- Property Insurance
- Homeowners Insurance
- Homeowners Insurance Coverages
Homeowners insurance coverages
Homeowners insurance coverage protects your house and your possessions against damage or loss from events like fire, theft, storm damage, frozen pipes, and more. It also provides liability coverage for personal injuries sustained by others on your property.
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Insurance coverage for your belongings
Personal Property
Pays the actual cash value of covered personal property that needs to be replaced due to a covered loss.
Personal Property Replacement Cost
In the event of a covered loss, we'll pay the actual cash value for items at the time of loss, then up to the full amount of the cost in today's market.1
Blanket Jewelry
Replaces your jewelry if it is lost or stolen, with no deductible or up-front appraisal necessary.
Insurance coverages for damages
Personal Liability and Medical Payment to Others
Covers you in the event of injury or property damage to somebody else.
Dwelling
Covers your home and the structures on your property.
Wind and Hail Damage
Covers your property for damage caused by wind and hail.
Other coverages
Service Line
Additional coverage to protect your home from an unexpected service line failure.
Home Systems and Appliance Breakdown
Additional coverage to protect your home from an unexpected system or appliance breakdown.
Water Backup
Additional coverage for water damage caused by sewer backups, or sump pump failures.
Hurricane damage
Insurance coverages for expenses
Additional Living Expenses/Loss of Rent
Covers any necessary increase in living expenses incurred by you and your house so that you can maintain their normal standard of living.2
Inflation Protection
Automatically adjust your coverage limits at your policy's renewal to keep pace with inflation and you will also receive a discount on your policy premium.
Want to learn more about maintaining your home? We can help.
Liberty+
Protect your biggest investment — your home
Liberty+ is a free online resource where Liberty Mutual policyholders can find invaluable guides, step-by-step instructions, and expert advice to help protect their homes.
More about home insurance
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1Optional coverage. Subject to a deductible. May vary by state.
2Stated policy limits apply; not available in all states.