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Homeowners Insurance

Liberty Mutual Has You and Your Home Covered

  • Homeowners Insurance

    Your home is important. It's your family headquarters, your sanctuary, and the hub of all activity. A Liberty Mutual Homeowners Insurance policy covers your home and other structures on your property, like your garage or tool shed, for a variety of losses, such as smoke, fire, or lightning. It also covers your personal possessions and helps protect you from personal liability claims.

    Protect Your Home with Better Coverage
    Your home is more than just a dwelling, and we'll help you find the best insurance policy for your needs. Coverage options include:

    • Personal Liability if someone is accidentally injured or has property damaged while on your premises
    • Additional Living Expense1 if you need to live elsewhere due to a covered loss
    • Personal Property if your furniture, clothing, or appliances are damaged as a result of a covered loss
    We also offer Home Protector Plus™, which includes expanded coverage and additional benefits, including additional coverage for unforeseen costs when rebuilding your home or replacing personal property.

    For more detail about what homeowners insurance covers, go to Home Insurance Coverages.

    Benefits of a Home Insurance Policy with Liberty Mutual
    Finding the right home insurance coverage is important, but the benefits included in your policy can also help you have a hassle-free insurance experience. Some benefits of a Liberty Mutual Homeowners Insurance policy can include:

    • Loss Forgiveness Program2
    • Personal Property Replacement Service
    • Emergency Repair Service
    • 24/7 Claims Assistance
    • Online Policy Management
    Discover all of the home insurance benefits available to you as a Liberty Mutual policyholder on our Home Insurance Benefits page.

    Discounts on Your Home Insurance Policy
    From your employer, alumni group, or professional association to the protective devices in your home, we can help you find the discounts that you qualify for to save you money on your homeowners insurance. Liberty Mutual offers a variety of discounts, including:

    • Multi-Policy Discount
    • Exclusive Group Savings
    • Newly Purchased Home
    • New/Renovated Home Discount
    To see additional home insurance discounts, visit our Home Insurance Discounts page.

    1 Not available in all states.
    2 Subject to terms and conditions.