Renewing Your Policy: Frequently Asked Questions

Answers to your most important questions.

family at beach after renewing policy
While we try to give you as much information as possible about your policy, questions about price and coverage are among the most frequently asked when your policy renews. Find these questions along with our answers below, and visit the pages listed in the right-hand column to get even more information.
Why do insurance prices change?

Insurance premiums are very personal to each customer and are determined by many factors, including adjustments to the deductibles, coverage limits, and discounts within your policy, along with price changes in your state. Other factors are based on the world around you, including rising healthcare and repair costs and the overall accident frequency of all drivers on the road. We use as much information as possible to make sure we provide you with the right coverage at the right price.
Visit Our Rate Change Page:

Do I have the right amount of coverage?

As life changes, the type and amount of coverage you need may also change too. Coverage Compass details what’s already in your policy, shows you potential gaps, and lets you explore additional coverage for which you are eligible. You can also get a new quote for any coverage you would like to add to your policy.
View Your Coverage CompassTM:

Where can I find more information about what the types of coverage in my policy mean?

The coverage within your policy is unique to your individual situation. You can visit our dedicated coverage pages for more information about the types of coverage within your policy.
Visit Our Coverage Pages:

How can I get more information on common auto and home topics?

Want to know how to keep your car on the road, prepare for bad weather, and make repairs around your home? These are just some of the topics covered by MasterThis, our go-to resource with strategies and solutions designed to empower you to worry less about the challenges that come your way.
Visit Master ThisTM:

What do I do if I need to file a claim?

Filing a claim can seem like a stressful situation, but it doesn't have to be. You can report a claim in three easy ways:

  1. Online: Log in to our eService site and answer some simple questions about your claim. Once you're done, you'll receive a unique claim number you can use later to track its progress.
  2. By App: In addition to reporting your claim, the Liberty Mutual Mobile App allows you to map your location via GPS and take pictures of your damage to help you record key details. Available for both iPhone and Android devices, search "Liberty Mutual" in your app store.
  3. By Phone: You can always call 1-800-2CLAIMS (1-800-225-2467) and speak to a claims representative 24 hours a day, 7 days a week.
Easily File a Claim:

How can I save more money on my policy?

We know that saving money is important to everyone, so we offer many discounts to help our customers save. Below are a few of the ways you can continue saving:

  1. Policy Discounts: There are discounts already built into your policy, and you could qualify for more.
  2. Multi-Policy Discount: Save when you bundle two or more of your policies together.
  3. Go Paperless: Help the environment and save even more paper when you choose to access your documents electronically.
  4. Automatic Payment Options: Choose to pay your bill electronically, and save on installment fees by signing up for Electronic Funds Transfer (EFT) or Recurring Credit Card (RCC) processing.
Many Ways to Save: