Liberty Mutual - Homeowners

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.

I renewed a homeowner policy with them. Paid the full-year premium. Halfway through the policy they let my EX cancel the policy without even notifying me. I found out when my Mortgage company sent me a letter notifying me that I no longer have insurance. The next day I received a refund check in two names that I can not cash or deposit in a single account. I call them and over two days argue about what they are doing about it. They do nothing!! She contacts them back and they let her have the refund sent to her and she was able to cash it. DO NOT USE THIS COMPANY, THEY ARE NOT WORTH IT. I will not stop fighting about this. I am almost 64. I live on disability at $2000 a month. I will not stand this loss! I will not relent!

We have been with Liberty Mutual for multiple years with no claims and then we had 2 within 3 months of each other for leaking dishwasher and a refrigerator. The agent who came and did the claims assured me it would not effect our rates and if it did it would be small because the claims were not huge. Fast forward to receiving our renewal and the price increase was almost $2000.00 a year. Spoke with phone agent and they verified increase was due to claim and there was nothing they could do. What is really the purpose of having insurance if this is the outcome. Very disappointed with this company as well as with Geico who also raised our auto policy where we have been for 10 years with no claims. All I can say is do your homework before getting insurance and read reviews.

We have Liberty Mutual Safe Co homeowners insurance but not for long! The customer service is bottom of the barrell. Destanea was assigned to our claim and she is absolutely apathetic and there were kids in the background on every call. The policy and exclusions are what they are but when the company's representatives do not care, they will not retain customers. I implore Liberty Mutual to listen to those calls. She DOES NOT care. The company needs way more info to make a decision and we are not getting the opportunity to provide it. They are denying the claim without seeing/understanding the damage and mitigation required. They have not talked to the plumbers, the demo/tile company or the folks restoring our torn up house. We are switching insurance yesterday!

The very first time I have put in a claim, they denied my claim. There was a slow leak behind my refrigerator, but water was not leaking out. When we smelled a musty smell, we moved the refrigerator and found the leak. It had damaged a kitchen cabinet, the wall of the closet, the pantry wall, and a hall closet because of where it was located. They denied it because I should have known, but there wasn't a leak, smell, or anything until there was. As soon as I found it, I reported it. Very frustrating paying insurance for years to get denied the first claim you put in with the company. They collect premiums, but are not there when you need them. I would give zero stars if I could.

Ever since I filed a claim I’ve been treated terribly. Can’t get anyone to return calls. Took almost a year to get my claim going. It’s still not closed because work can’t get done. They issued check to wrong mortgage company. Took month to get that fixed. Can’t get anywhere with any reps. Very rude and unprofessional. Worse experience I’ve ever encountered with Ins company.

For more than 15 years, Liberty Mutual charged me 630 a month for homeowners' insurance through Ocwen and PHH Mortgage Co. I paid 630 a month for 17 years. Now after dropping them for Allstate, I pay around 130 a month for better insurance. Because of Liberty Mutual, my mortgage loan is now twice what I originally paid for the house. They did this because I didn't know any better.