About Liberty Mutual Renters Insurance
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Buyer Beware do not buy this insurance. I put in a claim this year. Boy was l heartbroken when l found out it had changed to 500.00 deductible. I had been paying for this particular policy for 5 years. This year l cancelled the policy. You have been warned.
I have had this insurance for several years. I occasionally request a quote from other companies but I am still getting the best price. I have not needed to use it yet so I cannot commit on the customer service.
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Liberty rental insurance is comprehensive and reasonable priced. I have not had to use the rental insurance luckily but I have been with Liberty for many years for rental and car insurance so I am confident if needed it would be excellent.
I have had a renters policy with Liberty Mutual for over 10 years, great coverage at a really good price. Luckily have not had to ever file a claim, but I have the utmost confidence that in the event that I did have to file a claim, that they will take care of me promptly.
Heartless company! I have been with you guys since 2017. I don't have the option to cancel my auto-pay, or even delete the bank information online. The only option you have online is to change the payment information. You keep charging an acct that already returned the payment. The charge resulted to overdraft 2x! The $18.25 resulted to $70!!! and this corona scare is making it difficult for people to work! You can't even do anything! Washing your hands about overdraft! I understand the 1st was my fault, but I tried correcting it. I went online to try to change it but nothing was there. I accepted the $35 overdraft for $18.25 but to do it 2x in a month is simply absurd!
You know the money was returned bec of insufficient funds. Why do it again? March 4 you tried charging me, it was returned same day. Another charge you attempt on March 16. I contacted your chat support and you guys are washing your hands about "you couldn't see it in your system". It's impossible. The timeframe I understand but since March 4 to March 16 you still don't see it was returned? So how come your company tried to charge me again March 16 without my authority to do so. Now, I am stuck with $70 overdraft. Yes, I called my bank, but they couldn't do anything bec they don't have control on how many times you will try to keep on charging me. You can't do anything about the charge of overdrafft? You can at least put that money on the insurance bec that's more than 3x my monthly!
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!
Liberty Mutual Renters Insurance author 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.
Liberty Mutual Renters Insurance Company Information
- Company Name:
- Liberty Mutual Renters Insurance
- Year Founded:
- 175 Berkeley Street
- Postal Code:
- United States
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