Homeowners Insurance Coverage
Get protection for your home and what’s inside.
Understanding Homeowners Insurance Coverage
Homeowners Insurance coverage protects your home and your possessions against damage or loss from events like fire, theft, storm damage, frozen pipes, and more. It also provides liability coverage for personal injuries sustained by others on your property. Liberty Mutual offers customized Homeowners Insurance coverage designed to fit the needs of you and your family.
If your house or other structures on your property, like a garage or tool shed, are damaged or a deemed total covered loss, we’ll arrange for them to be repaired or replaced.
If your personal possessions, like furniture, clothing, and appliances, are damaged or deemed a total covered loss, we’ll arrange for them to be repaired or replaced.
If someone is accidentally injured or has their own property damaged while on your premises, Liberty Mutual will defend any claims against you and pay those claims up to your policy limits. We’ll also pay for reasonable and necessary medical expenses up to the limit you purchased, regardless of who was at fault.
Additional Living Expenses
We'll cover your additional expenses if, due to a covered loss, you need to live elsewhere while repairs are being made to your home, enabling you to return to living your life as quickly as possible.
- The characteristics and the potential cost of replacement of your home and additional structures on the premises.
- The location of your home, which includes its proximity to fire protection, as well as local statistics on burglaries, weather events, and other potential risk factors.
- The deductible amount you choose on your policy. A higher deductible means you will pay a lower premium.
- Ensuring that your home has proper protection, like deadbolt locks, a security system, and smoke detectors and alarms.
Home Protector PlusTM
If you need expanded coverage and additional benefits like coverage for unforeseen costs when rebuilding your home or replacing personal property, adding will increase your protection.
Coverage for Valuables
If you own certain high-value items, such as jewelry, art, or camera equipment, you should consider adding this coverage.
Liberty Mutual will automatically adjust your coverage limits at your policy’s renewal to keep pace with inflation and you will also receive a discount on your policy premium.
The descriptions of coverages and programs are necessarily brief and are subject to policy provisions, limitations and exclusions that can only be expressed in the policy itself. Coverages and programs vary by state and are not available in all states. For a complete explanation of coverages, please consult a sales representative.