Liberty Mutual - Homeowners Reviews

I want to share this disappointed and really uncomfortable situation. By the end of August I got a backflow due a malfunction of my sump pump, during the middle of the night and just myself and two small kids. While I was trying to wash my 1 year old daughter I noticed that no hot water was coming from shower, so I decide to check the water heater. As soon I open the basement door I hear a strong noise coming from basement. Then when I turn the light the entire basement was flooded.

I didn't write down the male agent name that I spoke with. Everything was pretty straightforward as insurance quotes go. Until he asked if I had an animal on the premises. I advised I have a dog inside, a mutt. He immediately was suspicious of breed. I said that I always say a West Highland mix. I said I saved her from a high kill shelter. He didn't care about that information. He wanted to know what she was mixed with. I said a terrier. He wanted to know what kind of Terrier. I said she is not a Pit Mix. Although my neighbor has a Pit and he is sweet. The agent needed to know what type dog to go forward. I said any company this ridiculous that I had not experienced before is not for me.

We had two weather events about a month apart and our roof was damaged. When we took the policy with them about three years ago, I advised them that their "replacement cost" for our home was almost double of what it would actually be. The guy I was speaking with replied that the amount would make sure that our home was built back and for no other reason.

I have had Liberty Mutual Insurance for over 13 years and I recently had to file a claim for the first time. I was given an adjuster named David and he was awesome! He walked me through step by step on the claim and called several time to see how things were moving along. These folks are true professional and I couldn't be happier with the with they provided me. Keep up the great work guys. I will never use another insurance company after my experience with Liberty Mutual. Thank you!

I have become increasingly suspicious of this company. I insured with them a year ago and advised them that my home had wood siding. I told them at that time that it was going to be entirely replaced with cement board siding. The salesperson told me to notify them when it was completed and my house would be re-classified as having masonry siding and it would result in reduced premiums. When I called to advise them that the project was complete, I was told there was no difference in premiums (except a 45.00 dollar a year reduction for replacement cost). How can this be? A masonry sided structure insures the same as a wood sided structure? Even the local fire chief finds this as odd.

When it was time to renew my homeowners insurance the other day I went online and entered what I was looking for and before I navigated off the web page I received a call from an insurance agent with Liberty Mutual. He was obviously from out of state which set off a couple of warnings. We went over what I was looking for, homeowners only with no autos added. I had just renewed my auto insurance a month before and have no reason to change. Sure enough the agent tried to sell me auto insurance at an inflated rate. After I told him no, only homeowners he took all the information, verified it with public records and then he tried to get me to purchase insurance at 3 times my home's value at $115.00 more than I was already paying.

I had Liberty Mutual for about 12 years then switched when my agent went to another company. I was with the other company for the last 8 years. My wife and I thought we should check around on pricing to see if we were still getting a decent deal. LM gave me a better price on both my home and auto so we switched, worst idea ever. After 1 month I received a letter stating they could not insure my home due to a set of deck steps without a railing, siding missing on my garage and debris in my yard. I called LM and they stated to fix those items and submit pictures and they could keep the policy in place.

I'm sorry to bash but people need to know. Liberty Mutual sent out an adjuster to see about damage to my roof from a storm we had earlier this year. I decided not to make a claim after the inquiry and never asked for one cent because their estimates were totally unrealistic. I sold my house and am buying a new house. I'm looking into insurance quotes and all of them are super inflated. I then found out that they placed a claim on my record and are refusing to take it off even though I didn't follow through with it. The company policy, and their definition, is that a claim inquiry and claim are the same thing if damage is found to have occurred, whether you use your policy or not. How shady!!!

No insurance adjuster for 7 days after fire, because it was 4th of July holiday, hired restorative company who did not pull proper permits.

Liberty mutual insurance has all these commercial sites about being the best and all. But I purchased insurance for my cars and home. They clearly told me my deductible on my house was 1000 on everything. I asked the agent three or four times. Then a couple months after a wind storm come by damages my shingles. The adjuster approved for the roof to be replaced. I was going to get 6,900. Then liberty mutual calls me and tell me my deductible is 5%. So instead of 6,900. I get 2,300. Now tell me how in the hell do I replace my roof with that?? This company lies and WOULD NOT recommend to anyone.

I had been a customer of Liberty Mutual for 43 years. Before me, my family was with this company for another 35 years. This year I reluctantly allowed Amica to review my coverage and rates only to find Liberty was double the newly quoted rates. When I inquired, I was told "the rates were the rates." Besides the higher cost, service by Liberty had steadily declined with errors on my account, missed coverage and even now poor follow up after canceling my policies. The young man handling my account did not forward the notice of new coverage since "it was not his responsibility." It is a disappointment. Bigger is not better. I guess loyalty does not have its rewards any more. I recommend anyone with Liberty have the insurance reviewed annually.

Liberty Mutual Insurance Company entraps a homeowner policy owner who mistakenly makes a claim for an excluded loss!! The entrapment happens when the policyholder calls to report a loss and doesn't realize it is excluded from the policy. The "Claims Intake Person/Robot" doesn't bother to ask if you know whether it is excluded or not. I'm not a lawyer or insurance professional and didn't know my policy excluded my loss and didn't think to ask. Once the computer keys are pressed to input a "claim" for something not in your policy, an irrevocable report, like a black mark, is out there for every insurance company in the nation to see, coast-to-coast. In my case, Liberty Mutual made ZERO payout. Doesn't matter--the national "REPORT RECORD" doesn't show that and your property is BLACK-MARKED!!!

I called to get a quote for homeowners insurance on a home we just bought. The agent was sassy to begin with but I can handle that. So they began by asking about the house, garage, and then to the household. She asked how many adults, we said 2. She asked how many children, we said 3. Next she says "how many pets," answer is 1. The next question is "what kind of dog," reply was pitbull. She say "Oh we don't cover that kind of dog at all." I say, "Shouldn't that be discrimination because they were removed from the vicious dog list in Ohio." She says to me "We make the rules, not you..." And then she hangs up on me.

I spent 30 minutes on the phone with Liberty Mutual in hopes of having cheaper insurance. They quoted a higher insurance premium but we continued on then see what the home insurance would be. The very last question for the home insurance was if I have a family pet such as a dog and I said yes. They asked what type of dog and I said a pit bull. She is 14 years old. The guy told me they are unable to insure my home because I own a pit bull with young children in the house. I let him know they have lost a customer for life with or without having a pit bull.

My home got burned down and I filed a claim with Liberty Mutual. Liberty Mutual dragged it for almost a year and denied it for false lame excuses fabricated by the Liberty Mutual. In my opinion the Liberty Mutual is the biggest fraud insurance company in the world. I will never do any business with them. Liberty Mutual is a dishonest and discredited and a manipulative homeowner insurance business.

I have never written a message like this and really am sorry to have to do so, but I am so very disappointed with Liberty Mutual Insurance Company. I had insurance covering home and autos for over 20 years. I moved last year and requested to continue my coverage. I received a call letting me know they approved my move, but I wasn't aware I was to expect to sign all kind of documents to bind the coverage. After all those years I wasn't sure what the process was, but depended on them to make it work. Evidently they tried to call me and my voicemail was full. However, they had my "approval" to move forward. They never sent the information and without knowing it I didn't have coverage from July 2015 to the time I made a claim for a scheduled item lost in the move. That's when I found out I had not homeowners insurance coverage at all.

We had a leak in our roof and called Liberty Mutual to come fix it. The contractor they sent out was crap! He didn't even go into the attic! He just looked at our ceiling and said it was the air conditioning. Refused to actually take the time and look into the problem. We called our agent and she became rude and unwilling to send someone else out after we explained what had happened. So we switched insurance companies. After this past storm it started to leak again so we called our new insurance company to come and check it out. Turns out, out entire roof needs to be replaced as well as the ceiling!! This problem showed signs of having been there for a while but the recent storm made it worse! All of this repair we now have to do could've been much less if Liberty Mutual did their job!

My husband and I decided to finally shop around for rates for both homeowners and auto insurance. We have been with the same insurance company for quite some time and have had no issues. However, we thought it may be financially smart to make sure that we are getting the best value for our money. As such, we decided to call Liberty Mutual. Unfortunately, we had an AWFUL experience. Particularly, an agent by the name Keith ** was very condescending! Instead of taking time to explain their process, he was unprofessional by finding humor in my questions. When I asked to speak with a supervisor, he hung up the phone. Little did he know, I called back in order to submit a complaint regarding my experience. The supervisor was very kind, attentive and professional. However, Keith gave them a very bad first impression. Needless to say, we will not be moving on to Liberty Mutual.

Last year my son and I switched all of our insurance to Liberty Mutual. Agent was accommodating and fantastic! We were making the switch from Nationwide on homeowners and auto because of exorbitant rate increasing. Agent was well aware of this and assured me that their rate increases would never increase more than 3-4% per year as compared to the 15-25% rate increases from NW. Just received renewal notices and over a 25% increase in homeowners rates. LM Greensboro branch manager explanation blames it on NC regulation. Was told my agent would help mitigate this problem. Instead received a non-renewal notice because I refused to sign the "Consent to Excessive Rate" increase letter required by NC, I think for them to charge rate that exceeded allowed rate increase. I was still waiting for the agent to mitigate, and this is how I was treated. Maybe he was glad I wouldn't sign it yet and he didn't have to deal with it. I don't know.

Lost jewelry. Mutual Liberty's service was efficient. However their appraisal process significantly undervalued item compared to independent appraisal we had. When attempted to resolve through the agent. Never returned call. Stay away from this organization.

During the recent heavy snowstorm, my basement was flooded after ground water came into the house causing ice to get into the ground pipes that all caused the sump pump to stop working. The flooding led to my furnace and hot water heater to stop working. This all happened in the dead of winter a couple of weeks ago. After we realized that there was too much water for us to remove from the basement and that things were not working, I contacted Liberty Mutual. In the course of a week with no heat nor hot water, I talked to 7 different reps. who told me differing things. One, I had to get a plumber to remove the water and determine the cause of the flooding. I did that. Two, some reps told me that I would be covered because of the sump pump not working but others said there was no coverage.

I spoke with Liberty Mutual agent about changing my homeowners policy from rental policy to main residence policy. He gave me an outrageous quote, which was over $400 more than the one for a rental home. I told him it should be less, not more. We argued about it and he gave me a lot of bogus reasons. It was so high. This caused my house payment with escrow account to go up by $47! Now I have received a refund check for $687 because of the overcharge. Thank you Liberty Mutual, however you need to fire that agent. I had asked to speak to a manager, however, would not allow it plus said the manager would give me the same quote. I have been with Liberty Mutual for over 15 years and have had my auto and homeowners policy with them so I am appalled with how I was treated by that agent. I appreciate the refund but would have preferred a lower house payment!

We have had this insurance company since 1984 covering our 5 homes. In 2012, the lower floors of 2 of the homes were completely wiped out by a large water main break. The party responsible came in and removed all the damaged property (floors, lower 1/3 of walls and personal items) and never returned to reinstall anything.

I do not recommend LIBERTY MUTUAL!!! They declined my claim! Read the exclusions and small print. If you have a leak and do not notify them within 14 days, they WILL NOT pay you. I am a 100% service connected disabled veteran who proudly served my country for over twenty-six years and I am retired, and stuck with having to pay out of pocket for everything. I have lived in Arlington, VA for about ten years. I have a secondary home in PA. I changed my insurance in 2014 to Liberty Mutual (The worse decision). I did ask about flood insurance. The agent looked it up and said it was not a flood area and I would not need it.

In 2009 I purchased a Flood Insurance policy with Liberty Mutual at the direction of the mortgage company at the time because the property was in a flood zone. At some point over the years that changed and FEMA designated the property was not in a flood zone. The bank was notified, nobody notified me, Liberty Mutual continued to tell me I have to have the insurance. I believed them. I am paying $1,800 for flood insurance now that I have had to carry for years per the instructions of the insurance company. Even today they refuse to cancel the policy although the bank has forwarded me documentation of the change in zoning, which has been forwarded to Liberty Mutual. They refuse to give me any money back. They refuse to update the documentation they are viewing as they explain to consumers what is required insurance for them to carry.

First off, you are rating an insurance company that you have never filed a claim with, it is not the same thing. If you are never planning to have anything go wrong and need to use your insurance company but just want to find someone to give your money to who can take it with no problems, then reporting that your insurance company is great is fine. But if you are trying to give advice to people who actually want to insure their home, don't write a positive experience based solely on their billing or customer service.

On December 26, 2015 I had a hot water pipe break and it flooded my house when I was out of town. I first started with a bad (subcontracted) claims agent that delayed drying the house out for so long that the mold level was incredible. They soon replaced him with one of their own claim agents and because of the level of damage, they waived all my limits. The house had to be gutted and treated before reconstruction could take place. They put me up in a furnished apartment until the house was complete. As of Nov. 25, 2015, I am glad to say that, the house is now complete. It was a slow start but Liberty Mutual finally came through for me and I am happily back in my home

I was insured by GEICO, but Liberty Mutual was the company that underwrote my homeowner's insurance. On April 2003, my home in Albuquerque suffered a loss due to water seeping from the roof while I cared for my terminally-ill Mother in Miami, FL. I rushed to Albuquerque, leaving my Mother in the care of a cousin temporarily in Miami. The damage to my home was considerable. Liberty Mutual has a SLEAZY way (at the time, don't know if this practice continues to date or not) of only giving you 50% of your total claim and DO NOT DISBURSE remaining monies until the work on your home is complete. I COULD NOT remain in Albuquerque while the work would be completed, and had to return to Miami, FL to continue taking care of my bed-ridden and oxygen-dependent Mother. My Mother passed on September 3, 2003, but by that time the period that Liberty Mutual gave you to complete the work of course had not been done.

Never a problem with these people. I have had home and automobile coverage with them for about 40 years and as a result most of my family and friends use them. Going back through the years I have had claims and times where assistance was needed. There is always someone there to help you with any type of situation.

We have been with Liberty Mutual for 7 years and in that time they have raised the policy value by over $600. We have never had a claim with them. They had bought out our policy from a previous company and then the rates went up and up. We just recently learned they are no longer in our regional area and so instead of notifying us they had left the area they just raised the rates. We have recently begun the search to insure under a locale insurance company so we have a local agent.

My homeowners insurance is very expensive. However, adequate coverage is provided and a replacement home can be completely built if there would be a fire or other disasters. The insurance agents are very professional and whenever I call, provide me with useful information. I have learned a lot from Liberty Mutual regarding types of roof and compete coverage. They have been very helpful on trying to provide discounts to reduce premiums. I have had to file a claim several years and the process was very quick and the payout was very quick. The website is very user friendly and efficient.

They have been very quick to respond to policy change requests as well as inquiries regarding policy coverages. Phone calls have been promptly returned and/or answered immediately upon the first call. Billings have always been clear and accurate. The policy renewal process has been quick, easy, and very timely. Rates have been quite competitive with other carriers for similar coverages. Communications from the company have not been excessive and have been clear and informative.

I have only put in one claim a few years ago and I thought at the time that it was handled quickly and without any problems. We had a small leak from our roof and had to have someone come out and fix it right away and since it was on a weekend that the roofer came I wasn't able to call the insurance company until Monday and within 3 weeks they had mailed us a check so I would highly recommend them if you were looking for a good insurance company with no problems.

I get quick response to my call, and they know the answer or get it asap. Very happy with this. I believe their prices are fair and they try to help me save money on things I do not need. They inform me that I should have certain items listed, which I didn't even think of.

I have been a Liberty Mutual - Homeowners client for 45+ years. This past January we had a flooded basement and filed a claim. When I received a statement showing my new premium, it showed an increase of over 50%! Needless to say I am outraged and may drop all my policies with LM.

I have life, auto and home insurance with Liberty Mutual and have always been please with the service they provide me as well as the rates. Their customer service is great and the online bill pay for all of my policies really makes it simple for me to pay the bills on time.

Very friendly local agent who helped me through the process of changing my auto insurance from my old provider to Liberty Mutual. I wanted to bundle my services and they definitely saved me money when I got both homeowner's and auto insurance through their company. I haven't had a claim yet but I have total confidence if I do that they will be helpful. They were able to match my previous provider's low rates and made switching easy. I have my premium payments automatically deducted from my checking account and that has been very easy to handle as well.

Liberty Mutual has been a very good insurance company for us. They have given us discounts where applicable and have been very prompt on any questions we have had. Although we have not filed a homeowners claim with them, I feel they would be here to support us in case we had a need to file a claim or had a catastrophic loss of property. We just recently purchased a new home, and have a new agent, who was helpful in reviewing our old policy and revising our new policy to fit our requirements for the new house. Overall we are very pleased with our new agent and Liberty Mutual.

The gave us the most coverage for our money. Very happy with them. They understand our needs and wants. They explained our policy to us. Our deductibles are not outrageous. Liberty Mutual is a great company and would not want to change insurance company. We also have our car insured with them and also very happy. They have a very low rate for our 18-year old son. They gave us the best deal and we looked around. We check prices and compared them to Liberty Mutual and they were the lowest and have the best coverage than any other insurance company.

Recently one of our trees toppled down onto our fence and into neighbor's yard. It broke our fence and there was a lot of work involved in getting tree cut down out of neighbors yard and our fence will have to be replaced. I was sorry to hear when speaking to our homeowner's insurance that it was not covered. At this time it is the only time we have had to call on our homeowners insurance with any questions.

I have had this homeowners insurance for several years and I am pleased with it. This company is a very reputable company that has a long history of helping people handle claims easily and quickly. The customer service of this company is also very good with knowledgeable staff always ready to help.

So far I've been overall satisfied with my insurance. I think it offers good customer service and a fair price. I do think that after being with this company for years I should be getting more discounts. Insurance companies should reward good loyal customers so they can continue to use their services, since there are lots of options out there.

Today I got a notice in the mail that my policy was being cancelled due to a report given on an inspection done. The report stated that I had branches hanging over my metal roof and also over the shed roof. I had just bought this home two weeks before the inspection was done, so had very little time to fix these issues. Instead of giving me a chance to do so, they completely discredited me and decided they would no longer cover me. I could not put in and appeal or get a new inspection done, they said I could do nothing. As far as I am concerned that is the most unfair and disrespectful reason to no longer give coverage.

Liberty Mutual is incredibly helpful when it comes to insurance. They are always there to help answer any questions that I may have regarding my coverage. I know that because of their expert employees that I will always receive a prompt, and concise response.

Home burned down... surprise we cancelled you 2 weeks ago! Switched home and auto to Liberty Mutual in June... our home caught fire mid October and I call them and they said "oh we cancelled you on September 30th due to underwriting reasons" and our premium was paid up!

Had 2 autos with them for over a year paying 180 a month for. Also have homeowners with them as well. Had storm damage and lots of electronics fried. Was told on a Friday to throw items away. Check in the mail following Monday. Monday, get a call saying some specialist was coming to look at items to see if they can be repaired. I threw most of it away. He came and looked at what I had left and said, "Nope, not repairable." Then I get a call that the next Monday they are doing a statement with investigations. Delays, delays, delays. They have pics, all receipts and the guy who looked at what was left. Call your local insurance commissioner and file a complaint.

I love the car insurance ad you folks have on TV. It's not your fault but your insurance wants to give you a half of car, too bad if people like me. Thanks. Your homeowner's insurance works the same way. Lightning struck my home and your great company let me know that my homeowner's insurance would increase from $939. approx to over 1200.00 a year. So I guess the lightning was my fault. PS you folks in North Carolina beware of that claim these people make about giving you a new car. Read the fine print carefully. This company is a loan company just like the rest of the so called insurance companies. You're a great customer just don't turn in a claim or let lightning hit your home... Your great customer.

Liberty Mutual is the worst insurance company. They put a lot of money in advertising and very little into actually helping customers. They find a way to turn every damage into "wear & tear" and not pay a dime. When I purchased my policy I specifically asked if my roof will be covered from weather damages such as fallen trees, hail or anything else weather related. They said yes. After paying my bill on time for 6 years with them I filed a claim for my roof and they refused to acknowledge that damage existed from hail and storm and said it was "wear & tear". Wasted my time and peace for 6 months with them.

I've been in my home 12 years and it was new construction when it was purchased and out of nowhere, I got water in my basement June 2015. Liberty made me get someone to determine the "reason" for the water. Meanwhile, they sent a guy out who looked and he took pictures and then told me on the spot it couldn't be covered because it was considered "ground water" and not something that insurance covers. Within 5 days or so, I was able to find out that my sump pump wasn't working --- doesn't that explain why water got into my home?? When I contacted insurance, they still concluded that was not the reason for the water getting in. Why didn't they send their own professionals to make a real determination. Instead his pictures showed water was not pooling around the sump pump area, hence, that was not the "reason" for the water.

Let me first say that I have been a long-term customer (over a decade in three different states) of Liberty Mutual, so the company's treatment of me is very discouraging...Buyer beware! I have just moved from Ohio to South Carolina and purchased a beautiful 95-year old Craftsman home in a historic district of Anderson. After paying a year in advance, I receive a letter stating that I am being dropped from coverage; an inspector has cited me for not having a sufficient railing on the front porch. Since this is a historic home any changes to the exterior require permission from a city board.

Last fall I called Liberty Mutual to ask some questions. Of course the phone rep couldn't answer them so they sent out our regional claims person. I walked him through the house with questions, that is all and I made it clear they were questions only. He wrote up that we had major issues with our foundation, our second floor had framing issues, our garage was off its foundation, and that we had mold! He opened a claim too - of which we were never informed. LM never sent us any information until we received a notice of pending cancelling our insurance until major work was done. They wouldn't send someone else out to verify the accusations. I argued with them for months, then finally hired a structural engineer at $2,400 to verify our house did not have foundation or structural issues. Called after I sent it in and was told all was good.

Buyer Beware! I have had home insurance with Liberty Mutual for over 10 years. The one time I filed a claim they only partially paid for the damages to my basement. I have yet to receive the payment for my carpet that was damaged. My insurance rates have continuously gone up as if I am paying them back for the amount they gave me for my claim. Each time I hear their commercial about the auto insurance I simply shake my head because the same rules obviously for me doesn't apply. I have wrote to this company to "complain" but I haven't received any response. Seems like every six months this company is raising my rates or adding something. I know that it's time for me to leave this company and believe me I am looking.

I purchased homeowners insurance from Liberty Mutual for several years. Each year my rates increased significantly in spite of filing no claims. The final year they wanted to raise my premiums over 20%, again in spite of zero claims. I called the company to try and get some idea as to why and they performed a quick assessment over the phone. This assessment indicated they would need to increase my premiums even more. I informed them I would not be renewing at that time. I received several emails indicating that my policy was about to expire but thought nothing of it, as I had informed them I would not renew and just figured the policy would lapse. They have now turned the matter over for collection to a credit collection service. I have never been late or missed a payment in my entire life. Stay away from Liberty Mutual. they are sharks, bottom feeders and blood suckers all rolled into one IMO.

We had a flood, water flowing in from everywhere through the sewer and walls. Everyone in my neighborhood was affected. I called LM right away and was told to call a water mitigation company and was given three different companies to try. They gave me a claim # and said to tell the mitigation company to send the bill to LM. So I did. After the clean-up crew came and went, I finally heard from my adjuster 4 days after the claim was filed and told that they wouldn't cover anything, not the damage to my property or the mitigation. When I told the adjuster I called the mitigators at THEIR direction, he didn't believe me and said he was going to pull the recording of the call. The next day, he called, said he listened to the call, and they said no such thing and are refusing to pay. I asked for a copy of the call to be sent to me and he said he's not sure if they are allowed to do that but he'll see.

I have been a Liberty Mutual customer for years. I had homeowners, 2 cars, 2 ATVs, and a motorcycle through them. Last year a tree went through the corner of my pole barn. No fault of anyone. I placed a claim immediately. The claim was approx. $3,500. It took 2 months to get it handled even though an adjuster never showed up. Now I get my policy renewal. It went up over 50% - $896 to nearly $1,400. No way am I staying with Liberty Mutual. I already switched my auto insurance to the GEICO. Actually went from $1,200 per year for 2 cars to $640 a year - Not a typo. Almost half off. I am in the process of switching my homeowners, motorcycle and ATVs. My credit score is over 800 and I only had one claim. I might as well have paid my own damage if they are going to raise the premiums 50%. RIP OFF.

Liberty Mutual Ins. cancelled my Auto Ins. because they refused to direct bill us and a payment amount direct was made and processed late, thus cancellation. Since both HO and Auto with Liberty Mutual were priced together, we cancelled both together on April 3, 2016 and notified LM. LM forced the hand and we quickly obtained new Ins. with AAA effective 4/3/16 ** with AAA Insurance and also notified our Mortgage Co. Wells Fargo at the same time.. Liberty Mutual claims the two policies were not tied together and that we never cancelled the policy. That is a blatant lie. Service, pricing and customer service has been very poor. We will not pay one dime to this company and have notified our legal staff. Enough said.

Liberty Mutual insurance refuse to pay for pool water damages because they don't visually see the damage. What about chemicals in the pool water... stay away from this company. If you have problem contact your state insurance commissioner to file a complaint.

After receiving unsolicited mail from Liberty Mutual about homeowners insurance, we decided to contact them about coverage because our insurance co. at that time was raising our insurance coverage and was trying to get away from covering manufactured homes. We told the representative we were in a manufactured home and wanted to see what our cost would be. The price seemed very reasonable so we went with them. Today we called to check on coverage for earthquake coverage also. One thing led to another and we found out they do not insure mobile or manufactured homes.

If your policy reads "Backup of Sewer and Sump Pump Overflow Coverage" and you experience exactly that, a backup of your sewer and/or a sump pump overflow, Liberty Mutual will not cover it. In the midst of the many pages in the policy, they will find "an exclusion" (the fine print that they hang on to turn you down) to deny your claim. I thought this company was different based on advertisement but they turned out to be worse than others and, obviously, I am not the only one. Their auto insurance also has many unsatisfied clients. I guess you can advertise anything without backing up your claims....

When Liberty Mutual reached out to me to apply for their homeowners insurance, I was willing to do so because I have been happy with their auto insurance. After committing to their homeowners via written agreement and first month payment, AND written cancellation to my current insurance, I received a cancellation notice from Liberty following their home inspection. My home is newly renovated, therefore its appearance is neat and tidy, with curb appeal and no visible reasons for a cancelled policy. Their reasons included a missing railing, moss on part of my roof, and a branch that just barely over hangs a corner of my roof, and is nowhere near touching the roof. I called and expressed my concerns and aggravation.

I applied for homeowners insurance (HI) after my old company raised my premium by $200/yr. with no claims. I went with GEICO since I like their car insurance. Unfortunately, GEICO routes you to Liberty Mutual (LM). LM was happy to give me a policy with better coverage for $600 less than my old policy. After a few weeks of coverage, this fellow showed up at my house with a camera. He told me he needed to take pictures of my house for LM. Two weeks after he was over, I got a letter from LM letting me know they were cancelling my HI policy. They gave me reasons: Overhanging branches, chipped paint, exposed wood, detached gutter. I laughed out loud at this absurd nonsense when I read the letter.

Recently changed insurers to save money. All is well until 2 weeks later they contracted with an inspector to come and do an inside and outside inspection of my home and property. The inspector spent about 5 minutes taking pictures and left. Two weeks later I get a 30-day cancellation notice from Liberty Mutual indicating that based upon the inspection, my homeowners insurance is being cancelled because of the condition of the property. The following items were noted:

Went through hurricane sandy. Now my house needs to be raised with icc funding and they are refusing to pay. Have been a customer for 15 years.

When I purchased my house I contacted several potential servers and did not go with Geico/Lib Mutual because they were the most expensive. Instead they call me to confirm my homeowners with them and I have REPEATEDLY told them "NO I have not and will not use them." I get multiple bills with amount I owe for homeowners policy. I have signed NOTHING. I now have called, written and still they will not leave me alone. They seem to think that regardless of what I feel that I must be a customer, NOT.

Liberty Mutual is the worst insurance company. They falsely created a homeowner's policy, without my authorization and they refuse to close the account. I've been dealing with this issue for almost a year now. If I could, I'd sue them.

Liberty Mutual is the worst company I have ever had the misfortune of dealing with. In 11/12 a busted pipe caused mold in our home. When we saw a little bit starting to grow they sent a company out to inspect. We were told that this company cleared our home of any mold. That was a complete lie. At the time I had no reason to doubt their word. If a supervisor tells you that you have no mold I had no reason to doubt her or any idea she would blatantly lie and put my families lives in danger. They cared nothing about my baby or children, they only cared about saving money. This company has acted in disgusting faith. During that time my husband was arguing with the adjuster that you could see mold growing. It's in the pictures! They insisted that pdr cleared my home of mold.

Liberty Mutual Insurance Group of New Jersey are a pack of Thieves. As a victim while a passenger in a private automobile, we were rear ended. From the onset of my claim for injuries Liberty Mutual did everything possible to Delay, Deny and Defend the provisions that my auto policy was to provide. They even went as far as sending me for an IME with an Retired Orthopedic Surgeon only to have me examined by a Fraud. It turned out to be not an Orthopedic Surgeon but his son a Laser Hair Removal specialist who assumed the Identity of his 82 year old father. But they were caught in this fraud, all caught on video. We are waiting until after the Civil Trial at which point charges will be filed against all involved. My advice never insure with Liberty Mutual - "A pack of thieves".

I had a fire in my kitchen Sept 2014 and they still haven't cover for the damages. All I have is excuses from them and lies all over. I think we the consumers and victims should just come together and expose this company.

I will be fair to Liberty Mutual - I called them. That is when the lying started (3 years ago). I dropped Farmers and went to LM due to their decent rates. Erin ** told me my scheduled jewelry would be 'outside' the normal process if there was a claim - we had a small one for $1600. Our rates have gone up 54% in less than 2 years... They have made their $1600 back and then some. "You made a claim" is all they will answer. They are devious and will lure you with low prices. RUN! They are the epitome of snake-in-the-grass salespeople.

Liberty Mutual has sent out non-renewal notices to all of their policy holders in our area. It has made it virtually impossible for us to find Homeowner's Insurance. All the other large insurers who we have called are not writing new policies but are grandfathering their existing customers. We are long time (10 years) policy holders with Liberty Mutual with no claims. What a way to treat your customers.

We had Liberty Mutual for almost 10 years and found out they were WAY overcharging us! Shame on me for thinking I should trust a company I had been loyal to for so long and that keeping multiple lines of business with them would keep me safe! SHAME ON THEM for being so greedy and completely unprofessional! Found in our 10th year when I FINALLY checked the marketplace that they were overcharging by over $500 on our auto-policy and again over $500 on homeowners. Then, when we cancelled they tried to collect over $300 in ‘cancellation fees’!! The local agent kept calling us and threatening us with legal action and credit reporting, when I contacted LM 800# they said I would have to deal with the agent!!

I experienced storm damage. Water entered my home and there was damage to my roof. They underestimated the damage in my home. The adjuster was rude and rigid. I would avoid this company as a consumer.

I made a claim to Liberty Mutual for my TV that fell off the wall and got damaged. They told me even though I had personal property coverage, and additional replacement coverage for that property it was still not covered?? Then they started naming off perils that would have been covered such as a airplane hitting the house and damaging my TV. What are the odds of that? About the same odds of them paying a claim I guess.

I signed up with Liberty Mutual in 2012 as i was directed to them by GEICO. My 1st year premium was reasonable, but when it got renewed they bumped it up by almost 50% and told be that it was because my home no longer qualified for a new home discount. Next year they bumped it up another 30-40% with no reason given. So, in a matter of 2 years my premiums went up from roughly $1100 to $2200, despite no claims or change in my credit profile.

In taking over as POA for my father, I noticed his homeowner's insurance was over $3500.00 per year for a 1,250 sq ft home built in 1963 (outrageous). Was paying $1,200.00 in 2010 then $1600.00 in 2011. Get my drift where this is going? Called to confront LM about the increased cost and was told that all they could do was to Re-Quote. I told them we didn't need a Re-Quote we just needed insurance at a FAIR market value. At which time they Re-Quoted at $1550.00 per year??? So now we can get insurance at less than what we were paying four years ago. What a great company Liberty Mutual is!!! Call their hand on an issue and SURPRISE we're your new best friends. Call center told me that there were no agents in Missouri after they bought out Prudential Insurance over eight years ago. False.

In 2008 and 2014 Liberty Mutual denied my claim of water damage causing loss. The company that built my home went into bankruptcy and closed down so I could not get anywhere with them. In 2014 my AC broke causing water damage on the base board, carpet, furniture and clothing damage. Liberty once again denied my claim. This company is unfair, collects premium, and does not honor the terms of the policy. How do I get legal representation for this matter?

I am a previous customer of Liberty Mutual. I cancelled my insurance after I had roof damage on my home. When I was in need of their help due to storm damage I was passed off to three different adjusters before anything at all was done. They sorely underestimated the amount of damage and didn't include all the loss, not to mention the further damage due to heavy and continuous rain for a month.

I just recently purchased a home and I went to Geico to see if I could get home insurance through them since they had my car insurance. Somehow, I got signed up with Liberty Mutual, which was not explained to me at the time. I then received notice from LM saying they were going to drop me because of the condition of my house and listed a bunch of BS things such as chipping paint, having an overhang, unsafe walkway, etc. My house is 100 years old and it is in great shape so I was very surprised. I was also mad that Geico set me up with them as they apparently have a reputation for this. I then called Farmers and they looked at the house and said they didn't know why I was dropped. Ended up with the same coverage for about $300 less a year and dropping my house payment by $35 a month. Really turned out to be a blessing in disguise! If anyone is having issues I would certainly say to look around because there may be cheaper and better options available.

I switched over my insurance about a month ago because I was going to be saving roughly $100 a month. Everything went smoothly with my new company and I got the confirmation emails that I was promised from my new agent. The 2A letter that is required to cancel insurance was sent three weeks in advance prior to my next payment coming out. Apparently no one received the letter and my bank account was deducted for the payment. This was not planned and my new company took their payment out two weeks before Liberty Mutual so my bank in turn assessed me $90 in fees and I paid both companies their payments. Both companies are playing the blame game on one another and the only person this has affected is me. I am appalled by the lack of customer service and absolutely disgusted that this is how your company does business. I feel bad for anyone that has to do business with them or deal with resolving an issue. Not sure how people get away with not doing their jobs.

Last July 2014 we had hail as large as golf balls, I was outside at the time. After contacting Liberty Mutual, adjuster noted damage to entire roof but they would only cover half of roof and only wrote check for half of the amount to repair half of roof. I told adjuster this was unacceptable, he didn't care about our problems. I called building dept, they issued 3000 roof permits for that storm, not one was for only half of a roof. We have replacement on policy but they will not pay for full replacement, they call it depreciating. I sure would not use this company, they seem like scam company double talking all the way.

I purchased both Auto and Homeowners insurance from Liberty Mutual Knoxville, TN office. I was given a fair price for both, or so I thought. The Following year at the Auto Insurance Renewal date, they raised the price 25%. I got a new policy for the same amount I was then paying through another company. I kept the Homeowners since they had only raised that by 4%. However, the following year, 2014, they raised the premium by 33%. Nothing had changed, no claims had ever been filed, I had just been through Liberty Mutual's practice of low balling in order to get a sign up.

I just got "Blindsided" by Liberty Mutual Insurance Company; a 45% premium increase in annual premium and no claims by me, ever! Found an even better deal than their old rate today. A 20% decrease beats a 45% increase, that is truly Liberty! With a 45% premium increase you obviously do not want my business and the feeling is, YES, Mutual!

On Oct 17 I went online to get an estimate from Liberty Mutual. The quote came in twice as high as my current policy though I was eligible for two separate discount programs. I called the company and realized I needed to get information from my Condo Association before proceeding and said I would be in touch when I got that. I received three emails from LM stating I needed to sign the application or I could not be insured. I figured this was an online auto generate thing and waited for my information from the condo association.

I bought a home for cash and set up conventional homeowners insurance with a million dollar blanket policy with Liberty Mutual before escrow closed. I was completely honest with the Liberty Mutual agent. I told him I bought an older bank-owned home and was immediately going to start renovations. The home was in livable condition, heat, air, water, electricity, showers, toilets, windows, but I wanted to personalize it. I told him, in detail, everything I was going to upgrade. Single panel windows to double pane. Sliding door to French doors. New kitchen and baths. New tile throughout. Etc. Also was honest in telling him that since the home was older and bank-owned and had been sitting on the market for a while the outside needed painting but that the roof was still in good condition.

Last summer someone shot a pp gun into our in-ground pool damaging our liner. After making a police report we contact an adjuster then our ins. co Liberty Mutual. Getting an assessment they told us it would cost approx. $3000 to repair. When Liberty Mutual received the assessment they told they needed to investigate how the liner was damaged. You think we commit a crime with the questions we were asked. It was awful. After the report from Their investigation they told us they were only paying $2000. We had to pay the rest out of pocket. Wasn't so much as what they paid, it was how we were treated. I was a police officer for over 18 years and I have never in my life been treated like this. Had no choice but to change companies.

Liberty Mutual Home Insurance: the desk adjuster approved the disaster clean-up company to proceed with the work and assured us it would be covered. The Field Adjuster arrived 10 days later and decided he wanted a second opinion. They used an outside company I don't know to determine the water damage in our home must be from a previous rainstorm. We have lived in this home for 8 years and never had rain water enter the basement. The field adjuster and his supervisor both told me they would pull the phone calls to see if their desk adjusters approved the work as they record all calls for legal reasons. They both came back to me and said none of the calls were recorded and that they would not cover the claim after all. So by approving the work to begin in a way I would not have agreed to if I knew it was going to come out of my own pocket, they later refused to finish what they agreed to start. It was a very bad experience and I recommend you stay far away from Liberty Mutual Home Insurance.

Raised HO rates 22% from first year to second year. Called my sales representative several times during the week and left messages with no response. Received a call from an assistant who told me the rates reflected an overall increase. I have had no claims on cars, motorcycle, or HO coverage. Customer service very poor although when I transferred my policies to LM received excellent customer service. Seems only interested in maximizing profits after the sale. In addition customer service person had no interest in my concern(s) and advised to let her know what I decided to do.

I have home owners insurance through Liberty mutual. The house was empty and well maintained as we were determining if we would sell or rent. We completed recent renovations preparing the property. We maintained heat and electricity on the property. During low temperatures the pipes burst due to freezing. When I filed the claim they informed us they were behind as they had numerous claims all over the country. They came, removed the walls and floors and the entire finished basement. They later denied my claim stating there wasn't adequate heating. I furnished the heat bill for 6 months and they denied the claim. The house is now completely unlivable. I am a customer in good standing.

Purchased policy after contact online when insurance changed from hunt lodge to rental property. Great price. 1 year later price doubled. Said policy didn't include all it should - so why did they issue it. Paid for 6 months. 8 months later got cancellation. Said they had sent 2 notices but didn't try to email or phone me so figure if sent notices must have looked like junk mail. Asked if I could renew. Said I had to have a new policy as it had been 60 days and had to pay $24 - they said was past due. Paid the $24 and then got quote 10 times original price over $2000 on $1000000 property - said because prior policy had been cancelled. Told them shove it. Luckily no claims till found other carrier.

I filed a home owners claim for vandalism back in 2013. LM refused to supply a claims adjuster to come out to my home. They insisted I correspond with them through emails and snail mail. I sent pictures and documents as well as provided them with all other info. Total vandalism damages are at least $10,000 or more. LM said we will send me a check to get me started on repairs for $2600 in which they did in 2 separate payments. I told them I needed more to cover all repairs and they refused to talk with me any more.

I went to the Liberty Mutual website and found their online quote calculator very useful. It gave me a quote for full replacement cost of a house my friend is buying and then let me change many of the coverage options including the replacement cost. I went through a lot of different coverage options and even have auto-generated emails confirming my quotes.

I secured my Liberty Mutual Policy through my auto insurance provider, GEICO. I enjoyed the use of my policy until I moved residences to another state. Liberty Mutual was unable to transfer my policy to my new home, and they closed my policy in June. Apparently they did not charge the final amount to my credit card on file, nor did they send me a notice that I would have to pay a closing amount. The final payment was due on 7/2/2014. On 7/25/2014 a credit collections agency sent me a notice for the $30 remaining balance.

We were told by our mortgage company that we needed to shop for home owners insurance, so we started calling agencies. I called Liberty Mutual and I told the agent when I called that I was only shopping for quotes so I could compare prices. The agent, "Nicole" gave me a quote and got some other information from us. After we hung up, about 10 minutes later I get an email from LM telling me my policy had been issued and to please log in and pay the premium. I emailed "Nicole" back and told her I told her I was only shopping, and that we had decided to go with another carrier.

MY INSURANCE COMPANY IS DISHONEST. A few weeks ago, my new insurance company cancelled me for various reason - none of which I agree with. I was speaking to a friend of mine and he told me many insurance companies get you to do work on your home prematurely (before they will cover you) to avoid costly claims in the future. They referred to this as being preventative. Is this widespread and is it legal?

I have been a liberty mutual customer since 1996 with my homeowner's policy. Over the years I've had 2 small claims; minor damage for hurricane sandy, and a stolen laptop--with $1000 deductible, their out of pocket was minimal. Our payments are made directly to our mortgage holder, so we never write a check and the renewal is automatic. Unfortunately we were very naive, and assumed we were working with a well established, respectable company, assuming they would be competitive with other companies. Our rates increased 10-20% a year, until the declaration was close to $6000, at which point I called to question why? With little prodding from me, they were able to cut my premium by more than 50%; presumably with the same coverage. This year again they raised my premium by close to 12% (one year it was over 20%), and I called again after reviewing my records. To see market costs, I procured a half dozen bids, based on the same coverage I had in my LB policy. The highest bid I received was @ $1200. When I look back over the history, I feel like a moron for not soliciting quotes each year.

I switched to Liberty Mutual insurance and I faxed the agent a copy of my deck pages from my prior insurance company and said that I wanted the same coverage. A year later, my husband lost his wedding ring, a claim was filed and then I was told that I only had limited coverage of $1000 on theft of jewelry. My prior policy had scheduled jewelry with a $10,000 limit. Here is where I need to add that I was a claims adjuster for a different insurance company for 20 yrs and so I know about coverage and limits.

After the harshest winter I have ever lived through, the roof began to leak through the interior walls. I filed a claim with local LM office and had the roof inspected, only to get the news the roof needed to be replaced. LM sent out an adjuster, she looked at the damage and confirmed the interior had water damage, cause by ice dams. Ice dams are locations on the roof where water freezes, then melts, and refreezes. In the meantime, I called the local LM sales agent asking for his help to have the roof replaced. Answer: "we don't cover roofs which are more than 20 years old," which happens to be the age of my roof. Asked him where this rule is stated in my policy, answer; "it was in your original package." Note: original package, which just happened to be 20 years ago. Told agent I don't have those records. He stated he would have to look for them in the LM system.

We signed up with Liberty Mutual because they had a partnership with my employer to offer discounts to employees. The initial rate was great. Someone came out and did the measurements, pictures, etc. A couple of weeks after that, we received a letter stating they were canceling our policy because we weren't honest in our initial statement. They said we had 3 horses instead of 2. Not true. Seriously, she took pictures of them. So my husband calls, talks to our agent and she says she will see what she can do. Weeks pass and they say they have to send out another person to take pictures, etc. due to the fact they had to cancel the first policy and issue a new one.

Liberty Mutual has been great in regards to cashing my policy checks and raising my rates yearly, despite the fact that my FICO score is 780, and I have never had a claim for auto or home in my life. But this civility to me ended when my HVAC units were destroyed in a hailstorm. Despite the fact that 4 (very legitimate) HVAC contracts and LM investigator stated that the units were unrepairable, LM claimed that they would not replace (with like units as per policy) but only pay for repair. In addition, even worse, they wanted to "depreciate" the repair by 70% despite that I had a rider which specifically stated that there was NO DEPRECIATION. They also said that if I did not like their computations that I could sue them.

I filed a claim for wind damage Dec 15, 2013. I was passed from a claims adjuster to a field adjuster. In March I finally received a summary of damages with what was supposed to be paid out but was told that I wouldn't receive all the money (recover depreciation). I finally received a check made payable to me and Vystar Credit Union. I attempted to cash the check at the branch in Green Cove Springs and was told that I needed to have the work done before they would cosign the check with me. I went to a branch in Jacksonville and they had no problem cashing the check for me. However, that's a complaint for another day.

I filed a claimed with Liberty Mutual, homeowner Insurance. I have been treated harshly. They sent an Investigator to my home. This man harassed me, used intimidation practices. It was an awful experience. I would go into further details, but I intend to take legal actions. Then they continue with their Intimidation to set up an appointment for me to meet their attorney at the jail. This is the worst treatment that I think that I've ever received. The investigator display pure deep seated racism. I'm asking anyone that has insurance with this company, run to your telephone and cancel it ASAP. The stress that I've been through is unreal. I lost my mother ring, my Mother died, and they hurt me. I'm never going to get over how they treated me and threaten me. It has to stop. I shall tell everyone that will listen. Evilness has an expiration date.

Autos and home increased every 4 six months and never had a claim with the company in the 11 years I was with them. Called each time and they played the reclassification/discounts checked routine. Yesterday said I was cancel and they made up some state discount they could give me. They (retention) took off $300 off the non adjusted current policy. This pissed me off so much I still cancelled. They play games, attract you with a decent rate then, before you know it, they have increased your premiums 50%. Look elsewhere. Also, State Farm did the same.

I've never been so happy to fire an insurance company. Every year for the past 10 years they increased my homeowner's premium by an average of 18.7%. Then in August of 2013, they increased my premium by 49.3% despite the fact that I have had very few, and very minor claims. I even went on their website and filled out a new application for insurance and they quoted me a rate 50% less than I was paying - so obviously there is NO loyalty with this company. I got the same home, auto and liability coverage from AMICA for $6948 per year LESS than Liberty Mutual - a 64.1% decrease! Don't wait for this to happen to you...cancel your Liberty Mutual policy immediately!

We have had Liberty Mutual since September 2008 and was attracted to this company because the rate of $667 for first year. This was fairly competitive compared all others we found. In February 2009 we had to make a claim (small one) - water leaked from bathroom and destroyed sheet rock. Total payout was $400. Renewal time in 2009 our policy had been rated and we paid $767 for the year. Unfortunately we had another water leak in July 2010 between two bathroom walls which resulted in water "seeping" under hardwood floor in entire downstairs area before it was caught. This claim was about $4400. I was told by the LM adjuster that this leak (as well as the first leak) was because of "builder error" because of nails piercing water lines and the nails eventually deteriorating causing the leaks. This time when policy renewal time came around in 2010 our premium more than doubled to $1648. We were shocked but continued our coverage.

My mother is a 78 year old, African-American widow and has always paid her insurance premiums on time and kept up maintenance on her home. In 2010, due to the washing machine water backing up in her sink, she had a fortune 500 drain cleaner company come out and run a snake through her drain to unstop it. The technician reported that she needed to contact her insurance company because dirt was in her drain line. After contacting Liberty Mutual an Liberty Insurance Agent came out and then recommended "Paul Davis Restoration". This turned out to be a very, very horrible experience because in 2013, she had the same complaint that her washing machine was stopping up in her sink and the kitchen floor was raising up.

Liberty Mutual tacked on a $3000.00 a year surcharge to my homeowner's policy, raising my premium from $1092.00 to $4554.00 annually. I did not receive a letter of intent that they were going to do this. I found out when my mortgage payment double from $745.00 to 1449.00. Since I have an impound account, my bank (Wells Fargo) went ahead and paid the increase, then of course, to avoid future impound shortages, started collecting an additional $329.00 a month to the $329.00 they needed to pay for the increase in premium. My house is now in foreclosure and I am going to lose it, not because I can't make my mortgage payment, because of my insurance company's surcharge. Liberty Mutual's reason for surcharge? Because I made a claim in 2011 for water damage from a leaky roof. They assessed the damage to the room and cut me a check for $2800.00 to repair the sheet rock, etc.

We had a hail and wind storm. We have a $20000 dollar wood shake roof. Our agent sold us the most expensive full replacement policy no matter what happened to the roof. The first adjuster came out and met with our roofer. She wrote $5000. The roofer said she missed all kinds of damage. We had to fight for weeks to get a second adjuster out. The second adjuster came out and said she saw no damage! Our roofer laughed and told us that they were trying to bully us. This has been very disappointing. We are no going to hire a attorney. They already up our rates within a few days. I would never recommend them to anyone. They are cheap, and their adjusters don't know anything. Stay clear of them. I will make sure I tell everyone I come in contact with about my experience.

Liberty Mutual has a three-dog limit. Really three dogs Corgi/Poodle mixes. They won't write a policy if you have more than 3 dogs. Reading these reviews, they don't pay out on any claims anyway so, what is the point of getting insurance from them?

On April 5, 2013, I had my pre-inspection with One Hour Air Conditioning and Heating for my air conditioners before the beginning of the summer months. At that time, they put in a new condenser fan motor which cost me $425.00. The repairman wrote on the receipt “Spring Maintenance - fan capacitor reading 50% under rating, for motor running high amps”. Also, I have two units that were put in the same day and time back in 2004. I have had no problems with the other unit.

I obtained a policy through Liberty Mutual in April 2012. Pictures were soon taken of the exterior of my property. I was given a long list of items to be repaired within 30 days. We started the repairs, but could not complete them in time. Pictures were sent to the underwriters. Apparently, Liberty Mutual cancelled our policy. I have never received a cancellation notice or refund from Liberty Mutual. I have just been informed from my mortgage company that there is a lapse in insurance. I contacted Liberty Mutual to find out about the cancellation. I obtained other insurance from another company immediately at unfortunately a higher rate. My mortgage company just informed me that I am being charged $3,200.00 for the lapse in coverage.

I wish I would have read these complaints before switching over our homeowner's insurance to Liberty Mutual. I was also told after being accepted that they were cancelling coverage on me... for the exact same reasons as the earlier poster - a vicious dog and a cosmetic issue with our back door. What bogus nonsense! I now have to find new insurance and am hoping I'm not flagged as a risk! I was just trying to save a few dollars a month as the insurance I had for 15 years (without one claim filed) had doubled. They were also tied in now with our auto insurance of Geico, so I thought it would be good. Wow, what a HUGE MISTAKE this was!

Roof damage by hail - The claims adjuster sent us an estimate as follows:

Premiums paid through mortgage company (Quicken Loans). My mortgage payment increased, because taxes and insurance went up. I filed a claim for roof damage and had to fight that for a year before the roof was replaced - I had to get a mediator. I called the loan company and discovered my premium was increased and my payment is $80.00 more per month. It was intimated that it could have been because I filed a claim... I thought this was why you pay insurance?

We got Liberty Mutual via Geico insurance as a package with the auto insurance. We thought everything was good until Feb. 26, 2013. LM dropped us on the grounds that we did not meet their standard. We live in a home that is adobe. They said we live in a manufactured home (even if we did, what's the problem?). We have a garage and my studio. They went on to say we had non-domesticated animals? We have horses. The last time I looked, they were domesticated. We have no lions, tigers or bears. It goes on, but the point is, they seem to be wanting your money with the total elimination of risk.

We have our home insured by Liberty Mutual Group in Glendale, Arizona. Recently, we had unusual cold weather as the weather man stated we were colder than Alaska for two days straight and below freezing for several days after that. This started on the January 14, 2013. On Saturday, 01/19/13, we noticed there was not enough Hot Water from our water heater. After inspection, we realized it needed water heater repairs which were finalized. After this, two plumbers determined that we had a Slab Leak in the foundation concrete. The foundation is part of the house and therefore would be covered by the homeowner's insurance, but when Jeffrey **, insurance adjuster, came to inspect it, he took photos and then denied the claim. We have found out that taking photos is illegal if a claim is denied via a US Marshall in which we could possibly have several employees arrested in violation of the law.

We had water damage to our kitchen, which was reported on November 20, 2012. There was extensive water damage on the interior walls, cabinets and wood floors. Wall, including appliances like microwave, refrigerator, oven, cabinets and countertops, was removed. The mold was removed two weeks after. Since then, the wall has been bare exposing electrical wiring and plywood for over one month. Cold air has been seeping through the wall. Our insurance adjuster said he wasn't aware that the first contractor had backed out of the job. He stated he doesn't listen to his entire messages, therefore he never got our message informing him about the contractor stating there was too much controversy with the insurance agent. Therefore he was backing out of the job.

I have been with Liberty Mutual for about 4 years now. They had great rates and were easy to deal with. Unfortunately, my home was affected by Hurricane Sandy this year. Parts of my siding and fascia blew off due to the high winds. Today, 12/03/2012, I received a letter stating that my damage was not caused by the storm and they were closing my claim. Huh, that's it, no explanation, no "well you know the siding may not have been installed properly." Come on, really nothing. All that is known to me is before storm, I had siding, after storm I do not.

On 06/29/2012, West Virginia was struck by what was later called "land hurricane." It sounded like a jet engine. We had hail the size of golf balls, high winds, tearing of shutters and fascia. Liberty Mutual came out, said everything was great on the roof. I hired workers to replace the fascia and put up my shutters and they refused to step on my roof saying it was tore all to pieces. I got 3 different estimates by 3 different contracts, consulted 2 more. I even appealed to my agent and the team leader, Mr. Shawn **. Bottom line, they claimed it was all a sudden failure of the materials.

There was a storm and some shingles flew off into the neighbor's yard; a stack said the neighbor. And after we bought the house, the house must have shifted and the bathroom sank in the corner about an inch. Liberty Mutual sent someone who seemed to be a professional to inspect the damage from Southern Ohio. I, myself, could not see the roof. The inspector said there needs to be 12 or 14 shingles to be replaced, but never told us which ones to replace. The inspector took pictures and never shared with the homeowner. So this could mean, no matter which shingles needed to be replaced, we may never replace the correct shingles for further excuses they don't want to pay.

I own a 3-story house with a 2nd level deck that used to be a sunroom. My house is very old and the main crossboards are the floorboards for the 2nd level. A few weeks ago, the deck buckled and the top 2 levels of my house shifted causing a great deal of damage. The deck needs to be replaced to stop further damage and for safety. It is our only exit except on the first floor and in the current condition, the deck is not useable. From the deck buckling, it has caused the stairs to the 3rd floor (my children's bedrooms) to separate, caused my overhangs to all shift, several falling off the house. The floors buckled and it is clearly seen right through the carpet in multiple rooms. Even the roof has collapsed in multiple spots, and it has caused water damage and buckled paneling in the first floor. Also, the doors are no longer shutting properly.

I have dropped Liberty Mutual in October of 2011 due to their ever increasing rates. My new insurance company advised me that I have roof damage. I contacted a roofing company. They advised me I had storm damage from severe storms the previous year. I contacted Liberty Mutual because they were my insurance company at the time the storms had hit. I advised them that my roofer wanted to be present when they (Liberty Insurance) inspected the roof. The adjuster (Daniel **) told me he likes to wait till spring to do roof inspections. Both my roofer and I were concerned the roof might not wait until spring.

I had Liberty Mutual Homeowners insurance for almost 12 years. Never once I made a claim and never severely late. So this December, we ran into some financial difficulties and I was 2 months late with our homeowner’s insurance payment. I will get all the figures, but it was roughly $1,000 a year, 10 monthly payments.

I am the owner of TriCounty roofing. I have a contract with Angela ** of ** *** dr. Langcaster, TX to repair her roof. She contacted Liberty Mutual for a meet between my company and the assigned adjuster for Liberty Mutual at the client's home. My supervisor arrived on time to see another roofing company called by the adjuster Jay **. I called Jay and asked him why he had another roofing company at my job site. He stated it was for a ladder assist to get on the roof. I asked him if the customer had told him our company would be there to assist and meet him and he said yes. So I asked him why he called the other company and he said Liberty Mutual wanted him to call them because they didn't want him on roofs. I asked him if my roof getting paid for was determined by my competitor. He said no. He went off my competitor's info but he determined it.

Liberty Mutual canceled my homeowners policy and did not notify me. They said they sent a letter they were canceling Florida policies, but I did not receive one. I had to find out from a co-worker that they were canceling Florida policies and when I checked, it was 3 days expired. I immediately called my escrow company who told me they had sent a letter also and put me on forced placed insurance. I can't even get a good rate on a policy now after 30 years of home owners insurance and never missing a payment due to their lack of caring. No one can come up with a tracking number or sent anything certified mail. My mortgage company Bank of America sent the letter Jan. 9th 2012, 20 days after the policy expired.

A homeowner insurance adjuster came to my home to assess damages. When he sent me the picture he had several pictures of my granddaughters, who are minors, and my 19-year old daughter in their night gowns. He did not ask or inform me that he was photographing us. I feel that our privacy have been violated and now these pictures are out in cyberspace. My granddaughters' mother, who was at work at this time, is now very upset and wants to file a lawsuit. Is this a violation of privacy and civil rights?

We had a flood during Hurricane Irene. We were passed from one agent to another. We waited forever. The agent to come and view the damage finally arrived and took some photos, in his rubber boots in our basement. We tried and called a water mitigation company to come and get the water out of the basement only to have Liberty Mutual tell them to leave. Yup - three months later of phone calls, jumped the agent, conflicting agents, you name it. My favorite tactic of Liberty is not to answer a direct question.

I insured my home with Liberty Mutual/ Geico Insurance Agency back in December 2010 and my Escrow company paid the premium through December 2011. I received a letter in the mail stating my policy had been canceled due to lack of payment. After calling my mortgage lender, I confirmed that they did in fact pay the policy through the end of this year, and that there must be a different explanation. Upon calling Geico/Liberty Mutual, I discovered that an additional $482 was added to my policy for earthquake coverage based on a letter they claim to have sent out. They said that they sent a letter giving me the option to "opt out" of earthquake coverage, and that by not responding or returning the letter, I was opting in. I never received such a letter, nor did my mortgage lender, who paid the policy to begin with.

I applied for home owners insurance with Liberty Mutual because my rate with Farmers was up for renewal and Liberty Mutual offered a lower rate. Liberty Mutual intercepted my home owners insurance impound monies from Chase Mortgage. Next, Liberty Mutual denied the home owners insurance right after they intercepted the money. The reasons for denial were bogus. Liberty Mutual stated that the paint was chipping on our house and that we had vicious dogs on the premises. Firstly, our two dogs collectively weigh less than 15 pounds. One is a miniature long-haired dachshund and the other is a little Havanese poodle who is skinnier than the mini-dachshund! Next, our home is made out of stucco. We have a small dent in the stucco from moving furniture. I polled several competing insurance companies and each one stated that denial of a insurance policies based on chipped paint seems odd. One insurance company went on to say that sometimes when an insurance company doesn't want to write a policy in an area where there have been a lot of foreclosures, they come up with bogus denial reasons.

On August 28, 2011, hurricane Irene caused wind and rain to penetrate the roof of my condo causing damage to the living room wall and carpeting. The condo insurance paid for repair of the roof but Liberty Mutual has claimed, despite a great deal of evidence, that my homeowners does not cover this claim. In fact, the policy clearly states I am covered.

My condo had its roof penetrated during Hurricane Irene, causing damage to the living room wall and carpeting. The condo insurance took care of the roof, and Liberty Mutual should take care of the interior, for which I am insured. There is about $4000-5000 worth of damage, and I have never had a claim in 22 years. It was clear that the roof was fine until the hurricane, and then water poured in, down the vaulted ceiling, ruining a wall and causing mold in the carpet.

My upstairs neighbor left his washing machine on and unattended last Monday, and the water ran for several hours and completely flooded my condo (living room, family room, sun room, entry hall, laundry room, and a part of the dining room). The hardwood floor, ceilings and walls in these rooms were all damaged, so were some of my furniture. I was called at late afternoon, at work, to come home. It was such an unbelievable mess! Water just comes down from the ceiling like rain!

My wife and I recently bought a new townhouse. We acquired homeowners insurance through Liberty Mutual. In the spring of 2011, a severe hail storm damaged our roof. After agreeing that we needed a new roof, they refused to accept a reasonable estimate to replace the roof. They sent us a check that was less than any roofer would accept.

We had an earthquake, tornado and a severe storm at the end of August 2011. We were without power for five days. We lost over $500.00 in food. Our entire downstairs was covered in water and our heat pump/AC stopped working. I found out that all of my neighbors on my side of the street had flooded also. I called in a claim, I was given a temporary number and was told that an agent would be in touch with me. After several days, a gentleman by the name of Bryant **, from Texas came out to look at the damage.

While my husband and I were on vacation, our refrigerator leaked and ruined our laminate flooring which was put in less than a year. I contacted a certified refrigerator repairman and after he repaired it, he suggested I replace it if it leaks again. The refrigerator had just reached the 4-year mark and we can not afford to just go out and replace an appliance. We had been assured each time it was repaired that the problem was fixed. We contacted Liberty Mutual and they said we should file a claim.

My next door neighbor flooded my basement by leaving his water hose on for a week. I contacted Liberty Mutual on May 19, 2011 and I spoke to claim adjustor Karl **. I asked him for help because I didn’t know what to do. His response was, “Get me an estimate and send it to me along with pictures.” I did everything he requested by June 5. Because of the holiday, I received appointment dates for two different companies. I sent in two estimates and pictures of the damages.

I would like to impart some general experience I gained after my house burned down on 09/2009.

Kim gave me the wrong account to cancel my homeowners insurance and I found out that the corner house was cancelled instead of the house across the street. I had three insurance (renters) covered through Liberty Mutual and Kim was the worst agent I have ever had to deal with. I made phone payments with her and my account doesn't show payments were made so I am wondering if she kept my money.

When I signed up for my home owners' insurance policy, the agent assured me that it covered "pretty much anything." Apparently, it does not. The adjustor was rude when I talked to her on the phone, came to my house a week later, spent less than five minutes, and then explained that Liberty Mutual doesn't cover our pipes leaking. I am very disappointed, especially because the repairman fully expected it to be covered.

This company was our homeowner insurance until they refused to live up to their policies. We had hail damage to our roof, air conditioner, and awning. They said we had hail damage but not to the roof. The awning did have a damage, and it is attached to the roof. We had four air conditioning people check our AC unit, and they said it could not be fixed. Liberty Mutual sent someone to check it, and they said it could be "combed out". We were paid for the awning and the roof on the guest house, but not for the roof or AC unit to be "fixed", that came from our own pocket. They disallowed insurance for the roof because they said it was already "old". Also, Mr. ** accused me of insurance fraud and said I got up on the roof and "beat up" the AC unit. Of course, he denies this. So we changed insurance companies, so that if we have something that will happen to our home again, we will be covered. There is no use to pay insurance premiums if it is not going to cover anything. We are senior citizens, and it is not easy for us to come up with money for repairs for things we already paid insurance for.

This ** called my private home and then talked to me like I was dog manure. I will have absolutely nothing to do with Liberty Mutual in any case whatsoever if that is the kind of people you have working for you. Totally unprofessional. If I treated people that way with my job the way he treated me, I would be looking for a job.

Home Owner Insurance Police Yearly Premium increased 30%. It was $1638 and increased to $2192, with no claim filed. How and why can this insurance company increase the premium?

On November 11, 2008, I paid Liberty Mutual Insurance $1,309.00 for home insurance for a colleague Miss G. of xxx ave., Los Angeles 90068 (this being the insured property). Liberty Mutual (LM) records (and my financial records) will show that LM received payment from me from my UK American Express account. Thereafter, due to some concerns regarding the roof and consequently the policy, Liberty Mutual cancelled the policy and refunded most of the money paid. This refund was, I believe, in the form of a check for the amount of $1,282.74 made out to Miss G. and presented to her Bank of America account on or about 20 March 2009.

Don't you just love those Liberty Mutual commercials about being responsible. I have been with Liberty Mutual for over 23 years. I have all my insurance needs fulfilled by them. It has been wonderful sending money to them monthly for that many years until this week when I finally needed them. On April 3rd of this year, a transformer behind my house exploded and the pole caught fire. The fire trucks came and SCE worked all night to restore power to the grid. About noon on Easter Sunday, when my power was not restored, I discovered that the huge power surge had burnt my electrical panel and fried all the electrical wiring in my house. I am told that I am fortunate that my house did not catch fire. SCE told me to submit a claim.

We've been using Liberty Mutual for our home insurance for almost 8 years ever since we bought our current house. When it started, the premium was $380. Last year it reached $900+ and this year, they wanted another $200 more. I called them and they said there was a 3% annual increase to adjust for insurance. When I said the increase was more than 20%, the representative then said they increased my coverage every year. It turned out the coverage increase from last year to this year was only $2,000. So they wanted to charge $200 more for $2,000, outrageous. I got a quote from Allstate for only $580 on the same coverage. I overpaid for the last 5 or 6 years for at least $1,000. This will be my last time dealing with Liberty Mutual.

On Easter Sunday my deck collapsed with ten people. But who got the brut me. Thank God no one got hurt but me. The point is that the person Mr. ** took a few days, wrote a check to me with an underestimates, under $5000.00 dollars. He said that the insurance don't cover wet rot nor dry rot! I ask him why, no answer.

I purchased my homeowners, boat, and auto insurance from Liberty Mutual. I was told all of my boats were covered including a $25,000 racing sailboat, a $5000 rigid inflatable, and three Lasers. The inflatable was stolen, and Liberty Mutual said they were only required to pay $1000 for the inflatable less the deductible of $1000, or in other words, zero!

In July 2009, my house was hit by a lightning and after 7 months of bad faith and long delay from Liberty Mutual, I have been offered $3,464 for a $55,000 claim. This without any explanation apart that 3 years ago I had display my house has a display house in a Home Automation business. So they considered it as a business expense even if the business has been sold for over 3 years and I only have audio and home theater in my house and security system. Completely bogus explanation and they really try hard to delay and reduce payment of claim. Definitely, I advise not to use Liberty Mutual as a homeowner insurance.

I have had my homeowner's policy and automobile policies with Liberty Mutual for 20 years. I began construction on a second home in mid-July. Just before the start of construction (early July), I called Liberty Mutual and asked them for a proposal for insurance coverage for our second home. After a lengthy round of questioning, I was given a quote for this coverage. I called Liberty Mutual on August 15 to ask them to proceed with the activation of my new policy request for our second home. As the representative proceeded with our new policy request, she regretted that they would not be able to give us insurance coverage for this house. The reason for this denial was that their researched showed that there was no fire hydrant in our neighborhood and that there was no fire department within five miles of our home. MapQuest is their method of research for determining distances.

We had a water pipe break in our home sometime during the night on 8-13-09. We discovered it first thing in the morning. The insurance company was immediately called, and they dispatched a company out of Vallejo called Rainbow International. This company is owned by Cannady Construction, one of the approved vendors used by Liberty Mutual. Initially, we were happy with the response and cleanup. We were uneasy about the fact that even though the carpets were completely soaked, neither the carpet or pads were removed. Special equipment was brought in to "top dry" (method) our home.

Our house burned down in a burglary/arson in August 2008. Liberty Mutual saw the house one time and wrote an initial estimate. They refused to come back for a supplemental estimate and I had to use their contractor to get one. The estimate was still incomplete and again Liberty refused to negotiate, look at or deal with our claim. They demanded appraisal about 3 months post loss, and they continue to thwart the appraisal process and drag the claim out longer and longer, while we are stuck in a rental house paying $3k a month on a mortgage for a house that is sitting in ruins. They have the worst customer service I have ever seen. I would not recommend Liberty Mutual to anyone.

Homeowner's insurance is not renewable. A claim was made 4 months after the house was purchased due to the city breaking a private sewer line that connects my house and 4 others to the city sewage line while installing a gas main line. The sewage backed into my house damaging the bathroom floor. The insurance company paid for the bathroom to be repaired. Then one month before the end of the year policy, they told me they would not renew because of water damage that I had found under an unrelated window in a bedroom. I told them I was not going to put a claim in for that damage and paid a waterproofing company to repair the damage I found in cash. I sent Liberty Mutual all of the documentation and photos to show the repairs but they asked for an inspection. I had an inspection. Then they asked for a letter from the waterproofing company to state that the house is habitable and in good condition. Now, there are only 2 days remaining in this policy.

Our air conditioner's compressor broke. When it did the water from our air conditioning unit "flooded" our basement. causing damage to our tile floor, carpet, walls, dryer, and some other items. Liberty Mutual sent an independent insurance adjuster, Rick S. He denied our first claim because we weren't available for him to come. Then he denied our second claim (which we didn't even know it was our second claim), because he said he talked to the people that fixed our air conditioner and according to them they said there was not enough water in the unit to cause the damage.

Recently we were dropped along with 3000 other Florida homeowners from Liberty Mutual. I asked what the criteria for being selected were and received general responses about being in a risk area for storm damage. When I asked for more specific criteria they sent 5 and we do not meet any of those five listed. In addition, my next door neighbor was not dropped and so area seems to be an irelevent issue.

I filed the claim last Tuesday 3/4/08 because several sanitary sewer lines are busted and separated under my house foundation, causing backup. I just had a new partial sewer line put in the back yard of my home. I also am having a new bathroom put in my basement. I have a state licensed plumber that working on my basement; he made a video tape for the insurance adjuster to see the extent of damage to the sewer system. The state license plumber told me to provide the adjuster with a copy of the video, and the plumber faxed over a detailed quote to Liberty Mutual for replacing the damaged sewer lines. The insurance adjuster told me the quote was too high for replacing the damaged sewer lines. The adjuster will not look at the tape to see the detail of the damage. Now it is Saturday (3/8/2008) night, and I have family coming from out state for a family funeral. I told the adjuster I needed to get this done right away. I even asked the insurance adjuster to get someone else, and he didn't. If any of my family members get sick as a result of their adjuster refusing to take any action concerning this matter, I am going to the local TV channel and retaining an attorney on Monday 3/10/2008.

On February 10, I received a letter from my mortgage company stating that they attempted to pay my hazard insurance renewal premium, but they were unable to obtain the policy information from my agent. The letter stated, please provide us with your policy renewal information to prevent a lapse in coverage. I called Liberty Mutual, who stated that I had no insurance coverage for a year and a half! They explained that Chase Mortgage had payed them late in January of 06, so they canceled the policy, cashed the check from Chase and sent me a check (they always send it to the customer).

My husband and I had 2 homes, 2 autos, and 2 life insurance policies with Liberty Mutual for more than 5 years. We had a small fire in one of our homes during our last policy effective dates. The claim is still open, however we have already been notified that our homeowners policies will not be renewed. Apparently, any claim or loss that is greater than $15,000.00 results in a non-renewal! Live and learn, ask your carrier what the underwriting standards are in the event of a claim. The last thing you want to be doing when you're dealing with fire clean-up, and construction crews is finding last-minute insurance! I'm pretty sure the Liberty Mutual commercial ends a little differently than this.

My Condo Home Owner’s insurance with Liberty Mutual was canceled when I sold my condo and purchased a new home In April 2004. At this time Liberty Mutual was notified of the cancellation and Commerce Insurance became my new insurance carrier for auto and home. Liberty Mutual continues to send me bills on the police with a term date of 1-10-2005 thru 1-10-2006 for the condo that I sold in April of 2004!

We had a fire in our garage ond they are claiming the structure is not part of my residence and is not covered because I ran a small business from it, so my contents are not covered.

Mr. Landon called me on or about March 26,2002. He stated that my homeowners insurance was to be cancelled because I had failed to disclose that my home had a shake roof. He asked if whether my husband and I were planning on getting a new roof done anytime soon. I told Mr. Landon that a new roof was beyond our means at this time. We were planning on getting a new roof next year (2003). Mr. Landon said that sometimes a good kick in the pants is what's needed. When I first approached Mr. Landon regarding homeowners insurance I stated my home had been built in 1971 and that there had been no major renovations done to my home. He did not ask me about my roof. His company insured my home and four of our cars.