Liberty Mutual Homeowners Insurance vs. Guardian Disability 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 →Guardian Disability Insurance
Guardian Life
4.5
All 50 states. A++ rated. Group + individual policies. Long-term specialist.
Full review →WealthSpott Verdict
Guardian Disability 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
Guardian Disability Insurance
WealthSpott Rating
3.9 / 5
4.5 / 5 Best
Coverage Type
Home Insurance
Disability Insurance
Avg Annual Premium
~$1,976/yr Best
—
AM Best Rating
A
—
J.D. Power Score
790 / 1000
— Best
Mobile App Rating
—
—
Liberty Mutual Homeowners Insurance
Guardian Disability Insurance
Pros
- Available in all 50 states
- A++ AM Best financial strength
- Group and individual policies available
Cons
- Application process can be slow
- Premiums above average for individual plans
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