Liberty Mutual - Homeowners Reviews

This is the worst homeowner's insurance I have ever dealt with! Liberty Biberty describes it well! They are much more interested in saving a dollar than doing the right thing. Their claims handling is abysmal. They Start off by refuting your claim without even reading their own policy. I had an electrical surge at my home. For 3 weeks, they kept telling me it was not covered because a tree did not fall on my property. I explained numerous times that I was not claiming an electrical loss, but a surge claim that was clearly covered in my policy.

Don't use Liberty Mutual. They insured me for 10 years for home insurance, and then out of the blue cancelled me with no warning, and the reason was a tree too close to the house. It's a small tree not something large or would grow large. They didn't bother to call or say "hey, can you trim that tree back", etc. Nothing, just cancelled. What a crap company. My new provider offers better coverage for less. Now two insurance companies on my "do not consider" list.

This is ongoing. I sent Liberty Mutual a cancellation notice. The property is no longer owned by policy holder, they are actively stealing money from the auto pay account. The humans I spoke to were nice at first and then said they could do nothing but continue taking money. The property has been sold and the policy holder is in a nursing home. They are being asked to stop stealing from a 93yr old widow. And again they could not do anything but continue steal from and old woman. Very glad I did not have to claim anything it is clear they are nothing but Hollywood actors. When a customer asks you to stop your services are are no longer needed, they mean it. My plea to liberty mutual, and GEICO is stop stealing especially from our aging community.

Absolutely the worst year I’ve lived having to try and get this insurance company to do anything for me. After the storms my roof has been doing not great and I was given a laundry list of items from a contractor that looked at my property after the 60mph winds hit my house and messed up my property. Tameka is rude and unreliable and she’s making this the most excruciating experience for me as a young homeowner. Mind you this is my first time ever trying to even use home insurance - but I was under the impression they were supposed to HELP. Not make you a victim of more stress - leaving you stranded and abandoned after basically calling you a liar for having storm damage AFTER A STORM.

If I could give them zero stars, I would. I had them for six months and then out of nowhere, my mortgage went up $1200 and they blame my mortgage company when it was them. Stay far away from this shitty company.

I got their insurance last year for home and auto then they just sent me a letter dropping my homeowners' policy. They never came and looked at my house said there is water damage inside the house which is a lie trees over my house another lie and when I called them they were rude and would not listen

Just tried to raise my premium from $3600 to $6400 without a word of warning or explanation. I see now that I've paid far more than my local average for the last 17 years, and received no discount for loyalty or regular payment. I will be booting this predatory company ASAP.

I am submitting this review to report a very poor customer service experience with Liberty Mutual. This has been the worst experience I have had with any auto insurance company. I have attempted to contact my assigned claims agent multiple times regarding my claim. Over the past two weeks, I left four voicemail messages and never received a return call. I then contacted Liberty Mutual’s main customer service line and was provided with the phone number of the agent’s supervisor. I left a voicemail requesting a callback about my claim, but I have still received no response. Liberty Mutual has been prompt in collecting monthly premium payments, but when I needed assistance with an active claim, both the agent and supervisor were unreachable. This lack of communication and accountability is unacceptable and has caused unnecessary frustration.

Stay away from them! Misleading, dishonest and extremely expensive in comparison to Farmers or State Farm. They send misleading quotes to people, and then you will waste 45 minutes listing all the discounts that they will give you, only to hear quotes that are twice as high as what you have. This company should be out of business!

RUN, RUN FAR AWAY AND DON'T STOP, especially if you're a single female! I have filed a claim with Liberty and have had SEVEN MONTHS of unreasonable delays, denials and unsatisfactory settlements. This was due to internal negligence, lack of communication between their internal departments, lack of communication from management to me, the insured. This claim was mishandled in numerous ways, mainly by inorganization - losing photos and reports repeatedly between the ten claims reps my clam went through, along with so many other issues documented in a 17 page timeline. I do not believe Liberty Mutual investigated this claim thoroughly, properly, timely, fairly, nor did they keep it on track. Their internal incompetence has caused unreasonable delays – it’s been SEVEN MONTHS from the beginning of my claim until now and I have zero repairs completed because of the roof dispute.

After significant storm damage they sent 3rd party adjuster that said we needed new roof. That was pretty obvious to us. They were only willing to pay for some repair which was slightly more than our deductible. The adjuster told us Liberty Mutual, used to be a good company, but now their policy was simply to deny claims. We went to State Farm for around a third the price.

Liberty Mutual and Safeco's conduct appears to be consistent with bad faith insurance practices. I filed a homeowners insurance claim with Liberty Mutual (underwritten by Safeco) for structural damage caused by a major winter freeze. Despite submitting over 40 photos, detailed documentation, contractor estimates, and written explanations, they never sent an adjuster to inspect my property — not even once.

This has been one of the most frustrating and disappointing experiences I’ve had with any company—let alone a home insurance provider. Liberty Mutual confirmed that my home damage was covered, and multiple representatives—along with their own vendors—stated that the water intrusion was not groundwater which. I have already incurred expenses based on their recommendations to identify the root cause: opening my floors and walls (making my main living/sleeping space unlivable for months now).

In October 2024, I purchased a home and during the process, I was receiving quotes from multiple companies for homeowners insurance. Liberty Mutual is one of the companies I contacted. I spoke with a person, gave them a bunch of info and was advised they needed an electronic signature to run my credit report for an accurate quote. I didn't think anything of it, due to having obtained multiple quotes, this was not uncommon. So, I signed the docs, got the quote, told them that I was still shopping around at the moment but I would let them know if I wanted to open the policy.

The cost was a little cheaper but what little they paid left me out of pocket over $30000. That was not the worst of it, I had to fight for everything. After 4 months they have worn me down and I am out. Save yourself from this. The cost was a bit lower, but the amount they paid left me out of pocket by over $30000. That wasn't even the worst part; I had to fight for everything. After four months, I was worn down and decided to walk away. Save yourself the trouble and pay what it takes to hire a reputable company. Pay what it costs to get a good company.

**, Keyla is the worst person you deal with. She has zero experience. I have damage in my home property over $11,000. I am dealing with her over 10 days. In the end she made estimate damage after deductible is only $2.100 after everything. Now I am taking the company Liberty Mutual to the court. Let see how is work. She is terrible adjuster. If you look at her profile photo it's funny doing like model. Anyway beware from this company those has 0 star.

Discounts? Yeah, that's what they claim. I've had my home insured with LM since 2020 and it started off well but since then, they have increased my premium 180%. My home is a 2,300sqft two story on 2 acres in NE Texas, in the country. It was built in 2003 and hasn't had many updates. LM is charging me $10,000 a year as of December 2024. The invoice says this includes Military discount, "inflation protection discount" LOL, multi policy discount (Auto), new roof discount, and 5 other "discounts or benefits". It's all hogwash. This company is nothing but another greedy corporation, who will gladly take food off your family's plate but will scrutinize every aspect of a claim and take months to satisfy.

I had a water leak in my kitchen due to issue with the reverse osmosis system. It leaked all the way through the floorboards into a downstairs room causing damage there as well. Liberty Mutual sent out a remediation team who then proceeded to rip out the flooring, damaged cabinets and put up braces, sticking out over the kitchen sink and island. It has been that way for 11 months. I had to hire a Public Adjuster to help me with my claim.

We live in the high desert of Southern California which is a very dry climate In 2022 we had a series of big rain storms which caused our roof and 3 windows to leak. We had drywall, ceiling and carpet damage. Liberty Mutual covered the interior damage but we had to pay for roof repairs and window replacement. The payment made by them was minimal but they increased our premiums $800 annually. We just received a cancellation of coverage from Liberty Mutual the reason being bad roof, which was fixed at our expense, mold, mildew and moss! We never had any of these things. Moss in the desert! This was our first claim with them since 2017 when we bought this house and chose them. My advice is to go with another Company.

They suck. Will be switching companies. I had a water leak under my deck and rotted the studs and sheathing. I filed a claim. They said a long term leak leading to rot wasn't covered. Hidden or not. I'm like how was I supposed to know it was under the siding and I didn't have any idea until I seen the siding starting to bow out and touched it and was soft behind it. The claim rep said, "Well, you can install water sensors." I'm like in my outside wall? Idk if you can and who would have that anyway. They basically cover fire, stolen property from your home or a plumbing leak if you catch it before rot. Needless to say I'll be finding another company. These guys are a scam.

Horrible customer service and cheating business! Without information, changes made to the policy and charged! They are charging 4 times more than other insurance companies offering! Don’t choose terrifying Liberty!

Working with Liberty Mutual has literally been the worst experience of my life. Our refrigerator water filter failed and we have multiple estimates from contractors ranging from 50,000-60,000. Liberty Mutual estimated the repairs at 20,000 and we are now hiring a “public adjuster” which will cost us 10% of the repair costs ($6,000) which is an out of pocket expense.

My spouse inquired of filing a claim, but then withdrew the claim when contractor stated small job will be under deductible. She withdrew the claim. An insurance adjuster DID NOT inspect. But yet this inquiry remains on our claims filed and counts against us when getting new quotes! Rates have significantly increased with our bundle of auto and 2 properties. We are disputing this claim at LexisNexis and are researching other insurance companies.

This company is total garbage. They spend millions on commercials with emus and goofy mascots and pass that disastrous company policy along to you in the form of 50% price hikes on already overpriced policies state wide for all customers... Even though we live in the second safest city in Ohio and the eighth safest city in America. We were very smart and we went to progressive for our new homeowners policy and literally saved $2,600 a year over the price Liberty was trying to charge us after a 50% increase and no claims against them in over 12 years.

I was a customer with them for over 15 years. I never filed a claim in that time. Last year my policy increased 700 dollars; I didn't notice. This year it increased again on top of that 700 increase almost 1k. I did notice the increase this time and did a quote with another company that was about 2k cheaper and offered me more coverage than I was currently getting with Liberty Mutual. There was no reason for the massive increases. I can understand maybe 100 or so for inflation, but not close to 2k in two years. Like many others, my homeowners insurance is part of my mortgage payment, so unless I'm really paying attention it is easy for them to increase it without notice. I think this is a shady business practice. You should reward loyalty not gouge them.

Terrible customer service and after one year my quotes on home and went up drastically without incident. Then put on hold forever to attempt to cancel policy. Do not waste your time or money with this company.

I called to get a home and auto quote after I got a letter in the mail from my bank saying they partner with Liberty Mutual for a discount. All I gave them was my name and address and he immediately denied me. Said underwriting said it was because of wildfires. I am shocked, the city I live in including the surrounding areas have never ever ever never ever had wildfire issues. This company is crazy. Glad I found out now.

AVOID THIS COMPANY we are elderly. We have been Liberty Mutual customers for 13 years. Our home insurance premium tripled in the past 24 months. And The coverage protection was decreased. This company INCREASED OUR RATE BY 3 times. Our mortgage escrow payments became unaffordable. We ASSUMED everyone was paying more. Our mortgage company (Union Savings Bank) assisted us in investigating the premium charge. The glaring difference was shocking. We have moved to State Farm, saving us >$2000 Liberty mutual is vastly more expensive that the next 6 companies we checked. We will file a complaint with the BBB and the Ohio AG office. This may be just company policy. It may be “because we can” mentality. It’s NOT OK. AVOID LIBERTY MUTUAL INSURANCE.

Just have to say that LIBERTY MUTUAL INSURANCE is the biggest joke around. My 13-1/2 year old roof collapsed and they’re denying coverage. They claim it was from long-term hail and wind damage and my 13-1/2 year old roof was not properly maintained. There were nail pops and hail damage in the shingles I wasn’t aware of. Weather damage has to be within 2 weeks of filing. They also practically doubled my premium without payment of a claim, only because I filed one. What is homeowners insurance for? I didn’t realize I have to get on my newer roof and inspect it regularly. No inside damage was seen until the bedroom ceiling caved in. I spoke with an insurance adjuster from another company and he totally agreed that Liberty Mutual is terrible. Must be they use their claim money to play their annoying commercials constantly. Just trying to give anyone interested in Liberty Mutual a heads-up, don’t fall for their advertisements.

Filed a claim 4/2015 after Severe Winter Weather Conditions caused Ice Dams which flooded 3 floors of structure. Took adjuster 3 months to assess damages. You can see from attached assessment by adjuster that he clearly looked at first floor only. When I asked about the roof and other floors, adjuster said he saw the roof and it was fine. I had already had 3 roofing companies assess the roof - All 3 said the roof needed to be replaced. Adjuster rushed off quickly without complete assessment of damages - leaving me with a check for 800.00.

Worst customer Service Experience. I was getting Home insurance quotes last year in November. And today got an email from this worthless company trying to collect $4. Because I had a policy for 3vdays. Never purchased insurance with them and NEVER WILL. So be aware!! Don't get insurance quotes with this company. Months later you might get a bill. Unbelievable :(.

After 10 year of seeing my premium increase I had had enough. Cancelled my policy then they said I had to give them some more info and I owed them $35. I told them to get lost. They will spend more coming after the $35 so good luck to them.

We were Liberty Mutual customers (home and auto) for 35 years. We had been lulled into not paying attention to our premiums since they were automatically drafted. Over the course of two years Liberty Mutual tripled them so that we were paying $5,000 more than other companies were offering. When we cancelled 7 days after the renewal date, instead of prorating, they charged us another $600. Their policies are shameful.

As I have recently discovered, there is not now or ever has been an actual legitimate "adjuster" in my hail damage claim. The person Liberty Mutual calls their "adjuster" is but a clerical person employed by & working under the license of Alacrity Adjusting Solutions as a "Claims Resolution Specialist". This person herself is not licensed for anything as far as I can tell at this point - although she has many misleading tales to tell. (Eg, her claim of 20yrs and having worked in the field as an Adjuster on claims #1 can not be verified by various State records where she purports to have lived and #2 she does not appear to be old enough to have had 20 yrs of experience!) \

I am completely dissatisfied about the service and settlement amount we received due to Dec 22-Jan 23 wind and rain damage. Liberty did everything possible to delay processing the claim for 6 months and finally not to pay. It is not unexpected result from small to mid size insurance companies in general but coming from Liberty was complete disappointment. What a waste of time. Also watch out D.B. from Liberty-Texas. If she is assigned to you, ask for someone else (anyone but her) to process your claim.

I have multiple policies with Liberty Mutual and thought they had my best interest in mind until I realized that they had been overcharging me $1,200 every year for my home policy. When I signed up for my policy, they entered that my home's electrical work had not been updated since the year 1911. I've done research and only 9% of the US had electricity in 1911. I realized our policy was very high 2 years into having our policy so I called them to enquire. The representative flagged that the information had been incorrectly put in by the agent and adjusted our policy accordingly, which resulted in a $1,200 decrease in my annual premium. I asked that she back date it for the prior two years since we had been paying an insane premium for a mistake on their end.

Liberty Mutual Insurance Co. Horrible Company!! Everything was fine until we needed Liberty Mutual to provide the coverage we needed. Hail storm damaged our neighborhood in May, 2022. Approximately 50 homes in our area have been approved for replacement costs for a new roof. A couple of homes with older roofs were offered 50% and 1 was offered 30% of the cost. Liberty Mutual offered us ZERO! We are one of only 4 houses that have been denied in the entire neighborhood.

I have a house valued at $200K. I have been with Liberty Mutual since I bought it. My premium for this year was $4300. I called and asked why and they said building materials have gone up. I got quotes from other insurance companies with premiums ranging from $800 to $1000, The coverages were the same. I would recommend that everyone get competitive quotes every 2 years. I wish Liberty mutual to reap the negative Karma they have sown. I will be posting this review on several platforms. Hope this post helps people prayed upon by Liberty Mutual.

NO surprise rated as a 2.5 - as expected = legalized crooks - denied Hurricane Ida flood in basement - their rational water came from ground up. I presume they don't understand that when it rains, water falls on the ground and if TOO much, TOO fast it saturates the ground. Pump was working but not fast enough. Didn't help remediate and get anyone to help get rid of garbage/carpet/furniture/electronic equipment all ruined. No reimbursement because I did it myself as contractors were busy with floods all over. Sent a inspector who drove from NY to PA, did pictures and moisture reading, which were moderate because I had already started my own remediation to avoid stench, mold and fungus, so no reimbursement for anything. Be very weary of these crooks who don't care about your business, your home or business!!!!

This insurance vendor is awful. I would rate them 0 if I could. We were their clients for 4+ years until we tried filing our home insurance claim, because we started seeing water coming from the tiles in our kitchen. Here's when the insane part started. The insurance resisted as if they had to give us their last dollar and the funniest part is that every time they invented different reasons. They sent us their inspector and he wrote a report saying he doesn't see any water. I asked him - how come?! Did you even enter the kitchen? It's enough to step on the tiles and you see it.