Liberty Mutual Homeowners Insurance
Liberty Mutual
3.9
Avg ~$1,976/yr. Highly customizable. Inflation Protection. New purchase discounts.
Editorial score
3.9 / 5
Product type
home insurance
Our take
Liberty Mutual offers one of the most customizable homeowners policies with optional add-ons for inflation protection, water backup, and earthquake. Note: above-average complaint ratios compared to peers, so best for homeowners who want to tailor coverage exactly.
Is this right for you?
Sign up (free) and we'll tell you if this product fits your specific budget and goals.
Check my fit →Takes 2 minutes · No credit check
Full details
| best for | Homeowners who want to build a fully custom policy |
| am best rating | A |
| jd power score | 790 |
| headline metric | From ~$165/mo |
| home value tier | standard |
| secondary metric | Highly customizable policy |
| states available | All 50 states |
| bundling discount | up to 23% |
| avg annual premium | 1976 |
| avg monthly premium | 165 |
| discount highlights | New home purchase, claims-free, multi-policy, smart home, early shopper |
Frequently asked questions
What should I compare besides premium for Liberty Mutual Homeowners Insurance?
Look at coverage limits, deductibles, exclusions, and customer service reputation. The cheapest quote is not always the best value if coverage is weaker.
Is Liberty Mutual Homeowners Insurance right for me?
Liberty Mutual offers one of the most customizable homeowners policies with optional add-ons for inflation protection, water backup, and earthquake. Note: above-average complaint ratios compared to peers, so best for homeowners who want to tailor coverage exactly.
Related guides
Verified Apr 2026
Liberty Mutual Homeowners Insurance