Terrible customer service, cannot speak to a human and cannot find what I need online. Do not recommend, unless you never need anything. Ridiculous rates, seems like a scam. read more

I had auto insurance with liberty mutual for years, In December 2024 I was hit by an uninsured motorest, and I had coverage for uninsured motorist but Liberty Mutual refuses to pay to fix my truck read more

LIKE HAVING NO COVERAGE @ ALL!! (INSULT TO INJURY) SHAME ON YOUR LIBERTY MUTUAL! This company gives auto insurance companies a bad name and reputation! Been with Liberty Mutually since 2007! Yes 16 years with a clean driving record and no accidents or points. They just keep charging their annual premiums and we keep paying. Last month my wife's car got hit while parked in the shopping mall and damage was done to the passenger side rear and passenger side rear quarter panel. I filed a claim as instructed, provided photos through their app, got a police report, and took the car to two body shops. They NEVER even sent out an adjustor. They denied the claim!! We have full coverage insurance. They stated that it was misrepresentation!! Are you kidding? We get hit by a hit and run driver while our car is parked and then get told by our insurance company that we are misrepresenting the facts? They sent our photos of the damage to some third party, whom Im sure is on their payroll, to say it looks like the car was hit while moving. SERIOUSLY??? We have no reason to misrepresent anything. With full coverage insurance the car should be repaired. What's the point in having insurance if they don't cover you? And to make matters worse after 16 years they decided to cancel our insurance policy because we filed a claim that they would not honor!! They gave me 30 days to find another company. Insult on injury, first they don't pay and then they cancel you. How is this fair? Totally unacceptable egregious behavior and a company that acts out in BAD FAITH. Yes, their premiums were one of the lowest and now I can see why because they don't pay out if and when you need them. I think this company has an Ostrich as a mascot and I can see why. When you need them they stick their heads in the sand so as to avoid helping you out. AVOID THIS COMPANY if you can. UPDATE: I ended up getting insurance at Geico, reported these crooks to the Insurance Dept. and got an attorney who felt what they did was wrong and will go after them. The attorney so happens to be litigating against bad insurance companies for 35 years and will take on your case and get paid only if he wins. Shame on you Liberty Mutual. You can and should do better! read more

Liberty Mutual sucks so bad! When I call I can't get through the first 3 times at least because their system doesn't recognize my phone number. The agent I complained to said "yeah it's been broken for months". I have multiple policies with them atm (not for long) and they literally have the wrong policies associated to the wrong properties on their app which caused them to duplicate a claim I made on one property to another. Did you know that insurance companies post claims to LexisNexis and guess what? They made me call them to correct the problem they created. I have tried more than 3 times to take a car and a property off my umbrella policy and they just keep losing the documents they are requesting. This is not a comprehensive list of all their bullshit but I certainly don't have time to list them all. Run far and fast from this disaster waiting to happen. read more

Called Liberty Mutual and upgraded my policy adding my daughter to the policy. When I reported the accident they offered me a rental car and said I was covered under the comprehensive insurance I upgraded to. The next day I got a call saying I was not covered; Even though the conversations were recorded. I have to go to small claims and recover what I can. Totally unethical company. When you call their legal department, at the number posted on their website - you get a busy signal no matter when you call or how many times you try! Terrible company, do not use Liberty Mutual to insure anything. read more

I purchased a bed from IKEA and Liberty Mutual is there insurance company. My daughters bed broke for the second time the piece of steel and we are not getting help from Liberty Mutual the lady Ms. Rosava G. is saying she has tons of work and cant get to ours in a timely matter. Serious i fall out of the bed hurt my back and bumped my head and she tired to offer me $150.00 the bed cost more then that really lady u suck. I have never dealt with a company or should I say person who does not give a fu--. read more

Liberty Mutual - Home & Rental Insurance Near Me - San Francisco, California

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Been a customer of Liberty Mutual's for nearly 20 years. Made 1 claim on an eBike that was stolen from our home. LM said it was covered and was ready to provide payment, yet they then came back and said it was not covered because the eBike could go over 20MPH. I guess they consider anything that can go over 20MPH a motorcycle (according to LM). Our eBike has pedals and has top speed of 18MPH, which I pointed out. They said that our particular bike could be upgraded to go 28MPH. Our bike was not upgraded, which I actually had proof of since you have to get approval from the manufacturer to "unlock and upgrade" the bike (which I did not have from the company). Total BS! read more

Have had LM for years. Just turned in my first claim. A tree fell on my house during a storm..Wouldn't replace the roof..Wouldn't use them ever..I will keep posting this everywhere so they will go out of business read more

My mother is 75 and Liberty Mutual has taken advantage of that. Her original policy for her car was canceled when she was in a rehab for physical therapy. When she returned home she called to get it reinstated. The lady told her it would have to be rewritten. The policy was written and the cost just under $600 for the year so she paid it in full and thought that was that. Then she received a bill for $1600. Upon contacting Liberty Mutual she found out it was for the additional drivers on her policy. She did not add anyone to her policy, but Liberty did. Her son and granddaughter were added because they share the same address. They both have insurance outside of Liberty Mutual. They told her she had to sign a form to remove them. A form was emailed, she signed it and returned it only then to find out it was the wrong policy number on the form and that a new one would either be emailed or sent usps. By this time more than two weeks had passed. I received an email on 3/12 after hours and could not print it till the 13th for it to be signed. It was returned 3/14 via fax. She received another notice stating her policy would pe canceled 3/24 due to non payment. Her policy was canceled, I contacted them so they could help me understand why all of this took place and all they could tell me was they sent multiple forms and didn't receive anything till 3/14 and a payment was due. I find this practice to be quite disturbing, how many other people have been taken advantage of like this. Shame on them. read more

This insurance might be one of shittiest company, I called multiple times for quotes and I clicked on 3 for sales and it keep asking me do all over thing again, and I was able to get in touch with agent the agent sends me to same loop. And I again called for same thing and I was able to get the agent n this agent gave me 8002906320 number to call n when I called I chose option 1 and option 1 again , I just wanted to know that the quote which I have does it cover full coverage or not. read more

I had multiple policies with Liberty Mutual for years. Among them was an auto policy which included theft. I had a car stolen from me and I submitted a claim which included police reports and all necessary details. Liberty Mutual immediately denied the claim. I apealed to claims managers, supervisors all the way up to the President of the company and still the claim was denied. I ended up canceling all of my policies and moved on to another insurance carrier. It seemed to me that Liberty Mutual was more interested in making money than satisfying its customers. read more

I live in a town home and 4 and one half years ago, insurance agent of yours issed the wrong type of policy for it. It wasn't until earlier this month when a vandal ruined my 6 month old air conditioner, and I was told that my policy didn't cover the loss. And that I needed a different type of policy for my town home. The company took no responsibility for the mistake. And I had to pay the full for yet another new air conditioner. I will be contacting the insurance commissioner and seeking legal advice on this matter. read more

Cancelled homeowners policy due to 'high wildfire risk'. We've had LibertyMutual for both Homeowners and Auto insurance since 2006. Over the weekend we received a letter stating that they would be cancelling our Homeowners policy within two months for the following reasons: - Close proximity to native and/or non-native flammable vegetation - Wind Patters relative to fire fuel during typical wildfire season - Poor road accessibility for firefighting/emergency response equipment. When I contacted LM I was told by the on-phone rep that there wasn't anything that could be done because the policy was 'cancelled by the underwriters'. When I asked WHO the underwriters were the rep basically refused to give me a name. Going back to the reasons above... 1) Daly City REQUIRES that residents keep vegetation cleared... and will fine us if we don't trim our hillsides. 2) You can't do anything about wind patterns and I think this is just a b*llsh*t excuse. 3) This is a totally bogus excuse as well because we see fire truck using our street, either as a short cut (at least a dozen times a year)... or while 'practicing/cleaning out their hoses' at least once quarterly. So... I guess I gotta go find another Insurance company. And if anyone asks me about insurance... I will be sure to dissuade them from using LM. read more

WORST Roadside Assistance and Customer Service EVER!!! If you enjoy spending an hour trying to reach a live person to make a claim, they may be for you. Yesterday I called to make a claim, and after winding you through a horrendous phone prompt system, they send you a text (whether you want them to or not) and you are supposed to process you claim via text. But the agent didn't file the claim right and I got no info, and the tow truck never showed up. 2 hours later another agent filed a second claim to tow my car this morning, but failed to mention I don't have a key (which IS the issue I called about to begin with), and the tow company send the wrong kind of truck. Then the tow company tried to charge me $200 to break into my car because they said LM failed to order that service. I had to go through the horrendous phone prompt system several times but my vehicle finally got towed. Turns out I need to tow it back, so I called to make another claim and was routed through a robot prompt to another text, which directed me to call the number I called in the first place! And now I am on hold for "more than 30 minutes" to make an initial claim. CRAZY. I am using the time to look for a new insurance company. DON'T DO IT! They gave me good rates and I got one ticket and my rates doubled. First ticket in 25 years. read more

I am frustrated with the overall process of working with Liberty Mutual. Their website is difficult to use. I have spent so much time going in circles trying to find the information I'm looking for. My earthquake insurance policy can't even be viewed on the site. They constantly direct you to use the site for questions, and make it difficult to get a real person on the phone to talk with. Lots of punching numbers, waiting, holding, transferring and more holding. Also, when I finally did a cost comparison I learned they are much more expensive than the competition. read more

I am having a HORRIBLE experience trying to submit a claim with Liberty Mutual. The process is a racket, the adjusters are rude, challenging the refund and giving me the run around. It has been 2 months and we are not any further along in a resolution. It is extremely frustrating and I feel there is no end in sight. read more

I needed roadside assistance on October 31, 2021. I had to pay an out-of-pocket fee of $77.00 to change a flat tire. After five hours of waiting, and no word of any road side assistance being summoned, I contacted another carrier who showed up with 15 minutes. I have made six calls to a)get the refund of $77.00 and b) cancel the roadside service of my policy since the service was abismal. Telephoning Liberty Mutual is a massive headache and one suffers endless re-routing and being disconnected. My advise: find another insurance carrier.... read more

My son was involved in a car accident back in January. In Indiana the BMV wants to see certificate of coverage. I was assured liberty sent them the info. The BMV said it was sent with my info and they need to see my sons info. Liberty said they were unable to reprocess the certificate so now my sons drivers license is suspended for the foreseeable future. my only recourse is the better business bureau and court action all for a mistake on their part. STAY AWAY if you cause your license. read more

Called around because after eight years of perfect driving (lifelong, actually) and zero claims Progressive had more than tripled my rate. So I went with Liberty Mutual's ridiculously low rate. Should have realized it was a just a teaser- after six months they DOUBLED it, out-and-out crooks. BUT, I asked around and (first I'd heard it) people who know told me that AAA can't be beat, for rates OR service. They're non-profit, and apparently rarely raise rates and keep them low. They only insure members- I called them and got a rate even LOWER than Liberty's teaser rate. So now I'm a happy camper. read more

Your commercials are a total waste of money. I have never seen ads so bad that I have to change channels and puke. YOUR NOT MATCH FOR GEICO and never will be both in service and advertising. Save the money that you don't use to pay your claims (per your reviews) and close shop. GEICO has it all over you ! Someone actually sat in a cubical, at your office, and created these ads. Then another shcmuck approved them. What a joke. Fire that person first, then pack it in and find another line of business to rip off the American public. This will save the public from your fraud and their nausea and vomiting created by your ads. read more

I submitted my claim for a car a year ago, and I got their response a year ago. They said they would follow up on this matter and give me the answer as soon as possible. It's been almost a year now, and things haven't made a little progress at all. The accident report is obviously not my fault. I don't understand why an insurance company can postpone it for various reasons and not answer the questions I raised during the claim process. It's hard to believe that a year has passed since you couldn't even solve a simple traffic accident claim case. I hope this comment will be seen by your management and then contact me, thank you！ read more

Liberty Mutual Emergency Roadside Assistance--dangerous, unsafe--not dependable or trustworthy. left me stranded with a dying cell phone and did not send anyone to help me. Couldn't find my account. put me on hold. couldn't get my name or number straight. was on the phone for an hour. I have never ever had problems with AAA or getting roadside insurance before with any company. I was stranded out in the cold dark night alone looking for a gas station Nov 2019. Do not use Liberty Mutual to depend on for the safety of your loved ones. The service was shocking. I have been a member of theirs for over 15 years straight with a valid full service auto policy/renters insurance/and new umbrella policy --never interrupted--in good standing no accidents, etc. hadn't used my insurance coverage for years. I had to hang up from liberty mutual as my phone was dying after an hour and call Subaru roadside assistance when my cell phone bars were on 2% before I was totally cut off. they charged me $107 but responded right away and got someone out there as soon as he could arrive and kept me posted. I was stranded for almost 3 hours. Liberty Mutual refunded only 50. of the $107. charge with no reply. no compensation for the dangerous conditions and lack of service or reimbursement for services I pay them for. I was scared and upset to be stranded--luckily I got home safe finally. Liberty Mutual has gone way downhill as they have gotten bigger. They also sold me the umbrella policy with false claims that it would cover a hobby exhibition--I soon found out that it would not be covered, but I decided to keep the policy anyway. There are a lot of new untrained employees who are nice but dangerously incompetent and they will take your money but leave you with no coverage when you need it most. I just bought the AAA roadside insurance for safety as the extra cost is worth it as they have always been reliable and know how to get you help when you are stranded--unlike liberty mutual. read more

I am beyond disgusted with the ridiculously high number of TV ads for Liberty Mutual. Tonight I was so angry I would have shot the TV to get rid of that stupid emu popping up several times an hour on every channel I watch. You are the most annoying intrusion ever. I will never consider switching to a company that spends so much on advertising and makes a pest of itself by intruding nonstop. Please stop the excessive number of ads!!!!! read more

The Limu Emu commercial is just horrible and I can't stand seeing it. I'll even change the channel when it comes on. And "only pay what you need " slogan is also the worse tag line. I only pay what I need for insurance. Liberty isn't special read more

They offered unreasonably low price for my totaled vehicle and justified it by ignoring all local comparable and using out of state vehicles to drive down the price. I bought their California policy. California Car Dealer prices are higher than the national average prices. The comparable in California are available and therefore cannot be ignored in order to drive down the appraisal value. The out of state comparable maybe used only if in-state comparable is not available, which is not the case with my vehicle. The cost of insurance premium is different in every state because the insurance risks and costs are different. Charging in-state premium while using out of state comparable(s) while in-state comparable(s) are available, may be a violation of the Insurance Code § 790.03(h)(6). The California Insurance Commissioner Regulations states in part: "No insurer shall attempt to settle a claim by making a settlement offer that is unreasonably low." [California Code of Regulations Title X, Chapter 5, Subchapter 7.5, § 2695.7(g)]. read more

The worst service ever, it is not worth it. tried to file a claim after a incident and couldn't talk to adjuster and would take over a week to contact me back when I did try to talk and still couldn't help me, tried talking to supervisor and had to call and email him and couldn't even talk to him at all and when calling customer service to tell them that I can't get in contact with anyone they just tell me they couldn't do nothing to help me. And yet have had my payment to be correct.Would not recommend it to anyone at all read more

I am absolutely appalled by the customer service at this company. A driver insured by this company hit my car causing damage that is still not repaired due to covid and back ordered parts. This accident happened 12/2 and I am still without vehicle. Liberty mutual is the insurer of this other driver. They took full responsibility for this accident and the repairs. Due to the long time of parts and repairs, I was set up with a rental car. Then finally today, I was told by liberty mutual that "my rental car was set up in error, and that I must return It today and they will no longer pay for It". The estimate on my cars repairs is another 3 weeks. How does a company "accidentally" make a rental car reservation ?!?! And even if It was an accident, how are you going to just rip It away and now I have to suffer because someone "made an accidental" reservation?! Sounds like the company is just to cheap to pay for It any longer.... Disgusting. read more

I am not complaining about any one individual insurance representative. I am complaining about the company. They now want you to "chat with them" on line and getting an actual person on the phone, will cost you at least 1/2 hour of your life on hold. Chatting means that you have to spend a lot of time typing, waiting for a response, then typing some more and waiting some more, in hopes that the rep will at some point get what you are trying to type after you have given them all the information in the world and wasted tons of time. Big companies no longer want to talk to you. Sure it would save the customer lots of time and get the issue resolved. NO, big companies want to save themselves time and money and that means worse and worse customer service as they care less about the customer's time they waste. I am no longer with Liberty Mutual. If I can't call a representative and get my problems resolved promptly, I do not want to do business with them. It gives me great pleasure to say I am no longer wasting my time with you. read more

This is an awful company. We used to use them for property insurance. They will gladly take your money but when the time comes and you need them, they will do anything to delay, avoid, or even outright cancel your policy. read more

Liberty Mutual will NOT take responsibility for their own mistakes. Apparently, there was a computer glitch and the automatic payments were not received from Jan-Oct 2021, in spite of the fact that I had been enrolled in their auto payments since 2018. Without any warning or explanation, my payments doubled in January of 2022. In fact, it took 5 phone calls before anyone was able to figure out what had happened to make my payments double. I have been very disappointed with how this has been handled as they continue to expect payments for both years. I was forced to decrease my car insurance to the bare minimum to lessen the payments, but they are still more than $400/month. As a single mom, I cannot afford this. I would not recommend Liberty Mutual. read more

I was hit by a liberty mutual customer 17 days ago. Liberty mutual has vanished. No contact until my insurance company contacted them--then they took my statement and vanished again. I leave daily messages without reply. We've not been able to drive at night due to headlights smashed by their insured. Stay away from this "business" at all costs. read more

I have a brand new business. Vintage furnishings and collectibles. Storm flooded drain on deck above the shop. It poured in through the ceiling and did $10K in damage. Claim denied. Why? Because there was no damage to the deck above. I should have checked Yelp before purchasing the policy. Big business screwing small business, and getting rich off of peoples hardships. I'm disgusted. read more

This insurance company passes claims around to different adjusters taking close to 2 weeks to approve repair work them deny extensions for rental car. Car took 3 weeks to repair but 30 day limit for rentals. If the company had approved repair work in a timely fashion this would be ok. But close to 3 weeks to approve left only 2 weeks for repair One adjuster quit and claim wasn't picked up. Broker said this is typical Money is spent on commercials not customers read more

We thought Liberty Mutual was a good company, as we have been using them for many years. Then we accidentally scratched another's car slightly. We were told by our agent to submit an estimate directly from the auto body shop. We did so, then the person whose car we scratched received a check from Liberty for just enough above the shop's estimate to raise our rates. Our agent was clueless and the estimator and adjuster for Liberty were unreasonable. Do NOT trust Liberty Mutual! read more

They told me to take my vehicle to a certain mechanic after I was hit by someone who had Liberty Mutual ins. I took it to the specified repair shop. Liberty kept dragging their feet on the claim. After 40 days I was told that the person who hit me did NOT have ins. The repair shop charged $240 for storage. Why did it take them over a month to check eligibility of the other driver? read more

If I could give them 0 stars I would. They refuse to pay for pretty much anything on homeowners and when you need them when your car breaks down be prepared to answer twenty questions to prove you have a policy and then wait a long time read more

This company is weird and predatory. I have had autopay with them for over 4 years. For some reason they assigned a $341 debt to my account but never called or sent email correspondance. Instead I was notifed my credit fell 55 points beacue liberty mutual hired a collection company for the $341 the whole time corresponding with me normally and taking the autmatic drafts and providing insurance coverage. Who the hell does this? read more

So I had Liberty Mutual for a couple of years and during that time, I made several complaints to them about their billing. They kept taking the wrong amount of money or they would take it before the actual due date, etc... I got tired of having to deal with them so I terminated their services. That was 2 years ago. Recently I got a notification that I a collection was placed on my credit report and lo and behold, it was from Liberty Mutual. Mind you, I never got a letter from them saying I owed them any money (I didn't and I don't); they just went ahead and sent me to collections. Ladies and gentlemen, this is the reason why they are no longer my insurance company. They have cute commercials on TV but their customer service and billing is atrocious. I will never, ever be their customer again. If you are considering LM for insurance, don't walk, RUN AWAY AND AS FAST AS POSSIBLE. HORRIBLE COMPANY!!!! read more

I was a victim of an accident where the other party admitted fault. Decided that did not want to sue because the insurance stated they would fix my car at any given auto shop. At the very start of the claim, Safeco/ Liberty Mutual was very distant and not at all communitive with me about the process. I had to initialize everything with everyone in the process except the auto shop was impossible to get in touch with. Finally a month or more later I was able to get my car in the shop and they helped me to even get a rental car for work. I live paycheck to paycheck in these hard times and need a car for work every day. Then the emails between Mr. Gonzalez and Mr. Wilkinson stated the rates and what they would be paying. Safeco in the rates was severely undercutting the rates given by the auto fix shop (the only Mazda-certified shop in Arizona). The great communications of the auto shop were met with very poor communications by Liberty mutual. This has to be the worst insurance experience I've gone through. Safeco stated that they would not budge and never contacted me about any of this, I had to find out when trying to pick up my car when it was fixed. I live an hour and a half away from the auto shop, not to mention throughout the process had to take 2 non-paid days off work (I can't afford this). Safeco stated my car was fixed and needed to be picked up or I would have to start paying for the rental car out of pocket. The auto shop stated that same day that they would start to charge me storage fees if not picked up that day. When I arrived they stated that the insurance refused to pay the $770.47 for the labor fees and that I will not be getting my car back till it was paid. I don't have $770.47 for this surprise expense. I needed a car, communicating with Safeco/Liberty Mutual was no help at all. They said that I would have to cover this and that they would not be helping at all. They said I get to pick the auto shop, but nothing was communicated about me having to pay this surprise expense and was never able to get in touch with Mr. Wilkinson throughout the entire process (called, emailed, voicemail). Communication was the biggest factor where Safeco/Liberty Mutual failed, because if I was told that I would have to pay for something that I know I didn't have the money for then I would have taken my car to a shop less expensive. read more

If you haven't been convinced by the rest of the comments, DONT GET LIBERTY MUTUAL. I bought renters insurance, and a few weeks ago there was water damage in my room, destroying my bed and a few electronics. I had to be relocated while my landlord fixed the damage. Liberty Mutual gave me no price range for a place to stay, just said "find something reasonable" so I did. They agreed to all the fees, then halfway through my busiest work event of the year, they call to say JUST KIDDING you need to move locations now. When I requested they send me options (which they hired a company to do anyway) they took days to send me anything (each day calling to tell me to move, and each day I told them I hadn't received any options yet!) Finally on Friday they sent me three Airbnb options, but the prices were HIGHER than the place I was already staying!! Then they were out of office for the weekend, and came back Monday to demand I pay the difference in price from the (ridiculously low) rental price they deemed fair only AFTER they had approved my stay. Then, they sent me a list of my damaged items and their repLacement costs, one of which was my $600 Yamaha keybboard piano they said was replaceable with $200!!! There is much more to the story but I think this is enough. DON'T go with Liberty Mutual/Safeco. read more