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Liberty Mutual customer disclaimer

Auto

12-Month Rate Guarantee: Your rate is guaranteed for one full year from your effective date. Rate guarantee may not apply if there is a midterm change in underwriting risk that impacts your policy premium.

24-Hour Roadside Assistance: Coverage is provided on the optional Towing & Labor Coverage endorsement. May vary by state. Applies to mechanical breakdowns and disablements only, and may be subject to limits. Real time tracking may not be available with all roadside assistance service providers.

Accident Forgiveness: ACCIDENT FORGIVENESS NOT AVAILABLE IN CA. Terms and conditions apply.

Accident Prevention Course Discount: Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

Accident-Free Discount: Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

Alternative Energy Discount: Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

Better Car Replacement™: Optional coverage in some states; availability varies by state. Eligibility rules apply.

Car Seat Replacement: Applies to Child Restraint Systems (CRS), any device designed for use in a motor vehicle to restrain, seat, or position children, including car seats, booster seats, or factory-installed built-in child restraints. Must have a covered collision or comprehensive loss. A deductible may apply, coverage not available in all states. Additional rules apply. Speak to a Liberty Mutual claims representative for more details. CA requires seats to be in use to be replaced, regardless of extent of damage. Specific NHTSA guidelines may apply per state.

Car Windshield Repairs: Deductible may apply.

Full Glass Coverage: Comprehensive and Collision coverage required; eligibility rules and conditions apply. Not available in all states.

Genuine Replacement Parts: Genuine OEM Replacement Parts available, except where prohibited by state law.​

Good Student Discount: Discounts and savings are available where state laws and regulations allow, and may vary by state. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

Guaranteed Repair Network: Guaranteed Repair Network not available in Rhode Island or Massachusetts. In Massachusetts, we offer you our Superior Service Program (SSP), which is similar to the Guaranteed Repair Network. However, the estimate will be completed by a Liberty Mutual appraiser. For more information, speak to your Liberty Mutual Claims Representative.

HighwayHero: Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

Homeowner Discount: Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

Liberty Mutual ByMile™: Coverage provided and underwritten by Liberty Mutual Insurance Company and its affiliates; coverage not available in all states.

Liberty Mutual Claims Valet Service™: Claims Valet Service™ is available if you have a covered loss and your policy contains rental car reimbursement. Other restrictions and eligibility rules apply; coverage availability varies by state.

Liberty Mutual Deductible Fund®: Optional feature. Applicable to collision coverage only. Subject to terms and conditions. Availability varies by state.

Liberty Mutual Express Estimate™: Express Estimate™ is not available in all states; other eligibility rules apply. Contact your Liberty Mutual Claims Representative for details.

Lifetime Repair Guarantee: The property damage must be covered by your policy and repairs completed by a Guaranteed Repair Network Vendor. Guaranteed Repair Network not available in Rhode Island or Massachusetts. In Massachusetts, we offer you our Superior Service Program (SSP), which is similar to the Guaranteed Repair Network. However, the estimate is completed by a Liberty Mutual appraiser. For more information, speak to your Liberty Mutual Claims Representative.

Military Discount: Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

Multi-Car Discount: Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

New Car Replacement™: Optional coverage in some states; availability varies by state. Eligibility rules apply.

New Move Discount: Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

New Teen Driver Discount: Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

New to Liberty Mutual Insurance Vehicle Discount: Not available in NY.

New Vehicle Replacement: Optional endorsement. Applies to a covered total loss. Your car must be less than one year old, have fewer than 15,000 miles, and have had no previous owner. Does not apply to leased vehicles or motorcycles. Subject to applicable deductible. Availability may vary by state.

OEM New Replacement Parts: Optional coverage provided on the Original Parts Replacement endorsement. Comprehensive and Collision coverage required. Glass not included. Eligibility rules and restrictions apply; may vary by state.

Paperless Discount: Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

Payroll Deduction: Affinity employer groups of 100-plus members only.

Preferred Payment Discount: Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

Rental Car Reimbursement: Coverage is provided on the optional Transportation Expenses Coverage endorsement. Damage must be a covered loss. Elected rental car coverage daily limits will apply. May vary by state.

RightTrack® Discount: The RightTrack® discount applies only to the participating vehicle’s base coverages, which may include Bodily Injury, Property Damage, Comprehensive, Collision, Personal Injury Protection (PIP) or Medical Payments, Uninsured Motorist, and Underinsured Motorist (subject to state availability). Initial discount may vary by state and will be replaced with a final discount upon completion of a review period; not available in all states.

RightTrack® Program: Not available in all states.

Student-Away-At-School Discount: Discounts and savings are available where state laws and regulations allow, and may vary by state. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

Superior Service Program (SSP): Professional vehicle repair, with a limited lifetime warranty, available in Massachusetts and Rhode Island.

TechSafety™ Discount: Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

teenSMART Driving Course Discount: Discounts and savings are available where state laws and regulations allow, and may vary by state. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

Vehicle Safety Features Discount: Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

Violation-Free Discount: Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

Property

Additional Living Expenses: Stated policy limits apply. Not available in all states.

Blanket Jewelry Coverage: Optional additional coverage that covers jewelry only. One option per policy. Exclusions may apply.

Burglar Alarm Discount: Discounts and savings are available where state laws and regulations allow, and may vary by state. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

Catastrophe Rapid Response Unit: Not available in all areas.

Claims-Free Discount: Subject to eligibility requirements, and may vary by state. In some states, weather-related claims are not considered qualified claims in determining eligibility for this discount.

Computer and Smartphone Coverage: Optional coverage provides additional protection for owned or leased items such as computers, peripheral devices, software, and media, including smartphones and iPads. Items such as “smart” appliances, with computer chips or the like, are not covered. Other restrictions apply. Borrowed items not covered. Deductible will apply. Availability may vary by state.

Credit Card, Fund Transfer Card, Forgery, and Counterfeit Money: Exclusions apply.

Home Protector Plus™/Home Protector Package™: Optional coverage. Subject to applicable deductible, and policy terms and conditions. Not available in all states.

Insured to Value: Discounts and savings are available where state laws and regulations allow, and may vary by state. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

Liberty Mutual RealTime Review™: Not all claims are eligible for RealTime Review™. Not all claims are eligible to receive their payment in one day; other eligibility requirements apply.

Loss Assessment Coverage: Optional coverage. Applies to a covered loss. Subject to applicable deductible and limits.

Loss Forgiveness: Subject to eligibility requirements; benefits and eligibility requirements may vary by state.

Loss of Use: Limitations apply.

New Roof Discount: Discounts and savings are available where state laws and regulations allow, and may vary by state. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

New/Renovated Home Discount: Discounts and savings are available where state laws and regulations allow, and may vary by state. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

Personal Property Coverage (Coverage C)

Personal Property Replacement Cost Coverage: Optional coverage. Subject to a deductible. May vary by state.

Preferred Contractor Network: Availability of Preferred Contractor Network may vary by state.

Protective Devices Discount: Discounts and savings are available where state laws and regulations allow, and may vary by state. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

Recent Home Buyer Discount: Discounts and savings are available where state laws and regulations allow, and may vary by state. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

Safe Homeowner Program: Discount will vary by customer and is subject to a policy deductible. Not available in Texas.

Scheduled Personal Property: Optional additional coverage. Subject to limitations.

Seasonal/ Secondary Residence Discount: Discounts and savings are available where state laws and regulations allow, and may vary by state. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

Secured Gated Community: Discounts and savings are available where state laws and regulations allow, and may vary by state. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

Smart Home Discount: This program, including the discounts, savings, and benefits, is not available to the residents of AZ, CA, FL, GA, IN, MD, MI, MT, ND, NJ, NY, SD, TN or WY, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

Water Backup & Sump Pump Overflow Coverage: Optional coverage. Not available in all states; may vary by state.

Auto & Property

Early Shopper Discount: Discounts and savings are available where state laws and regulations allow, and may vary by state. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

Multi-policy Discount: Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

Specialty Insurance

Accident Insurance: Liberty Insurance Underwriters Inc., a Liberty Mutual Company, issues Accident Insurance on policy form IA-2018024 and state variations identified by state code. Accident Insurance provides benefits if a covered injury is sustained in a covered accident, and it is not a substitute for major medical insurance. Product design and availability vary by state. Features and benefits may vary based on state approval. The policy form contains definitions of each of the injuries covered by the policy and the periods during which the injury must be diagnosed. This is a limited policy. Payment of benefits is in the form of a cash payment. Payment is based upon sustaining a covered injury in a covered accident and is subject to policy terms and conditions, and exclusions, including exclusions for sickness and disease, and for injuries sustained during certain specific activities. Home office: 175 Berkeley Street, Boston, MA 02116.

Critical Illness Insurance: Liberty Insurance Underwriters Inc., a Liberty Mutual Company, issues Critical Illness Insurance on policy form LIUI ICI P001 and state variations identified by state code. Critical Illness Insurance for qualifying diagnoses, accidents, and/or events is not a substitute for major medical insurance. Payment of benefits is subject to pre-existing conditions, benefit waiting periods, and all policy terms and conditions. Product design and availability vary by state, and Critical Illness Insurance is not available in all states. Features and benefits may vary based on state approval. This policy provides limited benefits and is subject to lifetime and other maximum benefit limitations, and to a reduction in benefit amounts and/or termination on and after certain ages. Home office: 175 Berkeley Street, Boston, MA 02116.

Life Insurance: Life and annuity distributed through Helmsman Insurance Agency LLC Boston, MA 02116

Motorcycle Insurance: Availability varies by state; qualifications and conditions apply.

Pet Insurance: Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits, and exclusions may apply. For all terms and conditions, visit www.hartvillepetinsurance.com/terms. Preventive and Wellness Care reimbursements are based on a schedule. Complete CoverageTM reimbursements are based on the invoice. Levels 1-4 reimbursements are based on usual and customary eligible costs. Products, rates, and discounts may vary and are subject to change. Products are underwritten by United States Fire Insurance Company, produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227), a Crum & Forster company. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance GroupTM is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by A.M. Best Company 2018.

RV Insurance: Availability varies by state; qualifications and conditions apply.

Umbrella Insurance: Rates vary. Applicants individually underwritten. Your home or boat policy does not have to be with Liberty Mutual, but minimum liability limits are required.

Watercraft Insurance: Availability varies by state; qualifications and conditions apply.

All

Convenient Payment Options/Automatic Payment Options: Available to 12-month Superior and Ultra auto policies in TN and MN; terms and conditions apply.