Liberty Mutual Homeowners Insurance vs. Farmers Homeowners Insurance
Side-by-side comparison · Updated 2026 · Independently reviewed
Liberty Mutual Homeowners Insurance
Liberty Mutual
3.9
Avg ~$1,976/yr. Highly customizable. Inflation Protection. New purchase discounts.
Full review →Farmers Homeowners Insurance
Farmers Insurance
4.0
Avg ~$2,300/yr. Eco-rebuild option. Declining deductible. Local agent network.
Full review →WealthSpott Verdict
Farmers Homeowners Insurance wins on more measurable categories. Liberty Mutual Homeowners Insurance may still be worth a quote depending on your location and coverage needs — premiums vary widely.
Feature
Liberty Mutual Homeowners
Farmers Homeowners Insurance
WealthSpott Rating
3.9 / 5
4.0 / 5 Best
Coverage Type
Home Insurance
Home Insurance
Avg Annual Premium
~$1,976/yr Best
~$2,300/yr
AM Best Rating
A
A
J.D. Power Score
790 / 1000
793 / 1000 Best
Mobile App Rating
—
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Liberty Mutual Homeowners Insurance
Farmers Homeowners Insurance
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