Skip to content
Loading...Affected by Hurricane Ian? We hope you're safe. If you need to file a claim, the fastest and easiest way is online or through our app. Due to the expected volume of claims, there may be a delay in speaking to a representative on the phone.

Homeowners Insurance

Save on your home insurance with a customized policy

Enter your ZIP code to start your custom homeowners insurance quote

windowpane front door with wreath

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

out of 5 starsStar EmptyStar EmptyStar EmptyStar EmptyStar Empty
/ 5

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.

Couple holding key in front of their home

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.

Begin your free online quote

Woman sitting down on floor on her tablet with man in the background

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

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. 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.

Shingles coming off the roof

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.

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 different coverage options, so you only pay for what you need.

Real life example


A fire in your kitchen results in damage to your space. This will help cover the cost.

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.


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


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

Personal Property Replacement Cost Coverage1

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

Water Backup & Sump Pump Overflow 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.

Explore home insurance for your state and get a quote

We’ll make sure you get the home insurance coverage required where you live. Then, you can customize your coverage, so you only pay for what you need.

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.

Our impact

$64 million+
Total corporate and employee giving
$11.5 million+
Give with Liberty, employee giving
Volunteer with Liberty, hours logged

Homeowners insurance discounts that help you save

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


Online Purchase Discount

You could save 10% when you get customized home insurance on

Bundle and SaveLoading...

You could save $947 on customized auto and home insurance.3

Newly Purchased Home

Congrats on your new home! Enjoy some celebratory savings with your policy.

Paperless Policy Discount

It's a win-win. Good for your wallet and the environment.5

Safe Homeowner Program

If your policy remains claims-free with us for 3 years, you could save on your premium.6

New Roof Discount

A new roof is smart investment that earns you a discount on your homeowners insurance.5

Those are just a few ways Liberty Mutual helps you save on your homeowners insurance costs. See if you qualify for any other savings opportunities below.

Looking for homeowners insurance advice? We can help.

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. Learn how to prevent issues before they start!
Insurance for valuables
Couple admiring an engagement ring
Everything you need to know about protecting your valuables.

We’ve got all your property insurance needs covered

Homeowners insurance helps protect your home and personal belongings from the unexpected, so you can have peace of mind. It also may help provide coverage if you accidentally damage someone else’s property or somebody is injured at your home.


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.


I’m looking for a condo policy

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


I need to insure a rental property

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


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.

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

Begin your free online quote

Common homeowners insurance questions

Customer reviews

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

5 out of 5 starsStar FilledStar FilledStar FilledStar FilledStar Filled
June 14th, 2020
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.

Paid in a very timely matter

5 out of 5 starsStar FilledStar FilledStar FilledStar FilledStar Filled
April 12th, 2020
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.

Worked well on a claim with unknown cost at outset

5 out of 5 starsStar FilledStar FilledStar FilledStar FilledStar Filled
August 18th, 2019
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.

First time home buyer

4 out of 5 starsStar FilledStar FilledStar FilledStar FilledStar Empty
July 30th, 2019
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.


5 out of 5 starsStar FilledStar FilledStar FilledStar FilledStar Filled
July 19th, 2019
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.7
1Optional coverage. Subject to a deductible. May vary by state.
2Optional coverage. Not available in all states, and may vary by state.
3$947 Savings Figure: Savings validated by new customers who switched to Liberty Mutual between 1/2020-10/2020 and participated in a countrywide survey. Savings may vary. Comparison does not apply in MA.
4NOT AVAILABLE IN CA. Not available in all states. Discount applies to base policy coverage, not optional coverages or endorsements.
5Discounts 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.
6Discount will vary by customer and are subject to policy deductible. Not available in Texas.
7Selected 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