Homeowners Insurance

We customize. You could save on your home insurance.

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Some of the things your home insurance policy covers

Personal Property
Your belongings
Fire
Fire, water, and weather damage
Property Damage Liability
Damage to someone else’s property
Medical Payments
Medical bills if someone is hurt at your home

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

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.
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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.
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Wind/Hail
A bad hail storm causes damage to your windows. This will help you get them repaired.
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Hurricane
Your roof suffers damage when a hurricane sweeps through. This will help to cover the repair cost.
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Personal Property Replacement Cost1
Your home is broken into and your TV is stolen. Replace your TV with this coverage.
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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.
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Discounts that help you save

Savings Discount

Online Purchase Discount

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

Bundle and Save

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

Newly Purchased Home

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

Begin your free online quote

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Common questions

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.