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Search Our Site:           Privacy Statement   Auto, Home, and Life Homepage   Home Insurance Policy Basics Policy FAQ's Glossary Special Home Services Home Replacement Calculator Home Safety Test Child Safety Test Weather Center   Auto Insurance   Life Insurance   Claims Service   Customer Service   Financial Services   Office Locator		You've come a long way since your first scrungy, subterranean apartment. With hard work. And scrimping. And saving. You've achieved homeownership. And now you can relax. Or can you? Absolutely. With our LibertyGuard® Deluxe Homeowners Insurance (our most popular single-family home policy). A complete protection plan that can be tailored to your lifestyle as well as your budget. Should you have a loss, our service is personal, prompt and efficient. In fact, through Liberty Mutual's Quick Check program, many claims can be paid with a check on the spot. Click on Our Offices and someone will be happy to discuss our policy with you in more detail. They can also tell you about our condo and tenants policies. Protection for Your Home Liberty Mutual's homeowners insurance policies range from comprehensive coverages for your home to specific protection for valuable possessions. A Liberty Mutual LibertyGuard® Deluxe Homeowners Policy includes these coverages: Protecting Your Dwelling Your residence is protected against direct physical loss except those exclusions specifically stated in your policy. Covering Other Structures Special physical loss protection is also provided for other structures located on your home premises such as a garage, tool shed or garden house. Protecting Your Personal Property "Named Peril" loss protection is provided for your personal property such as furniture, clothing, appliances, etc. Guarding Loss of Use Provides protection if a loss makes your home unusable. Personal Liability Protection You and your family are protected against claims by others for accidental bodily injury or damage to their property. Medical Payments to Others Pays for the necessary medical expenses incurred within three years of the date of an accident causing bodily injury (does not apply to you or regular residents of your household). Discounts We offer a variety of money-saving discounts (availability varies by state): Discounts for installing smoke/heat alarms Discounts for insuring your home to 90% or 100% of replacement cost New home discount Inflation protection discount Multi-policy discount Claims Service Should a loss occur, Liberty's Claim Service gives you prompt, efficient claims attention. 24-hour claims service Thousands of professional employees who provide prompt, efficient claims service On-the-spot claims checks for structural and personal property claims with our Quick Check Program Hassle-free replacement of many personal items with direct shipment to your residence and the invoice billed to Liberty Mutual An extensive network of approved contractors that can appraise the damage to your home and will honor Liberty Mutual estimates. If one of our approved contractors completes the repairs, we guarantee the quality of their work See Special Home Services for more information on the benefits of being a Liberty Policyholder.

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