Homeowners Insurance

We customize. You could save on your home insurance.

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What comes standard

The coverage you need
  • Dwelling
  • Personal possessions
  • Liability
  • Additional living expenses

Add-on protection & coverage

Customized insurance for you
  • Coverage for valuables
  • Water backup & sump pump overflow
  • Inflation protection

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Discounts that help you save


Protective Devices

If you have devices like smoke alarms, deadbolts, and burglar alarms, you'll see savings.

Newly Purchased Home

If you just bought a new place, you qualify for savings.

Bundle and Save

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

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Need help getting started?

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 normal living expenses while your home is being repaired after a claim, up to your policy limit.1


This is the initial amount you pay out-of-pocket before your coverage kicks in. In most cases, you'll need to pay your deductible up front, even if the claim wasn't your fault.


The total price you pay for your policy.


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 any claims against you, as well as any reasonable and necessary medical expenses.

For more helpful definitions, check out our Insurance Glossary

1Stated policy limits apply; not available in all states.
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.