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Homeowners Insurance

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What does homeowners insurance cover?

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

What is hazard insurance?

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What is hazard insurance?

What is hazard insurance? Hazard insurance describes a type of home insurance coverage that covers catastrophes, like fires and severe storms. Damage to your home from things like hail, strong winds, smoke, and fire are all considered to be in this category. Depending on your state, you may be required to purchase specific types of hazard insurance, such as hurricane coverage.

Liberty Mutual offers a number of standard and custom coverages that can protect your home from hazard damage.

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How much is home insurance?

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How much is home insurance?

How much is home insurance? Things that impact the cost of home insurance

  • The location of your home and the surrounding environment.
  • The type of weather your state experiences.
  • The age of your home.
  • If you have recreational features, like a swimming pool or trampoline. Generally, the less risk you have the lower your price may be. It all depends on your unique needs. Keep in mind that you can lower the cost of your premium by increasing your deductible, if you prefer.

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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Water backup coverage2
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.4
Auto Home

Bundle and Save

You could save $842 on customized auto and home insurance.3
Home

Newly Purchased Home

Congrats on your new home! Enjoy some celebratory savings with your policy.4

Looking for some advice? We can help.

Moving
Moving truck packed with furniture
Answers to common questions about how to handle your home insurance during a move.
Water damage
Water stained ceiling with mold
The key to mold control is moisture control.

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Common questions

1Optional coverage. Subject to a deductible. May vary by state.
2Optional coverage. Not available in all states, and may vary by state.
3$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.
4Discounts 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.