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Homeowners insurance helps protect your home, belongings, and finances when covered losses happen. Get a home insurance quote online in minutes and explore coverage options for your property, personal belongings, personal liability, and additional living expenses.
Liberty Mutual makes it easy to customize homeowners insurance coverage based on your home, budget, and location, so you can choose the protection that fits your needs.
What you'll need for a homeowners insurance quote
Why choose Liberty Mutual for your homeowners insurance?
Rated "A" (Excellent) financial by A.M. Best Company
Additional living expenses
24/7 customer support
Homeowners insurance coverage options
Coverage | Real life example | Standard | Add-on |
| Dwelling | A fire in your kitchen results in damage to your space. This will help cover the cost. | ||
| Personal Liability | A neighbor slips and falls, breaking their wrist at your house. If the person decides to take legal action, you'll be covered. | ||
| Wind/Hail | A bad hail storm causes damage to your windows. This will help you get them repaired. | ||
| Hurricane | Your roof suffers damage when a hurricane sweeps through. This will help to cover the repair cost. | ||
| Personal Property Replacement Cost Coverage2 | Your TV is stolen. You'll be covered for the cost of a brand new one to replace it (rather than its depreciated value). | ||
| Water backup & overflow coverage3 | Your sump pump overflows or your property's drainage system backs up through a drain and your finished basement sustains damages. |
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What affects the cost of homeowners insurance?
You may also qualify for homeowners insurance discounts through bundling, online purchase, and other available offers.
You could save more when you buy Home insurance online.4
Learn about our homeowners discountsYou could save $950 when you bundle your customized auto and home insurance.5
See our bundling savings optionsYou may qualify for special savings if your home was recently built or substantially renovated.6
See more home insurance discountsHow does homeowners insurance work?
In general, homeowners insurance is a contract between you and your insurance company. This contract works like this
- You pay a premium (money) to your insurance company
- In return, the insurance company promises to cover future damages (per the contract) to your home if a covered loss happens
All homes are different. Your premium, or amount you pay, for a homeowners policy is based on many factors including
- Location
- Materials used to build the home including foundation, walls, and roof
- Personal items in the home
- How the home is used (rental, business, etc.)
- Credit score, and other factors
OK, so you pay your bill, and then you have a covered loss. This is where your insurance company comes in. Let's pretend that there's a hailstorm causing damage to your roof. In general,
- You'd file a claim with your insurance company
- The insurance company would assess the damage and verify it's a covered loss per the contract
- If it's covered, they would pay for the damage minus any deductible (the amount you owe)
That's pretty much it.
What does homeowners insurance cover?
Homeowners insurance coverage protects your house and your possessions against damage or loss. Explore all coverage types.
- 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
Even the best homeowners insurance policies won't cover everything. Discover what isn't covered by homeowners insurance.
What factors affect my home insurance rate?
The cost of your homeowners coverage is largely determined by five factors:
Location
Risks 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 cost
This is different from the current tax assessment or market value of your home. This cost accounts for the actual cost to rebuild the structure of your home. For example, if your home is destroyed in a storm, how much would it cost to rebuild it? The actual cost is the replacement value. This amount includes materials, labor, inflation, and availability of building materials.
Age and condition
This is determined based on specific things like
- Building materials
- Age of the roof
- Renovation of home systems
For older homes, we also factor in whether the building materials are still available and their current market price.
Safety devices
Examples of safety devices can include
- Dead bolt locks
- Burglar alarms
- Smoke detectors
These and other home safety features can help you stay safe and lower the cost of your home insurance policy.
Your deductible
In short, the lower your deductible (what you pay out-of-pocket before coverage kicks in), the higher your premium (what you pay for insurance).
What is a home insurance deductible, and other common terms?
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.
Deductible
What you'll pay before your coverage kicks in. In most cases, this amount is just 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.
Premium
The total amount that you pay for an insurance policy.
Dwelling
Dwelling is another 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 Items
These are pricier belongings (jewelry, art, etc.) that may require more coverage, since a standard home policy limits the amount you can claim per item.
Liability Coverage
If 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.
Homeowners insurance frequently asked questions
With Liberty Mutual, the cost of your home insurance is customizable, so you only pay for what you need. Things that can 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 and systems
- 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 needs. Keep in mind that you can lower the cost of your premium by increasing your deductible, if you prefer.
Home hazard insurance is a type of home insurance that covers damages to your home from things like fires and severe storms. Some common hazards include hail, strong winds, smoke, and fire.
Please note, home hazard insurance isn't part of a standard homeowners insurance policy. This additional coverage needs to be added to a standard policy. Some states, also require specific types of hazard insurance, like hurricane coverage.
Other hazards, like earthquakes and floods, aren't covered by homeowners insurance. These coverages need to be purchased separately.
At Liberty Mutual, we'll help you get the coverages you need to protect your home from hazards.
When comparing homeowners insurance quotes, you may see a lot of similarities. That goes for if you're looking for the best homeowners insurance or the cheapest homeowners insurance. That's because there are common coverages most mortgage companies require like
- Personal Property Coverage
- Personal Liability and Medical Payments to others
- Dwelling (property damage to your home)
- Wind/Hail
- Hurricane Damage
There are also recommended coverages based on the state you live in.
Tips for comparing homeowners insurance quotes
- Compare coverages and make sure the options meet your needs
- Choose the same deductibles because they can affect your quote prices
- Optional coverages can affect your price like Personal Property Replacement Cost or Water Backup Coverage (not always available)
When comparing home insurance, you should also think about how easy it is to deal with the company. At Liberty Mutual we make property insurance easy. Our fast and easy quotes let you customize your home coverages so you only pay for what you need.
At Liberty Mutual you'll also get our free and easy to use mobile app that lets you
- Manage your policy
- Make a payment
- Update preferences
- File a claim anywhere, any time
These are just a few ways Liberty Mutual helps make homeowners insurance easy. For more help on figuring out which coverages you need, check out our homeowners insurance coverage calculator.
Last but not least, you should also consider the insurance company's reputation. At Liberty Mutual, we believe progress happens when people feel secure — and that goes beyond insurance.
Who does your repairs is up to you, but here are a few reasons we recommend using a Liberty Mutual preferred contractor.
- Quality: Our program includes only professionally licensed, certified vendors who've undergone a background check and use techniques meeting industry standards.
- Fast service: Typically, our vendors contact the customer within one hour after the claim is filed and arrive at the home within four hours.
- Efficiency: Liberty Mutual's claims team works closely with vendors to coordinate and monitor the drying process.
- Value: Program vendors have agreed to complete the work at pre-negotiated rates, and bills go directly to Liberty Mutual for payment.
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.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.
A standard homeowners insurance policy typically doesn't include coverage for business activities at home. This means you'll likely need to add specific coverage to your homeowners policy or get a separate policy tailored for small businesses.
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