Liberty Renters Insurance Review [2025]
Liberty Mutual Renters Insurance stands out with its diverse coverage options, competitive rates, and a plethora of discounts, offering policyholders effective cost management solutions.
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Table of Contents
Table of Contents
Licensed Real Estate Agent
Angie Watts is a licensed real estate agent with Florida Executive Realty. Specializing in residential properties since 2015, Angie is a real estate writer who published a book educating homeowners on how to make the most money when they sell their homes. Her goal is to educate and empower both home buyers and sellers so they can have a stress-free shopping and/or selling process. She has studi...
Angie Watts
Licensed Insurance Agent
Jeffrey Manola is an experienced life insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for life insurance with the most affordable term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide consumers with t...
Jeffrey Manola
Updated April 2024
Liberty Mutual offers a variety of coverages in all 50 states, plus Washington D.C. In addition to its fast online process and coverage options, what stands out about Liberty renters insurance is the number of discounts available for policyholders.
You will be able to find multi-policies and claims-free discounts for your renters insurance, in addition to discounts when you enroll in other programs, such as autopay. With Liberty’s mobile app and online claims process, you can communicate with Liberty Mutual almost exclusively without needing to call a representative and have access 24/7 to your policy details.
To learn more about Liberty renters insurance, keep reading below for more details about policies and discounts available. Already ready to start saving? Enter your ZIP code above into our free and easy-to-use tool to start your quote comparisons today.
What You Should Know About liberty mutual insurance
- Liberty Mutual ranks as the fifth largest property and casualty insurance carrier in the U.S. and has written more than $36.2 billion in claims.
- Liberty Mutual customers can access great benefits that include robust coverage options with numerous discounts and digital tools.
- Your state and region will determine your coverage level and your rates, which may fluctuate greatly depending on your situation .
Liberty Mutual offers a variety of coverages in all 50 states, plus Washington D.C. In addition to its fast online process and coverage options, what stands out about Liberty renters insurance is the number of discounts available for policyholders.
You will be able to find multi-policies and claims-free discounts for your renters insurance, in addition to discounts when you enroll in other programs, such as autopay. With Liberty’s mobile app and online claims process, you can communicate with Liberty Mutual almost exclusively without needing to call a representative and have access 24/7 to your policy details.
To learn more about Liberty renters insurance, keep reading below for more details about policies and discounts available. Already ready to start saving? Enter your ZIP code above into our free and easy-to-use tool to start your quote comparisons today.
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liberty mutual insurance Insurance Coverage Options
Typically, Liberty Mutual renters insurance policies meet the most basic needs of policyholders, while also providing room for personalization. The Liberty Mutual insurance company has an abundance of discounts that can help customers keep their costs low as well as within a certain budget range.
These policy costs can fluctuate drastically depending on your area and the state you live in. With a standard renters insurance policy, it covers:
- Personal property. Furniture, clothing, electronics, and valuables up to a certain amount
- A guest’s medical bills. If they are injured in your rental unit
- Necessary repairs. If someone else’s property is damaged because of an accident on your property
- Reimbursement for living costs. If your home becomes uninhabitable for a covered reason
- Liability. Including legal expenses, if the policyholder, a family member, or a pet injures someone on the rental property
Renters coverage from Liberty Mutual comes with industry-standard protection and the chance to add two or three endorsements.
| What's Covered | Details |
|---|---|
| Personal property | This covers the cost of replacing your belongings when a covered event damages them. You can choose between replacement cash value and actual cash value coverage. Actual cash value will allow you to receive compensation to replace damaged items based on their current value, which takes into account depreciation. Replacement cash value has a higher premium because you’ll be given a cash value to buy new items. |
| Loss of use | If a covered event, like fire or water damage, requires you to temporarily live elsewhere while your home is getting repaired, your policy will cover living expenses that exceed your typical amount. |
| Liability | If you’re responsible for bodily injury or damage to the personal property of someone else, your policy will cover the cost of medical bills or repairs. It may even cover legal fees if someone sues you. |
| Medical payments to others | If someone gets injured in your home, you can file a claim to have your insurance provider cover their medical bills. |
Renters insurance costs as low as $5 per month with the most basic plan. Your deductible could be $250, $500, $1,000, $2,500, or $5,000, based on your state and region.
liberty mutual insurance Insurance Rates Breakdown
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| Driver Profile | Liberty Renters Insurance | National Average |
|---|---|---|
| Clean Record | $128 | $119 |
| 1+ Ticket | $162 | $147 |
| 1+ Accident | $188 | $173 |
| DUI | $227 | $209 |
| Poor Credit | $220 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
liberty mutual insurance Discounts Available
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| Discount | Liberty Renters Insurance |
|---|---|
| Anti Theft | 15% |
| Good Student | 10% |
| Low Mileage | 8% |
| Paperless | 5% |
| Safe Driver | 10% |
| Senior Driver | 8% |
Since the company’s main drawback is its rates, which can alternate between the cheapest and most expensive options depending on the state or region you live in, you may want to look into applying for discounts. Thankfully, Liberty Mutual has many discounts available to choose from. Discounts include:
- Claims-Free. Saving if you haven’t filed a claim with your previous provider for five years or more
- Military Discount. Any active, retired or reserve members of the military can receive this discount
- Early Shopper Discount. If you get a quote with Liberty Mutual before your current policy expires, you are eligible to save up to 45%
- Smart Home. Installing any smart protective devices in your home, like a security system
- Protective Devices. Adding smoke alarms, deadbolts, fire extinguishers, fire alarms, burglar alarms or sprinklers to your home will qualify you for this discount
- Multi-Policy. Bundling your renters insurance policy with another form of protection from Liberty Mutual
- Preferred Payment Discount. Sign up for automatic payments linked to your bank account
- Online Purchase Discount. Purchase a renters insurance policy online to receive a discount
- Paperless Policy Discount. Get a discount for electing to receive your bill electronically
In most cases, renters insurance coverage is only available for policies that have up to $25,000 worth of assets to protect. Anything after that is not covered. However, you can purchase coverage for as little as $5,000.
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How liberty mutual insurance Ranks Among Providers
In the dynamic landscape of renters insurance, several key players compete to offer comprehensive coverage, attractive discounts, and superior customer service. Liberty Mutual is a notable contender, known for its wide range of coverage options and discounts for policyholders.
- State Farm: State Farm is one of the largest insurance providers in the United States, offering a wide range of insurance products, including renters insurance. They have a significant market presence and are known for their agent-driven model.
- Allstate: Allstate is another major player in the insurance industry, offering various insurance products, including renters insurance. They have a strong marketing presence and provide a range of coverage options.
- Geico: While Geico is well-known for auto insurance, they also offer renters insurance. Geico is often recognized for its competitive pricing and online-focused approach to insurance.
- Progressive: Progressive is known for its innovative approach to insurance and offers a variety of coverage options. They are prominent in the auto insurance market but also provide renters insurance.
- USAA: USAA primarily serves military members and their families, offering a range of insurance products, including renters insurance. They are highly regarded for their customer service and coverage options.
- Travelers: Travelers is a major property and casualty insurance company that provides various insurance products, including renters insurance. They are known for their broad range of coverage options.
Read more: USAA Renters Insurance Review
As you embark on the journey of securing renters insurance, the market provides a spectrum of choices beyond Liberty Mutual. Each competitor brings its own strengths, whether it be State Farm’s extensive agent network, Allstate’s diverse coverage options, or Geico’s online convenience.
Frequently Asked Questions
What does Liberty Mutual renters insurance cover?
Liberty Mutual renters insurance typically covers personal property protection, liability protection, and additional living expenses in case of a covered loss.
What discounts are available with Liberty Mutual renters insurance?
Liberty Mutual offers various discounts, including multi-policies discounts, claims-free discounts, and discounts for enrolling in programs like autopay.
How do I file a claim with Liberty Mutual?
To file a claim, you can call their renters insurance phone number or file online through their website using your Liberty renters insurance login.
Are additional coverage options available with Liberty Mutual renters insurance?
Yes, Liberty renters insurance offers options to add endorsements for additional coverage, such as scheduled personal property coverage, identity theft coverage, and umbrella liability coverage.
Is Liberty Mutual renters insurance a good choice?
Liberty Mutual renters insurance meets basic needs and offers a wide range of coverage options. It also provides various discounts for policyholders. However, customer service rankings may be lower compared to some competitors, and policy costs can vary by location.
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