Liberty Mutual - Homeowners Reviews

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.

I have been with this company for over 30 years. I have a hard time getting another company insure our home as I am in Southern California and back-up to some wild grasslands. I have shopped for a better rate several times and could not find one.

Beware of Liberty Mutual homeowner insurance. They issue you ACV (Actual Cash value) option to your roof instead of RCV (replacement cost value). You won't know what this is about until you file your claim unless you have the knowledge of it. This means if you replace your roof, you won't be 100% covered by the cost. Your old roof will be depreciated and be subtracted from actual replacement cost. i.e. you pay extra out of your pocket. Liberty Mutual will only do this to Texas residents ONLY as per their claim! If you currently insured under Liberty Mutual, be prepared to talk to that Emu when you are having a claim!

Very easy to reach, always someone available to answer questions, more coverage for a lower price than my previous insurance. I switched because the old insurance kept raising prices by a lot. Liberty Mutual has so far not raised prices.

I have had Liberty Mutual for years & thankfully have not had to put in a claim, especially with the major winds & rainstorms that we have been getting here in NJ in the past few years, but I am very confident that in the event I would need to do so, I would have no issues.

Their customer service is the best; they really try to fit their customers with the right policy for their individual needs. If you have an issue or concern, they are always available to assist you and always try to help. They aren't too pushy or aggressive like other insurance companies that I have dealt with. Lastly, their premiums are affordable for whatever coverage you choose.

The process to make a claim is very streamlined. Claims can be started online and they also have representatives to assist as needed. My interactions have always been pleasant. Claims are addressed immediately and are assigned to a claim representative right away. I am always able to reach someone and talk to someone live. I would recommend them.

Liberty Mutual has not paid for all the damages to my home. They paid a higher amount for siding and a patio door and revised the payments downward by thousands of dollars. They have failed to tell me why. A public adjustor states insurance is not allowed to do this and yet they have. They have failed to work with my contractor to pay for the damages to my home. They changed carpet pricing three times within a couple of months. They lowered the price to .79 cents a square foot and only raised to $6.13 once the carpet was sent to Itel. They allowed $33K+ for siding and then lowered this amount the following year when I submitted an estimate from a contractor for more.

Aggressive and brutal marketing department. Agents keep contacting you to buy more. Takes days to get off their do not call list. Customer service department is a joke. Average wait time for me was 15 minutes to get an agent. Information from agents vary greatly depending who you get. Keep calling back until you get one that shows they actually care.

I have to agree with the review of those who have put in claims and been denied. I too have had a horrible experience with this company and will never use them again. They essentially lied on the denial letter instead of putting down what the real issue was. They were supposed to determine if the damage was from the inside or outside and couldn't do so without taking down the walls--so they not only denied the claim, but made something up instead of just putting that down. I really don't understand why they would do such a thing. You pay for insurance and they fight you tooth and nail to not give you the best service and provide you with what you need. Do not waste your time with this company unless you will never need anything from them.

Claims adjustment has been quick and professional. It all costs too much. At least they are there when you need them. My agents office is quick and efficient. I had State Farm for about 30 years and they slowly carved-out the policy down to no real coverage, it cost $1K more, and my agent's office treated me like a stranger not to be trusted.

Used Liberty Mutual for home and auto for nearly 15 years. They are easy to contact by phone, responsive when there is any issue, and always willing to work with pricing for premiums. Payments for damages are quick.

I had a small fire in my home in January 2020. My gas furnace caught fire. My claim, which was over 30k, was settled and paid within a few weeks. I was impressed with the quickness and professionalism shown by Liberty Mutual.

I am a registered nurse for 37 years. As an RN I have responded to many emergency situations throughout the years. If I were in need I would hope there would be assistance. Unfortunately I was disappointed by the claims department at Liberty Mutual Insurance Company. On July 6th 2020 there was a major Thunder and lightning rainstorm. As a result my air conditioning unit was struck by lightning. I know this because I was at home at the time of the event. My circuit breaker turned to the off position and my HVAC unit was unable to cool my home. I contacted Amstel -an HVAC company- and the technician confirmed that the unit was grounded as a result of the lightning and the terminals were burnt. A claim was initiated at Liberty Mutual by John "Clint" **.

Was struck by a severe hail storm May 2018. Independent estimators were all over our subdivision but would not touch mine because I was insured by Liberty Mutual so I had to use theirs, property professionals. New roof was installed within a month but all the other work was put on ignore. Noticed leak within a few weeks after the new roof was installed. Leak was repaired a year later after black mold has set in. Have gone through three representatives of professional properties including the owner who did absolutely nothing the two weeks he was here but lied and did not show up when he said he would on numerous occasions.

A Liberty Mutual representative visited my residence during the last week of February or the early first week of March and asked my boyfriend if it was alright to look around the property and take pictures. He asked me later that day if I was aware of the visit by Liberty Mutual and I told him no because I was not informed at that time. The following week on March 9, 2020, I received the inspection notification letter. The letter stated, “no action is required at this time.” Additionally, the letter was dated February 28th and was not received until ten days later, far after the visit. This occurrence appears to be conniving.

I changed to Liberty Mutual when we refinanced my home 8 years ago. Was told I had a $500 property damage deductible. We have had several wind and hail storms over the last 7 years but this last one caused a leak so decided to have it checked. It was leaking so called and was told that no longer was the $500 deductible valid but now it was 1% of the value of the home. Over $1700 which was totally ignorant of me to continue to do business with a sub par company. All my neighbors had $500 deductibles with their insurance and that is what they had to pay. It is a shame that the rates are 45% higher than most others and their coverage is that pathetic. Time to look for a quality company for $800-900 a year less with quality coverage. It is a shame you are required to give them at least one star when they deserve much less.

I have been with Liberty Mutual since 2015 or 2014. I compared their rates in the beginning but not in the 5 years following as I trusted them to be fair with their rates. While getting a lower interest rate, I was told your home owner’s insurance costs was pretty high. So I checked around and found out that they were TWICE as high as a quote I received. Shame on me for not checking. We have never had a home claim with them ever. One minor car accident almost 3 years ago..

I've had homeowners and auto insurance for my present home for several years now. My mother passed away and her home became mine. I purchase a homeowners policy from Liberty Mutual for her house. A couple months later some underwriter working for Liberty Mutual stopped by her house and decided the property was in too bad of shape for them to be willing to cover. Reasons stated were: Gutters needed cleaning out, and tree limbs were hanging over the roof. There was only one place where any tree limbs were hanging over the roof and ii's way up high where an old tree has long reaching limbs. REALLY? Whose house does not need a gutter cleaned out periodically? This is completely ludicrous. They will lose all of my business ASAP.

We purchased this insurance as we were buying a house. Next thing I knew a man was calling to schedule a home inspection. Liberty Mutual never even informed us this would be happening. The inspector came and left. Three weeks later we received a letter (with three days notice) that our insurance policy was being cancelled. They claimed the reason was that there were major renovations going on without their prior knowledge. First of all, we closed on a new home. The only "renovation" occurring during the inspection was a paint job around the house. We were never asked nor informed we needed to tell anyone we were painting the house upon purchase. They only gave us three days notice to find new insurance. On the other hand, we got a MUCH better deal with another company. I would strongly advise not to go with this company if you expect any customer experience at all.

I have a replacement cost homeowner policy which means that the company was to me the actual cost value first, and then pay me the recoverable depreciation after works are completed. The crooked contractor recommended by adjuster intentionally failed to do certain work but completed most of the other repairs. The contractor then attempted to charge me for the work intentionally not done. The final charge was later reduced by about $3000 for the omitted work.

Started using Liberty Mutual home owners insurance for new home purchase. Used the high deductible (5K) plan to reduce annual cost bringing the premium to 783$. In one year they increased the annual premium to 954$, a 22% increase. There were no claims or any issues with the account to cause the increase. Should have known, had auto insurance through them years ago and did the same scam.

Terrible company - does not care about the consumer. This company will do anything to avoid having to pay out a claim. You pay for insurance and you get a scam policy that has all kinds of verbiage and clauses to not pay out what the average person would think they are insured for. Good luck but even if they are priced lower than their competition - price is what you pay and value is what you get. Stay away!

Months after I received a reasonable quote my policy, out of the clear blue sky one day they sent me a subtle notice and bill stating that your automobile and homeowners insurance has nearly tripled, keep in mind, I did not have any accidents tickets or filed a claim, I truly believe it's because I live in Georgia, when I contacted them I got a lot of mumbo jumbo. I called and asked them again as to why my rates increased so dramatically before my policy was even up for renewal.

I have been scammed into paying premiums for a year. When my pool liner collapsed mu husband and I decided to take down the pool. The insurance company sent over a review firm and decided "we are under construction" and were not eligible for policy renewal. Why did't you advice me of that before I dropped my last insurance carrier. You were eager to take my money. I did not put in a claim to fix the insured pool. I took it down myself and I am under construction and not legible for renewal.... Stay away from this company.. Clueless morons running it.

I have had Liberty Mutual Insurance for less than a month. I just purchased a home and was required to pay for a year of insurance up front as part of my FHA agreement. The company sent out a rep to take pictures only 4 days after my closing which is not enough time to get a home in order period. I happened to be home at the time and had already taken on a home renovation and was landscaping the front yard when the rep came to take the pictures. Because my dogs were outside with me, he asked to take pictures of them (two Chihuahuas) and was asking me questions about their breed and various things of which I have already answered when I applied for the insurance. The rep could clearly see I was pulling up bushes and shrubs which of course created yard waste and debris. There was also a carpet I had pulled out of the living room and was waiting for trash day to have it removed.

In April of this year I cancelled my homeowner’s policy due to continued premium increases and a better quote from one of their competitors. A refund check was supposedly issued to me in April within a day or two of cancellation, according to e-mail records. After two months of not receiving any refund, I called their toll-free number to inquire about the check. I was informed it had been mailed to my previous residence address in another state and that a “stop payment” needed to be placed on it and another issued to me here at the address of the insured property early July. A call of inquiry on July 18th resulted in being informed a new check would be issued the next day.

33 years with LM, no claims, $2500 deductible. I receive my renewal along with a note, NC rates for my policy is $1365.00, LM sent me a bill for $2879. Thought it was a mistake, nope. 33 years with Home, Auto, RV, and Liability...and they didn’t care. Went with Farm Bureau for all policies...over $2000 in savings.

I’ve had my homeowners insurance with Liberty Mutual for 11 years. My premiums went up every year, I called about 5 years in and was told the increase was due to normal inflation. This is the first home I’ve owned, so I didn’t know any better. I haven’t had a dedicated sales rep the entire time I’ve been with them. I received a call from someone in my offering to requote my policy and add auto, my homeowners went from $1882 to $984 for the year! It didn’t seem right so I told her I wanted to review before changing anything to make sure I wasn’t giving up any coverage. Sure enough, everything was the same and she even added flood coverage. So I called back in June to have it changed and she was no longer an employee there.

Is there a negative star -*. My house was burglarized, they took jewelry, cameras, tools, equipment, art supplies. My deductible was a thousand, they said because all the items were under 1,000 they were not going to pay. All the items were over 5,000. I turned in all the receipts and they brushed me off with excuses. They need to lose their license in California. I'm changing insurance companies, oh and they raised my rates. Looooossssers!

We had purchased home insurance for many years from Liberty Mutual, when we had damage from a windstorm we were told we were not covered for that kind of damage and we could not even get an adjuster to come out and look at the damage. Needless to say, I ended up paying for the damage myself. This insurance co should lose their license to sell insurance in Connecticut forever. It is nothing but a scam company.

Liberty Mutual RAISED our rate on our homeowners insurance 70%!!! We had a claim for sewer backup after a HEAVY rain, we had sewer backup insurance on the policy. I would stay clear of this company, isn't that what insurance is for is when a disaster happens? Now a 70% disaster!!!

A car thief ran thru my automatic front gate during the night. The car was left at my gate and had damaged the gate and the horse fencing. The claims process was adequate. However, my next premium bill skyrocketed because of a claim I had NO complicity in causing. Been with them since the 1960's when I was a claims adjuster and also in Personal Sales. I worked there about 8 years. Not happy now, everything is email. Might as well be a total online company as far as the service or help you get.

I had water damage back in July 2018 and reported it. An adjuster came out and estimated the damage. He then deducted the 500 and also a thousand dollars for depreciation? I had estimates done and they were all more, plus they didn't want to deal with Liberty for the grand. The adjuster is off indefinitely and his boss won't be back until June. My agent was no help either. Meanwhile the ceiling in my kitchen is half gone and the floor in a hallway and bathroom is also missing. What a nightmare and no help.