Homeowners Insurance
Save on your home insurance with a customized policy
Enter your ZIP code to start your custom homeowners insurance quote
Save on home insurance with a customized policy.
Every home is unique. With Liberty Mutual, you can customize coverages to ensure you get the best homeowners insurance for your home and needs at an affordable price. Start a home insurance quote online to begin customizing coverages for your home insurance policy, so you only pay for what you need.
What is homeowners insurance?
Homeowners insurance is protection for you, your home, and personal belongings from things like theft, fire, severe weather, or even accidents involving an injury on your property. In the event that something unexpected happens, homeowners insurance can help pay for related expenses and protect your assets. Depending on your policy, you could be covered for expenses such as a hotel if your home is unlivable, roof repair, personal property replacement, or drying out services.
How does homeowners insurance work?
In the event your property is damaged, once you’ve ensured you’re safe and the source of the damage is stopped, you can file a claim. We’ll ask for details about what happened, the damage, and if you need immediate assistance. A Claims Representative will help process your claim and provide help if you need it. You might have to pay a deductible before your insurance coverage kicks in and your policy may have coverage limits, but homeowners insurance will take care of everything in between.
Begin your free online quote
What does homeowners insurance cover?
- Your belongings
- Your home and any other structures, like a shed
- Fire, water, and weather damage
- Damage to someone else’s property
- Medical bills if someone is hurt at your home
- A place to stay if your home suffers damage that makes it unlivable
We customize your insurance so you only pay for what you need.
What is home hazard insurance?
Hazard insurance describes a type of home insurance coverage that covers catastrophes, like fires and severe storms. Damage to your home from things like hail, strong winds, smoke, and fire are all considered to be in this category. Some hazards, like earthquakes and floods, are not typically covered by homeowners insurance and coverage will need to be purchased separately. Home hazard insurance is different from homeowners insurance but can be added to your standard homeowners policy. Depending on your state, you may be required to purchase specific types of hazard insurance, such as hurricane coverage.
Liberty Mutual offers lots of standard and custom coverages that can protect your home from hazard damage.
How much is home insurance?
With Liberty Mutual, the cost of your home insurance is customizable, so you only pay for what you need. Things that will typically impact the cost of home insurance include:
- The location of your home and the surrounding environment
- The type of weather your state experiences
- The age of your home
- If you have recreational features, like a swimming pool or trampoline
Generally, the less risk you have the lower your price may be. It all depends on your unique needs. Keep in mind that you can lower the cost of your premium by increasing your deductible, if you prefer.
Understand your homeowners coverage options
The best homeowners insurance policy is the one that meets your needs at the right price. Get a better idea of what a home insurance policy could look like for you by getting familiar with different coverage options, so you only pay for what you need.
Dwelling
Personal Liability
Wind/Hail
Hurricane
Personal Property Replacement Cost Coverage1
Water Backup & Sump Pump Overflow Coverage2
Explore home insurance for your state and get a quote
We’ll make sure you get the home insurance coverage required where you live. Then, you can customize your coverage, so you only pay for what you need.
How to compare homeowners insurance companies
When you compare quotes from homeowners insurance companies, you might notice a lot of similarities between your options. That’s because there are some common types of property coverages, such as Personal Liability or Hurricane, that might be required by your mortgage company or suggested based on the state you live in.
Tips for comparing homeowners insurance quotes
- Compare coverages and make sure the options meet your needs.
- Choose similar deductibles because they can affect your price from quote to quote.
- Optional coverages, like Personal Property Replacement Cost or Water backup coverage, aren’t offered by all insurance companies, and could affect your quote price.
Other things to consider when comparing home insurance options are ease of use and convenience. Liberty Mutual property insurance lets you customize your coverage, so you only pay for what you need. We also have an easy-to-use mobile app that’s a digital gateway to your insurance. You can manage your policy, payments, preferences, and even file a claim from anywhere, at any time.
Homeowners insurance coverage calculatorAnother thing to consider is the insurance company’s reputation – for doing what’s best for their customers and their communities. At Liberty Mutual, we believe progress happens when people feel secure – and that goes beyond insurance.
Our impact
$64 million+ | Total corporate and employee giving |
|---|---|
$11.5 million+ | Give with Liberty, employee giving |
39,438 | Volunteer with Liberty, hours logged |
Homeowners insurance discounts that help you save
We take savings seriously. Check out some of our most popular homeowners insurance discounts.
Online Purchase Discount
Bundle and Save
Newly Purchased Home
Paperless Policy Discount
Safe Homeowner Program
New Roof Discount
Those are just a few ways Liberty Mutual helps you save on your homeowners insurance costs. See if you qualify for any other savings opportunities below.
Looking for homeowners insurance advice? We can help.
We’ve got all your property insurance needs covered
Homeowners insurance helps protect your home and personal belongings from the unexpected, so you can have peace of mind. It also may help provide coverage if you accidentally damage someone else’s property or somebody is injured at your home.
Do I need flood insurance?
If you’re in a high-risk flood area and have a mortgage, it’s very likely you need separate flood coverage.
I’m looking for a condo policy
If you’re in a condo, you’ll want condo specific insurance, sometimes called an H06 policy.
I need to insure a rental property
Protect your investment with a policy specially designed to protect your property as a landlord.
I rent, do I need property insurance?
Regardless if a landlord requires you to or not, renters insurance is always a smart choice - and an affordable one.
Ready to start a homeowners quote online?
Get a quote in minutes. Here’s what you’ll need:
- Basic information about your property
- Basic information about you, any co-owners, and occupants
- Ownership or mortgage status
- Details about your home’s construction and any safety features
- If you have an existing homeowners insurance policy
Begin your free online quote
Common homeowners insurance questions
The cost of your homeowners coverage is largely determined by five factors:
LocationRisks like extreme weather, crime rate, and distance to a fire station all can impact your rate. For example, you might pay more for waterfront property or if you're located in an area prone to mud slides. Construction costs also vary by region, which is another factor that determines your homeowners rate.Estimated replacement costThis is different from the current tax assessment or market value of your home, and accounts for the actual cost to rebuild the structure of your home. For example, if your home was destroyed in a storm, how much would it cost to rebuild it? That amount is the replacement value. Not only are materials and labor considered, but inflation and availability of building materials.Age and conditionThis is determined based on very specific details like building materials, age of the roof, and the furnace's condition. For older homes, we also factor in whether the building materials are still available and their current market price.Safety devicesHaving dead bolt locks, a burglar alarm, smoke detectors, and other home safety features will all help you stay safe and lower the cost of your home insurance policy.Your deductibleIn short, the lower your deductible (the initial amount you pay out-of-pocket before coverage kicks in), the higher your premium (the total amount that you pay for an insurance policy).It's not always easy to know the difference between certain terms when it comes to insurance. Let's clear up exactly what the most important ones mean.
DeductibleThe initial amount you are responsible for before coverage kicks in. In most cases, this amount is simply deducted from your payout after a claim. For example, if your deductible is $500 and you have a $2,000 claim, you will receive $1,500.PremiumThe total amount that you pay for an insurance policy.DwellingAnother term used to describe the part of your home insurance policy that covers the structure where you live (not a shed or other structure on your property).Scheduled ItemsThese are pricier belongings (jewelry, art, etc.) that typically require additional coverage, since the standard home policy limits the amount you can claim per item.Liability CoverageIf someone else is injured or has their belongings damaged on your property, this covers claims against you, as well as reasonable and necessary medical expenses.You’re excited about your new home, but you might be equally as nervous about a home inspection. Here are some answers to frequently asked questions to help you understand what to expect.
Why is an inspection required for my home?An inspection may be required to confirm that the condition of your property and exposure to any hazards meet standards for an insurable home.Where will the inspectors look?Exterior: The outside of your home, yard, and roof.Roof: The inspector will walk along the roof to assess its condition.
What happens with the information they collect?The information is used to assess the condition of your home and, if necessary, make changes to your policy. Your information is kept strictly confidential.What happens after?Your policy may be adjusted depending on the results of the inspection to ensure that your home is adequately protected. In certain states, roof coverage may be adjusted based on the condition of the roof.How will I be notified about the inspection?You will receive a postcard in the mail, as well as a call from the inspector to confirm the details of the inspection.Will the home inspector take precautions during the Covid-19 pandemic?Absolutely. Please know that we have put a number of safety practices in place to keep you and our inspectors safe during the pandemic.Do I need to be present for the inspection?No. If you are home, please stay indoors to prevent contact while the inspection is taking place.Will the inspector be wearing PPE and socially distancing when inspecting my property?Yes. The inspector will be wearing a mask and gloves as part of our safety protocol. The inspector will also request that you stay indoors during the inspection to prevent contact.Mold generally begins with water getting someplace it shouldn’t, so while your home insurance won’t provide mold-specific coverage, it will provide coverage for the primary causes, such as water damage. Put another way, insurance will cover mold remediation if it occurs as a result of covered water damage. Water back up and overflow from sewers, drains, and sump pump wells are all covered by Escape of Water, also known as “water back up coverage”.
Learn more about how to prevent water back up and stop mold before it starts.