Is Liberty Mutual Renters Insurance the right fit for you?

1 more

Advertiser Disclosure

Last Updated: 03/31/2026

Liberty Mutual Renters Insurance

in Renters Insurance from Liberty Mutual

Last Updated: 03/31/2026

Visit Site

Strongly recommended10 total votes

10 users recommend

Cast Your Vote

Compare All Renters Insurance

Filter & compare all your options in one place.

View All Products

Highlights

Community Rating

Strongly recommended

Financial Strength Rating

A(Verified 04/18/2025)

Disclaimer popup with additional information

Home and Renters Insurance Riders

Earthquake Coverage
Valuable Items
Identity Theft Protection

Home and Renters Insurance

Guest Medical Protection
Renters Liability Coverage
Personal Property Protection
Reimbursed Living Expenses

Number of Reviews

Liberty Mutual Renters Insurance Review

Liberty Mutual Renters Insurance is an insurance carrier based in Boston, MA. The company was founded in 1912 and offers renters insurance in 49 states (and Washington, DC).

Liberty Mutual Renters Insurance FAQ

What is the financial strength rating of Liberty Mutual Renters Insurance?

The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies. SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.

Liberty Mutual Renters Insurance scores an A or excellent financial strength rating, which is SuperMoney's second highest available score.

What types of coverage does Liberty Mutual Renters Insurance offer?

Renters insurance includes a wide range of coverages. One of the best ways to save money on your policy is to only pay for the coverage you need. Liberty Mutual Renters Insurance offers the following types of renters insurance coverage:

Guest Medical Protection:

This helps visitors who are injured on your property. It can help cover the necessary medical expenses in an accident, regardless of who's at fault. Medical expenses covered usually include costs like ambulance rides, X-rays, surgical procedures, and hospital stays. Note that guest medical coverage doesn't apply to anyone who lives in the home or is listed on your policy.

Personal Property Protection:

This insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them.

Reimbursed Living Expenses:

This coverage reimburses the insured for the cost of maintaining a comparable standard of living following a covered loss that exceeds the insured's normal expenses. For example, it could include an insured's motel bill while fire damage to the home is being repaired or replaced or until the insured moves to a permanent residence.

Renters Liability Coverage:

If a claim is made against you or you are sued as a result of a covered occurrence, your renters personal liability coverage can help to cover the associated legal costs and related damages. For example, if a visitor accidentally trips and falls in your apartment and breaks a leg, your renters insurance policy may be able to help protect you.

Liberty Mutual Renters Insurance customers can also add the following riders or endorsements to their renters insurance policies:

Earthquake Coverage:

This covers some of the losses and damage that earthquakes can cause to your home, belongings, and other buildings on your property.

Identity Theft Protection:

This rider protects homeowners in the event of identity fraud and pays for the cost of restoring their identity.

Valuable Items:

Valuable personal property coverage protects items such as expensive collections, engagement rings, watches, and other jewelry from theft, loss, or damage.

How can you save money on a Liberty Mutual Renters Insurance renters insurance policy?

When you ask for a quote with Liberty Mutual Renters Insurance, make sure you ask for all the discounts you qualify for. These are the property-specific discounts currently available.

Alarm System.
Fire Extinguisher in the Home.
Home Monitoring System.
Smoke Detectors.

Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with Liberty Mutual Renters Insurance.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message from our editor

What we love about Liberty Mutual Home and Renters Insurance

Liberty Mutual is the fourth largest insurer in the United States, meaning you can get coverage from the company from almost anywhere in the United States. The company offers coverage for both individuals and businesses, making it a good choice for small business owners who want to protect themselves and their business.

The company has a huge number of discounts available which can help people save money on their coverage. For example, you can get a discount for:

Bundling multiple policies
Not having a claim with your previous insurer for five years or more
Owning home security devices
Insuring a new or recently-renovated home
Staying claim-free for three years
Requesting a quote before your other policy expires
Insuring 100% of your home’s value

What could Liberty Mutual Home and Renters Insurance do better?

One of the main drawbacks of Liberty Mutual’s home and renters insurance policies is that the company has received more complaints than you’d expect for a company of its size and that it has a reputation for below-average customer service.

When you’re dealing with insurance, you want to work with a company that has good customer service so you can get the help that you need.

Liberty Mutual Home and Renters Insurance’s backstory

Liberty Mutual is an American insurance provider that operates across the globe. The company is based in Boston, Massachusetts, and is one of the largest companies in the United States.

The Verdict

Liberty Mutual can be a good choice of insurer, especially if you can qualify for some of the discounts that it offers. However, there isn’t anything particularly amazing that means you shouldn’t shop around. Consider it as a potential insurer, but make sure you compare policies from other companies to get the best deal.

Contact

Headquarters

175 Berkeley Street

Boston, MA 02116

(844) 629-8984

Visit Site

Email Support

Hours of Operation

Sunday

Closed

Monday

8:00AM - 6:00PM

Tuesday

8:00AM - 6:00PM

Wednesday

8:00AM - 6:00PM

Thursday

8:00AM - 6:00PM

Friday

8:00AM - 6:00PM

Saturday

Closed

Other Services by Liberty Mutual

Boaters Insurance

Rating not yet determined (1 Review)

17 Reviews

Be the first to rate

12 Reviews

8 Reviews

Mobile Home Insurance

Be the first to rate

Motorcycle and ATV Insurance

Rating not yet determined (3 Reviews)

Personal Watercraft Insurance

Be the first to rate

Specialty Homeowners Insurance

Be the first to rate

Umbrella Insurance

Rating not yet determined (1 Review)

SuperMoney Net Recommendation Score

SuperMoney users strongly recommend this product, giving it a user recommendation score of +100, or 5 on a 5-point rating scale.

+100

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Liberty Mutual Renters Insurance Community Reviews

Would you recommend Liberty Mutual Renters Insurance to your friends?

Sarah M.

Nov 30, 2023

May or may not recommend

Good awesome renter solution you provided to me. Thank You

Anonymous

Jun 24, 2023

May or may not recommend

I absolutely love having liberty mutual for my insurance company

Benjamin A.

Jan 22, 2021

May or may not recommend

Getting the perfect fit for your insurance needs can be difficult. With Liberty, you have nothing to worry about. They cover a wide variety of risks, which is very helpful. But in all of this, the major thing I like about them is their trustworthiness and customer service. Many of my friends and families are Liberty's customers, and they all speak well of the company. Highly recommended

Khaila J.

Jan 15, 2021

May or may not recommend

As a young homeowner, I find Liberty Mutual has my best interest at heart as an Insurance company. I love having the Option to Bundle my policies together so I can make sure that I'm covered for anything. Which came In handy when I had a relative slip and fall In my driveway kicking in the Guest medical protection. They also have property discounts for smoke, fire, and home monitoring ...Show More

Edwin K.

Jan 2, 2021

May or may not recommend

When it comes to insurance , finding the best fit for you can be tasking. Liberty Mutual is the closest coverage that has your interests' at heart .I hold Liberty Mutual at high esteem since they have been in business for a long time with little to no concerns.They cover a variety of risks which I found was a guiding light during the dark times.

Lee M.

Nov 28, 2020

May or may not recommend

Liberty Mutual's customer service is top-notch in my book. They are a highly rated company that has been around a long time. I have had their renters insurance for 3 years and I am happy with the price and coverage. Some of the standard offerings are: Replacement of personal property such as furniture, clothing, electronics and valuables (up to a certain amount); coverage of a guest's medical bills if they're ...Show More

Jacob O.

Nov 17, 2020

May or may not recommend

I am very picky when it comes to insurance. And in this day and age with the riots and other unpleasantness of that sort being a relative normal now, I started to worry about my coverage. I wish I only had to worry about the usual coverage, Health, Vehicle etc. Etc. But with the rash of craziness relatively close to where I live it was time to look into renters ...Show More

Rebecca S.

Oct 24, 2020

May or may not recommend

I've heard so many stories in the past of people having their apartments broken into and valuables stolen, or losing everything they have to a fire. When I moved into my new condo, I wanted to make sure that I was protected. I got awesome discounts from Liberty Mutual and I love the fact that their insurance covers everything from valuables to identity theft and even covers medical if anyone ...Show More

Kimberley A.

Oct 16, 2020

May or may not recommend

They give very great discounts on their policies and I had the opportunity of choosing from a wide array of policies and also bundling them. They are thorough and give the best comprehensive coverage for an affordable cost. Excellent customer service

Roger M.

Oct 8, 2020

May or may not recommend

This site gets immediately to a crucial point concerning any provider --- its financial strength needed to meet contractual. obligations. Renters Insurance is of growing National interest and urgency as the American population ages, bringing a steady shift from home ownership to apartment rentals. Liberty Mutual's addresses these and related matters in ways easy to read and understand.

Showing 10 of 10 reviews