One of the nation's largest insurers, Liberty Mutual offers standard renters coverage with some customizable options. Liberty Mutual’s user-friendly website and app make it easy for consumers to find the right coverage for their needs.

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Liberty Mutual renters insurance star rating
4.0NerdWallet rating 
Liberty Mutual renters insurance earned 4 out of 5 stars for overall performance. NerdWallet’s ratings are determined by our editorial team. The renters insurance scoring formula takes into account policy coverage options and discounts, ease of filing a claim, website transparency, the financial strength of the company, complaint data from the National Association of Insurance Commissioners and more.

State availability
Liberty Mutual renters insurance is available nationwide.

» MORE: The best renters insurance companies

Liberty Mutual renters insurance coverage
Landlords sometimes require tenants to purchase a policy with a minimum amount of renters liability insurance, but otherwise, the coverage you choose is generally up to you. Below are the four types of coverage included in most standard renters policies:

Type of coverage

What it does

Personal property

Covers your clothing, furniture, electronics and other belongings.

Loss of use

Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.

Liability

Pays out if you're responsible for injuries to other people or damage to their property.

Medical payments

Covers injuries to other people in your home, regardless of fault.

For more details, see What Does Renters Insurance Cover?

Liberty Mutual also offers a few customizable coverage options:

Blanket jewelry coverage to replace your jewelry if it’s lost or stolen. There is no deductible or appraisal required.

Earthquake coverage for residents who live in areas that have frequent earthquakes. This coverage includes damage caused by aftershocks up to 360 hours after the initial earthquake.

Replacement cost coverage for reimbursement of a covered loss.

Identity theft coverage to cover your wages and attorney fees and to help you monitor your credit in the event that your identity is compromised.

» MORE: The best cheap renters insurance

Discounts
Depending on where you live, you may be able to get discounts for:

Bundling policies with Liberty Mutual.

Enrolling in autopay.

Purchasing your policy using the Liberty Mutual website.

Not filing a claim for at least five years with your previous insurer.

Getting a quote from Liberty Mutual before your current policy ends.

» MORE: The average cost of renters insurance in every state

Consumer complaints
Liberty Mutual had close to the expected number of complaints to state regulators relative to its size for home insurance, according to three years’ worth of data from the National Association of Insurance Commissioners. (NAIC home insurance complaints cover other home policy types, including mobile home, renters and condo insurance.)

» MORE: Liberty Mutual pet insurance review

Consumer experience
Website: Liberty Mutual’s website is easy to use and offers an online quote tool. You can also use the website to purchase and manage your policy, file and track a claim, and find an insurance agent near you.

App: Liberty Mutual’s mobile app is available for Android and iOS. You can use the app to file a claim, make a payment, access your coverage details and view your digital ID card.

Claims: You can file a claim online, through the Liberty Mutual app or on the phone at 800-225-2467. After you’ve filed your claim, a representative will reach out to you within 1-2 business days. You can track your claims progress through the Liberty Mutual website and app.

Customer service: You can reach customer service at 800-290-8711. You’re also able to view and manage your policy and get help 24/7 by signing into your online account.

» MORE: Liberty Mutual home insurance review

Where Liberty Mutual stands out
Online presence. You can use Liberty Mutual’s website to get quotes and manage your policy, so there’s no need to speak with an agent unless you want to.

Availability. Liberty Mutual sells its policies nationwide and offers plenty of other products for those who want to bundle their renters with auto or other types of insurance.

Where Liberty Mutual falls short
Discounts. Although Liberty Mutual offers several ways to save on your policy, it doesn’t have as many discounts as some other major insurers.

Liberty Mutual vs. other insurers
Liberty Mutual

State Farm

Allstate

Star rating

4.0NerdWallet rating 
5.0NerdWallet rating 
4.5NerdWallet rating 
Coverage

More than average.

More than average.

More than average.

Discounts

Average set of discounts.

Great set of discounts.

Great set of discounts.

Complaints

Close to the expected number.

Fewer than expected.

More than expected.

Read full reviews

Liberty Mutual renters insurance review.

State Farm renters insurance review.

Allstate renters insurance review.

Other renters insurance companies to consider
Not ready to make a decision? You may be interested in these other renters insurance companies:

Allstate. Allstate sells renters insurance across the nation, along with most other insurance products.

Assurant. Assurant renters insurance includes extra perks, but has few discounts.

Nationwide. Nationwide renters insurance covers more than just the basics.

State Farm. One of America’s biggest carriers, State Farm offers multiple renters coverage options and gives you the ability to bundle insurance types.

Frequently asked questions
How can I contact Liberty Mutual?

What other types of insurance does Liberty Mutual offer?

How do I get a renters quote from Liberty Mutual?

About the author: Ciarra Jones is a former home and auto insurance writer for NerdWallet. Read more

METHODOLOGY
Renters insurance ratings methodology

NerdWallet’s renters insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverage options, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full renters insurance rating methodology.

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.