Liberty Mutual - Homeowners Reviews

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.

I have my house, some rental properties and a car insured with Liberty Mutual. Their rates went up a lot, and I never had a claim. Just now, I got an updated policy: from 2017 till now, the rates went up by 34%. I can't increase the rent by that much to keep up with these guys. They have no regards for customer loyalty.

They do not even deserve 1 STAR but ZERO STARS was not an option - please note! I switched to Liberty Mutual November 2018. I am now self employed and reviewing all bills to make sure I am paying the best rates. I found a much better Homeowners insurance policy premium and called today to cancel my policy. She proceeds to tell me "Oh you owe $355.31", I said, " What? You auto deduct from my bank account monthly." She said, "Well it appears you are in "arrears" For whatever reason we billed your mortgage company for November and December and they did not pay."

I live in California. I was having homeowner's policy (Policy #: **) from Liberty since last 4 year. When I delayed my payment my policy got canceled after given due date. Within 2 days when I called them and paid rest of amount. Once I asked them to renew my policy the retention department kept me on hold to rewrite new policy and later they said they will not renew my policy and said my policy is marked for non renewal. As I know insurance company should give certain number of days' notice and explain the reason for not renewing before it drops your policy. I got notice for payment and expiration date for cancellation, but it doesn't say anything about non renewal. This what I got after being 4 years with Liberty Mutual homeowner Insurance, I never claimed a single dollar and except this never a single payment expiration.

I received a notice from my bank today that my homeowner's policy had expired a week ago. I looked thru my emails and sure enough I hadn't received an email regarding the renewal of the policy, I logged into the site to try and renew and was informed that my information was incorrect. I called customer service who informed me that they would not be renewing my policy. I asked why - never had a claim, premiums are paid thru an escrow, never received an email or a notice via the website indicating there was an issue.

Phoenix, AZ. I have home insurance through Liberty Mutual, I live in a house built in 2006, not too old. I just realized a water leak under the sink this week, and called them the same day. They sent out Stanley Steemer to dry the walls and tile and that company notified me that I had mold under the sink. Liberty denied my claim, even though I have $5000 worth of mole coverage because they "assumed" that the leak was going on for a long period of time. I really wished I could see through walls so I could've found the issue sooner! I'm switching now, they stated that it is stated on my policy, but it's not. It's a separate form you have to search for that states it. They won't help you at all, they could care less about you and your family. Save yourself the trouble and don't even consider them.

Purchased 10 policies from Liberty Mutual after experiencing losses due to wind/hail damage in a rental community that were not covered by my insurer. Moved to Liberty Mutual and purchased additional coverage for special assessments on all income properties. Agent got exception to write new policies with recent claims, and sold me additional coverage to make sure we would not experience similar losses. 18 month later experienced identical losses in the same community for 4 units. Claim representative cited an endorsement in the policy limiting these claims for associations/corporations to $1000. Agent acknowledged he was not aware of the endorsement. Sent me email stating in the case of special assessments claim for association master policy deductibles they would pay up to $5000. Email described virtually identical situation to claims filed, only fire not hail/wind.

Sadly, you pay for insurance all your life thinking you have protection and are covered. Despite their heavy ad campaign (maybe they should save ad money to spend on their clients!?) Liberty Mutual has been an exercise in frustration. We had a house fire. They initially said we were "underinsured" and would have to Sue our agent if we wanted to be covered under their "errors and omission coverage." Then they agreed to pay out but they estimated our $685k house at $245K to repair, so we were forced to substantiate everything we did with estimates, pictures, receipts, etc. If you have a mortgage, all the money goes to the bank and you have to jump through HOOPS to get the funds released. We had to hire experts to prove it needed to be gutted due to smoke damage and hire a public adjuster so they would pay the "replacement value" and complete a total home inventory vs. what some min wage worker in Wisconsin looked up on Amazon.

We have had Auto and Home insurance with Liberty Mutual for many years. We have never put a claim in. Their rates were skyrocketing. We called them before the next home insurance was due, stating we wanted to cancel the home insurance portion (we do not have a mortgage and were taking a chance til we could find a more reasonable insurance). When we paid our auto insurance in full, via snail mail with the auto insurance stub, they took a portion of it and put it towards homeowners insurance. We got that straightened out. Since then we have gone with other insurance companies for both home and auto.

I canceled my Liberty Mutual/Geico Homeowner's Insurance multiple times. If that sounds odd, it is. I canceled via email. When I received a letter warning my coverage was about to be canceled, I wrote back reminding them it had already been canceled by me. I received a threatening email; I canceled it again. I even received acknowledgement from the company that it had been canceled before it sent a couple more threatening emails. I received another one this morning, more than a month after their own admission that, yes, the insurance had been canceled. I never had to make a claim, fortunately. I can only imagine what a nightmare that would have been.

I've been a customer of Liberty Mutual my entire adult life. Three separate homes in three states. Never late with a payment and never had any issues until recently. Our home had a toilet leak. We contacted Liberty Mutual and they sent a adjuster to take a look at the damage. Their quote for the repairs - $404.00! In the end after discovering microbials growing in our floors and walls, after my son and wife getting sick and going to several doctors to find out what was causing their illness. My wife and I paid over $25,000.00 in repairs.

In short, Liberty canceled our home insurance due to claim from Hurricane Matthew, we had car insurance with them and switched and saved $1200.00 a year, then they charge us $170.00 cancellation fee because we were not through our year commitment. Called other companies and they charge $20-$25. Terrible company. PLEASE I beg you do not use this company and lose the money we have lost. Thank you.

Liberty Mutual was offered to me in a bundle at a discounted rate. I had also heard good things from people I knew that also had the insurance at some point in their lives. They also have a good track record when it comes to claims or issues. The website is very easy to navigate. It is also very easy to access and fill out a claim if needed. In a world of technology, everything has an app. But when I had this insurance, there was not an app to easily access my account. Other than that, my experience was very positive.

We thought we were dealing with a good company with our auto insurance. That was until we had a small claim. They were a nightmare to deal with. Their agents work out of their homes and are anything but professional. We were left on hold for hours from many agents. We listened to children crying dogs barking and an I don’t give a damn attitude by numerous reps. The hours it took for us to schedule our rent a car to be paid for the repair garage to get paid and to schedule someone to even come out to see the car took more than 36 hours of our time. Trying to reach a supervisor to assist us or to hear our grievances was almost impossible. This company fights you about cost of repairs cost of rent a cars and frustrates you to unbelievable leavers. Consumer BEWARE!!!

Liberty is a company that is well heard of. I like companies that don't drag their feet when you spent years paying into the policy. I liked Liberty Mutual because we bundled our insurance for home and car which makes it an easier process to keep track of all in one place. I don't have any complaints at this time about any of our policies, except for the cost of the policies which like all of them start at a good price and slowly creep up and never creep down.

I like this insurance companies because they have an agent and competitive fees. Their fees help me keep the insurance and help me feel confident. They are easy to talk to and resolve all your issues in prompt time. They are accessible and are willing to do anything they need to make your service better. But I would improve the fees of their insurance and the fast paying of their claims. But all in all the insurances are great and always help figure things out.

I've had all good experiences so far. Everything about the company is positive. Their customer service is good. Easy to do business with, good rates, and good coverage too. They also have an easy website to navigate and get things done as self serve at my own convenience, any time of day.

Their price is too high that I feel you are paying for that first accident at the beginning of your contract. I have heard that they do not hold small accidents and they don't hold one accident against you. That is what they say on their commercials, however my experience has been that you are paying up front.

I like that they are direct and tell me like it is. There are no hidden fees and they break things down to where I can actually understand them. They also don't treat me like a number but like a valuable person. They don't make me feel that I am less than they take as much time as I need to help me fully understand everything going on. Although, I do wish that they were more affordable. I also wish that they had more stuff for younger people to relate to that are just starting out.

This policy was the best rated in my state and offered a family discount as I got other members of my family to sign up. This policy also had the lowest deductible and built in incentives to pay ahead to get a lower overall rate. The application was at first dull and froze and was not ideal for me to use. I like to pay online, and paying through the application would be easiest. They finally got it worked out, the bugs and works well now. I like the quote I received as well as the customer service. I like the ability to create a customized plan that fits my needs. I had to file a claim in regards to my roof and I was able to get everything covered. I believe in my company and they stand with me.

The quote and reviews of the company was right on. The customer service is great also and the representatives were some of the best to deal with. They seem to care about their customers. They have even sent out notifications when there was storms in our area.

The prices were the best I found while I was shopping around for insurance companies online. The other companies were pretty high in price and out of my budget. Liberty Mutual worked best and it was hard to beat this price. They have all the features I wanted as well.

They have good coverage for fair price. Like Alex Trebek says on another T.V. ad three words. Those words are Price, Price, Price. Comparing the different companies I found the price differential is incredible. I like Liberty Mutual's T.V. Advertising stating what they can do in a case of emergency. Not only do they cover houses and property but other items that need insuring. But the insurance industry in whole needs fixing. Things that should be changed is the price of the premiums especially for seniors on Social Security. The company that will address that is going to become more successful in the long run.

The Liberty agent is a former colleague of my husband's and he was new to the company but we believed in him and went with the company. It has proven to be a smart mover. The agent for the company has a personal approach to his customers and he makes certain that we are aware of any changes to the policy and addresses all concerns.... The policy we have is over 20 years and we have only filed 2 claims, it would be nice if we were rewarded in some way. Perhaps a discount on the annual fee, some incentive to remain with the company.

Liberty Mutual is a great company. They have a great price, and fast and great service. They are always on time when you need them. If you have a flight they make sure they handle anything that needs to be handled. If I call with any little complaint they help me. They don't just put me on the side. They give me all the service I need. I definitely will recommend to friend or family. They're very reliable.

Liberty Mutual was recommended by my loan officer when they were finalizing my mortgage loan. I also qualify for a discount due to the company that I work for, which is very helpful with the rate that I am being billed. I like that the rate is fair and the policy was easy to set up online with payments handled through my mortgage company. Also this company processes claims very fast which was very surprising to me. I had my garage burglarized and my claim was processed in a week. They were very nice and did not make me feel like a victim. But I would like to know that my policy would not skyrocket due to a claim.

I had personal contents items that were stolen by Liberty Moving and Storage in RI. I filed a police report, provided documentation confirm missing items and provided all details to back up my claim to Liberty Mutual Insurance on May 22, 2018. Liberty Mutual has taken 7 mos to do a coverage investigation. They denied my claim even though my statements and documentation (original documentation from the storage facility!) clearly substantiate my claim. Instead of standing by me, Liberty Mutual has pitted me against this unscrupulous vendor. I will be forced to pursue legal action that will eat up any settlement I might receive. First I have been robbed by the storage facility and now I’m being robbed by Liberty Mutual. This conduct is what gives insurance companies a bad name.

I considered Liberty Mutual Insurance as my insurance carrier. I had originally decided to go with them before telling them to cancel it before the effective date. I had found something cheaper that filled my requirements. I was told to upload my information on the reason why and that it would be taken care of. Next month I receive a bill for the entire amount. I figured that perhaps it will take a little while for them to figure out the billing. I call customer service and tell them that I requested to have it canceled before the start date. They tell me that they will get it taken care of. I receive a bill the following month as well as a notification that my insurance will be canceled if they don't receive payment.

Got homeowner's insurance. Agent come out and inspected house after starting insurance. Snow on roof, by the way green shingles. Agent says I have green mold on the roof, how can you see the roof for the snow! My kids toys all over the backyard. Agent says junkie yard. So cancelled my policy. Now I'm fighting to get insurance because, other insurance companies can see their reason for canceling.

They have great customer service, and are open about any policy or billing changes that are going to occur. This is a great company and I don't really have anything that I dislike about them. It was easy to sign up and get a good rate. They had the most competitive rate and were the most clear in their policy terms. Their customer support is exceptional and answer any questions that I have and are always polite.

My wife was using Liberty Mutual before so it was an easy decision and it was very easy to transfer from her condo to our house. Many other providers were more expensive. Liberty has good prices and is easy to renew. They have local branches too that I can visit or call. I would like for the insurance premium to decrease though. Other than that, it is perfect. I like that it has online bill pay and I can view and do almost all my transactions online, which I prefer.

They were cheaper than my last insurance company and they have a good reputation. I will always stay with them. I have had three claims in a period of six months. Lightning struck my home, hailstorm hit my home, and my shower pan broke and flooded my bathrooms and bedroom. They are fast to pay for any claims. Liberty is a wonderful insurance company but maybe improve the price.

I had Liberty Mutual in the past and been very happy with them. They responded very quickly when I had a claim for hail damage on my roof at my old house. They have local offices here in Austin and they have been around for a while and have great ratings. They have great rates and respond quickly, friendly service and have local offices and a mobile app. If you leave a message they call you right back. My homeowners insurance is build into my mortgage though and I don't like that the insurance premiums go up with the value of the house. But other than that, they are a good company and I would definitely recommend them.

Liberty was one of the first policies I found, I feel like I had a good connection with them based on my auto loan policy. I also chose this plan based on the suggestions by my parents and what they have always had and done. Liberty came with all the coverage I could want on a house with the damage I could imagine happening, I like prices and what they include for coverages. I love the ease of access to the office and the awesome customer service. Very good experience but they had no remorse in handling my AC HVAC unit that broke on a 2 year old new construction property.

Liberty Mutual came recommended by a person I trust that has done business with the local office for over 25 years. The receptionist was very nice and knowledgeable. She understood my needs and was able to easily explain their services and products and how they were in actually much more advantageous than the original policy. It took the local office a couple of tries while working with the regional office to get the policy correct though. Also they needed to coordinate better between the offices because in the beginning when we first engaged the insurance company we had 2 offices attempting to take care of our new policy. Now while that is considerate it semi confused the situation because we started to get multiple mailings regarding our homeowners policy with either incorrect or diverse items on the separate policies.

Liberty has been around for several years and they have a great reputation. They have pretty good rates and I trust them. If I were to have a claim I'm positive they'll help me each step of the way. I've been with the company for several years and I will stay with them as long as I can. I will also always suggest them to my friends and family so they can belong to a great company. If you are looking for a great company that backs their clients Liberty Mutual is for you.

I have remained insured with Liberty for the last 25 years. I refuse to purchase insurance from an online carrier where you just "click". I have dealt with online insurers for my clients and they are not as credible as they say. Liberty handles everything in a very predictable manner. Their billing is accurate, they respond quickly. When they say they will call back they do. The rates I pay are comparable to the other companies in the marketplace and the coverage is very broad. They are constantly adding features to broaden their coverage too. They have paid a few claims over the years and have not raised my rates. The only complaint I have is they bought the insurance company that I was insured with called Safeco, which was a great local insurance company. Now they are part of Liberty Mutual, a much bigger insurance company.

Liberty Mutual offers insurance to cover my livestock in case they get out and cause an accident. They have knowledgeable representatives that seem happy to help with my questions. They also offer a reasonable price for their coverage but it would be even better if they offered incentives or discounts for keeping their coverage over time. But other than that, Liberty is the best bargain overall. They offer the best coverage for the best price that we could find and I am happy with the people I deal with.

My experience has been positive. Liberty Mutual has been a good home insurance company to use. Their rates are very affordable. I can access my account online and pay my account online both of which make things really easy for me.

Reasonably priced, moderate increases, convenient payment options and good value for premium paid. Also knowledgeable employees, good coverage options; responsive to inquiries, soft sell of additional products and competitive discounts. Chose for best value available for coverages offered; extensive research. Easy to sign-up and good online information on easy to use access. Also timely renewal notifications. But should have fewer increases. Have loyalty discounts for renewal, premium reductions based on changing home value, suggestions for reducing premiums and offer a 12 month policy to avoid 6 month increases.

Liberty Mutual's rates were reasonable and price is always the reason for choosing an insurance. When I purchased my home a realtor assisted with the purchase and she recommended Liberty Mutual as well. I was a new homeowner so I took a lot of opinions of other home owners and this helped me decide who to use for insurance on my home. My home was totaled after a hurricane and State Farm honored my policy on flood quickly. However Liberty has to wait for the area to open back up and send 2 agents to look at damages. They did fight me on a new roof but then I did not see reimbursement for the roof until years later. They could be more sympathetic and issue payments quickly. Nevertheless, Liberty Mutual got me a check for food lost from my loss of power quickly. I had to drive far to pick up the check but that was the first payoff they issued after the hurricane.

I got a notice from my college alma mater that I could get a group rate. This made Liberty Mutual stand out as a more attractive rate than the company I had at the time. Getting the policies set up very, very easy and any interaction with the insurance company has been pleasant. I can access all my information online at the Liberty Mutual website. This is very convenient for me. It was previously bundled with auto insurance but I no longer have an automobile. So far, so good!

Liberty Mutual Insurance impressed me a lot when I changed my Car insurance to them after having wrecked one. They didn't elevate the price when the company I had for six years did, and treated me like I was a new customer. Liberty Mutual Homeowners is especially customer friendly and my mortgage company was happy that I chose them. If I could get this insurance a little cheaper, it would be nice. But other than that, Liberty Mutual stands behind their promises. They are honest, and they rebuilt my garage when it was destroyed by fire. I love this company because it costs less and is the most trustworthy of all the ones that I checked out.

Liberty Mutual was the best coverage for the best price. I got a good deal that did not compromise the coverage. I compared many, before I decided on this policy. I liked how easy it was to get the answers I needed. I was impressed with how fast and easy it truly was. It was simple to get a quote and the people I spoke with were very knowledgeable. I wish I did not have to pay as much. But, I think I got the lowest price I could.

Liberty Mutual was local, as in walking distance from where I worked at the time. They did the hard work for me which was finding the best company to insure my home and property at an affordable price, and it was done quickly. They have automatic Billpay which is great for people like me that tend to forget things. Now I'm assured my premiums will always be paid on time, and if my premiums change I'm notified prior to my next Billpay. However, they need an annual customer billing profile update. This will help with direct calls, acct change request etc to insure the customers request can be processed in a more timely manner.

After checking with several companies and doing online comparisons, Liberty Mutual had the best price and was the best value. The representative who contacted me was knowledgeable and appeared to have my best interests in mind. Liberty Mutual had good price for great coverage, even beyond my expectations. I am pleased with the coverage and the methods available to obtain that coverage. But there has not much communication from the company since I bought the coverage, not even a mailing. I did receive a billing statement my email, however.

This company was there for me when other companies wouldn't insure me. They insured me at a rate I could afford and with all the benefits I liked. They have great prices, and coverages. They were also quick to understand my needs. I can call them at any time with any concerns and they are more than willing to help me with my concerns. But I would always like cheaper insurance and easier ways to pay my premium. It always not easy to my online account. I had a one-time argument with a overworked individual that was short with me on the phone. But she apologized to me.

Sales reps are a little pushy and want you to sign on without seeing a quote. Also, they say they will fully pay claim but double your deductible to get their money back. But simple and easy process to obtain home insurance policy. Lower rates than other companies and great discounts. And will work with you until everyone is satisfied with the terms of the policy. They will have a policy to fit your needs and financial situation. Their employees are extremely knowledgeable and will help you through the process.

Liberty Mutual is is a great company. Many people had recommended Liberty Mutual to me and this is one of the best insurance companies that is available today. To get in touch with them is very easy and they get back to me very quickly if I have any question. They also have an online website that is very easy to move around and user friendly. It even has a chat room available. They gave me the best rates about 5 years ago plus let me bundle me home and car together. They have also given me credit for taking the AARP safety course safety course. I have no problem with this company other than their never ending rate increases every year.

My main reason going with Liberty Mutual was cost savings but I also looked at reviews both positive and negative to determine if I was comfortable doing business with them. If I have a claim I know I am more than organized to help it go more smoothly. I would like the company to treat everyone more like people and more personalized service. Liberty Mutual has great customer service and convenient business hours to call. The premiums are very competitive to other company's premiums. I have spoken to customer service and they were very helpful and answered my questions and concerns.

My policy is a condo policy so it covers only the parts of the home I actually own and the price for it is good. I shopped around a bit and even got a price from my auto insurance company with a multi-lines discount but it could not beat the price of my Liberty Mutual policy. The deductible is high but I chose that to lower the premiums. When I did my comparison it does seem like some of my coverage limits are low, but that is a risk I am willing to take.

Liberty Mutual has excellent customer service from calling in to the main 800 number to communication with our agent and his office. He has been great. As first time homeowners we did not understand a lot of the technical terms on the policies - he took time to explain each term and section and how it would pertain to us as well as how it could impact price. Overall he helped us narrow down our policy to the best option for our needs and he never pushed us towards the more expensive option. It was a very honest and trustworthy process. In the end we also moved our auto and purchased life insurance from them as well.

I obtained an online quote through my auto insurer, GEICO and I needed insurance quickly because I was buying a home. In effort to close on the home, I had to obtain home owner's insurance. Liberty Mutual respond quickly to all claims. I can file a claim online in less than 5 minutes and someone responds within twenty-four hours. Within a day, I am contacted by claims adjusters and/or contractors. The only thing I dislike is the $1000 deductible. This makes it difficult for someone who cannot afford $1000, especially if damages are just a little over that amount.

Liberty Mutual had gotten recommended through some family members and read some online reviews and price quote was better than my previous insurer price, and covers more than the previous. It is more affordable and can view info online when needed or print data work. The insurer is highly rates and trustworthy. I dislike customer service though, hard to communicate or reach and call back takes quite long, not much responsive and can hardly understand their language. Definite improvement in this area is needed but other than that, this is a good company.

I recently switched from State Farm to Liberty Mutual on auto insurance and they wanted to include my home too. They insured it then sent an inspector out to look at roof. I was home and the inspector drove up across the street, never got out of his truck. Reported clogged gutter and limbs hanging over the roof. Cancelled me. 1. It is fall. Leaves get in gutters. I have them cleaned several times a year. 2. The tree does need trimming but they did not offer find out if I was proactive in trimming it. It is well known the insurance companies are involved in "cherry picking" clients. That is, very low risk clients. But that is what insurance is for. Right? Buyer Beware.

The insurance is supposed to cover everything in the home and outbuildings, as well as things and people on the property. The insurance is supposed to give a piece of mind and it does for the most part. The insurance is a salvage insurance. It is expensive and is something we need it to have, because we have made a claim. It's not right that once you make a claim you are targeted for things to fix in order to keep your insurance policy. The policy we have was the one that our broker told us was the best for the money, but it is probably best to shop around and see who offers the better deals periodically.

Liberty Mutual was highly recommended by family and friends and Liberty has a great reputation. I rely on personal recommendations to choose particular product. I also look at reliability as the top reason to choose an insurance company, and Liberty Mutual is totally reliable. Also, the responsiveness of the company is the primary reason that I use them for homeowners and other types of insurance. I would highly recommend them to family and friends as well.

When I first signed up Liberty Mutual checked on rebuilding costs should be house be destroyed. At first it was very high and the rep agreed that the amount did not seem realistic. She checked again and came with a lower cost. They are very nice though. I think they should ask how often other people are here. I don't have a lot of guests so I'm less likely to be sued than someone who has people over all the time. I already had auto insurance with Liberty Mutual and I receive a discount through my employer. I have since changed my auto coverage to another company, but I was receiving a multiple policy discount. Overall, Liberty Mutual is expensive but good coverage.

Liberty Mutual gave good flexibility with policies so we could bundle. Discount through work, easy to get a quote online and meet with someone in a day. Local office - we had a great representative. She was very nice and easy to work with. Friendly staff and convenient office. They should provide the ability to review the policy more for more discounts though and more discount options would be nice- seemed like it cost a lot for the size of the house but overall a good company. We also had car insurance so enjoyed both.

Liberty Mutual purchased the company I was with and everything was fine. They continued with a thorough policy. But from the 1st year they started dramatic increases and I had no idea at the time where it would lead. I soon found out. Since my insurance was escrowed every time they did that my monthly payment with my mortgage company went up. Can you say trapped? I was not aware how easy it would be for a professional insurance company to get me out of the trap. Or I would not have spent so many years literally suffering and going hungry because of them. It was horrible and they almost cost me my home.

I had Liberty Mutual for over 10 years. I liked paying the bill monthly versus every 6 months as well as the discount for young drivers with good grades. However, they were not easy to work with and my daughter had trouble getting them to pay for her bills after her accident. They need to stick to their original quote if it's within 30 days. I had to find new insurance on the fly as I'm not impressed with the way they handled it. They increased my rate $300 a year more from the original quote two weeks before.

I chose Liberty Mutual because my homeowner's policy with another company increased each year for over 20 years with no claims. Liberty Mutual was recommended by a friend who saw a savings from her current homeowner’s policy. The coverage with Liberty Mutual was better than my previous coverage with the Philadelphia Contributionship and the cost for our homeowner’s insurance was much less.

Liberty Mutual has a good price for low deductible and great coverage. They also have good response time when needed for issues. I know people that have been with this company for years with no issues. Great company for a great value.

Liberty Mutual was very convenient. I was able to do all my business over the internet. I did not have to call or talk to anyone or have anyone come out to my home and do not have to do inspections. However, sometimes or most of the time the price can be very expensive. Liberty should lower prices and will get more customer.

I chose homeowners so that my personal property that I have in the house would also be covered rather than having to take out a separate insurance policy for it. I like that Liberty could bundle the homeowners with the auto policy and that the subsequent total was significantly less than I was paying with a different insurance company. But I would prefer that the homeowners was also payable twice each year rather than only on an annual basis. In addition, I would believe that the insurance rates for the homeowners insurance on its own would be less expensive and more competitive.

Liberty insurance was the cheapest one and I have a thing about overpaying. Not that it makes a difference, either they have an unreal deductible or they make some excuse about not covering me. But that's okay. There's not much to like with them except the price. I have never used it though because I do all my home improvements myself. It's much less costly that way. I tried to use it once but they said they don't cover me for what I was asking so I never asked again. I don't call it insurance. I call it in case ** because you only need it in case ** happens. Now if ** don't happen should't I get my money back. But folk get funny when you ask questions like that.

Liberty Mutual provides good choice of coverages that are needed by any homeowner for any and all possible exposures. I no longer use this company because the policy is too expensive - the policy doubled in price the year I stopped using this company - switched to a comparably rated company with much much better rates. Originally had coverage because I used to work at this company - when I worked there I even was given a discount.

I did a lot of research online and did comparison shopping on everyone. I was able to do an umbrella policy with my auto policy. This saved me a lot of money. The person on the phone was very knowledgeable and guided me through the entire things to helping me choose. Their cost was very competitive and I liked that I could do my auto payment too. I have called for help and it was easy to contact a live person. I would recommend this company Liberty Mutual.

I have been with Liberty Mutual since 1972 and have always been treated fairly and with knowledgeable representatives. I originally decided on them because my sister was an employee there and suggested that I go with them. Their home office is in Boston and I worked across the street at John Hancock at the time. I like the fact that I deal directly with the company and not through an insurance agency. I also like that I get a multi-policy discount because my car is insured with them, too.

Liberty Mutual was recommended when we got our home loan. The loan officer at the bank told us they did a lot of business with them so instead of getting quotes we went with them on our officer's recommendation. Liberty Mutual was very easy to deal with and make a claim through. They were very helpful with our choices and the process. They also have not raised our rates after making a claim. While they are easy to deal with, it takes a very long time to hear back from them regarding questions. It took days to hear from them with regard to certain things the workers needed to know so the workers had a lot of down time for this reason.

I have have been with Liberty for about 15 years and they are comparable to other companies. Liberty has professional and courteous staff. When I have been in contact with them they have always been able to assist me with whatever I needed. I dislike the rate increases though. I feel that some extra courtesy should extend to those who have been with the company so faithfully for about 20 years and given some credit. I wish the rate hikes in premiums every year were not as steep for those that have been with them for so long.

When I got the insurance in 2008 it was reasonable to use. They could insure $200K house for $600 per year. But no longer that way, would be cheaper to rent than to buy if house was paid off would not have insurance. Insurance is way too expensive nowadays and owning your own house sucks. I don't make a lot of money and have to find affordable living areas, will be selling house to move into my mini van soon and headed South. Renting is still affordable.

My husband chose Liberty Mutual more than 12 years ago without discussing it with me and I have been satisfied with them as they always treat me right every time I file a claim with them. Liberty Mutual Insurance Company has processed both auto insurance and homeowner's insurance claims for me quickly and without any problems for more than 16+ years. They always provide excellent response no matter what my need is and they have always handled my claims in a professional way.

I did research and looked over quite a few companies and Liberty Mutual was the best place for me. Liberty Mutual was a better choice for me my family and my home. The homeowners policy was better than any other policy that I found with any other company. I like how they take the time to get to know me and my policy. They have full coverage for anything and everything that I want and need for my home. I feel safe and secure with them. Always have and always will. Everything they've ever done and currently do for me and my homeowner's insurance policy is right on what I'm wanting for my policy. I couldn't ask for a better company.

Liberty Mutual was recommended by the individual who sold me the house. Also, I would see a lot of advertisements around town about this particular insurance company and I like their logo. They are very attentive to my needs and they are very trustworthy. They are doing a great job insuring my home and they are reasonable when it comes to prices too.

Liberty Mutual had the best coverage for the home we live in and the state. Their rates are competitive. Overall policy is comprehensive and covers everything needed for our household. All the features included in the homeowner’s policy are clear and have no problems understanding what is included and not included in the policy. They have a very useful, helpful and easy website to use. The application process was simple and straightforward. The home inspection was arranged at a convenient time and the inspector was polite and friendly.

Liberty Mutual is fine. Insurance is insurance and this is priced right. Insurance is a necessary evil and I chose this policy because it was the best deal for the coverage I needed. But I want the insurance I have to have at the cheapest possible price. If I could find a company with the same coverage for a cheaper price I would change companies. I have no loyalty to any particular company.

I have automobile policy and liability insurance with Liberty Mutual. They give discounts. Multiple policy discounts are helpful and the ability to pay automatic payments are helpful too. I like the discounts they give but still expensive. I like to see lower prices and should have pamphlet to explain policy instead of legalize that is not easy to understand. But they have good customer service. They answer your questions and have good explanations of policy.

I like Liberty Mutual because they have the best rates for me. I was able to get bundle deals, low prices for all my properties. I switched from other insurance companies because Liberty had the best reviews. They also have the best customer service. They are never rude when you call and if they don't know the answer to the question, they will ask someone else. I would recommend this insurance provider to everyone. I am glad I switched over... If you ever want the best, Liberty Mutual is what you need.

Liberty Mutual was reasonably priced and offered the things that I needed to have considering that I live in an area where there is a possibility of fire and flood. I chose Liberty Mutual because it had the things I needed at a better price than the others and other people recommended them to me as being reputable company in our area. I would have liked it to be less expensive though.

My sister had such high regards for Liberty Mutual that I switched from GEICO and never looked back. And I saved money when I switched and they were so nice. I just wished I should have done it sooner than I did. Although I thought they would have a better bundling plan after I brought my cars over. And they don't have to remind me that my statement is ready since I have them on auto pay. But other than that, I like that they didn't raise the rate of my premium after one claim and how they were so quick and courteous settling my claim. And I like the way they send me a birthday card every year just little things like that.

They are a very good insurance company and they help you get the best rates. They are very good at making sure you get the very best deal you can get and you are very well taken care of. They also pay your claim on time and are very nice to you too.

Protecting my home is perhaps the most important thing, and I must keep it in good hands, under good protection. Being able to travel and traveling quietly, knowing that I have a large insurance company fills me with calm. Liberty Mutual is a protection plan that gives me protection, from flood to what is inside my house, as far as material goods are concerned. I am really pleased to have such a good protection plan. This protection plan also had better benefits in terms of the amount that he would receive for damages.

I like that Liberty Mutual has great customer service and answered my questions without judgement. I like that, at the time, they offered the lowest rate on my policy. I have since found a better rate. However, I also took customer service and how I was treated initially into consideration when I was choosing this company to insure my property. But, I would like to improve this company's rate to insure our home and to improve access to them in our area. Now, I would like for them to be more competitive in my area.

I had a pipe break in my house. Liberty said they would fully pay to have it dried out. They then charged me 2.5 times my deductible. After they tore four rooms out of my house they left the kitchen among other rooms unusable. They told me to get estimates and turn them in, I did. They didn’t like the estimates and told me I need to find someone else. This is now three months after the initial claim. I couldn’t get any more estimates as I had already called every contractor in the phone book. I asked if I could get my house fixed and they told me if I called anyone without their approval, I would not be reimbursed for the repairs. I am now at 7. On the with no kitchen and no way to prepare food for my family.

So my husband and I were about to purchase a house (we just moved into an apartment at the time) and we wanted to get a quote from Liberty to see if their insurance would be cheaper than Geico (our current carrier). My husband spoke with a salesperson named Jessica (can't recall the last name), and my husband asked about getting a quote on a policy. But something weird was happening. Usually you just get an email or something about a quote, but not this time. She was aggressively trying to get my husband to sign off on paperwork. Wait a minute, you don't that for a quote, so my husband declined and hung up. A few weeks later we get something in the mail from them. It was an actual insurance policy. We didn't sign any paperwork nor did we give them permission to send us anything.

I feel bad for those who have had negative experiences with Liberty Mutual home insurance. I read those reviews after a tree fell on our garage and worried about it. But, we had an excellent experience. We have had Liberty Mutual home insurance since 2005. They are the only company who will insure our home because it was built in 1850. They are also the most reasonable insurers. This incident was the first home loss claim we have filed.

Water found in crawl space- not visible in Kitchen- claim approved. Provided check for flooring as one piece even though laundry room not damaged. Our Policy is expanded, full replacement, inflation protection- SC Endorsement pays for undamaged siding or vinyl when unable to match up to $15,000. We could find no exclusion for cabinets.

I have been with Liberty Mutual For Years. First I had my car insured with them. I have had some type of insurance with them since 1997. In 2012 I went with another insurance company but kept My homeowners insurance with them. Last September a Large tree fell on my house. To this day my floor still need repairing. Every adjuster that I talk to with this company is rude and nasty. I know if they are treating me this way they treat everyone this way. I don't think they know who pay their salary. Without the customer they would get paid. They talk nice when they are trying to get you to sign up. But after you take the policy they treat you like crap. But what they don't know what goes around comes around, I am thinking about call the media.

Liberty Mutual are crooks. Sold my house a week prior to when my policy would have been due. Unbeknownst to me, my mortgage company paid and renewed my policy. When I found out, I called to get a refund, but they will only give 25% of the full premium back. Kris ** was unapologetic. When ask to talk to her supervisor or manager, she would not, or give me their names. True insurance company, deny and hope we give up. So I guess it is ok to insure a house you don't own, but I bet they would never pay out. I guess legal action is my only recourse.

I have spoke with a lady customer representative this morning, 8/16/2018, because Liberty Mutual has added coverage to my Home Insurance Premium. I asked this lady that I don't want these additional coverage. What I want is for her to find a way to lower my original premium. I am a loyal customer, I hate to leave, but if there is a company that will give a lower premium, then we go to the lower premium. She said, she can't lower it anymore. My original premium was $1660.00 and the new premium will be $1874.00. I told her to remove this $1874.00 and move it back to $1660.00. She said, she cannot change it and I could go ahead and shop with other companies, "just call back if I find one." So I went ahead and shopped and found one, a little bit difference. I could have stayed at Liberty Mutual. But the agent in this new company, she was patient and treated me nicely.

After reading some of the reviews it's madding to see just how unlawful, unprofessional, and just plain inhuman behavior that thrives in their claims dept. My home was vandalized with chemicals, paint, household cleaners, eggs, feces and urine by one of the three felons convicted of my daughter's murder. The claim occurred in Feb of 2016. To date I've just been assigned the fifth adjustor. Hopefully this one will not accuse me of damaging my daughter's urn and ashes. I was steered and mandated to use a restoration company that was not qualified. When I requested another company I was told it's either them or no one. Liberty Mutual has paid them for services not rendered without my name on the draft. Something that the policy states would not occur.

Liberty Mutual was my homeowner's insurance since early 2009. First thing they increased my coverage without me having any idea that this increase coverage had even been fraudulently been placed. October 21st 2017 I was on my roof starting a home improvement project, "building awning over back deck and stairs" when I slipped on algae, and fell 21 feet. During my month long stay in hospital I reached out to L. M. for some assistance and was told that they were so terribly sorry to hear about accident, but there was nothing they could do to help me, medical, mortgage, nothing. So May 15th, 2018 disabled from fall off roof now, I returned home to find my house had been burglarized. Just to emphasize they even stole my flower beds, WOW.

I recently had a burst pipe in my condo, which caused my kitchen to be get flooded and ruined my cabinets, counter-tops etc. An initial estimate that was given to me by their inspector was just over a thousand dollars, which would not be enough to even do a quarter of the repairs required. The real kick was when two days post-inspection, a Liberty Mutual agent reached out to me to inform me that 3 of their experts have reviewed my case and agreed that none of the damage will be covered at all due to them deeming it a seepage and not a burst pipe (it was a hot water pipe, which is pressurized and experts should know that pressurized pipes don't seep, they can only burst). That's when I started feeling shaky about dealing with this insurance company.

We switched to Liberty Mutual 2 years ago for both homeowners and cars. After virtually no claims on insurance for 40 years, a county wide storm felled a huge tree, ripped shingles off the roof of the house and barn and pulled the heavy barn door off track. They had an out of state appraiser come in, we had an estimate and he agreed. Then the company said they would only pay half. The local office assisted and, after another estimate they paid about $1500. This year got a letter from our bank that escrow would be going up as our house insurance increased 25%. No word of this from our agent. I called and he said, of course, you used the insurance, we have to penalize you.

We asked for an extension of the work that needed to be completed on our house because of our need to caretake a family member who lives out of state. We have almost finished the siding on the house but we just had our insurance canceled. The letter from Liberty Mutual says that the insurance was canceled because we did not finish the siding by the original contract time period. Liberty Mutual appears not to be a company that is willing to meet the needs of homeowners today.

I have had a horrible experience with Liberty Mutual. I had roof damage from hail. They sent someone out who estimated roof size at 44 squares. The actual roof size was 61 squares. The independent service Eagle View showed it at 61 squares. The roofing company said it was not 44 squares, that it was closer to 61 squares. We agreed they would only bring 44 squares. They had to go back & get more cause Liberty was wrong. It took me 7 calls to get someone address this issue and it's still not resolved. They aged the home wrong & when I showed proof they said they were going to rate it monthly rather than annual, because they have that option. This is a very bad company - I would not recommend them at all!

Liberty Mutual is the best insurance I have ever had. I have heard horror stories from other people who have had to submit claims with other insurance companies. I had to have them cover storm damage to our house and they made the process easy. Also have them for car insurance. Someone ran a red light and totaled our truck. Again, absolutely no problems! Will not go anywhere else for our insurance needs! Awesome job!

My 92 year old parents have had Liberty Mutual auto and life insurance policies since the 1950s. A homeowners policy was added after 2000. Over all those years a few claims have been made on their auto insurance. On April 2018, a water leak was first observed in their basement and reported to Liberty Mutual on that same day. The claims agent refused any reimbursement for my parents because the leak had occurred for over two weeks. Allegedly, that information was received from a Ben Franklin plumber who did the work however, the individual who spoke with the Liberty Mutual agent was never identified when we spoke with Ben Franklin.

I bought my home in 2010. I have never had to make a claim so I am pleased with my service. I often wonder about the price but have been too busy to take the time to compare.

I cannot even begin to express how disappointed I have been with how our Home Insurance Claim has been handled by Liberty Mutual. We had a sudden water damage claim where much of our upstairs flooring was effected as well as our downstairs ceiling and flooring. All of our hardwood matched and was either contiguous, adjoined or connected by direct line of sight. Liberty Mutual is only willing to cover the floor that was directly touched by the water, which in most cases would be fine, except for the fact that they can't match our current hardwood floors. They want to put down transitions where transitions didn't exist before and leave our home with mismatched flooring that is "close enough".

Any insurance is great if you are lucky enough not to have any claims. In the 30+ years I have had Liberty Mutual I have only had a couple of claims that were adjudicated quickly. Service is outstanding and knowledgeable customer service reps.

What good is insurance if they don’t pay for damage to the house. The insurance rates have more than doubled, while the value of the house has dropped by half. Insurance is a scam.

This is available through my work via payroll deduction so get additional 10% discount. Never had major claim but small ones came out well. Only downside is no coverage for vacant rental properties, but not a common situation.

Initial coverage great, following year increase rates above other companies. They rated the roof for aging and after replacing metal roof rates didn't go down.

We have had Liberty Mutual Insurance for 10 years, both homeowner and car, for a while we had renters - renter and owners. We have had several claims. Claim #1 found out the upstairs bathtub drain was not connected to the drain pipe, flooded the ceiling and part fell down - with renters in the house. We were out of state, and had a $1,000 deductible. Called Liberty Mutual to report the claim, they had the mitigation company out the next day. They orchestrated the plumber for the plumbing repairs and all of the ceiling/ wall repairs and paint. The total came to $1017 so we decided to just cover out of pocket - but they got everything done for us in less than 2 weeks the house was completely put back together.

Adjuster left us with estimates he calculated and evidently only of what they wanted to pay for damages, not actual costs of repair. Then wouldn't release final payment of balance, cheap way of screwing people out of about 30% of claim. Have complained to my state Rep. Have meeting with Iowa Insurance division, oversight agency chairman, Doug ** first week in June. As I understand it, this practice could be defrauding Ioans out of funds due and payable under Fair Compensation Act compliance under their state license/permit. And to think all we wanted was the balance owed to us via claim. Not to mention the company has raised our rates three times to almost five times what the original policy cost was!!

They canceled my homeowner's insurance after being with them since 2006. They claim I don't stay in the home which I do. I still have a mortgage on the home. The people in customer service were unhelpful. They also canceled my auto insurance two years ago for no reason. Never do business with them!!!

Without any warning, I noticed a pool of water collecting on my beautiful hardwood floors, beneath my kitchen sink. Long story short, water had been collecting under my sink overnight due to some malfunction with the piping. I contacted Liberty Mutual, and the customer service rep was so kind and accommodating. Her first words were, "I am so sorry you and your family are having to deal with this sort of situation." As a skeptic, (I've had many negative insurance encounters), I assumed this was some sort of company jargon, and of course she could care less! Boy, was I wrong. Each and every person I encountered--from the call center, to my estimator, to my claims adjuster was kind, upbeat, accommodating, and resourceful!

really going to have no problems if anything should happen. WRONG, it took the adjuster 5 weeks just to get to our home. Never said anything, except for him tearing a huge piece of brand new carpeting out in the open for someone to trip over if not watching where they are going, I mean looking down, Brand new carpeting and the so called adjuster has not been heard of since.

What a joke of a company. With them for 10 years, no claims ever. They snuck inflation protection on my policy and it goes up every single year. I am now insured for 3 times what I paid for the house. Wind damaged the roof of my house. Shingles were ripped off and water was getting in. After 1 week they finally sent someone out. Another week goes by and yet no contact or reply. I had to have a roofing company come out to do repairs. Total was $7900. I knew it was gonna be between $5000-$10,000 for repair. Then of course after I paid out of pocket I finally got their paperwork and was told a total of $116 payment was paid to my claim. Guess what Liberty Mutual? I work with 3000 people and each and every one will be told to not to do business with you, thanks very much.

I had my home insurance with Liberty Mutual since 2007. In 2017 I discovered that the floor of my house is sagging. After calling them to see it, the adjuster they sent didn’t even bother to look in the crawl space, and said that it is sand shifting which is not covered by us. Later I called some foundation contractors, they peeked in the crawlspace and found a water leak that has been there for the past 10 years due to faulty plumbing work who didn’t even connect the drainpipe of the kitchen, so all the dirty water was dumped in the crawlspace. After notifying Liberty Mutual about the findings, they said that we don’t cover long term damage, they only cover sudden damage. They didn’t even pursue the case to make the plumbing company insurance pay for the damage, they left me alone having to deal with them. So, if you are counting on them to fix your damages for other than the sudden ones then just think again.

My credit union had been trying to warn me that I was paying too much for insurance. They went to raise my homeowners insurance again for more than $1,000 a year, and I decided to shop around. I found a much better deal with a great company, and I could take a vacation on the money I was paying over and above for less insurance with Liberty Mutual. I'm also saving $100 a month on my car insurance now. Their customer service even sucks because canceling my policy that I had had with him for 24 years I didn't even get asked why I was leaving, because they must know. They then had the audacity to send me a check saying that you pay your insurance in arrears which is the stupidest thing I ever heard. I would never waste your money with this company! It's like throwing money into a fire.

Have been a customer with Liberty Mutual for ten years...two houses and two cars insured. Last spring after 4 hail storms I submitted a claim for the roof on one of the houses...first claim on that property in the ten years I had this insurance, never a claim on the vehicles or the other house. Without sufficient notice, they hiked my homeowners premium over 300% to just under $7000 annually for a home insured at $120,000...took a $581 payment from my account for that property. When I called to find out why the astronomical price increase I was told it was statewide increase, which I find impossible to believe. Refused to refund the payment even though I cancelled the policy. Horrible, horrible way to treat a long-term customer. I WOULD NEVER RECOMMEND THIS INSURANCE COMPANY.

We recently purchased a homeowner’s policy through Geico, underwritten with Liberty Mutual. When signing up, we specifically asked the salesperson for some special endorsements to be added to the policy. We received assurances that the conditions we described were covered under the policy we were being quoted, so we proceeded to purchase the policy.

If I could give 0 star I would for this company. Since the last northeaster storm on Friday, March 2nd 2018 we didn't have power, heat, water and everything else because of a tree fell down and hit the house a little bit of the front roof, vinyl siding and water spout. Also brought down the electric wire. I called the same day the incident happened and guess what? We have to wait until today a week later and still no adjuster came. Matthew said he will send a field adjuster who is coming from Texas which is so ridiculous while we are here in New York. I asked him why isn't there any adjuster from NY. He couldn't answer. And not only that, I have two small children that I had to put them at their grandma's house and missed school because of this. I really really really would not recommend this insurance company at all cost. I will update my review again after the adjuster come and fix everything.

Liberty Mutual is not there for their customers and their advertising of they are there for their customers and not like other companies is bull. They take your money and won't pay out on legitimate claims. They find loopholes in order to get out of paying for claims. I will never recommend them to anyone. Very bad customer service and don't give a crap about people.

I signed up for Homeowners Insurance with Liberty Mutual and made very clear to them our property criteria and needs. They set us up with a plan to fit our needs only to secretly remove coverage each year through the use of Special Endorsements on the Main Policy. Unknown to me I was paying the same cost or more each year for less and less coverage.

Liberty Mutual has been our homeowners insurance carrier for generations totaling over 30 years. After knowing our family for generations for all this time and our minimal number of claims as would be expected, we did have a huge fire loss which was not on our home property but rather at a storage facility not under our control. This huge devastating fire occurred on Feb 18, 2015 at a storage building in Waterbury, Ct. and can still be found on the internet under Fire decimates 115 storage units in Waterbury Feb 18, 2015. We had 4 storage units at this facility where we paid approximately $500 a month in fees storing items both personal and for resale. Liberty Mutual claims that if you are selling a personal item such as a living room set, as soon as you list it for sale whether it is on Craigslist, newspaper, Letgo, OfferUp, eBay, or anywhere, it is no longer considered your personal property but that it is considered business property for sale.

I filed a claim last year for a little bit of damage caused by a broken pipe from freezing weather. The estimate to repair was $1,500 with a $500 deductible. So Liberty Mutual paid about $1,000 for this claim. Then later in the year when my policy renewed, the premium went up from 1,080 per year to 2,180 per year, more than the cost of the claim!!! Don't do business with these crooks unless you don't plan on using the insurance!

I’ve had my homeowner’s policy with Liberty Mutual for about 10 years. 6 months ago, I filed a claim for water damage in my basement because of a buried runoff pipe that cracked under my front yard. Liberty Mutual only covered the water damage ($2000) and not the repair ($10,000). I paid the ten grand out of my pocket, fixed my basement, called it a day. This morning I get a letter from Liberty Mutual stating that they are cancelling my homeowner’s policy because I am “high risk”.

Liberty Mutual has been great to me, until I elected to use their "preferred contractor" to repair the hail damage to my home. Rhino Exteriors is the company in my area that Liberty Mutual hired. I learned the hard way why Liberty "prefers" these types of low grade contractors. They use the cheapest materials available, and the cheapest subcontractors. I now have extremely leaky windows, and most of the oak trim in my home has been ruined with the overzealous use of spray foam by Rhino Exteriors because they REFUSED to admit they installed low quality windows. In short, Liberty Mutual is a good company, but NEVER, EVER USE THEIR PREFERRED CONTRACTOR REPAIR PROGRAM.

I have never filed a claim for homeowners in 28+ years of homeownership and the rip off artist at Liberty Mutual specifically the Office at 149 Plantation Ridge Drive, Suite 170, Mooresville NC 28117 704-360-1840 sent me a notice that sign the North Carolina Consent to Rate form increases my homeowners policy rate from 951 in 2017 to 1,344.00 a year which is above the state rate of 1,138.00. A thing named ** (he won't give his last name because he is a coward) made-up a plethora of lies to justify the increase in the macro, but could not give me a rational reason why MY insurance will increase above the NCRB suggested rate. They pull this maneuver one month before renewal to prevent people from looking up new insurance. I will NEVER do business with Liberty Mutual for any reason in Home or Auto.

My House was broke into on December 3. I contacted Liberty Mutual and filed a claim. Right after that I was contacted by an adjuster who told me he was going to process my claim... Right after I send in all my documents to the adjuster and was waiting to hear back from him I even tried to reach out to him on several different occasions. No luck. Then later after that I was contacted by some special investigators who was investigating my claim further. I gave them receipts and a police report. Still wasn’t good enough for them. So now they calling the stores and all kinds of things that I honestly think they shouldn’t be doing.

Glad seeing so many 1-star reviews meaning that I'm not alone. Had a minor leak from the roof pipe because of the heavy rain, which then grew worse after another rain. Filed the claim, they called back and said that since the damage was accumulating, they won't pay for it. Saw no desire to be on consumer's side, only a desire to avoid paying. Stay away from them. The representatives totally unresponsive, no help, no understanding. Find yourself another vendor.

We have been insured through Liberty Mutual for homeowners, auto and flood insurance since 2009. Each year when I receive my renewal policy, the rates have increased, without ever making a claim. For the first few years, the rates would only go up by about $100-$150/year, but for the last few years the homeowners rates have increased by about $500-$600/year! The auto has also increased, and we have no tickets, accidents or anything on either record.

I carried auto, renters and homeowners insurance with Liberty Mutual for years. The payments were auto deducted from my checking account. I cancelled the homeowners after no longer owned property. I don't look at amounts deducted so it took me a while to notice Liberty was still deducting for homeowners a year later. After speaking with customer service they denied me cancelling account. They refused to reimburse me and subsequently sent me a bill for premium after cancelling auto deduct.

Rambling rant ahead. Bought a home. Home is 60 years old. Home is stucco. Home is suburban. We were elated to move in after a very terse inspection process. LM sent out a noob to come photograph the house to find leverage to drop us. No, really. She admitted this was her 3rd house ever and was still new at it. She's photographing hairline—and I mean human hair width—cracks as "structural" cracks in the stucco as "water damage." Uh no, sorry. That's not structural.

I was with Liberty Mutual insurance for 3 years and every year my rate jumped up about 400.00 to 500.00 dollars a year. I had no claims, tickets or incidents. The reason they told me of the rate increase is because of all the claims everyone has filed from the storms and hurricanes.

We moved into our first house, and got Liberty Mutual through Geico before closing. A few days after closing, while we're still moving in, we get an inspection for the insurance. He assures us the mess from moving doesn't matter, he's looking for genuine hazards. A few weeks go by and we get an email saying we are LOSING COVERAGE due to poor upkeep of the property. I call Geico, who sent the email, and they explain that even if we do the repairs they require, we will still need to get a new policy from someone else through them, and Liberty Mutual may not give us a full refund of our prepaid yearly premium.

Liberty Mutual have No intention paying claims for Hurricane Harvey. I been with them nearly 30 years and I am so disappointed with the way my claim was handled. I had damages to kitchen cabinets from wind blowing rain water into kitchen window back wall area. Power outage 17 hours. The Adjuster shows up greets him at the front door let's him in. I turn my back walking toward the rear area in my home, I hear a flash from a camera. I thought that was odd, but continue to talk and show the adjuster the damages.

I bought a home and the title agency signed me up for this homeowners insurance. Six months later I learned it is charging me double what I should be paying. I cancelled and got another co. Now I want my refund. They are being VERY SLOW at issuing me a check.

After a plumbing mishap and water damage, LibMut sent in Paul Davis Restoration to quickly start drying in prep for demolition. An incompetent freelance adjuster delayed producing a settlement for a month so I paid for reconstruction myself. Not only did LM claim my repairs were only worth 30% of actual cost, 4 months later, Paul David (their restoration sub) wrote me they were owed $10,800!! Willful bad faith.

We had a house fire. It was started by a new dryer in our basement. Liberty Mutual sued to the dryer company. Got their money. We had paid Liberty for full replacement insurance for all contents. We receive 1/10 of what we were owed. I had just purchase a new computer and had the back off it, was adding new memory. They told us that the was broke and would not pay us anything. It was exactly 6 weeks old. They sent our clothes to their crappy (we had no choice) cleaners and wash everything together. All the clothes faded into each other. I had just purchase a new brown 300.00 leather bomber jacket, it came back grey and still smelled of smoke. All of our clothing was ruined. They did not replace anything. They told us to take or leave it. They sent out two 6'6" goons to intimidate us at Service Master. They told us if we did not shut up we would never get anything.

It was bad enough that my home was violated by some punks but what really makes the situation even worse is that I was questioned by the claims department like I was on the stand for capital murder... 95% of the questions that I was asked were regarding my personal life and the other 5% were about the break in. I understand that questions have to be asked but they need to come up with a better approach to the questions they ask the customer that has already been violated. None of these questions were asked when I paid my insurance monthly.

Liberty Mutual wrongfully and with wanton disregard turned my small home based business in to collections for 300k. They then sued me for 95k. After a year of litigation they agreed to settle for 2k. Die in HELL!

We had a long hail storm the other day and I called Liberty Mutual to see if someone could look at our house/car to determine if there was any damage and if so to file a claim. Imagine my surprise when I found out from a friend that simply BY CALLING, they consider that a claim and your rates can/will go up! I quickly was able to stop the house claim. However the car claim can't be reversed EVEN when NOBODY even looked at the car yet!! Apparently not all insurance companies work like this.

On 11-07-2015 while my wife and I were away our house caught fire from a outlet. There was not a lot of fire damage, but heat, suite, and water. At first they were talking to us then they said possible arson, they accused and threated us, my wife and I went and hired a lawyer. Our damages for house and contents was around $200,000.00. We had some antiques, new double oven and other newer appliances, not counting all of clothes, everything in the house had smoke and soot on and in them. They offered us $89,000.00 total in July 2016, we are going to court and they still have not offered any more than $130,000.00. Liberty Mutual should be investigated for the way it treats its customers. Plus they increased our premium from $1100.00 to $2500.00 a year. My wife and I are retired and I am disabled.

These people are the worse. They take your money and when it comes to paying a claim they try to find every excuse possible not to pay for certain things. The roofers had to remove shingles and in doing so had to remove part of the lower flashing of the chimney. Well Liberty Mutual does not want to cover the chimney work. The worse. Do not waste your time with them. Find someone else.

I had my house and auto combine with this company. Suffer roof damage, the adjuster forgot our appointment! We have to wait a long time and the claim for roof is awful! And not fair! We will change company which have better service.

The first of May I had changed my insurance over to Liberty Mutual. Exactly 7 day later a very intense hail storm hit my home in Colorado pitting my roof and vehicles. I had not entered a claim on the roof despite the 30 or so roofing companies that had stopped my house. I was going to wait a bit due to the large number of claims being submitted. On June 1st I received a email from Liberty Mutual stating that they are cancelling my policy due to "roof worn due to impact marks and granule loss" AKA HAIL DAMAGE!!! My current roof is less than 10 years old and was damaged from the hail storm. After speaking with customer service they agreed to send out a adjuster but my policy will still terminate July 5th. I would highly recommend against doing business with Liberty Mutual!!!

I signed up for a new homeowners policy with this company. They sent out this know nothing guy to look over my property. A few weeks later I get a call that my insurance is being terminated because of two reasons. My wood stove chimney was not cleaned. The guy never even looked or asked when I cleaned it. BTW - The chimney was and is cleaned yearly prior to each season. I had an old refrigerator with no doors on it by my shed waiting for the next bulk trash day to get rid of it and this was the other reason. They gave me no option to remove it sooner. This company can take their insurance and their products and shove them where the sun does not shine. I would not waste taking the time to let one of their hacks into your home. Go with a more reputable company. I called a more reputable company that same day and was insured immediately with no issues and for a better rate. Liberty Mutual is the bottom of the barrel. Horrible company.

When we were hit by baseball size hail in 2016. I spent 6 months of my life fighting daily with Liberty Mutual who paid out ACV reimbursement instead of RCV for damaged items and I only ended up receiving 1/5 of the RCV reimbursement. Liberty Mutual - our claim rep, and his Boss rarely returned phone calls, never answer emails and basically just blew me off. I was totally on my own fighting for my claim reimbursement. What a miserable and isolated experience to go through. Do not get coverage from LIBERTY MUTUAL unless you never have a claim to file.

So libertymutual.com doesn't cover much when your 150 gallon fish tank explodes and ruins the floors throughout your entire first floor... Including your iPhone and iPad and brand new Roomba that were charging on your end table and smashed by the tidal wave, and your newly reupholstered 120 yr old couch and of course the fish tank that was so cool a lot of people pinned the photo of it on Pinterest. They only cover cleanup.

Liberty Mutual is hands down the worst insurance company in America today. I had this insurer for two claims I was handling on behalf of Home Owners who had suffered loss due to hail and wind damage in Illinois. I worked 200 claims last year and Liberty Mutual insured two of those claims representing 1% of the claims for 2016. Is it coincidence that those two claims were by far the worst two claims of the year? Can I chalk that up to coincidence, or is this the practice of the insurer who simply refuses to pay out when a loss occurs? One claim in Troy, Illinois took 6 months of fighting to even get it to the point of making any profit at all on the work to be performed. The second was settled much quicker, but only because they were so bad at handling the claim the supervisor just accepted my estimate after the email I sent her.

We had put in a claim for a new roof in 2015 due to the ice dams that built up and ended up causing interior damage. The Liberty Mutual adjuster was friendly and knowledgeable. He examined the roof along with a contractor we hired to give us a free estimate. The contractor replaced the whole roof and also the interior wall around our 10-foot bay window where there was water damage. It was a very pleasant experience in all and the adjuster stayed in touch with us thru the whole process. Extremely happy with this company.

I cut my premiums (3 cars, home, renter, and an umbrella policy) by half. They have given me requested info expeditiously and their reps are very professional.

Only good experiences with this company for over 15 years or so. I had two claims and both were addressed promptly and fairly in consideration of my insurance policy. I would definitely recommend them. The two lower scores of 4 vs 5 having to do with cost/coverage is mostly because I have no comparison and as a Sr. citizen on a very fixed income, I feel like I am paying at my limit and rate keep rising.

I only recently started homeowners insurance with Liberty Mutual via GEICO Insurance. They are easily 40% less than other historically big name-founded insurance companies yet have same amounts of coverage for claims, etc.

Worst homeowners insurance company. Zero stars. I had Liberty Mutual homeowners insurance for over 13 years, never once filed a claim for anything and always paid my premium. After a hurricane came close to Oahu a few weeks after they did "random" home inspections. No one contacted me that they were coming. I got a letter saying my insurance would be canceled due to trees close to house and a rain gutter that was not secured. After contacting Liberty Mutual on the phone they said if I make the repairs and email pictures they would not cancel.

I had a blanket coverage for Jewelry. When I lost a few items they concluded the items stolen instead of lost and have taken more than six months to resolve, then they want to document it with their lawyer court reporter and bring all items on board that don't even pertain to your claim, like 3 years tax return, checking account history. Not worth the time to deal with the BS. After 1 claim they send in their pathetic unreasonable lawyer's.

All those looking for car insurance, do NOT consider Liberty Mutual. They told us that they would take automatic payments out of our account at the beginning of each month and then failed to tell us that they weren't authorized until we signed a form and sent it back. They failed to sent us that form in the mail. They failed to inform us that they weren't taking payments out like they said they would (I admit, we should have been keeping better track). They failed to let us know that they cancelled our insurance and had left us unknowingly without it for 2 months. They failed to mention that we owe them a certain sum of money and that they would send that debt to collections.

My husband and I have had Liberty Mutual insurance for a one year for auto and home. We received notice that both rates increased, especially the homeowners insurance. The rep informed me that "the first year we had certain credits (which we were unaware of) and now the roof, furnace and other home coverages are older. Just like a gallon of milk and a loaf of bread, prices go up." In one year? We have a ten year old home. We had no insurance claims within this year. He could not give me a justifiable reason. Same with the auto insurance. I have not had an accident in twenty years nor a speeding ticket. I live in rural Indiana. Yet my auto ins. increased. We are in the process of canceling coverage with this company. Sounds like rates will increase annually due to the roof getting "older" and my terrible auto driving history.

Customer comments here encouraging me to share you my experiences with Liberty Mutual insurance.

I had insurance with them for almost 2 years. I'm disabled barely making it. Never had a claim. They increased my premium without telling me and took it off my debit without even asking me. I ask why and the lady told me they had to pay out a lot for other claims. They made me short on my food that month. They really stood by me. The Salt Lake city utah office all they're about is money. Nothing else.

Start out canceling my home policy. They do not inform me about the changes that would affect my car policies and increases. When I called to get that changed they screwed that up and I didn't find out for another month and they would now refuse reverse fees. Now when I'm changing I don't insurance is. Now when I called to cancel the representative told me I was current and I want only thing but just in the slim chance that I would have a bill they would send me out a paper bill.

I called the claim department. The first person I talked to got the information, then transfer me to another person. His name is Robert **. So we started the claim. I told him I had 3 broken Windows. He asked if they happened at the same time, of course I told him the way they happened. He said "so then the windows didn't brake at the same time." I said "well not exactly." He said "well we are going to file 3 different claims" which the deductible is 500 hundred dollars per claim which means that Liberty Mutual will raise my insurance fee and I'm gonna end it up paying out of my pocket for the broken windows. I do not recommend Liberty Mutual. As they say in their TV ad I didn't pick the wrong insurance policy I picked the wrong insurance company. I have been their customers for about ten years and this is how they treat their customers - bad, bad, very bad.

Couple weeks ago, we had called Liberty Mutual for a leak that was coming thru our window panel. First we were told that this would be covered. Then we found out that the mold was over 14 days old so it would not be covered. From there onwards, this company has been nothing but a nightmare. The worst insurance company to deal with and the people working there are liars. Stay away from this company. I am cancelling their service.

Liberty Mutual sent their own contractor who filed damages that weren't there. The damage I had from a tornado were classified as preexisting and I had to argue with them and produce pictures to show the condition of my home prior to storm. Thank goodness I take pictures all the time.

What happened to the American people helping one another? I have had Liberty Mutual for over 17 years and never once filed a claim. The past month has been hell with them. I had water damage that I found out created black mold and crumbling rot. I took care of half of my roof project last year as I couldn't afford to do it all. This past month was where all the damage occurred. I spent $17,000 on this as I was out of state and the company had my whole side of my house open due to black mold and rot.

My husband I cancelled out insurance with Liberty Mutual over a month ago. A check was supposed to be sent back then for mortgage premium. I called twice inquiring about the check and girl told me yes it was mailed a few days after canceling. Now a month later my husband calls... check was mailed to an address we had 6 months ago in another state! Yes, I'm angry. Last days she needs to reinstate policy to correct the address. Address in the other state was NEVER given to LM and never insured under them. How and why did that use an address that was 6 months old in another address. Then a man calls back this morning and says that I owe for our auto policy, also cancelled a month ago. I explained that refunded me at the time for that policy as well and now that want a payment. Don't insure with Liberty Mutual or watch your billing and policies VERY closely!

House had a kitchen fire in May of 2016. It is now October 18th and Liberty Mutual has run me through 3 investigators and last week they actually sent me to their lawyer to be deposed under oath! They are not accusing me of anything, nor was the fire my fault. They have raised my premium over the course of 6 years from $1,100 to $2,400 and the recent claim has been my only claim. Five months since the fire and Liberty Mutual is not there to help. I am without a house, and apparently I have to start begging friends for help to get my house fixed.

We purchased a Home and auto package from Liberty Mutual about 3 years ago. During these three years, we have never had a claim nor have we had any tickets. We noticed last year on our homeowners it went up, due to inflation. Ok fine. Then this year in June my auto payment that is taken directly from my acct went up. Not just a little, A LOT! So I call them. Our vehicle policy went up $650 a year. Never having a claim or a ticket, I'm furious. Their only explanation to me is it's a State Increase. Even the lady I talked to thought it was a bit extreme. So we find a new insurance company, Nationwide, who ends up getting us a policy for almost &1000 dollars less than what we were paying. That's not the end... we call Liberty Mutual to cancel our policy September 1st. They say we owe them for September for auto and will be receiving a final bill.

I got a letter from my home loan company about my escrow being -2500. My home insurance last year was 2100 and went up to 2400. I called to tell them I wanted them to lower my replacement cost. I bought my house for 136k and their replacement cost was 526k. They wouldn't lower the replacement cost so I called Allstate. In 10 min I lowered my premium to 1400. They are rip off artists. Also we had a hail storm and wanted them to come check out the damage and they said if they come out I will get a hit against my insurance even if no damage.

Never had a claim so I can't comment in that area however, if you're looking for a company to increase your rates annually, Liberty Mutual is the place for you. Been with them 3 years now, every year $200.00 premium increase, and they weren't cheap from the start. Currently looking for another company.