The Liberty Mutual website also gives you the ability to use the home or life insurance quote tool to get a good estimate of plan costs. Coverage for Valuables – Offers added coverage for high-end items such as jewelry or art.Īs with the company’s other insurance policies, you can use the Liberty Mutual eservice tool to manage claims or control your account online.Inflation Protection – Automatically adjusts your coverage limits and the policy renewal to keep pace with inflation.Home Protector Plus – Offers expanded coverage and protects against unforeseen costs when rebuilding your home or replacing personal property.All Liberty Mutual homeowners insurance policies cover the following basic components: Liberty Mutual Home InsuranceĪs the third-largest home insurer in the United States, Liberty Mutual has the power of a strong financial backing behind its homeowners insurance. In addition to insurance coverage for standard cars, Liberty Mutual also offers policies for different vehicles, such as antique and classic car insurance, motorcycle coverage, boat and watercraft coverage, RV coverage and ATV coverage. Auto coverage requirements vary from state to state, but Liberty Mutual’s online quote tool is easy to access and use to find your ideal policy. If you want to save money further, you can bundle several Liberty Mutual policies for a discount. Liberty Mutual also offers a variety of standard discounts, including a multicar discount, a preferred payment discount, hybrid vehicle discount and vehicle safety features discount. Accident Forgiveness – If you’ve gone five years without an accident or violation, Liberty Mutual doesn’t raise your rates due to your first accident.Auto Recall Notification Service – You don’t miss out on a vehicle recall with this notification service.12-Month Rate Guarantee – While many auto insurers adjust rates every six months, Liberty Mutual offers 12-month policies.24-Hour Roadside Assistance – This optional coverage provides peace of mind with roadside assistance any time of the day or night.Teachers Auto Insurance – If you’re a teacher, this coverage protects any teaching tools or supplies you store in your car.Deductible Fund – Lower your collision deductible and even reduce the amount you pay out-of-pocket if you file a claim.Rental Car Reimbursement – Liberty Mutual covers the funds of a rental car if you’re in an accident and your vehicle needs repairs.Better Car Replacement – If your car is totaled, you receive money to replace it with a car that is one year newer and has 15,000 fewer miles on it.New Car Replacement – If your new car is totaled within the first year and 15,000 miles, you receive money for a brand new car, not the depreciated value of the car you totaled.Liberty Mutual also provides a number of additional coverage packages and benefits, including: Liberty Mutual car insurance provides the same standard coverage that you can expect from most auto insurance providers, including bodily injury liability, property damage liability, medical payment coverage and collision and comprehensive coverage. While you can file a claim at any time, Liberty Mutual’s customer service agents are unavailable by phone during certain nighttime hours, which can be inconvenient. Liberty Mutual’s insurance agents and sales representatives are located throughout the country, making it convenient if you prefer face-to-face interaction. It also offers an online quote tool, which is handy if you need to shop for various policies.
Liberty Mutual offers a robust online platform to manage your policy, track a claim or make a payment.