Do not use Liberty for Home Insurance please!!!!! My husband and I were fire victims of the Northbay fire back in October 2017. We were in ICU for over 8 days and almost lost our lives. Our Insurance adjustor told us six months ago and in writing that we qualified for 180% replacement replacement cost coverage because our area was in a catastrophe and we qualified as such. When it was time for the final payout and replacement coverage supported by their adjustor showing coverage exceeded the 80% , the "LARGE LOSS CLAIMS ADJUSTOR/TEAM MANAGER" said we were mistakenly informed and that there was an error. LIBERTY MUTUAL YOU SHOULD BE VERY VERY ASHAMED OF YOURSELVES!!!! read more