Liberty Mutual - Homeowners Reviews

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.

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.

My roof was impacted by epic rainfall from multiple storm time there is rainfall. I followed Liberty Mutual procedures and filed a claim on the website. Uploaded pictures and a quote for repairs from a local roofer. I have waited for nearly 60 days and no inspector has been to my house. I continue to update the website with pictures and comments. The water continues to drip in my house.