flexible pricing
  • 24/7 assistance

OVERALL RATINGS

 Liberty MutualPemco
Financial Strength9/109/10
Coverage8/109/10
Pricing & Discounts8/108/10
Customer Experience7/109/10

Coverage Compared

 Liberty MutualPemco
Basic Coverage
Personal Property
Personal Liability
Personal Property
Personal Liability
Loss of Use / Additional Living Expenses
Property Valuation Methods
Replacement Cost
Actual Cash Value
Replacement Cost
Actual Cash Value

Exclusions

Damage from natural disasters like floods and earthquakes is not covered.

Pricing & Discounts

 Liberty MutualPemco
Policy Discounts
Multi-Policy
Claim-Free
Claim-Free

Customer Experience

Customer Ratings

 Liberty MutualPemco
BBB Rating
A+
A+
Number of BBB Positive Reviews
12
1
Number of BBB Neutral Reviews
3
Number of BBB Negative Reviews
223
3

National Association of Insurance Commissioners

 Liberty MutualPemco
NAIC Complaint Ratio 2016
12.77
0.0
NAIC Total Complaints 2016
90
0
*The NAIC 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.
*The NAIC complaint ratio (in this case 0.0) 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

 Liberty MutualPemco
Underwriter
Liberty Mutual Holding Company, Inc.
PEMCO Mutual Insurance Co.
Standard & Poor's Financial Rating
A
Moody's Financial Rating
A2
AM Best Financial Rating
A
B++
Company Type
Underwriter
Underwriter
*The above information reflects the financial strength of the underwriter of the Liberty Mutual renters insurance policies: Liberty Mutual Holding Company, Inc..
*The above information reflects the financial strength of the underwriter of the Pemco renters insurance policies: PEMCO Mutual Insurance Co..

Contact & Additional Information

 Liberty MutualPemco
Homepage URL
Company Phone
(800) 290-7841
(800) 467-3626
Headquarters Address
175 Berkeley Street, Ninth Floor, Boston, MA
1300 Dexter Ave North, Seattle, WA, 98109
Year Founded
1912
1949

Final Verdict

Pemco Renters Insurance has a higher overall rating than Liberty Mutual Renters Insurance. Pemco scores better than Liberty Mutual across: Coverage, and Customer Experience. Both companies score similarly on Financial Strength, and Pricing & Discounts.


Customer Comments & Reviews

Angelica H
North Hollywood, California
6/6/2017
Pemco Renters Insurance review
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