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- Homeowners Insurance Coverages
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Your belongings
Covered by Personal Property Replacement Cost
OPTIONAL COVERAGEIn 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.
Covered by Blanket Jewelry
OPTIONAL COVERAGEReplaces your jewelry if it is lost or stolen, with no deductible or up-front appraisal necessary.
Damages
Covered by Personal Liability and Medical Payment to Others
COMES STANDARDCovers you in the event of injury or property damage to somebody else.
Covered by Dwelling
COMES STANDARDCovers your home and the structures on your property.
Covered by Wind/Hail
COMES STANDARDCovers your property for damage caused by wind and hail.
Covered by Hurricane
COMES STANDARDCovers damage to your property in the event of a hurricane.
Expenses
Covered by Inflation Protection
OPTIONAL COVERAGEAutomatically 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.
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.
Homeowners insurance coverage calculator