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I am very dissatisfied with my Rental Insurance policy. There were many fraudulent claims placed on my account that I was never made aware of over a three year renter's policy. I was placed on hold several times and sent to many voicemails when trying to fix the situation. Would not recommend to anyone.
I found out that even though I have full replacement coverage, they take the price you paid then depreciation. So... The 17" MacBook Pro I bought in 2009 and have my receipt for $2600 they will replace it with a similar model BUT they depreciate it until you have no way to pay to replace it UNLESS you use your own money to purchase a new one and turn in the receipt... Then they pay you back the amount of the depreciation.
What if I don't have any money or credit card? They discontinued the 17" MBP I paid $2600 for. The new ones have 13" and 15" screens and now cost $1200. I thought I would be able to take the $2600 and purchase a 27" iMac (my eyes are bad) for $1200 and have enough from the $2600 to buy a iPad Pro. Adding up took less than $2600. Ok was happy for one day until "similar model" is how you are renursed - a tiny laptop worth $1200. My $800 design software was lost as well. Bottom line - I'm screwed because I'm poor. This is true for the TV - sofa - lampshades - air purifier, etc... Ok have to buy it with own money first - and I live paycheck to paycheck.
My civil war era coverlet worth $1200-$3000 isn't covered at all because of fine print regarding antique-irreplaceable items. They depreciate that back to 1865 - which makes it worthless. So I must just keep damaged items and not be able to replace anything deemed ruined. I'm going to get nowhere near enough to even replace the basics like a sofa or TV, and this is because I'm poor. Poor people are not poor by choice - I sat and sobbed after getting off the phone with my agent.
I am telling everyone who has any sort of insurance policy with Liberty Mutual. I lost everything in my storage unit that was deemed damaged from hurricane Harvey according to my apartment manager. They are not covering me for anything and lost so much stuff in my storage unit. I'm have absolutely nothing good to say about this company! And I am not one for trashing any company but when I have a $100k policy and they won't cover $800 loss I am going to tell everyone because this is not right. There was serious mold over every item in my storage unit. I even sent them pictures and all they said was my policy doesn't cover it.
I had a lot of problems with other companies in the past. The last company I was with had super very high fees and I has to leave them. But, Liberty Mutual have the best coverage and you can pay monthly or day by day for a very cheap price. Receiving a Claim was one of the most easy things to do with them. I had a claim done in minutes of calling, I did have to wait some time after but it worked for the best. They had my problem resolve in minutes. I would recommend this.
The representatives at Liberty Mutual help as much as they are able to. However, the upper management blocks their ability to follow through with the contracts by forcing customer service representatives to use the loopholes they implemented. They will refuse or hold off processing based on technicalities. It was a struggle to force to go forward with my claim even with proper documentation. Their policy options are great. However, you are only covered until a claim is needed. Make sure you keep copies of your original agreement to refer to if a dispute arrives. If they actually covered what they agreed to cover then the coverage would be great. But if the coverage is fake, none of that matters when it's claim time!
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Customer service is always friendly and professional. They are so helpful and knowledgeable. I am so happy with all the service I have received from them. My claims have always been handled quickly like it was their own claim they were trying to get through. They work their hardest to make sure that you are taken care of and to treat you like family. They work hard to make sure they find the best option to suit your needs so that you're not paying for more than you need and you're not inadequately covered. The coverage is exceptional. It meets all my needs and then some without me having to worry about it breaking the bank. A great company offering great coverage.
The workers are very nice and they take the time to go over all the details. I would definitely recommend it to any of my friends and family members. They have so many policies to choose from. Great prices and it is worth what you pay for. Their coverage is awesome. I am very happy that I am covered in every way that fits my family situation.
I have experienced very good customer service while dealing with this company. They are always available to answer any questions I may have. This company has very many policy options to fit a wide variety of needs. They are very helpful in helping you choose which one is exactly right for you. Their coverage is very comprehensive although it is somewhat expensive.
The employees were phenomenal. They made sure I understood the complete ins and outs of the policy I had chosen. They answered all my questions thoroughly. The employees explained everything extremely thoroughly with filing a claim process. They were very helpful. They offered many different coverage options in which the employees worked to find the best coverage option for me and my property. The whole process was super easy and it didn't take long to find the right coverage.
Customer service was absolutely great. Always willing to ensure that all of my concerns and issues were always addressed and made me feel like they valued me and my family's business. Claims process was smooth and unproblematic. In what usually can be a frustrating experience, they ensured that everything was done swiftly, accurately and fair. They offered great policy options for all different types of people to use. Whether you were looking for something to cover a lot or just a little, they offered many different types for you to choose from. The coverage was phenomenal. It ensured that everything we had in our apartment was covered in case or any fire, theft, or any other unforeseen tragedy that could bestow a family unexpectedly.
Liberty Mutual Renters Insurance expert review by Matthew Brodsky
Liberty Mutual is one of the oldest insurance companies in America, founded in 1912. Liberty Mutual covers renters in all 50 states.
Free online quote: The company's website offers and easy to use form to obtain an immediate quote.
Local agents: Liberty Mutual offers a website search tool to find a local agent for in-person service.
Renters insurance calculator: This free online tool will help calculate the value of belongings. Many renters undervalue their possessions and this tool helps to clarify how much coverage would be ideal.
Claims-free savings: Liberty Mutual offers a discount to policyholders who have not made a claim, even with their previous insurance company, in the past five years.
Spanish language site: The Liberty Mutual website is available in Spanish and Spanish-speaking customer service representatives are also available.
Best for: Renters with personal property, renters with high risk and renters who sublet.
Liberty Mutual Renters Insurance Company Information
- Company Name:
- Liberty Mutual Renters Insurance
- Year Founded:
- 175 Berkeley Street
- Postal Code:
- United States
- (800) 344-0197