{"id":323532,"date":"2025-11-07T21:56:20","date_gmt":"2025-11-08T02:56:20","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=119616"},"modified":"2025-11-07T21:56:20","modified_gmt":"2025-11-08T02:56:20","slug":"liberty-mutual-review","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/liberty-mutual-review\/","title":{"rendered":"Liberty Mutual Homeowners Insurance Review"},"content":{"rendered":" <\/span>\n \n\n\n

Liberty Mutual is a national multiline insurer that writes homeowners insurance in many states (availability varies by state). Beyond its well-known auto ads, Liberty Mutual maintains a large home insurance footprint and appears in our ranking of best homeowners insurance in the U.S.<\/a>. The company remains firmly in the Fortune 100 by revenue on the Fortune 500 list, ranked around No. 71 in 2025 (Fortune company profile<\/a>).<\/p>\n\n\n\n

Key strengths include broad discount eligibility and stable financial strength across major agencies: AM Best Financial Strength Rating A (Excellent), S&P Global Ratings IFS A (Stable), Moody\u2019s IFSR A2 (Stable), and Fitch IFS A- (Stable). These A\/A2\/A- category ratings indicate strong claims-paying capacity for Liberty Mutual\u2019s core U.S. property\/casualty subsidiaries (Liberty Mutual ratings overview<\/a>; AM Best<\/a>; S&P<\/a>; Moody\u2019s<\/a>; Fitch<\/a>).<\/p>\n\n\n <\/span>\n \n\n\n

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Liberty Mutual Home Insurance Overview<\/h2>\n
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\n In business \r\nsince:\n <\/div>\n\n 1912<\/span>\n <\/div>\n
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\n JD Power \r\nScore\n J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n <\/div>\n\n See latest study<\/span>\n <\/div>\n
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\n AM Best \r\nRating: \n AM Best rates insurance providers creditworthiness. Ratings are based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n <\/div>\n\n A<\/span>\n <\/div>\n
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\n States \r\nserved:\n <\/div>\n\n Varies by state<\/span>\n <\/div>\n <\/div>\n<\/section>\n\n\n\n

Liberty Mutual remains one of the largest U.S. P&C insurers by premium volume, supporting scale in pricing and claims operations (NAIC market share<\/a>). Its core operating companies hold A-range financial strength ratings with generally Stable outlooks from AM Best, S&P, Moody\u2019s, and Fitch\u2014signaling strong claims-paying ability and improved underwriting performance through late 2024\u20132025 (ratings overview<\/a>; AM Best<\/a>; S&P<\/a>; Moody\u2019s<\/a>; Fitch<\/a>). Liberty Mutual is also in the Fortune 100 subset of the Fortune 500 by revenue (Fortune profile<\/a>).<\/p>\n\n\n <\/span>\n \n\n\n

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PROS<\/h4>\n