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Liberty Mutual Renters Insurance

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Liberty Mutual Renters Insurance

Updated: Aug. 14, 2018

Ranked 9th of 9 renters insurance with a Quid Score of 74.

Buy Now Leave a Review

Liberty Mutual Renters Insurance

Ranked 9th of 9 renters insurance with a Quid Score of 74.

Product Details

Product Details

Ranks 9th overall.

Other Information
  • Online Quote: Yes
  • Available Discounts: Multi-Policy, Claims-Free
  • Additional Information: N/A
  • Other Products Offered: Car, Motorcycle, Boat & Watercraft, Antique & Classic Car, ATV & Off-Road Vehicle, Umbrella, Vehicle Service Plan, Homeowners, Renters, Condo, Landlord, Mobile Home, Flood, Life, Accident Insurance, Critical Illness, Identity Theft, Pet, Tuition, Small Business
  • Customer Service System: Agent
  • Property Catalog System: Yes
  • Online Portal / Smartphone App: Yes
Policy Information
  • Loss of Use: $8,000 - 20%
  • Additional Coverage: $10,000 for Water Backup, $5,000 for Mold
  • Off-Premise Coverage: Yes - 100%
  • Add On Availability (Floater): Yes
  • Actual Cash Value or Replacement Value: Both Available
Key Product Information
  • Type: Renters Insurance
  • Jewelry Cap: $2,500 total and $1,000 per piece
  • Annual Premium: $287
  • Deductible As Low As: N/A
  • Liability Protection: $100,000
  • Minimum Coverage Amount: $15,000

Expert Rating: 79%

Ranks 5th among competitors.

Expert Rating: 79%

Ranks 5th among competitors.

Watch: A Photographer’s Quest for Renters Insurance

Experts like that Liberty Mutual renters insurance is available in almost all of the U.S., including the high-claim areas that some other companies don’t insure. Experts also approve of the discounts available for multi-policy or long-standing, claim-free customers. Experts find the premiums to be higher than average.

Full Expert Breakdown
  • Premium Rates - Above average
  • Jewelry Cap - Average
  • Electronics Cap - Average
  • Agent Knowledge - Above average
  • Agent Responsiveness - Above average
  • Loss of Use - Average
  • 24/7 Support - Yes
  • Standout Information - Coverage Calculator
  • Number of Customer Complaints - Below Average
  • Financial Strength - High
Notable Positives
  • Comprehensive geographical coverage
  • Good endorsement and discount opportunities
  • Renters insurance coverage calculator
  • Inflation protection
Notable Negatives
  • Higher than average premiums
Full Expert Breakdown
  • Premium Rates - Above average
  • Jewelry Cap - Average
  • Electronics Cap - Average
  • Agent Knowledge - Above average
  • Agent Responsiveness - Above average
  • Loss of Use - Average
  • 24/7 Support - Yes
  • Standout Information - Coverage Calculator
  • Number of Customer Complaints - Below Average
  • Financial Strength - High

Customer Rating: 77%

Ranks 7th among competitors.

Customer Rating: 77%

Ranks 7th among competitors.

Watch: My Take on Liberty Mutual Insurance by Edwanda J

Customers like the coverage provided by Liberty Mutual and how easy it is to understand the company’s policies. Overall, customer service is responsive and helpful when filing a claim. Some customers complain that claims take too long to be paid out and do not cover mold.

Ideal for people:

First timers or established renters seeking a reputable company with strong customer satisfaction.

Not ideal for people:

Those wanting an "online-only" experience.

Notable Pros:
  • Great coverage
  • Great customer service
  • Range of policies
Notable Cons:
  • Long claim process
  • Policy does not cover water + mold damage

Brand Score: 78%

Ranks 6th among competitors.

Brand Score: 78%

Ranks 6th among competitors.

Since 1912, Liberty Mutual has provided insurance plans covering Americans in the auto, home, and personal categories. The company is dedicated to helping its policy holders live “safer, more secure lives.” Liberty Mutual offers bundle plans across multiple types of insurance, and gives instant insurance quote estimates on its site. Today, it’s the 3rd-largest property and casualty insurer in the U.S.

Heritage - 5/5

Liberty Mutual was founded in 1912.

Innovation - 4/5

The Liberty Mutual app allows customers to connect with Liberty Mutual on the go, while the Home Gallery app offers a home inventory system that helps catalog personal belongings.

Reliability - 4/5

Liberty Mutual makes it possible to file a claim or contact customer service through its social channels, with separate Twitter and Messaging accounts for this purpose. The company also has 3 phone numbers to call.

Social Good - 4/5

The Liberty Mutual Foundation provides grants to help non-profits that focus on empowering families and individuals enduring challenging situations primarily in Boston, Seattle, and Dallas.

Relevance - 3/5

In partnership with How Stuff Works, Liberty Mutual’s #MasterThis initiative provides tools and tips detailing everything from conquering a car repair to gearing up for winter.

Retail: Best Price $287.00

Ranks 9th in value among competitors.

Retail: Best Price $287.00

Ranks 9th in value among competitors.

Liberty Mutual makes it relatively easy to secure a quote online. A Quote ID number allows inquiring users to access their online quote at any time. Local agents are available for follow up.

Best Purchase Options
Liberty Mutual - $287.00
Best Purchase Option
Liberty Mutual - $287.00

Ranked by Quiddity

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