Homeowners Insurance

We customize. You could save on your home insurance.

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Some of the things your home insurance policy covers

Your belongings

Fire, water, and weather damage

Damage to someone else’s property

Medical bills if someone is hurt at your home

We customize your insurance so you only pay for what you need.

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Home protected with homeowners insurance

Will I be covered for storm damage, like wind and hail?

You’re covered.

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Will I be covered for storm damage, like wind and hail?

Coverage for wind and hail come standard with every Liberty Mutual policy. Depending on your state, you may be required to have a separate wind/hail deductible, though. Once you start your quote, we’ll help you determine what you need. Keep in mind your claim is subject to all provisions of your policy.

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What happens if I need to file a claim?

We’re here for you.

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What happens if I need to file a claim?

That’s what we’re here for. You can file a claim by phone, online or through our app 24/7.

You can even get damage assessed on the spot with RealTime Review™

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Understand your homeowners coverage options

Coverage

Real life example

Standard

Add-on

Dwelling

A fire in your kitchen results in damage to your space. This will help cover the cost.

Personal Liability

A neighbor slips and falls, breaking their wrist at your house. If the person decides to take legal action, you’ll be covered.

Wind/Hail

A bad hail storm causes damage to your windows. This will help you get them repaired.

Hurricane

Your roof suffers damage when a hurricane sweeps through. This will help to cover the repair cost.

Personal Property Replacement Cost¹

Your home is broken into and your TV is stolen. Replace your TV with this coverage.

Escape of Water

Due to a backup, your bathroom sink overflows and causes water damage to your first floor. This coverage will help you get it taken care of.

See all coverage options

Discounts that help you save

Online Purchase Discount

You could save instantly when you purchase your policy online.³

Bundle and Save

You could save $842 on customized auto and home insurance.²

Newly Purchased Home

Congrats on your new home! Enjoy some celebratory savings with your policy.³

View all discounts

Begin your free online quote

Common questions

The cost of your homeowners coverage is largely determined by five factors:

Location
Risks like extreme weather, crime rate, and distance to a fire station all can impact your rate. For example, you might pay more for waterfront property or if you're located in an area prone to mud slides. Construction costs also vary by region, which is another factor that determines your homeowners rate.

Estimated replacement cost
This is different from the current tax assessment or market value of your home, and accounts for the actual cost to rebuild the structure of your home. For example, if your home was destroyed in a storm, how much would it cost to rebuild it? That amount is the replacement value. Not only are materials and labor considered, but inflation and availability of building materials.

Age and condition
This is determined based on very specific details like building materials, age of the roof, and the furnace's condition. For older homes, we also factor in whether the building materials are still available and their current market price.

Safety devices
Having dead bolt locks, a burglar alarm, smoke detectors, and other home safety features will all help you stay safe and lower the cost of your home insurance policy.

Your deductible
In short, the lower your deductible (the initial amount you pay out-of-pocket before coverage kicks in), the higher your premium (the total amount that you pay for an insurance policy).
It's not always easy to know the difference between certain terms when it comes to insurance. Let's clear up exactly what the most important ones mean.

Additional Living Expense
This helps cover your living expenses while your home is being repaired after a claim, up to your policy limit.

Deductible
The initial amount you are responsible for before coverage kicks in. In most cases, this amount is simply deducted from your payout after a claim. For example, if your deductible is $500 and you have a $2,000 claim, you will receive $1,500.

Premium
The total amount that you pay for an insurance policy.

Dwelling
Another term used to describe the part of your home insurance policy that covers physical structures on your property.

Scheduled Items
These are pricier belongings (jewelry, art, etc.) that typically require additional coverage, since the standard home policy limits the amount you can claim per item.

Liability Coverage
If someone else is injured or has their belongings damaged on your property, this covers claims against you, as well as reasonable and necessary medical expenses.
You’re excited about your new home, but you might be equally as nervous about a home inspection. Here are some answers to frequently asked questions to help you understand what to expect.

Why is an inspection required for my home?
An inspection may be required to confirm that the condition of your property and exposure to any hazards meet standards for an insurable home.

Where will the inspectors look?
Exterior: The outside of your home, yard, and roof.

Roof: The inspector will walk along the roof to assess its condition.

Interior: The inside of your home, including the heating, electrical, and plumbing systems.

What happens with the information they collect?
The information is used to assess the condition of your home and, if necessary, make changes to your policy. Your information is kept strictly confidential.

What happens after?
Your policy may be adjusted depending on the results of the inspection to ensure that your home is adequately protected. In certain states, roof coverage may be adjusted based on the condition of the roof.

More about home insurance

Homeowners discounts

Homeowners coverages

Coverage Calculator

¹Optional coverage. Subject to a deductible. May vary by state.

²$842 Savings Figure: Savings validated by 2019 countrywide survey of participating new customers who switched to Liberty Mutual and saved. Savings may vary. Comparison does not apply in MA.

³Discounts 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.

Homeowners Insurance

We customize. You could save on your home insurance.

Enter your ZIP code to start your custom quote

Some of the things your home insurance policy covers

Will I be covered for storm damage, like wind and hail?

Will I be covered for storm damage, like wind and hail?

What happens if I need to file a claim?

What happens if I need to file a claim?

Understand your homeowners coverage options

Discounts that help you save

Online Purchase Discount

Bundle and Save

Newly Purchased Home

Begin your free online quote

Ready for a quote?

Common questions

More about home insurance

Call for a quote

1-800-295-1722

24/7 Roadside Assistance

1-800-426-9898

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