We offer a wide range of insurance products and services, including personal automobile, homeowners, specialty lines, reinsurance, commercial multiple-peril, workers compensation, commercial automobile, general liability, surety, and commercial property.

In August 2022, we conducted a nationwide car insurance satisfaction survey that polled 6,923 people. Of those who participated, nearly 5% reported they had a Liberty Mutual car insurance policy. Here's how Liberty Mutual customer satisfaction compares with the overall industry average from our survey.

Homeowners insurance policies generally cover destruction and damage to a residence's interior and exterior, the loss or theft of possessions, and personal liability for harm to others. Three basic levels of coverage exist: actual cash value, replacement cost, and extended replacement cost/value.

From insuring for property damage to covering your belongings, we customize your Florida homeowners insurance coverage so you only pay for what you need.

How to claim

• About us. Our Story Why Liberty?
• Personal Insure. Critical Illness Cover Disability Cover Funeral Cover Income Protection Life Protection Gap Cover Buy Online Short-Term Insurance.
• Personal Invest. Save for Retirement Invest Invest for Income Invest Offshore Invest for Education STASH.
• Business.

What Is a Mutual Insurance Company? A mutual insurance company is an insurance company that is owned by policyholders. The sole purpose of a mutual insurance company is to provide insurance coverage for its members and policyholders, and its members are given the right to select management.

The company, founded in 1912, offers a wide range of insurance products and services, including personal automobile, homeowners, workers' compensation, commercial multiple peril, commercial automobile, general liability, global specialty, group disability, fire insurance and surety.

Like most common-law concepts, it has taken many individual cases and many decades - in some cases, centuries - to develop a settled view of the necessary elements for a valid insurance policy. These elements are a definable risk, a fortuitous event, an insurable interest, risk shifting, and risk distribution.

Contents insurance is a type of home insurance. It covers loss or damage to all the things in your home that aren't part of the structure or building. Find out what you can claim on it and how to get a good deal.

While Liberty Mutual is a well-known insurance company, it no longer sells individual life insurance itself. Instead, it sold that portion of its business to Protective Life Corporation; all life insurance policies are issued by Protective Life.

Homeowners' insurance covers damage or loss by theft and against perils which can include fire, and storm damage. It also may insure the owner for accidental injury or death for which the owner may be legally responsible. Mortgage lenders usually require homeowners' insurance as part of the mortgage terms.

Liberty Group Limited - a Licensed Life Insurer and an Authorised Financial Services Provider (Licence no 2409)

Liberty is the state of being free within society from oppressive restrictions imposed by authority on one's way of life, behavior, or political views.

The three main advantages of mutual insurers - customer focus, stable ownership, and the opportunity to receive dividends uninfluenced by Wall Street factors - doesn't necessarily mean they are the right choice for everyone interested in purchasing life insurance.

In the United States, Liberty Mutual remains a mutual company in which policyholders holding contracts for insurance are considered shareholders in the company.

Ratings methodology Its NAIC Index score is 0.51, meaning it has fewer complaints than expected for a company of its size. (The expected score would be 1.0.) Our transparency rating scale measures how easily shoppers and policyholders can find information about Liberty Mutual's life insurance offerings on its website.