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Homeowners insurance

You could save 10% when you get customized home insurance online.1
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Save on home insurance with a customized policy.

Every home is unique. At Liberty Mutual, you can customize coverages to get the best homeowners insurance for your home and needs at an affordable price. Start your home insurance quote to see how much you could save when you only pay for what you need!

Average customer rating

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Save money with these homeowners insurance discounts

Start your homeowners quote to see how much you can save.

Online Purchase Discount

You could save 10% when you get customized home insurance on
Learn about saving with discounts

Bundle and Save

You could save $950 when you bundle your customized auto and home insurance.2
See our bundling savings options

Newly Purchased Home

Congrats on your new home! Enjoy some celebratory savings with your policy.
See more home insurance discounts

These are just a few of the ways Liberty Mutual can help you save on your homeowners insurance costs.

What is homeowners insurance?

Homeowners insurance helps cover your home and personal belongings in a covered loss. In general, homeowners insurance pays for damages and/or losses due to things like theft, fire, severe weather, and injuries due to an accident on your property.

Accidents happen and the weather's outside of our control. Homeowners insurance is one way to help you prepare. If you own a home and value the things inside, make sure you're protected with homeowners insurance. Some policies can also cover things like

  • A hotel if your home is unlivable
  • Roof repair
  • Personal property replacement
  • Drying out services, and more

How does homeowners insurance work?

In general, homeowners insurance is a contract between you and your insurance company. This contract works like this

  1. You pay a premium (money) to your insurance company
  2. In return, the insurance company promises to cover future damages (per the contract) to your home if a covered loss happens

All homes are different. Your premium, or amount you pay, for a homeowners policy is based on many factors including

  • Location
  • Materials used to build the home including foundation, walls, and roof
  • Personal items in the home
  • How the home is used (rental, business, etc.)
  • Credit score, and other factors

OK, so you pay your bill, and then you have a covered loss. This is where your insurance company comes in. Let's pretend that there's a hailstorm causing damage to your roof. In general,

  1. You'd file a claim with your insurance company
  2. The insurance company would assess the damage and verify it's a covered loss per the contract
  3. If it's covered, they would pay for the damage minus any deductible (the amount you owe)

At Liberty Mutual, we offer customers this service whose homes have been damaged by wind or hail through our Guaranteed Repair Network.

That's pretty much it.

What does homeowners insurance cover?

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

How to compare homeowners insurance companies

When comparing homeowners insurance quotes, you may see a lot of similarities. That goes for if you're looking for the best homeowners insurance or the cheapest homeowners insurance. That's because there are common coverages most mortgage companies require like

  • Personal Property Coverage
  • Personal Liability and Medical Payments to others
  • Dwelling (property damage to your home)
  • Wind/Hail
  • Hurricane Damage

There are also recommended coverages based on the state you live in.

Tips for comparing homeowners insurance quotes

  • Compare coverages and make sure the options meet your needs
  • Choose the same deductibles because they can affect your quote prices
  • Optional coverages can affect your price like Personal Property Replacement Cost or Water Backup Coverage (not always available)

When comparing home insurance, you should also think about how easy it is to deal with the company. At Liberty Mutual we make property insurance easy. Our fast and easy quotes let you customize your home coverages so you only pay for what you need.

At Liberty Mutual you'll also get our free and easy to use mobile app that lets you

  • Manage your policy
  • Make a payment
  • Update preferences
  • File a claim anywhere, any time

These are just a few ways Liberty Mutual helps make homeowners insurance easy. For more help on figuring out which coverages you need, check out our homeowners insurance coverage calculator.

Last but not least, you should also consider the insurance company's reputation. At Liberty Mutual, we believe progress happens when people feel secure — and that goes beyond insurance.

Download our app - the easiest way to manage your policy

QR code for mobile app
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Open the camera on your phone, hold it up to the QR code, and tap the link to download.

Access your ID cards

Save them right to your device for proof of Insurance.3

Pay and manage bills

Quickly pay bills, enroll in Autopay, and update billing preferences.

File and track claims

File a claim in minutes when you need it.
  • Access your ID cards
  • Pay and manage bills
  • File and track claims
  • ...and more!

How much is home insurance?

With Liberty Mutual, the cost of your home insurance is customizable, so you only pay for what you need. Things that will typically impact the cost of home insurance include:

  • The location of your home and the surrounding environment
  • The type of weather your state experiences
  • The age of your home and systems
  • 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 needs. Keep in mind that you can lower the cost of your premium by increasing your deductible, if you prefer.

Ready to start a homeowners quote online?

Get a quote in minutes. Here's what you'll need:

  • Basic information about your property
  • Basic information about you, any co-owners, and occupants
  • Ownership or mortgage status
  • Details about your home's construction and any safety features
  • If you have an existing homeowners insurance policy

Get started creating your custom homeowners insurance quote

Start my quote

Explore home insurance for your state and get a quote

Common homeowners insurance questions

Begin your free online quote


Ready for a quote?

Customer reviews

June 14th, 2020

Great Home Owner's rates for home with In-ground Pool

5 out of 5 starsStar FilledStar FilledStar FilledStar FilledStar Filled
Great rates on Homeowner's insurance with a pool. Most other companies were several hundred dollars a year higher. Although auto rates are little higher than some other companies. We do receive a bundle discount.
April 12th, 2020

Paid in a very timely matter

5 out of 5 starsStar FilledStar FilledStar FilledStar FilledStar Filled
We had a very big and bad hail storm right after we bought our house and half of the town was getting new roofs. Liberty Mutual was on top of the game paying us in a timely matter and hassle free.
August 18th, 2019

Worked well on a claim with unknown cost at outset

5 out of 5 starsStar FilledStar FilledStar FilledStar FilledStar Filled
We had a major freezeup during subzero weather while on vacation. LM was very cooperative. After having us prove that we hadn't run out of oil, they allowed us to proceed with repairs even though there was no way at the outset to make a realistic estimate of all the hidden plumbing damage. Although the cost was far larger than we guessed at the beginning, we kept them apprised of what the contractor was finding as we worked and upon completion they paid the whole bill, less our large deductible, without argument.
July 30th, 2019

First time home buyer

4 out of 5 starsStar FilledStar FilledStar FilledStar FilledStar Empty
They are very kind and do call you back. They answered all my questions. I was able to bundle both my auto insurance and home insurance. I am a first-time home buyer and they made the process easy for me to understand.
July 19th, 2019


5 out of 5 starsStar FilledStar FilledStar FilledStar FilledStar Filled
KUDOS TO LIBERTY MUTUAL! Yesterday (17 July 2019) at 4:11 PM, I filed an insurance claim online with Liberty Mutual for the massive damage caused by a 5" garter snake to our Trane A/C unit. The claim was processed by [REDACTED NAME] [REDACTED NAME] of Liberty Mutual and approved by 4:24 PM. This morning at 8:30 AM, a check was deposited in our checking account for the full amount of the claim. That is great customer service.
For more customer reviews about Liberty Mutual, please visit the Clearsurance website.4

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1NOT AVAILABLE IN CA. Not available in all states. Discount applies to base policy coverage, not optional coverages or endorsements.
2$950 Auto & Home Savings Figure: Average savings based on a countrywide survey of new customers who reported savings when they switched to Liberty Mutual between 10/2021 and 09/2022. Savings may vary. Comparison does not apply in MA.
3Insurance ID cards are permitted in most states; however, some states do not permit the use of Mobile Insurance ID cards as proof of insurance.
4Selected 4 and 5 star customer reviews about Liberty Mutual as shown on Clearsurance. For all customer reviews about Liberty Mutual shown on Clearsurance, please visit
Liberty Mutual does not currently offer wildfire mitigation actions insureds can take that would impact underwriting or rates.