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Liberty Mutual Insurance Review 2021
Liberty Mutual is recognized as the sixth-largest auto insurance company in America. It provides excellent car and home insurance policies with various personal and commercial insurance policies to choose from. Liberty Mutual is a holistic insurance company that caters to multiple insurance needs of Americans. It’s a one-stop insurance company that you can rely on.
Liberty Mutual reviews and ratings
- Customer satisfaction ratings are average.
- Gets fewer complaints to state regulators regarding home and auto insurance than other companies relative to its size.
- Offers rideshare insurance in most states.
Libery Mutual Insurance Rating
4.0
Liberty Mutual is rated 4.0-stars for its well-rounded over-all performance in providing auto and home coverages in the US. We assess Liberty Mutual’s rating by looking closely at its policy premiums, financial stability, the satisfaction of handling a claim, generous discounts, and complaint data from the National Association of Insurance Commissioners. Upon examining these facets, we saw Liberty Mutual as one of the country’s dependable insurance companies.
Liberty Mutual Car Insurance Coverages and Features
| Liberty Mutual Car Coverage Options | Description |
|---|---|
| Accident Forgiveness | Liberty Mutual forgive one at-fault accident and will not increase your rate. However, this coverage is not applicable in California, and policies may vary in every state. |
| New Car Replacement | If you totaled your car within the first 15,000 miles use, the company would replace your depreciated car with a new car. |
| Upgraded Car Replacement | Liberty Mutual will replace your totaled car with a better one regardless of the mileage and years of use. |
| Deductible Fund | If you have your car repaired at a shop approved by Liberty Mutual, you will be guaranteed a comprehensive service while under the company’s policy. |
| Gap Insurance | Liberty Mutual will pay for the remainder of your loan or lease in case your car is totaled. |
| The Right Track Program | Using this application will entitle you to a discount. Liberty Mutual will track your attitude behind the wheel and assess your safe driving behavior every 90 days. |
Liberty Mutual Teacher’s Auto Insurance Coverage
| Liberty Mutual Teacher’s Car Insurance Coverage | Description |
|---|---|
| Vandalism Loss Protection | If your vehicle were vandalized on school property or during school events, no deductible would reflect on your policy. |
| Personal Property Coverage | If, in any case, your teaching materials or school-property items are stolen or damaged while in your vehicle, Liberty Mutual will compensate up to $2,500. |
| Collision Coverage | If you have been in an accident on the way or from school attending school matters, no deductible will reflect your policy. As for Pennsylvania residents, a $100 deductible will be applied. |
Liberty Mutual Auto Insurance Discounts
- Homeowners Discount
- Early-Bird Discount (acquiring a quote before policy expiration date)
- Active/Retired/Reserve U.S. Military Membership Discount
- The Good Student Bonus / Student Away From Home Bonus
- Hybrid/Electric Car Lease or Ownership Discount
- Safety Car Device Installation Discount
- Accident and Violation-Free Discount
- Multi-Vehicle Policy Discount
- Multi-Policy Discount
- Full-Payment Bonus
- Automatic Payment Discount
- Online Policy Acquisition Discount
- Paperless Discount
- Affiliation Membership Discount
- New Liberty Mutual Client Discount
Liberty Mutual Homeowners Insurance
Liberty Mutual has competitive homeowners insurance policies that feature standard policy coverage and additional coverage selection for customization of your policy.
| Liberty Mutual Home Insurance Policies | Description |
|---|---|
| Identity Fraud Coverage | If, in any case, that you became a victim of identity theft, Liberty Mutual will compensate related costs while providing a counselor to help you gain your momentum back. |
| Inflation Protection Coverage | In the case of inflation, Liberty Mutual will entitle you to rate adjustments upon renewal and discount with your current policy. |
| Valuables Coverage | If your valuables are damaged or stolen, Liberty Mutual will compensate for the loss. |
Liberty Mutual Home Insurance Discounts
- Multi-Policy Discount
- Claim-Free for Five Years Bonus (if under a different company before Liberty Mutual)
- New Home Ownership Discount
- New Roof Discount
- Safety Device Installation Discount
- Liberty Mutual Quote Acquisition Discount (acquiring a quote before your policy from another company expires)
- Full-Cost Home Replacement Policy Discount
- Electronic Payment Discount
- Paperless Discount
Liberty Mutual Customer Satisfaction Assessments
Liberty Mutual is considered as one of the trusted insurance companies in the country. It has comparatively low customer complaints garnered from the National Association of Insurance Commissioners relative to its size for the car, life, and home insurance.
Liberty Mutual’s overall rating in the US is above average with significant consideration to the range it covers across the nation. Here is a comprehensive study from the 2019 J.D. Power Study:
| Assessment Category | MetLife’s Customer Satisfaction Rating |
|---|---|
| Auto Insurance Policy Claim Satisfaction | Fair |
| Auto Insurance Shopping Satisfaction | Fair |
| Home Insurance Policy Satisfaction | Below Average |
| Property Insurance Claims Satisfaction | Fair |
Liberty Mutual’s Digital Platforms
| Digital Platform | Description |
|---|---|
| Liberty Mutual’s Website | Liberty Mutual has a functional website that extends convenience to its clients by providing online bills payment, online claim filing and tracking, and ID cards acquisition. |
| Liberty Mutual’s Mobile Application | Liberty Mutual Application is a useful platform in case of an accident. It allows you to record and capture the scene of the accident. On top of that, it is an easy to navigate app that features online payment, document access, and online claim filing and tracking |
| Quote Acquisition with Amazons Alexa | Liberty Mutual is affiliated with Amazons Alexa to cater to the primary home and auto concerns and get an online quote. |
Liberty Mutual’s Other Insurance Services
- Condominium Insurance
- Motorcycle Insurance
- Renter’s Insurance
- Flood Insurance
- RV and Trailer Car Insurance
- Landlord Insurance
- Boat and Watercraft Insurance
- Business Insurance
- Critical Illness Insurance
Liberty Mutual Coverage with Existing Auto Insurance Requirements
- Umbrella Insurance
- Antique and Classic Car Insurance
- ATV and Off-Road Auto Insurance
Liberty Mutual Client Satisfaction Pros and Cons
| PROS | CONS |
|---|---|
| Liberty Mutual has a wide array of policy add-ons. | Liberty Mutual garnered a high number of complaints compared to other companies. |
| Liberty Mutual gives generous perks to their clients. | Liberty Mutual’s customer satisfaction rating is fair. |
| Liberty Mutual has a functional website and mobile app. |
Insurance Online's Car Insurance Rating and Review Methodology
We commend every insurance company that extends value to customer-first features and operations. The rating we disclose is assessed through weighted averages and scores from several categories: financial stability, customer complaints and satisfaction, transparency of their digital platforms, and competitive pricing.
Moreover, we conduct customer satisfaction surveys to extensively provide reviews and ratings that are dependable and fair. However, it is best to compare several insurance companies to account for your own judgment and needs.
*Insurance Online is not compensated with our ratings and reviews by any insurance companies.
Insurance Online Complaints Methodology
We examine the complaints from state insurance regulators reported to the National Association of Insurance Commissioners (NAIC) between 2017-2019. NAIC extensively calculates the complaint index yearly following each subsidiary to measure the total share of complaints in ratio to the company size.
Liberty Mutual FAQs
What are the steps in reporting fraud with Liberty Mutual?
If you feel like you are a fraud victim, it is ideal to contact your agent and inform them regarding the issue immediately. They will be the ones to ensure that crucial actions are done to resolve the problem.
How can I fully comprehend my auto insurance policy with Liberty Mutual?
If you want to fully understand the kind of policy you acquired from Liberty Mutual, you can simply log in to your Liberty Mutual account online. There, you will find several standard policies, which basically cover everyone under the company and add-ons, which are customized policies you can choose from that suit your lifestyle.
I have been in an accident, many claims that filing online is easier; why?
Filing online is reliable and also easier and faster. All you need to do is log in to your account and click the section that states file online. There, you can provide specific information about the incident and upload photos and videos if there are any.
How can I process my glass repair claim with Liberty Mutual?
You can file your glass repair claim online by providing your policy number, phone number, and information about how your glass was damaged, thus requiring repairs.
How do I access my existing policy and update it with Liberty Mutual?
You can start by logging in to your account; Liberty Mutual’s website features data regarding proof of coverage, policy update, and general inquiries.
Sandra Cruz | Linkedin
Based in Newport Beach, CA, Sandra has been a licensed insurance agent in California and Texas for 5 years and is an editor and writer specializing in all types of insurance matters. Sandra is Insurance Online's authority on auto, home, and business insurance and has been featured in publications such as Forbes, Yahoo! Finance, and US World News Report.