Homeowners Insurance Coverage

Get protection for your home and what’s inside.

man researching homeowners insurance coverage
Your house is more than just walls and a roof – it’s a home, and you want to make sure that everything that’s inside of it is protected too.

Liberty Mutual’s Home Insurance coverage options make sure that you can create a policy designed to fit the needs of you and your family.
+Coverage for Your Home-Coverage for Your HomeCoverage for Your Home
Liberty Mutual Homeowners Insurance protects your home and other structures on your property - like a garage or tool shed - against damages or loss from things like fire, storm damage, theft, pipes freezing and more.
+Personal Possessions-Personal PossessionsPersonal Possessions
If your personal possessions - including furniture, clothing and appliances - are damaged or lost as a result of a covered loss, we'll arrange for them to be repaired or replaced.
+Additional Living Expense-Additional Living ExpenseAdditional Living Expense
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.
+Home Protector Plus™-Home Protector Plus™Home Protector Plus™
If you want expanded coverage and additional benefits - including additional coverage for unforeseen costs when rebuilding your home or replacing personal property - you should consider adding this coverage. Learn more about Home Protector Plus™.
+Extra Coverage for Valuables-Extra Coverage for ValuablesExtra Coverage for Valuables
If you own certain high-value items, such as jewelry, art or camera equipment, you should consider adding this coverage.
If someone is accidentally injured or has 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.
+Inflation Protection-Inflation ProtectionInflation Protection
If you purchase Inflation Protection Coverage at an additional cost, Liberty Mutual will automatically adjust your policy limits to keep pace with inflation - and you will 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.

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