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Homeowners Insurance Quotes

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. With Liberty Mutual, you can customize coverages to ensure you get the best homeowners insurance for your home and needs at an affordable price. Start a home insurance quote online to begin customizing coverages for your home insurance policy, so 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.
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Online Purchase Discount

You could save 10% when you get customized home insurance on LibertyMutual.com.1
Learn about saving with discounts
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Bundle and Save

You could save $947 on customized auto and home insurance.2
See our bundling savings options
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Newly Purchased Home

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

Those are just a few of the ways Liberty Mutual helps you save on your homeowners insurance costs.

What is homeowners insurance?

Homeowners insurance is protection for you, your home, and personal belongings from things like theft, fire, severe weather, or even accidents involving an injury on your property. In the event that something unexpected happens, homeowners insurance can help pay for related expenses and protect your assets. Depending on your policy, you could be covered for expenses such as a hotel if your home is unlivable, roof repair, personal property replacement, or drying out services.

How does homeowners insurance work?

In the event your property is damaged, once you've ensured you're safe and the source of the damage is stopped, you can file a claim. We'll ask for details about what happened, the damage, and if you need immediate assistance. A Claims Representative will help process your claim and provide help if you need it. You might have to pay a deductible before your insurance coverage kicks in and your policy may have coverage limits, but homeowners insurance will take care of everything in between.

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

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. Some hazards, like earthquakes and floods, are not typically covered by homeowners insurance and coverage will need to be purchased separately. Home hazard insurance is different from homeowners insurance but can be added to your standard homeowners policy. Depending on your state, you may be required to purchase specific types of hazard insurance, such as hurricane coverage.

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

How to compare homeowners insurance companies

When you compare quotes from homeowners insurance companies, you might notice a lot of similarities between your options. That's because there are some common types of property coverages, such as Personal Liability or Hurricane, that might be required by your mortgage company or suggested based on the state you live in.

Tips for comparing homeowners insurance quotes

  • Compare coverages and make sure the options meet your needs.
  • Choose similar deductibles because they can affect your price from quote to quote.
  • Optional coverages, like Personal Property Replacement Cost or Water backup coverage, aren't offered by all insurance companies, and could affect your quote price.

Other things to consider when comparing home insurance options are ease of use and convenience. Liberty Mutual property insurance lets you customize your coverage, so you only pay for what you need. We also have an easy-to-use mobile app that's a digital gateway to your insurance. You can manage your policy, payments, preferences, and even file a claim from anywhere, at any time.

Homeowners insurance coverage calculator

Another thing to consider is the insurance company's reputation - for doing what's best for their customers and their communities. 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
  • 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.

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

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Customer reviews

June 14th, 2020

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

Kmarz555
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

harrisadam78
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

bvb
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

Rosavsc
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

SAVED FROM A SERPENT BY LIBERTY MUTUAL

tpmedia
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$947 Savings Figure: Savings validated by new customers who switched to Liberty Mutual in 2021 and participated in a countrywide survey. 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 https://clearsurance.com/insurance-company/liberty-mutual-insurance-5835ece073b103329e91abc5