Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Mar 29, 2022

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The Lowdown

  • Liberty Mutual ranks as the fifth largest property and casualty insurance carrier in the U.S. and has written more than $36.2 billion in claims.
  • Liberty Mutual customers can access great benefits that include robust coverage options with numerous discounts and digital tools.
  • Your state and region will determine your coverage level and your rates, which may fluctuate greatly depending on your situation .

Liberty Mutual offers a variety of coverages in all 50 states, plus Washington D.C. In addition to its fast online process and coverage options, what stands out about Liberty renters insurance is the number of discounts available for policyholders.

You will be able to find multi-policies and claims-free discounts for your renters insurance, in addition to discounts when you enroll in other programs, such as autopay. With Liberty’s mobile app and online claims process, you can communicate with Liberty Mutual almost exclusively without needing to call a representative and have access 24/7 to your policy details.

To learn more about Liberty renters insurance, keep reading below for more details about policies and discounts available. Already ready to start saving? Enter your ZIP code above into our free and easy-to-use tool to start your quote comparisons today. 

Liberty Renters Insurance

Typically, Liberty Mutual renters insurance policies meet the most basic needs of policyholders, while also providing room for personalization.

The Liberty Mutual insurance company has an abundance of discounts that can help customers keep their costs low as well as within a certain budget range.

These policy costs can fluctuate drastically depending on your area and the state you live in.

With a standard renters insurance policy, it covers:

  • Personal property. Furniture, clothing, electronics, and valuables up to a certain amount
  • A guest’s medical bills. If they are injured in your rental unit
  • Necessary repairs. If someone else’s property is damaged because of an accident on your property
  • Reimbursement for living costs. If your home becomes uninhabitable for a covered reason
  • Liability. Including legal expenses, if the policyholder, a family member, or a pet injures someone on the rental property

Renters coverage from Liberty Mutual comes with industry-standard protection and the chance to add two or three endorsements.

What's CoveredDetails
Personal propertyThis covers the cost of replacing your belongings when a covered event damages them. You can choose between replacement cash value and actual cash value coverage.

Actual cash value will allow you to receive compensation to replace damaged items based on their current value, which takes into account depreciation. Replacement cash value has a higher premium because you’ll be given a cash value to buy new items.
Loss of useIf a covered event, like fire or water damage, requires you to temporarily live elsewhere while your home is getting repaired, your policy will cover living expenses that exceed your typical amount.
LiabilityIf you’re responsible for bodily injury or damage to the personal property of someone else, your policy will cover the cost of medical bills or repairs. It may even cover legal fees if someone sues you.
Medical payments to othersIf someone gets injured in your home, you can file a claim to have your insurance provider cover their medical bills.
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Renters insurance costs as low as $5 per month with the most basic plan. Your deductible could be $250, $500, $1,000, $2,500, or $5,000, based on your state and region.

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Are there any discounts offered for Liberty Renters Insurance?

Since the company’s main drawback is its rates, which can alternate between the cheapest and most expensive options depending on the state or region you live in, you may want to look into applying for discounts. Thankfully, Liberty Mutual has many discounts available to choose from.

Discounts include:

  • Claims-Free. Saving if you haven’t filed a claim with your previous provider for five years or more
  • Military Discount. Any active, retired or reserve members of the military can receive this discount
  • Early Shopper Discount. If you get a quote with Liberty Mutual before your current policy expires, you are eligible to save up to 45%
  • Smart Home. Installing any smart protective devices in your home, like a security system
  • Protective Devices. Adding smoke alarms, deadbolts, fire extinguishers, fire alarms, burglar alarms or sprinklers to your home will qualify you for this discount
  • Multi-Policy. Bundling your renters insurance policy with another form of protection from Liberty Mutual
  • Preferred Payment Discount. Sign up for automatic payments linked to your bank account
  • Online Purchase Discount. Purchase a renters insurance policy online to receive a discount
  • Paperless Policy Discount. Get a discount for electing to receive your bill electronically

In most cases, renters insurance coverage is only available for policies that have up to $25,000 worth of assets to protect. Anything after that is not covered. However, you can purchase coverage for as little as $5,000.

Add-ons

Liberty renters insurance offers these coverage add-ons to its standard renters insurance policies:

  • Replacement cost coverage. If you have suffer any covered loss, your compensation will not be lessened by the depreciated value of your property
  • Blanket jewelry protection. This raises the limits of protection for jewelry damaged or stolen during a covered event
  • Earthquake insurance. If you live in an eligible area, you can add this protection to protect your property from the damage of earthquakes

These are not all-inclusive and may fluctuate depending on the state and area you reside in.

How do I file a claim with Liberty Mutual?

The Liberty Mutual renters insurance phone number is: 855-914-8626. Once called, a representative will forward you to the correct department in order to file your claim.

Their claims department is open 24/7, but the sales and customer service departments have limited availability.

Additionally, policyholders can file a claim 24/7 online (you will need your Liberty renters insurance login to access your account) or by calling Liberty Mutual at their customer care number listed above.

Once you have filed your claim, Liberty Mutual will provide you with a claim number that you can use to track your claim’s status. In some cases, you may need to submit additional documentation such as photos and receipts or complete an interview with a representative in order to finish filing your claim.

Liberty Mutual Renters Insurance Reviews

The company’s financial health, evaluated by A.M. Best, is rated excellent for both its auto and homeowners policies. However, Liberty Mutual’s customer service ranking averages about a 3.5/5. This is shown to be a bit lower than some of its competitors.

According to the NAIC, Liberty Mutual has a complaint index of 0.5, meaning it gets about half the expected complaints, while the Better Business Bureau rating sits at a solid B.

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Liberty Renters Insurance Review: Key Takeaways

When looking for affordable renters insurance, Liberty renters insurance is a great option. With their discounts and many customizable features, Liberty Mutual has made it an easy choice among its many competitors.

There are some things to watch out for though, before you sign up for your policy. Every state and region will have different rates and may even fluctuate greatly depending on if you move at any point within your policy’s term. Additionally, Liberty Mutual’s customer service does rank lower than some of its competitors, so be aware if you plan on filing a claim.

Now that you’ve learned about Liberty renters insurance, take the time to enter your ZIP code into our free tool below, and start comparing your rates today.

Liberty Renters Insurance Review [2022] Additional Information

Liberty Renters Insurance Review [2022] is a company that was incorporated in . Liberty Renters Insurance Review [2022] is a insurance company and has assets of , capital of $, and net surplus of $.

The president of Liberty Renters Insurance Review [2022] is , the treasurer is , and the secretary is . Liberty Renters Insurance Review [2022] insurance plans include
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Liberty Renters Insurance Review [2022] is located in , and the phone number for Liberty Renters Insurance Review [2022] claims, customer, service, and additional information is .

Liberty Renters Insurance Review [2022] Insurance Quotes

If you already have Liberty Renters Insurance Review [2022] insurance quotes then be sure that you compare your quoted Liberty Renters Insurance Review [2022] insurance plans with insurance quotes from many other top insurance companies so that you can find the very best insurance plan for your needs. Enter your zip code in for free insurance quotes now!