Last Updated: 03/31/2026
Liberty Mutual Umbrella Insurance
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in Umbrella Insurance from Liberty Mutual
Last Updated: 03/31/2026
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Highlights
Financial Strength Rating
A(Verified 04/18/2025)
Liberty Mutual Umbrella Insurance Review
Umbrella insurance is another name for liability insurance. It is designed to protect your assets when you are hit with a lawsuit judgment. Another name for it is "excess liability coverage." Umbrella insurance policies protect you when the liability coverage of your auto insurance, home insurance, or boat insurance is insufficient.
Liberty Mutual umbrella policy FAQ
Does Liberty Mutual offer an umbrella insurance policy?
Yes, Liberty Mutual offers policyholders an umbrella insurance policy. Read below how Liberty Mutual compares to other insurance carriers
How does a Liberty Mutual umbrella insurance work?
Let's say you are at fault in a serious car accident. The cost of the damages is $500K. However, your auto insurance liability coverage limit is $300k. If you have an umbrella insurance, it will kick in so you don't have to pay the balance out-of-pocket after your auto insurance policy maxes out.
Where does Liberty Mutual umbrella policy do business?
Liberty Mutual umbrella policy is an insurance carrier based in Boston, MA. The insurance company was founded in 1912 and offers umbrella coverage policies in 47 states (and Washington, DC).
What types of umbrella insurance policies does Liberty Mutual umbrella policy offer?
Liberty Mutual umbrella policy provides the following protections:
- Serious bodily injury liability -- Say a guest falls on your property and requires surgery. The cost may exceed your homeowners insurance liability limits.
- Landlord liability -- If a tenant sues you for damages while renting your property and the cost exceeds the liability limits provided by your specialty homeowners insurance.
- Property damage -- Your umbrella insurance policy also helps if you are at fault in an auto insurance accident and the damages exceed your auto insurance liability limits.
- Slander or libel -- Umbrella coverage can also provide coverage if you are sued for something you wrote or said.
- Malicious prosecution -- If you are counter-sued for wrongfully prosecuting someone, you can be left holding an expensive legal bill that a personal umbrella policy can cover.
What minimum liability coverage does Liberty Mutual require before approving an umbrella insurance policy?
Most insurers will not allow you to buy an umbrella insurance policy unless you first purchase a substantial amount of liability coverage on your homeowners and car insurance policies. Liberty Mutual requires you to have at least $250,000 in liability insurance before they will grant you an umbrella insurance policy.What level of liability coverage can you get with Liberty Mutual umbrella policy?
Most insurance companies set a minimum of $1 million in coverage. Liberty Mutual offers umbrella insurance policies starting at $1,000,000 up to $3,000,000.How much does Liberty Mutual umbrella insurance cost?
The cost of your umbrella insurance policy will vary depending on your risk profile. Your umbrella coverage premium will probably range between $150 and $300 per year.
Your risk profile depends on factors like your net worth, where you live, your credit history, and your driving record. Owning a dog or vehicles that could damage others, such as a jet-ski or a snowmobile, can also increase your policy premium.
Does Liberty Mutual offer policy discounts on their umbrella insurance policies?
Liberty Mutual offers the following discounts.
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Insurance companies add and change the discounts they offer regularly. Check whether you qualify for any other discounts when you apply.
What is the financial strength rating of Liberty Mutual umbrella policy?
The financial strength rating of an insurance company scores its ability to pay contracts and umbrella insurance 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 umbrella policy scores an A or excellent financial strength rating, which is SuperMoney's second highest available score.
How to apply for Liberty Mutual umbrella insurance?
- Visit the Liberty Mutual website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
- Check the information is accurate and submit your application.
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.
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
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SuperMoney Net Recommendation Score
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Liberty Mutual Umbrella Insurance Community Reviews
Would you recommend Liberty Mutual Umbrella Insurance to your friends?
U
Anonymous
May 18, 2020
May or may not recommend
The umbrella policy has a lot of bad exclusions. For example, does not cover if you let someone else drive your car. Also, if damages are "related to violation of criminal law" or"illegal drugs" - So if a druggie steals your car and crashes it, umbrella excludes it. Does not cover property damage to property you own. Example, your car accelerates in garage and damages garage. Also does not cover ...Show More
Showing 1 of 1 reviews
Other Services by Liberty Mutual
Boaters Insurance
Rating not yet determined (1 Review)
Car Insurance
15
2
17 Reviews
Flood Insurance
Be the first to rate
Homeowners Insurance
5
6
12 Reviews
Life Insurance
5
2
1
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
Renters Insurance
10
10 Reviews
Specialty Homeowners Insurance
Be the first to rate