Skip to content

Homeowners Insurance

Save on your home insurance with a customized policy

Enter your ZIP code to start your custom quote

windowpane front door with wreath

What does homeowners insurance cover?

Loading...
Your belongings
Loading...
Your home and any other structures, like a shed
Loading...
Fire, water, and weather damage
Loading...
Damage to someone else’s property
Loading...
Medical bills if someone is hurt at your home
Loading...
A place to stay if your home suffers damage that makes it unlivable

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

Home protected with homeowners insurance

What is home 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.

Shingles coming off the roof

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.

Woman sitting outside on the phone

Understand your homeowners coverage options

The best homeowners insurance policy is the one that meets your needs at the right price. Get a better idea of what a home insurance policy could look like for you by getting familiar with your coverage options, so you only pay for what you need.

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.
Checkmark

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.
Checkmark

Wind/Hail

A bad hail storm causes damage to your windows. This will help you get them repaired.
Checkmark

Hurricane

Your roof suffers damage when a hurricane sweeps through. This will help to cover the repair cost.
Checkmark

Personal Property Replacement Cost1

Your TV is stolen. You’ll be covered for the cost of a brand new one to replace it (rather than it’s depreciated value).
Checkmark

Water backup coverage2

Due to a sump pump backup, your bathroom sink overflows and causes water damage to your first floor. This coverage will help you get it taken care of.
Checkmark

Explore home insurance for your state and get a quote

Homeowners discounts that help you save

We take savings seriously. Check out some of our most popular homeowners insurance discounts.

Loading...

Online Purchase Discount

You could save instantly when you purchase your policy online.4
Loading...
You could save $842 on customized auto and home insurance.3
Loading...

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.

We’ve got all your property insurance needs covered

Loading...

Do I need flood insurance?

If you’re in a high-risk flood area and have a mortgage, it’s very likely you need separate flood coverage.

Loading...

I’m looking for a condo policy

If you’re in a condo, you’ll want condo specific insurance, sometimes called an H06 policy.

Loading...

I need to insure a rental property

Protect your investment with a policy specially designed to protect your property as a landlord.

Loading...

I rent, do I need property insurance?

Regardless if a landlord requires you to or not, renters insurance is always a smart choice - and an affordable one.

Begin your free online quote

Loading...

Ready for a quote?

Common homeowners insurance 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.