This is the insurance company you can get if no one else will insure you. The adjusters you first get are reading from a script. They seem very young and have no comprehension of how insurance really works. *One very notable exception is Benjamin Butler- he was very understanding. He understood insurance and he understood my plight. He is calm, which made me calm in the chaotic situation. If I could've had him for the entire process, I would've been very happy. * But the company makes you go through layers and layers of adjusters. You never have one adjuster for too long. I guess this is why it seems like they're reading from a script- they probably are! They can't answer your questions. The company makes you work HARD for the scraps they will send you! It's a full time job to try to get what you are owed! It's been 6 months now since the flood, and they still haven't paid out all they owe me. read more

Trying to renew homeowners insurance that we have had on a house for over 20 years, and a agent named Scott was very and unprofessional , so we took are business elsewhere. read more

I've had Liberty Mutual for car insurance for quite some time. So when I bought my condo a year ago, it made sense to bundle with liberty mutual. I couldn't have been more wrong. I was sent two check months apart. Each time, I called and they told me this was not in error and it was safe to cash these checks. They stayed my hazard insurance was estimated too high and this was the remainder credit. However, months later they call back telling me both were written in error and now I owe them 1K plus! They can't handle home insurances correctly and will screw you. I asked for a manager to call me back. They didn't. I had to call again. And now I'm still waiting for the presidential call. Don't bother with them. They don't care at all about their mistakes and will not take accountability in the least. Spare yourself the agony and go somewhere else. read more

Pulling 6 vehicles and 2 residences. Worst coverage/pricing ever. Save yourself time and make a different choice.

This insurance vendor is awful. I would rate them as 0 if I could. We were their clients for 4+ years until we tried filing our home insurance claim, because we started seeing water coming from the tiles in our kitchen. Here's when the insane part started. The insurance resisted as if they had to give us their last dollar and the funniest part is that every time they invented different reasons. They sent us their inspector and he wrote a report saying he doesn't see any water. I asked him - how come?! Did you even enter the kitchen? It's enough to step on the tiles and you see it. Then they sent a 3rd party adjuster who said that we told him that the water issue was the result of earth movement. This was obviously a lie - we're not experts to make such judgements! Then they sent to us a civil engineer who made a fuzzy statement that the plumbing problem might have persisted for months. We asked to clarify what "months" is, but the insurance happily sticked to this fuzzy statement and denier our claim saying that the problem started before we got the insurance. Finally we found ourselves in a situation when our kitchen and bathroom were destroyed (because the insurance inspector said they're going to pay for it) and in the middle of the way the insurance said no and didn't even want to pay for the removal. No need to say we are transferring our insurance policies to another vendor. This was the only time during years we filed a claim and the way they handled it was literally miserable. My advise to people is - avoid this insurance no matter what your situation is. Their policies are cheap but leave them plenty of room for speculations and let find reasons to deny practically any claim. read more

Your prompts to switch to an app to make things easier, but it doesn't offer those with disabilities any thing to make it easier.

I own a company and recently had a claim. I filed it with Liberty only to have them deny the claim based upon a loophole. Liberty was horrible through the whole experience. They gave no communication to me or to my customer, and their decision to not pay the claim has no merit. My insurance broker is shocked with their decision to deny the claim. I am now in a legal battle with them. My attorney says this is how they operate. DO NOT USE LIBERTY MUTUAL. THE WORST. read more

This company is based in Boston (where I'm from), and that must be part of why I love them. They are amazing. Customer service is always top notch, no matter who I talk to. Last year when I needed to change my registration and insurance policy over ASAP, I wasn't even put on hold to wait for an agent. Their secretary/customer service liaison assisted me through the whole process. Over the phone. E-mailed all the paperwork in that moment, and I was covered that day. I've been with this company since I started driving. I get unlimited road-side assistance and towing reimbursements throughout the year. I get awesome premium rates. I get a discount as an Endicott College alumnus. I couldn't ask for a better insurance company. read more

I have been paying auto and home with Liberty Mutual for almost a decade. We just experienced significant water damage to our home. The process did not go smooth. Our claims agent did not get back to us for over a week. They did send an out of state adjuster and she was extremely disorganized. Needless to say, she was way off. I Our claims Rep John then came out and made some adjustments to the quote. It was better but not enough to restore our home to its original condition. We have an issue with our flooring. We installed it a year ago. The product was still available so we attempted to repair just the damaged area. We were warned that the flooring may not match even if it is the same product. WELL... IT DOESNT MATCH! Johns estimate included only the damaged area. Every flooring contractor indicated they have to remove 3 times that amount. I emailed John multiple times. I repaired the floor with money out of pocket. He never found the time to get back but he did find the time to close out the claim. We will be moving on from Liberty Mutual once the dust settles. Do not get insurance through them. They do not have your best interest in mind. read more

Liberty Mutual is the worst insurer I've ever worked with. So far I've only had to make two claims with them, and each time I either had to bully them into fulfilling their contractual obligations with me by invoking the name of the BBB, or I had to force them to honor their promises made to me by doing the same. If you are not used to having to cajole your insurance carrier just to get them to do the right thing (i.e., pay for the shit that you pay them to pay for), and you are not familiar with the BBB.org website and how to file a complaint, I would strongly recommend you seek out a different insurer or take your business elsewhere. These people are a bunch of crooks, and are everything that's wrong with the insurance industry in the U.S.. I've never had to fight AAA, Farmer's, or any other insurer I've been a customer of. Clearly the idea that the "customer is always right" is completely anathema to the nonexistent system of corporate ethics utilized by LM to guide the decisionmaking of their agents. My first claim made with LM was over a year ago, because a dumb bitch named Jolie Ramage crashed into me when I was in the right turn lane. She didn't look before deciding to make a lane change, so her car hit my left front quarter panel. I was driving safely and breaking absolutely no laws, and THE OTHER DRIVER HIT ME, so if AAA had been handling the claim, I would have had to pay the deductible and nothing else at worst (her carrier might have even been made to cover my deductible with AAA). Instead, LM warned me upfront that even when it's the other driver's fault, because of some shitty state law that only LM respects and cares about, I might not be able to have her insurance company pay for 100% of the repairs that needed to be made on my car. This was LM pre-emptively warning me that the service they were about to provide for me would be half-assed at best, and this legalistic song-and-dance was NEVER anything I heard from AAA whenever I was involved in an accident that was not my fault. Apparently, the state laws apply differently to LM than they do to AAA, and LM likes to let its customers know to expect disappointment, because they're not going to work hard enough for you to get you anything but. The assholes at LM even let this claim go to mediation, when there was no mediation that needed to be done because the issue was CLEARLY, 100% the other driver's fault. Mediation should have never been an option that was on the table in the first place, unless LM had intended from the very beginning to provide me with substandard service. I made my second claim when my wife's car was stolen, and the LM agent we spoke with told us that this close to Mexico, all stolen Hondas are automatically declared total losses, and that the company would be sending us a check. Since we both have jobs, we needed a new car and went out and bought one. Then our stolen car turned up, and LM called us to tell us that no check was coming, that they had no record of telling us they were sending us the check, and that we would have to figure out how to sell our stolen car right after we purchased a new car that we at that point no longer needed BECAUSE THE LM AGENT TOLD US TO BUY IT. Lucky for us, the dumbasses at LM record every one of their calls, so we called "bullshit" when they told us there "was no record of any agent telling us they were sending us a check." I told them they'd have to either dig around and find that recording or face a BBB complaint. No shit, somehow after that they managed to stop lying about not being able to find the recording where the agent told us they were sending us a check for the stolen car. Liberty Mutual lies to their customers. They provide substandard service for the rates you pay them. Just to get them to do their jobs, you practically have to threaten legal action. I REALLY, REALLY HATE this company, as every time I deal with them, I get to stare down the barrel of the corporations having all the power and customers basically being total shit to them. And the only reason why I continue to put up with it? I can't bundle auto and homeowner's insurance with anyone else because LM is the only company that will insure houses built before a certain date in California (not that having a policy with them is necessarily anything meaningful). They have a veritable monopoly on people like me because I live in an old house and would prefer saving money. Luckily, I have the BBB complaint form bookmarked on my browser, because that's the only way I'll be able to get what I'm paying for out of these people. At least they keep my chops for battering corporate America honed--by the way LM acts, it seems to me that corporate America isn't getting battered enough. Finding an LM office anywhere in this town is easy--just look for the circling buzzards and smell for sulfur. If you see too many signs of the Prince of Darkness heavily influencing the area, you're probably in their headquarters. read more

Worst Company Ever! Do Not get your home liability insurance with them cause if something happens YOU ARE NOT COVERED!!!!! Had the worst experience with them and I'm not even the policy holder, my neighbor is and they are not covering him for damage caused by his toilet/bathroom in my garage!!!! I would give them 0 stars if I could! read more

My upstairs neighbour bathroom leaked & ruined my condo. The Hoa told me that's my neighbours responsibility. They admitted it & assured me that their insurance (Liberty Mutual) will pay for the damage. My neighbour had the same experience previously & the insurance pay right away. But Liberty Mutual won't pay. The agent try to shift the blame to Hoa & even myself. How can it be my fault if the upstair neighbour bathroom is leaking to my unit? Do not ever buy from Liberty Mutual. Their customer service is terrible & they don't pay the claim!!! read more

WOW, This company if a horrible company. I get lied to call after call after call. I have been a paying loyal customer for 5 years. When signed up I asked many specific questions about my coverage, with the answer "Yes that is cover if that happens give us a call and we will take care of it" Then 5 years later when I call about one of those situations I first had to talk to about 4 different people and it took an hour and half to even get it done. Then I get told that I would have an adjuster call my within 1 to 2 hours and have someone to take care of the on going damage that day and that I did not need to call anyone else to get things taken care of. That was at 6pm yesterday. I then get a call at 8:30am (over 12 hours later) and get told, that person lied to me, what she put in the file was not what she told me. Then the adjuster tells me it is not covered and I was screwed. You guys told me to hold off on calling anyone, thus allowing twice the damage to be caused and putting the whole cost on me. And refuse to do anything. I advise NO ONE to ever use this company. All you will get is non stop lies. And with being in real estate I am also go to advise every client of mine to NEVER USE THIS COMPANY EVER!!!!! Straight from the company info " We believe in doing the right thing over the easy thing. If ever a company were wired to go beyond what our customers expect, it's ours" The right thing isn't this. And to go beyond what your customers expect hahaha, how about you start at doing what you first promised. read more

This is the worst insurance ever. They will do anything and say anything to get away from paying out claims.....I not going to waste any more time giving out the details, but be warned . If you make a claim and need there help , see how far you get with them. I got no where and end up with damage to my truck and them telling me not enough evidence for a claim. So have a great day , and never use liberty mutual you'll be sorry. read more

Wish I had read all the terrible YELP reviews before doing business with this awful company. Just like the other reviewers, they pulled a bait & switch on me. Last year I moved my home & auto to them. This year the renewal notice shows up and wham - 30+% increase. (no claims on any policy in case you were wondering). So I called my agent David Rose - and he says oh yeah , sorry , we changed the way we underwrite. Gee thanks for the heads up Dave. So I cancelled and moved to State Farm. But wait there's more. They keep sending me bills and I keep sending them back with CANCELLED written on them. Then I get a collection notice - I call them and they say "we are independent , we cant contact L-M to check" . So I call my former agent Dave and he says - can't help , here is the 800# . Call the 800# and they have to transfer me to another department. They tell me they fixed it. We will see. Avoid this company like the plague. read more

I was with Liberty Mutual for 12 years and never had a claim. Just bought a new house, the third in the 12 years I was with them and on Friday I got a cancellation letter stating they were dropping my policy because of a chipped paint and trash and debris in the yard. I had only lived in the house for 16 days when I got the notice. The trash in the yard was the boxes from unpacking which i kept to pass along to another person who was moving and the chipped paint was on one eve and only in two small spots. The entire report said the house and roof was in great shape. I called and asked what the deal was and they said I had no option but to find another insurer. So I did and SAVED $100 year going with Farmers!!! Thanks Liberty Mutual for saving me a $100 and making yourselves look like an idiot!! read more

Overall, I would you rate my satisfaction with my experience when purchasing my new policy from Sara Langer with Liberty Mutual Insurance among the best service experiences I've ever had. Sara was able to find me rates and discounts that were very competitive. She helped me save 300$ a year in auto insurance! I would extremely likely recommend Sara Langer and Liberty Mutual Insurance to family and friends. Sara understood my particular need, answered all my questions, proactively communicated with me and recognized and appreciated me as a customer. read more

I recently had the pleasure of purchasing home and earth quake insurance through Liberty Mutual Ins. The representative, Sara Langer did such a good job making me feel so comfortable in making the change...she took great measures to make sure that I understand all the nuances of the new policy and all that it included. Sara has a wonderful personality and one can tell that she really enjoys her job and loves the company she works for. I am so pleased and feel like I made a wise choice with Liberty Mutual. Virginia Shuey read more

If you have Liberty Mutual as your home insurer switch now! My husband and I were victims of the Santa Rosa and not only lost our home but lost our lives and spent 10 days in ICU. For the last six months our Insurance Adjustor told us we qualify for 180% replacement cost vs. the 135% replacement cost per our insurance policy because the wildfire was considered a catastrophe. Six months later they are reneging stating that they made a mistake and we are not eligible for this coverage which obviously devastates us. LIBERTY MUTUAL YOU ARE A DISGRACE AND SHOULD BE ASHAMED OF YOURSELVES!! read more

Our downstairs got flooded by a broken water pipe. We have this company's renters insurance. It has been a total disaster working with them. They take a very long time to get anything done. We are still living in this condo while the kitchen is torn out water off and the workers are painting. Liberty Mutual has not set up hotel accommodations for our family yet. Which the policy covers. If you have this company choose another Do not get caught needing their help in a crisis they are not going to take timely care of you. GEICO set us up with this company. I may switch from GEICO as well. It's inexcusable what is going on read more

I have purchased several insurance plans through Liberty Mutual. The pricing I have recieved was very good. this year when my polcies renewed Sara told me that my car insurance and my home owners had gone down. What a great piece of news when everything else is going up thease days. Sara Langer is a pleasure to work with , she is very personable and professional. She is definatly an asset to Liberety Mutual. My Aunt has asked for someone to help her with her auto insurance and she is so happy with Sara that my Aunt always brings up how helpful she has been. Thank you, Sara read more

Let's just say that Liberty Mutual Group is the worst insurer I've ever dealt with! One star is being generous. We were insured by LMG for years before we had to file a claim for a water leak. We had initially thought that the leak was due to a bad roof but later found out that it was due a leaky pipe behind the wall. Since it was a very slow leak, it took months for us to see the damage in the dry way. When we noticed damage, we called LMG and file a claim. They sent a representative (her name is Jana) to our house and all she concluded was that IF it was a roof issue than we are responsible as the roof was not covered under the policy. LMG also stated that if we wanted to file a claim to fix the damage to the dry wall and the floorings then we need to fix the roof situation first. After 12K dollars spent on a new roof, Jana came back out and told us that we were not covered because the leak was considered a "slow leak". LMG/Jana continued to give us the roundabouts on why they are not paying us to fix the damage. We have had many friends with similar if not bigger water-leak issues at their homes and they didn't have a problem getting their insurer to pay for the damages. But of course, they are not insured by LMG. As a home owner, I understand first hand how frustating it is to file claims and that is the reason why I am taking the time to write this review. Don't make the same mistake I made with LMG. You will get better and honest service else where. read more

My husband and I have been LM policyholders for decades. Here's part of the reason why. Recently, I had an issue with the premium on my policy. I called about it, and was told I would have to have the entire policy rewritten - an expensive undertaking. I was truly disappointed about the way the company was handling it, especially because it was a miscommunication from them that was going to cost me an awful lot of money. But here's the thing: the story doesn't end there. A few hours after dealing with the rewrite, I got a call from the representative who'd been working with me. She took personal responsibility for what had happened to me, and wanted to make things right. And she did. Not only will we not have to pay that expense, but I got a sincere apology, too. I appreciate a company that supports and encourages that kind of personal responsibility and integrity. And you know what? That's what they've been like as a company all the time we've worked with them. I feel bad for the folks who've posted about bad experiences here - I'm sure it's been awful for them. But honestly, I have nothing but good things to say. read more

The supervisor, Charles foster and claim specialist, erin jaich, have been very unsympathetic and unprofessional. I feel that they may have behaved this way towards my mother and me, due to us being of a minority ethnicity. On numerous occasions, Erin was confrontational and demeaning towards my mom.Erin, also made claims to my mom that "it doesnt make sense for her to experience pain after the slip and fall". My mom being both in pain and embarrassed, explained on several occasions to erin the discomfort she was experiencing and erin would unsympathetically dismiss it. I contacted erin very upset, because my mom and I have had to deal with extreme pain from our slip and fall. Since she was very defensive, I decided to reach out to her supervisor, Charles foster, and he was even more unprofessional. Instead of taking accountability and giving me the benefit of the doubt, he was very beligerant and spoke over me & interrupted me. I explained that I was concerned about my mother's injury, due to her age, Charles' response was, "well I am close to your mom's age, so be careful what you say." That felt like a threat. I asked other individuals who have filed claims with liberty mutual and the claims' specialist in charge of their case, were not only kind and sympathetic, but went out of their way to ensure customer satisfaction. Also, erin and Charles have been very beligerant towards my mom and me. The physical therapist explained that the fall that I had makes me susceptible to injuring my ankle again, which means my ankle will never be the same. Erin boldly stated that ankles always heal and to Google that information, which I had already done. There is no information stating that ankle sprains are 100% back to normal. As a former instructor of anatomy and physiology, pharmacy and medical law, I can confidently say that Erin has crossed many lines of her job description and of professionalism. I hope that others who may get injuries in the future, do not have to experience what me and my elderly mom have had to with liberty mutual. I hope this is addressed, because I know that the power of social media seems to have a large impact on popular opinion. I do not want to resort to this, but if I feel the need to, I will seek out further resources to expose the lack of concern for injured minorities, from liberty mutual. Thank you for your time. read more