Liberty Mutual Reviews
3.43 / 5 based on 467 Reviews | Submit Your ReviewSatisfactionClaimsCostBillingService
The Liberty Mutual Insurance Group is among the top 10 insurance companies in the world. The companies employs more than 38,000 employees, owns 4 major subsidiaries and perhaps as many as 34 smaller ones. As an employer, Liberty Mutual is an impressive corporation. From it's beginnings as a workers compensation insurance firm, Liberty Mutual has grown to become one of the most influential insurance companies to be found.
Company Information175 Berkeley Street
Boston, MA 02117
(617) 574-5955 (Fax)
Last Updated: 2019-03-30
Company Reviews (467)
Superb!!, March, 2019
Outstanding rates and better Coverage! Liberty Mutual provides me with a more coverage and saves me over half of what I was paying.
I also switched my car insurance coverage with Liberty and save over $150 a month and have way better coverage! I am very Happy and would highly recommend.
Excellent company, highly recommend, March, 2019
After a serious accident, Liberty Mutual handled the claim quickly and the representatives were supportive and helpful. Very good experience in a very trying time.
Good Agent, September, 2018
Our agent is the best without someone like him I might as well call into some call center service. Our agent is what made us switch and stay with Liberty Mutual.
excellent, May, 2017
Good Company, January, 2017
I have not had any problems with Liberty Mutual. Good customer service, payroll deduction, Customer service always talks to me like they have always known me.
excellent, May, 2016
My wife & I have been totally satisfied with my total package
Long term, April, 2016
Long term relationship seeking additional policy for max coverage
Alyssa Holten, January, 2016
I have nothing but high praise for Alyssa Holten and her staff at Liberty Mutual. She made purchasing the right policy simple and easy. Give her a call and you too will be impressed.
provide good support when accident happend, December, 2015
I have bought all car and home insurance from liberty mutual many years. We never claim any accidents until recently electrical fire happened at my home on May, 2015.
Liberty mutual insurance helped us a lot to repair my home. Especially their adjuster team comes to my home to estimate the lost for fire home and provide the immediately support for paying monthly loss to cover mortgage cost until my home repaired.
Liberty Mutual adjuster team also help to provide support to negotiate the repair cost with my contractor to and provide me many good advises to select to contractor.
I very appreciate adjuster team big helps to expedite the estimation of repair cost .
Without adjuster team -Brian , Joseph, Kathy , Charles" help, my home can't repair on time.
I also need to thank insurance agent Sherry help to suggest the right insurance policy to cover my home. With this fire home experience, I just realize how important of insurance company can help you. I will continue to use liberty mutual insurance for whole life.
excellent, October, 2015
excellent but cannot afford at this time.need something less expensive to fit budget.
excellent INS. co, October, 2015
When you are very satisfied with a company such as Liberty Mutual why would you want to change.Nothing Else needs said.
Wonderful, July, 2015
looking for better estimate, July, 2014
greatest company i ever had, August, 2013
they are great and I hate to leave them but they don't cover thisarea
what guotes from different companies, August, 2013
want to know if it would be cost effective to change companies and must be a reliable company like Travelers
Great company a lot of band for the buck!
Liberty Mutual is a pleasant experience, May, 2013
I enjoyed having Liberty cover my homeowners. I will see if they offer great prices on renters insurance as well, as I have just sold my home.
very satisfied just checking around for other options
Homeowner, April, 2013
Outstanding!! Please have a look..., January, 2013
My older Volvo was caught in a Flood. After working with my claims rep we agreed on a settlement, however, I felt it was a low amount. A few days later,(you won't believe this, but its true), another rep phpned me and asked if I had time to review the claim. She said she had been told I was unhappy with the settlement and would try to adjust it. I was shocked that an Insurer would offer more $$ after we had agreed on the amount! Well, they did, and I recieved an additional $500. True Story, and Liberty Mutual now has a Customer for life!! Great People!! Thanks, Mike C. Rockaway Beach, Oregon.
Mainjeweler, Pa., August, 2012
Best insurance company I've done business with in over thirty years, as well as being very price competitive. I had been with Allstate for many years prior but found Liberty to be less expensive for higher limits of coverage.
Satisfied Customer, March, 2012
Was dissatisfied with previous insurance company. A family member told me about Liberty. When I called I was instantly impressed with service. The price is quite good also.
Liberty Mutual Insurance Company is GREAT !, March, 2012
We have had insurance with Liberty Mutual for 9 years now and we are Very Happy with them in every way! Thank You Liberty Mutual Insurance Co. for being So Great and helpful !!!
changing insurance, March, 2014
Insurance was changed by agent and I was paying two insurances, as they closed Liberty and went with Citizens I wasnt able to get Liberty back
Unbelievable customer attention, June, 2015
I use Liberty Mutual for my Renter's and auto insurance and have across 3 different states and have never regretted it for a second! You receive a dedicated line of contact and this person somehow manages to remember all of your info and help you get the best deal possible. They are so kind and generous with their time I don't understand how they manage. They are always there to help you out 100% of the way and they never seem to let anything slip through the cracks! I cannot recommend them enough!!
rates, March, 2013
shopping for better rate
Always satisfied, July, 2015
I have been insured by Liberty Mutual for many years. Their service has been excellent but I would like to see if I could get a better price.
Easy and Trustworthy!, August, 2012
No claims, but customer service has been tops from LM.
great, August, 2014
Great Company, August, 2014
Due to the death of my husband I can no longer afford the premiums
Expensive, September, 2013
Policy is way more expensive than my former carrier, Prudential.
Liberty Mutual has been our choice for 22 years. We have 2 homes and 2 cars insured with them and always satified with customer service.
good service, January, 2012
good salesman,prompt,reliable,priced better than average,detailed policy,very friendly salesman ,knowlagble,answer all questions asked....return phone calls..etc..
Professional and Responsible , September, 2017
The commercial claims handing is superb. In all instances they provide timely and professional claims support. We will continue to insure with this carrier. The claims handlers in the Northeast, particularly Syracuse, NY, are consistently excellent!
was bundled with geico, July, 2016
excellent sevice, November, 2014
Excellent Company. They Insure only my home in
Buffalo NY. The home in Florida is not insured
untill we close around the 17th of December. This will be our second Home. Liberty does not write
for second homes
Just shopping for same coverage at a better price. What I do every year because current policy holder always goes up on coverage.
Good company, September, 2013
Great price, good reputation, but then they raised my rates 35%
Compare with other companies, May, 2013
We have had no complaints with this company but just wanted to see what other companies are offering
good, April, 2013
Excellent company, June, 2014
Liberty Mutual is an excellent company. I insure 2 autos and my home with them. They came right out after a recent hurricane and took care of all my needs. They are fast, efficient, no hassles and the reps are all awesome.
Condo coverage, June, 2013
Every ins. Co. Has its weaknesses, liberty mutual s is condo coverage
excellent choice, takes care of their clent very well
we are in process of having large trees removed
Dropped again in Florida, August, 2012
Great company, just suffering from being dropped because I live in Florida.
like llibery mutual but want to see if anything lo, August, 2015
Great till dumped, January, 2014
We were very happy with customer service and rate until for some strange reason we get the letter that says we need to insure elsewhere. No true real reason given. So much for loyalty to a company!
Cost reduction, April, 2013
Looking for a less expensive policy with better coverage.
Lib.Mutual does not cover rental in Ga.
Need to lower all mosts. It a shame that some cust service reps can change your entire perspective about a company in only a few bad choices in wording,
Cost going up, April, 2013
Each year the cost of my policy goes up. Would like to see it remain since i'm not filing claims!
good, July, 2015
review must be at least 20 words long review must be at least 20 words long review must be at least
Looking to save money, February, 2014
I have moved from home ownership to apartment with father to own apartment in senior housing. Looking to decrease cost.
renters insurance, October, 2013
Elsie Harewood, August, 2013
I am checking for Insurance coverage because Liberty Mutual sent a letter saying, they have decided not to renew our policy.
good company, August, 2012
They are a good company but want to insure us for more than we want based on under air square feet.
We own the house outright - we feel that 250,000 is satisfactory and would be comfortable with that amount if we had a total loss.
Customer Service, July, 2012
Good service and payment terms also always reminds you of when payments are due and all the details. They do a good job.
Not insuring homes in Florida
Disappointed, February, 2013
I have all my insurance policies, including home owners (4)with Liberty Mutual and I was shocked and very disappointed to receive a letter of cancellation for 2 incidents. Shanme on them for this rewarding of customer loyalty,
allgood, December, 2015
fine, May, 2015
Liberty Mutual Review, February, 2013
I have never been dissatisfied with this insurance company. However,, their newest policy is to drop homeowners insurance in Hillsborough County, Florida. Therefore, I am seeking a new insurance company.
looking for the same coverage, with my vehicles added to the policy
Excellent company just needing to lower our costs
Sad to see Liberty Mutual leave S Florida, June, 2013
I am upset that they are pulling out of my area.
Not Renewal, February, 2013
After being with them 15 years for auto and homeowners they have chosen not to renew our policy.
no claims, September, 2013
Never had a claim so I guess they are great. How would I know? Customer service has been excellent, duh.
high cost of auto insurance, September, 2012
Escalated a high figure, because an accident of my husband, otherwise it is a good company. we were satisfied otherwise. thanks for the years of service
satisfied, August, 2015
Homeowner, July, 2013
Liberty Mutual is not insuring home any longer.
GH, June, 2013
`, September, 2012
Excellent Rating And Costing, April, 2016
Greating ratings, costs, and customer service
Looking for a less expensive company, November, 2015
Very Satisfied, April, 2015
increased too much, March, 2015
renewal refused, September, 2014
Policy renewal refused because of photos and bill for repairs was never sent. Repairs was done myself out my own pocket. they took pictures of the damages. claims was not covered in the policy except for the ice storm power loss $250.00 for food loss.
shopping around, February, 2014
I have been with Liberty Mutual for over 13 years, and they have been great. Unfortunately the current cost of the policy seems high, so I am shopping around.
My insurance review, December, 2013
Liberty Mutual offers pretty low cost insurance and are available if I have questions. They have been loyal to me for over 15 years with several different homes.
New Valrico Home, October, 2013
We need a new policy for our new home. Liberty Mutual is like many Insurance company's that are not taking on new policies in FL. They are a great company. Not their fault.
Good Insurance company, September, 2013
We really like Liberty Mutual. Their customer service is always above and beyond. My last adjuster needed a little guidance but overall LM is a great company to insure with.
Received notice from Liberty Mutual they are no longer underwriting homeowner insurance policies through no fault of mine, just their company decision.
Looking around now, May, 2013
Their price was too high last year.
I needed another quote or two now!
They are pulling out of Florida and have cancelled policies in this state. What a pity that the large companies have been forced to leave
great Company, April, 2013
I have been with this company since 1992.Never had a problem with them.It is a shame that they are decreasing there homeowners business in S. Florida and I am one of the clients they are eliminating. I am having a difficult time trying to replace my insurance.
Nice People -- though prices are rising!, February, 2013
Really good people working there and have always like them. But costs are rising and need to see if anyone else offers better rates!
Non renewal, September, 2012
I recently recieved a letter from Liberty Mutual stating that my policy would not be renewed in March of 2013 due to the fact that they were reducing loss exposure by not renewing policies in SW FL. I have had 1 minimal ($ 1500.00) claim w/ them in 43 yrs..I am very disappointed that they have elected to take this course of action. I have had auto insurance w/ them for 43 yrs. I am not going to renew my auto policy w/ them either.
dont make a claim $$$$, March, 2015
Why I don't wish to renew, March, 2014
I had an addition added to my home in January. My premium was adjusted. Two months later my premiums jumped more than 15%. When I asked why, there answer was not an answer.
Liberty Mutual , August, 2012
We are very satisfied with Liberty Mutual for our home in Georgia. My husband resides in Georgia and I am living in our condo in Panama city Beach, FL.
Liberty Mutual has an excellent claims department.
Theit rates went up 60% in 5 years, September, 2016
Their rates went up 60% in 5 years
liberty mutual, March, 2015
I think its a very good company, its a very reachable price for the insurance of my car in satisfied whit it.
Liberty Mutual, August, 2014
Had auto / home. Added Teenage daughter to policy, rates no longer competitive. Good company though.
Cost, April, 2013
Company was good, but cost increased alot last two years for home and auto with no claims placed.
Shopping to keep cost down, April, 2013
Each year I make no claims and each year my premium cost increases. Looking for a company that rewards good customers with discounts.
good, June, 2015
insurance change, August, 2012
They are no longer covering our homeowners, without any reason. So we are changing our home and auto to a different company.
seeking lower rates, January, 2016
Great Customer Service, January, 2016
A great company
My insurance went up and no accidents or tickets, January, 2016
All rate components keep increasing too much, July, 2015
Good Service, May, 2015
Very good customer service and pricing, especially with the car bundle. They have accident and ticket forgiveness, but nothing more serious.
Rate Increased, May, 2013
premiums increased 23% from last year
cost went high, February, 2013
the cost for no reason has gone up each year
Not happy, January, 2013
Company dropped me after 25 years and no claims.
Not happy and could not give a reason why!
It is a good company
Prudential sold business to Liberty Mutual, September, 2012
Price Jump, August, 2012
Poilcy is essentially doubling from the last time of renewal. I think this is riduculous since my property value has gone down.
Very Good with our auto claim, February, 2016
My son had a deer run into him at night. I started to fill out the claim online, but stopped when I was given the option to submit a photo.
I received a call first thing the next morning letting me know which local shops I could take the car to, and that they'd cover the rental for 30 days while the car was being fixed. They were proactive and very helpful.
Happy with Liberty Mutual but since we moved they are not writing new home/renters policies in Florida
Renewal Condo Insurance, May, 2012
I have been with Liberty Mutual for 20 years; however, my renewal premium is outrageous - thus,
the reason for my non-renewal.
T Florio, March, 2012
My agent was most helpful with both my auto and condo insurance, and now, have added life insurance to my portfolio.
insurance is just getting to high, April, 2016
whats going on with west virginia insurance, it keeps going up and up. never had a claim and it still is going crazy. home is paid for and at this rate I dont need insurance
good, September, 2015
Price is a little high, but customer service is good.
comparison shopping, September, 2013
seniors on fixed income.need a comparison of rates/have neighbors and friends payimg much less than we are paying so need to compare.
sept 2013 , August, 2013
i love the company , i love the agent never filed claim on car or house ,have had house ins one yr and car insurance 2 yrs but i cant afford the house insurance at my age, its not the company its the cost.
I really like my insurance company just looking for cheaper insurance.
homeowners, September, 2012
Prices too high. Customer Service satisified.
Insurance, July, 2012
Company have very good customer service but shopping around for prices due to high increase in premiums every year
Was great when we first started with them., March, 2015
Agent was great for 1st policy period. Rates continually go up substantially. After 5 years of safe driving and only 1 windshield claim rates keep rising. Homeowners policy has went up drastically over the same period with NO claims. Have to take time off work to go in to try to get lower rates every policy renewal. Getting ready to switch Insurance company.
ok, July, 2016
service is good, May, 2016
OK, but wary, March, 2016
I just got LM insurance 6 mos ago, based on good business reviews and cost compared to my previous company (who we were with for 15 yrs, but they kept raising prem exponentially for no reason, never a claim). So far LM is "ok" but I'm a little wary and will keep a close eye on them for several reasons: poor user reviews, sloppy handling of paperwork (never notified when prem due, first pymt not processed as instructed, agent difficult to reach and VM says "will return Feb 16" and today is March 1, etc, etc, etc) ... simply sloppy and I'm always wondering if details are handled correctly, so end up doing them myself or constantly double-checking. Getting nervous I will miss something and SURE they will ... then what. My husband shakes his head over my changing of companies and says "you get what you pay for". Right.
Great company, just becoming almost unaffordable., July, 2013
Bought homeowners insurance from them as I have been quite happy with my auto coverage. Have been with Liberty Mutual roughly 9 years I think.
Downside, my homeowners coverage has increased almost 40% without having ever filed a claim.
Had a loss on the auto policy, and consequently paying a bit higher surcharge now, they say due to the claim, OK......So, if I pay a "surcharge" for a claim I had on my auto policy I understand, but, when I ask about why my homeowners is so high, they respond that it is due to all the property claims they ve had...Great!!!! Let those folks pay a "surcharge" as they had filed claims don't make me pay for their claims. Besides.....What do they do with all the cash they get during the many years they collected premiums and we had no hurricanes.... Alicia in 83 to Rita in 2003 / 2004??? Gee that is a lot of premium years with no major payouts !!
HOMEOWNER IS NOT PROVIDED ANY LONGER FOR SARASOTA
COUNTY. I HAVE NEVER CLAIM ANY DAMAGE. THREE TO FOUR MONTHS A YEAR THE PROPERTY IS RENTED. I HAVE NO ANIMALS.
Cost, May, 2013
My home and car insurance went up about $400. this year.So we thought we would shop around. the Company itself was great.
Very satisfied, July, 2012
Very satisfied with company, but will like to compare various insurance companies for the best services.
Satisfied, September, 2015
Liberty is ok with home policy. The two auto policies increased. Therefore I am comparison shopping. I will consider staying with Liberty or moving on.
policy cost, April, 2015
I need to have a policy costing me 1300.00 per year
Rates higher than NC insurance commission allows
Unhappy with company policy, August, 2013
totally unfair for them to stop writing home owners insurance, since there has not been a hurricane in Miami since 2005. We paid exorbitant premiums for HO while the insurance companies such as Liberty reap huge profits writing automobile policies. If they write auto insurance they should write homeowners too. STOP TAKING ADVANTAGE OF THE CONSUMERS.
only bad thing. rates went up for no reason
o.k Company, October, 2015
The service was good. as far as requests
the price is more than I can budget right
now for the year.
Great company but raising rates, January, 2015
We really like Liberty Mutual for home and auto. However, they are raising rates again for no apparent reason - over 60% in two years!
okay, January, 2014
Good policy unreasonable annual increases, January, 2014
They provided a great policy but the annual increases where too steep. You can compensate for a lower payment by reducing your coverages which is not acceptable to me.
can't write any florida policies, September, 2013
Have 2 homes and 2 cars insured with liberty but not writing homeowners in florida
Good customer Service but high premium cost , March, 2013
Good customer Service but high premium cost
need lower rate, September, 2012
If lower rates cannot be found then the alternitives are to stop eating or live without insurance. When insurance companies price you out of the market the choice is mandatory.
reasonable insurance, July, 2012
compared to what we were paying the premium was reasonable
Cancelled, January, 2017
I know longer can afford to renew this policy, having to pay renewal fees. I moved from Las Vegas to New Oleans.
I feel policy is too expensive, so thought I would shop arround. We had insurance on our Hawaii home through Costco which there was Ameriquest and was very happy with thier coverage. But we recently sold our home there and moved back to Alaska, we usually travel between Ak. & Hi. 6mon in each state. But we are now just traveling for a few months in the Sataes.
mr anthony ragno, July, 2012
they over insured my home at $124 pert square foot replacement cost when a more appropriate rate is $80 per square foot.
Good , May, 2015
renewal policy is much too much- looking 4 a more reasonable coverage- i won't renew if something better is offered
I've been happy with this company., December, 2015
My husband committed suicide and I'm on a limited income so I'm trying to lower my monthly bills.
Resonably good, May, 2014
Insurance Premium Constantly Increasing, December, 2013
I have not had an issue with Libery Mutual, however, the price has increased %30.
raised price, July, 2013
THE PRICE OF RENEWEL WAS TOO MUCH OVER LAST YEARS PRICE. iT WAS AN INCREASE OF 500.00 WITH NO CLAIMS.
rising costs, April, 2013
Liberty Mutual started with reasonable price and has steadily gone up
just too expensive, February, 2013
they seem to be a big commercialized company but the cost of the policy is too expensive. and I don't want to pay so much that I could be using it for a car payment
good company, January, 2013
good customer service competitive proces
Rate increase, August, 2012
Quadrupling rates - no claims
rediculas policy increases, November, 2014
Increase Mileage driven every year, September, 2014
I'm not sure if they do this to everyone, but they increase the miles driven every year by 800. In other words, last year my rate was based on 9,000 miles and this year it will be 9,800. My rate goes up every year unless I fill out the waiver providing my actual mileage. I find this very annoying and I'm sure many people don't realize this and just pay them the extra money.
home owners ins, July, 2012
claims paid quickly but cost is high
very expensive, February, 2016
Premium Increase, April, 2015
Last November my homeowners policy with Liberty had an increase of 23%. When I called and asked them why not 5 or 10% but 25%?, they skirted the issue and proceeded to tell me all of the discounts I was getting and the benefits of being a customer. Those discounts you "think" you're getting, they make up for in these increases. They aren't really discounts after all. I told them I wanted to tweak my policy in order to get that rate back down and they said it was as trimmed as much as it could be. Do you think they even wanted to suggest touching my coverage limits? Nope. As far as I was concerned I was over insured on the limits so I dropped the dwelling from 169,000 to 150,000 and immediately the personal property went down, which was good. The additional dwellings went to 15,000, which I was fine with. This was a tiny shaving of coverages and it brought my premium down 10%, so although it went up 23%, by the time "I" tweaked it, I settled for a 13% increase which I was fine with. I've never filed a claim, I've had my vehicles with them as well as other properties and after 3 years, their thanks to me as a customer was to raise my premium 23% without a letter informing me and a call in order to keep the premium affordable. Do they think we have to take this insurance abuse? It's bad enough we're stuck with health insurance and auto insurance but any optionals such as umbrella or life? We live in a country where we are simply insured to DEATH. It's sad to read some of these comments about how it's not just happening to me but others and it's worse for them. This should not be.
i like liberty but the they went up on the prices 30% way to much
We have been very pleased with Liberty Mutual over the years. We are looking for price comparisons because the 2 claims we had are the only claims we have ever had and with bad luck they had happened to be back-to-back. Our insurance premium has increased the last two years by over $1000.
Excellent Customer Service, October, 2012
Knew the writing agents
They nearly doubled my premium! It went from $583.00 to $1050.00 It seems they want to gouge the people to get even for THE STORM SANDY!!!
This company bought out Prudential which was the company I worked for .
Costly, January, 2012
Insurance premium rise every year, and its getting too expensive to have insurance. Insurance compqnies should reimburse those people who never file a claim.
cost increase too high, July, 2013
I have been with Liberty mutual for 15 years and the increase for coverage this year increased by $3000.00
all ins, June, 2013
Kept raising car ins. Flood ins was higher than anyone else on same block. never told me what they needed. Would never buy their ins again. And then they just upped and dropped every bodies home ins just like that. Now I am paying thru the nose for that to because I need a roof. Car ins was going up every year Even tho I was putting less than 1000 miles a year on the car. No tickets either. I personally think they are a crap company.
ok, August, 2013
im just looking for a lower rate somethimg that i can afford .my insurance company now is to high.thats why im searching.
NOT HAPPY WITH ESCALATING COSTS, August, 2012
MY TITLE BEST DESCRIBES MY FEELINGS.
Negative , September, 2018
My policy renewed for twice the premium and I called to see if I could get it reduced.i was told no so I said I would shop elsewhere. I received a bill for $85.00 and was told I did not cancel in time? I called and explained I did call and thought that was the end of it. I received a bill from a collection agency without any more correspondence from LM. I am 81 only on soicial security and this $85 means a lot to me. Their customer service stinks, beware
Was not given full info by customer service rep, July, 2015
Almost two months ago, before we leave the country for a year, I called and explained that we were thinking of moving abroad, and would be renting out our home if we decided to do so, so what did we need to do to update our policy to "tenant occupied". I was told to simply call before we leave, and let them know, that it was an additional clause that would cost slightly more, specifically $26/year more.
Today, a week before we leave, I called to make the change and was told that what I had been told was not the case, that, in fact, I had to have a policy with Liberty Mutual for our primary residence (where we're moving to) in order to make the change. We could request an exception, but "exceptions are minimal so I don't want you to get your hopes high."
I am appalled at this supposed customer service, but was simply told that "we have to follow the process." I understand, and would have no issue had I just been told this when I had originally called (and actually had time to sort things out) yet it's their error/lack of staff training that has led to this a few days before we leave the country. Since we're moving abroad, we can't insure with Liberty, even if we wanted to. Shame on them.
liberty mutual, March, 2013
not happy of the prices and their stipulations.
This company dropped us due to the hurricane events of past years evben though we have not had any hurricanes in this area in the last 10 years
23dunstable rd vincetown nj 08088, January, 2015
I haven't used the policy, my concern is the price of the policy increasing every year
Cost is too high, April, 2013
I've had this insurance for over 20 years. I never had a claim. The costs just keep getting higher and higher.
Overcharges more for Unsuspicious customers, April, 2013
I agree 100% with one of the reviews below. I had realized i was being overcharged for the last 5+ years until i called around to get an idea of rates. When i asked why the premiums were so high, they simply dropped down my rates with out making any adjustments to the policy coverages. So, if you had not asked, they would never do it.
overcharging, November, 2018
I had Liberty Mutual for over 20 years. It used to be a good insurer but the it started to cut costs (cut customer support) and raise premiums (10% a year). I switched last year to NJM for a 40% reduction in premium for a similar policy. While policy shopping, there were other companies offering better deals. I did not even check Geico.
They lost my check and then harassed me, February, 2016
Avoid these guys if you want your sanity. First, they lose / misdeposit the check my security title agency sent them for my premium. Then when they realize what they've done, they tell me it's fixed.... and then follow up with 2 weeks of harassing me. When I try to call into their customer support, I hear them pick up twice, and then hang up. Absolute nightmare.
over billing, November, 2015
cost to much
Liberty is terminating my policy due to reducing their policy holders.
Rains came, insurance never did, February, 2019
We had a Liberty Mutual renters insurance for a downtown ground-level apartment. One day we came back from a trip to find the place smelling damp and many things that were touching the floor starting to get seriously moldy. Apparently a heavy rain made its way past the sump pump system (landlord just had that serviced under an annual maintenance contract with a local plumbing firm!)and into the residence. Well, we were left to absorb the moisture and the losses. Liberty Mutual never paid out claiming flooding exemption that is a policy add-on that wasn't offered to us. Two issues: the add-on was never offered, and secondly, this is not a flood as there was no deep water in the streets, but rather failed sump pump system that pumped the water into the residence. (Interesting fact: our landlord's insurance, who also did not have a flood coverage, paid out to the home owner for the drywall repair, and did not classify this as a "flood".) Screw Liberty Mutual.
Dishonest and Unknowledgeable, August, 2015
Their agents told me something completely and totally wrong. They are unknowledgeable and I was not ensured they wouldn't give another person false information about billing even after speaking with a manager. Customer service was good but they are a ripoff.
terrible and incompetent, September, 2017
Going through Harvey was tough. Filed homeowners claim unrelated to flooding. Gave me a confirmation number and promise to call back within 3-5 days. Nothing. After 9 days I called and was told they were too busy to take my call. I got a response from Fema within 42 hours!!!
Called two WEEKS later. THEY HAD NO CLAIM ON FILE!! My confirmation number meant nothing to them.
That's fine. I will drop these incompetents as soon as Harvey business settles down. Theu made the stress much worse. Wretched service.
You can not give them a zero, May, 2017
Liberty mutual administers FMLA for the company I work for. According to Liberty Mutual, there is no reason to receive FMLA, "Do it on your own time".
Didn't cover as they promised, June, 2016
I have Libert for home as well as cars. My car was vandalized over 30 days ago. They don't have local appraiser, so I send them the pictures of damages and get the body shop estimate per their request. Also send them the lost contents per their request. Their two agents that I work with, keep asking for more time. Finally today they told me they cover $13.00 of over $2500.00 damage to the vehicle!
Auto policy experience, December, 2014
When I had a major front end collision, LM contracted out claims adjustment to Hyperquest. Result was slow or no communication between LM, Hyperquest and the body shop and 12 days post accident no work had been approved or started on a 100+ man hour repair. Hyperquest also reduced the estimate by 17%. LM says my experience is unusual but methinks not based on lots of other reviews. LM markets via professional and alumni organizations etc - members tempted should beware!
Liberty Mutual Gouges its Existing Customers, September, 2012
I went with Liberty Mutual 8 years ago as it offers me a lower rate comparing to my insurance company back then. But preimum has been going to every year and this year their renewal quote me $2400 for two people, two car with clean record. Out of advise from someone I call around to get other quote and to my surprise I could get the same policy for only $1300 (from a few companies). When I complained to Liberty Mutual they then said they just got a new rating system and thru the phone they gave me a new quote for about $1300!!! So if I didn't get suspicious and call around I would have paid almost twice then what a fair going rate is. Basically Liberty Mutual overcharges its unsuspicious customers until it get caught. Would you trust a company like that to provide you protection when disaster hits??
Policy written under false pretenses, August, 2017
I was informed when I signed up that Liberty mutual covered part of Ridesharing that was truly not covered. I found out about this almost a year later, and I am quite upset that I was told that I was covered. I also had a rock chip repaired, and authorized before the work was done by Liberty Mutual. The work was completed. I then received a call from the claims department wanting to come inspect the rock chip repair. What company needs to inspect a $25 repair? How would one fake a repair? Besides these 2 problems, I was very happy with them. But those 2 issues were very big to me.
Dishonest Company, March, 2017
The complaint I just wrote was too long so I'll cut to the chase...they wrote a false policy for me for the past 2 years and now will no longer do it, causing a substantial policy increase. They admitted a year ago that they did that, and still let me ride out another year with a false policy. Not only was that illegal and immoral, but unfair if it's not something they are going to continue to give me. They lied about my policy, admitted to it, and then continued with the lie for another year. And they put me down as driving 5000 miles a year, when in fact, I drive 24,000. It really makes me wonder what else might be false in my policy, and how competent are these people going to be if I should ever have to file a claim. Obviously somebody in the company wasn't competent enough to catch this falsely written policy for 2 years.
Their process cost me unnecessarily., April, 2017
I bought coverage for rental property. The bedroom ceiling fell on a Friday afternoon. Liberty Mutual could not send a representative until the next week. I fixed the ceiling myself so my renters would have a place to live. Liberty Mutual called this a claim so when I changed insurance companies I am having to pay a claim fee. Liberty Mutual will do nothing to rectify the situation.
Liberty Mutual would take more money off you, November, 2016
I have insured with liberty mutual on June 28, 2016, when I insured I decided to pay monthly. After three months, I have to move to another state due to work. So I cancelled my policy with liberty mutual. When I called to cancel the policy, I asked would there be any other fees, they told me there is no cancellation fee! However, after a few month, I received a billing statement from liberty mutual with $140. I asked and they told me they only received 2 and a half months fee for my policy. So I need to pay for the period of what I have already paid, which is insane! I emailed them to describe more in detail how they calculate the what they called "short rate penalty". But they cannot explain. I am wondering what to do with that billing information. Due day is so close...
Lost Life Ins. Policy, March, 2013
Liberty acquired Keystone Provident Life, which my great aunt had purchased a life ins. policy for me years ago. Now Liberty Mutual says that they have no record of the policy. Isn't that convenient for them. They e-mail me numbers to call, I call and get more excuses. I thought if you bought a company you get the assets and liabilities?
Liars and cheats, January, 2016
Yes they provide cheap policies.
However when tornado hits you ... expect this known corporate torfeasor Liberty to cheat you.
In my case LibertyMutual promised to repair roof and never did on the total loss, refused to adjust claim three times because Liberty adjuster knew and photographed that roof was leaking. Instead of flooring adjuster specified 3/8 underlayment, on damaged exterior walls they don't include insulation, adjuster uses R13 - in the attic, instead of wood windows - adjuster used aluminum, instead of stained doors - Liberty Mutual Crooks used unpainted, did not include fireplace, lied about the damaged furnace "never discussed" - despite it was stated in writing. On the trim they never include paint or stain, and if they forced: adjuster will just uncheck the removal labor. On the siding "fraudsters" specified patches of 6" cedar instead of 12" and as cheats unchecked removal labor, did not pay for the damaged sheathing, moisture barrier, or deck removal and reinstall, avoided paying for proper dumpster. Their engineer declares everything pre-existing prior to entering the property and in the breach of Second Law of Thermodynamics declared humidity problems where moisture condenses on warm surface before the cold. They lie, they cheat and they protected by a-d shysters who willfully supplied address of abandoned property as our service address, miscite state law, supply intrinsically fraudulent affidavits, falsify claimlog, they even supplied falsified policy. This company - is dirty. You would be stupid to buy this "Great expectations insurance".
Furious Over Handling of Auto Claim, March, 2015
After years of being insured by Liberty, I was outraged by the utterly irresponsible and irrational manner in which the agents handled my auto claim. They never followed through on their promise to keep me apprised of each step of the process and rashly settled the claim AGAINST me within days of receiving a biased police report even though they had said that they would give me time to prove my innocence. After apologizing - verbally, of course, never in writing - for their erroneous handling and promising to make amends as best as they could, they essentially ignored me thereafter. Several friends left Liberty for their own reasons prior to my incident, and I deeply regret not following their lead. I never imagined that my own insurance company would be so quick to work against me.
Stupid 4 going back, February, 2015
30 years ago I was dis-satisfied and quit them. 10 years later I went back, the single most "worst" decision of my life. I find them dishonest and only out to increase the profit margin.
They Got Greedy, February, 2013
I have had liberty Mutual auto for 5 plus years. I never had any claims and no accidents. They just raised my rates $30.00 a month. They calim it's for rising costs of car repairs. Bologna! Looking to drop them as soon as possible.
Bad servic , March, 2019
Bad service and bad customer service I have 22 days without decision to fix my car under my cover I was contact with customer service every day som time need estimate from my dealer after sent ESTIMATE she said 3 days will tell me the decision I wait 4 dayes and she said will send adjuster to my dealer after one week long time and too bad customer service
Not recommended any body to work with this compan
Go Elsewhere, May, 2016
If you can find anyone else that has a similar price - go with them. Not worth the hassle of dealing with an incompetent company even if they say they can save you a few bucks
Outrageous, January, 2014
When I first started with Liberty I had two cars and my home insured with them. My car insurance skyrocketed on year to an increase of $400, so I switched to Erie with a much better rate. Today I received my home insurance bill and it had increased by $400 as well! I find this kind of drastic increase unacceptable especially with long time customers. Be warned, from someone who dealt with this company for TWELVE years. It all looks good for a while, but they WILL gauge you.
Unethical behavior from agent, December, 2015
I contacted my agent via email and told her I was cancelling policy. She chose to delay passing on that info to billing and money was taken from my account.
I contacted company and explained situation. After 3 days am still waiting to hear back. Amount owed to me is $100.00
Overcharge, unprofessional adjuster, December, 2015
I had LM and started looking at other options to see if could find cheaper. The sent an email to the representative who sold me policy that I was looking to cut costs. She then told me that my premium would be increasing $100.00 (no claims made). She could give me more information when I renewed policy.
I found a better priced policy and told the representative I was switching and gave a date. LM deducted money from my account after that date and then only partially reimbursed my account. When I contacted rep she responded but did not explain why this happened. When I sent another email to her asking for clarification my email was rejected........ I am now on hold for quite some time trying to talk with someone at LM.
Will not pay claim, February, 2018
Had a claim to replace roof. Depreciation was withheld, but for over a year the rest of the claim will not be paid. Also you cannot talk to your agent. I even called the office of the president to try to get to talk to an agent and that did not even get my agent to contact me. I would not do business with this company.
they jack rates up high if u have accident ,they s, July, 2017
they raise rates if u have a claim and they say they wont raise rates, they lie,lie,lie,lie,lie
incompetent claims reps, May, 2017
My car sustained extensive hail damage on 5/8. And adjuster was sent on 5/17 (somewhat understandable as many were affected by this act of God). The initial rep that was assigned was very good and communicative. She disappeared and I found out online that I was assigned another rep. I did not hear from him and I emailed him on 5/22. No response. I called on 5/23 and was told inaccurate information about why I had to mail information instead of e-mail. Something about having to have something notarized. I received paperwork via email and it was the wrong paperwork instructing me to sign over the title, which I explained during the previous conversation, the bank held, as there was still a lien on the car. I called the rep., left a message, called his supervisor, and left a message. No one called back. I have been calling and leaving messages and no one calls back. I have to keep calling until the rep answers the phone. I explained that what he said and the paperwork I received did not jibe. He said that I had received the wrong paperwork and he would email the correct paperwork. Nope. I sent an email reminder the next day 5/24 to send me the paperwork. Nothing by close to end of day. I called AGAIN and he said he would immediately send it. It was the wrong paperwork asking me to endorse a title I DON'T HAVE. I have now emailed and left VMs for him and his supervisor again....it's 5/26.....no response.
VERY DISSATISFIED, July, 2015
I had Liberty Mutual car insurance for about ten years. In all of those years I made one claim for a small dent in my fender caused by a garbage dumpster striking my car in a windstorm while it was parked in a lot. I took the car to a body shop recommended by Liberty Mutual. The body shop said the cost for repairs would be $670. Liberty Mutual was notified of the cost but then told me they would only give me $630 for the repair!
Additionally, my premiums had been going up all the time even though I owned the same car which was getting older. I subsequently went to State Farm and got the same coverage for over $900 less per year. I would never go back to Liberty Mutual and would never have been with them for so long knowing that do not pay fully on legitimate claims.
Did not cancel prior carrier, May, 2015
I am so disappointed in Liberty Mutual Insurance. On March 27, 2014 I signed a prior carrier cancellation form. Dana Demartino, the agent, assured me that she would inform Geico my auto insurance and Allstate my home insurance of their cancellation. As soon as she got our business she did not care about anything else. She did not informed my prior insurance carriers of the cancellation. In August 2014 I notice my bank account was depleted and several overdraft fees as a result of Liberty withdrawing monthly payments along with Geico and Allstate withdrawals of monthly statements. I was on maternity leave with twin infants and too overwhelm to pay attention to my bank account. I contacted her and she told me that she did send the cancellation but does not have proof of such. I asked them to reimburse the bank fees and they refused. I am in the process of filing a small claims against them in court. They are awful.
Worst Home Insurance Company Ever, November, 2018
Worst Home Insurance company I've ever encountered. They will find any lame reason they can to raise your rates. I had two empty buckets outside and their home inspection goons wrote it up as debris. Boom, insurance cancelled. I'm glad I didn't have anything else with these losers.
Terrible customer service, April, 2018
I told them over and over that I didn’t buy the package that they were offering, and the service agents still keep calling me