As an independent insurance agency, we have the privilege of working with some of the best carriers in the industry. Each one on our panel brings something different to the table, and part of our job is knowing which carrier is the best fit for each client's unique situation. Today, we want to talk about a carrier that wins more of those matchups than people might expect: Liberty Mutual.
Liberty Mutual is a Fortune 100 company with over a century of history, and they remain one of the most versatile carriers on our panel. Whether you need a straightforward auto policy, a comprehensive home insurance package, landlord coverage for your rental property, or an umbrella policy tying it all together, Liberty Mutual can usually do it — and do it well. Here are five reasons they have become one of our go-to carriers at Better Choice Insurance Group.
1. Nobody Bundles Better Than Liberty Mutual
If there is one thing Liberty Mutual does better than almost any carrier on our panel, it is bundling. When a client comes to us needing home and auto insurance (and maybe a rental property and an umbrella on top of that), Liberty Mutual is almost always one of the first carriers we quote — because their multi-policy discounts are among the most generous in the industry.
Here is why this matters. Many carriers offer bundling discounts, but the discount is often modest — maybe 5 to 10 percent. Liberty Mutual's bundling discounts tend to be significantly higher, especially when you are combining three or more policies. When you factor in the bundle discount on top of their already-competitive base rates, the total package price is frequently the lowest of any carrier we quote.
We have seen this play out hundreds of times. A client shopping home and auto separately might find a lower home rate with Carrier A and a lower auto rate with Carrier B. But when we quote both lines together through Liberty Mutual, the bundled package comes in lower than the split approach. The whole is literally less than the sum of its parts. That is the power of Liberty Mutual's bundling.
2. Their Coverage Options Go Deeper Than Most
Liberty Mutual is not a bare-bones carrier. They offer a wide range of coverage endorsements and optional features that let us tailor policies to exactly what each client needs. A few standouts include:
- Better Car Replacement: If your car is totaled, Liberty Mutual pays for a model one year newer with 15,000 fewer miles — not just the depreciated value of your old car. This is an incredibly valuable benefit that most carriers do not offer.
- Inflation Protection: For home insurance, this endorsement automatically adjusts your dwelling coverage limit to keep pace with rising construction costs. In a market where building materials have increased sharply, this kind of protection prevents you from being underinsured without realizing it.
- New Car Replacement: If you total your new car within the first year, Liberty Mutual will pay to replace it with a brand-new model of the same make, rather than just the depreciated value.
- Accident Forgiveness: Your first at-fault accident will not trigger a rate increase. For families with young drivers, this is a safety net that provides real peace of mind.
These are not gimmicks. They are meaningful coverage enhancements that protect our clients from common gaps that standard policies leave exposed. When we present Liberty Mutual quotes, we always walk through these options because they can make a real difference when it matters most.
3. They Are Built for Homeowners With Multiple Properties
A significant number of our clients in the Chicago suburbs own rental properties in addition to their primary home. For these clients, Liberty Mutual is often the best fit on our panel. Their landlord insurance products are comprehensive and competitively priced, covering the unique risks that come with being a property owner.
Liberty Mutual's landlord policies include dwelling coverage, liability protection, loss of rental income coverage (if the property becomes uninhabitable), and coverage for appliances and fixtures that you own as the landlord. They also offer optional endorsements for things like water backup, which is particularly relevant for older properties in our area.
The real advantage, though, is that you can package your landlord policy with your personal home and auto policies under one Liberty Mutual account. One carrier, one bill, one relationship — and the bundling discount applies across all of it. For clients managing multiple properties, this simplicity and savings combination is hard to beat.
4. Their RightTrack Program Rewards Safe Drivers
Liberty Mutual's RightTrack safe driving program is one of the better usage-based insurance programs available. You download the app, drive normally for a 90-day monitoring period, and earn a discount based on your driving habits. The program looks at factors like hard braking, acceleration, phone usage while driving, and time of day.
What we like most about RightTrack is the guarantee: you are guaranteed a discount just for enrolling. The only question is how much. Safe drivers can earn up to 30 percent off their auto premium, which is one of the highest potential usage-based discounts in the market. Even if your driving habits are only average, you will still get some level of discount.
For our clients who are confident in their driving habits, RightTrack is an easy recommendation. It is risk-free, costs nothing to try, and can result in substantial savings on an already-competitive Liberty Mutual auto policy.
5. Over 110 Years of Financial Strength and Stability
Liberty Mutual was founded in 1912. They have survived two world wars, the Great Depression, multiple recessions, and every major catastrophe the insurance industry has faced over the past century. They hold an A (Excellent) rating from AM Best, manage over $50 billion in annual revenue, and operate in more than 30 countries worldwide.
As a mutual company, Liberty Mutual is owned by its policyholders — not Wall Street shareholders. That structure means their decisions are guided by long-term stability rather than quarterly earnings pressure. For our clients, that translates to a carrier that is not going to pull out of a market, spike rates erratically, or cut corners on claims to boost short-term profits.
When we recommend Liberty Mutual, we do so with complete confidence that the company will be there to pay claims for decades to come. That kind of certainty is worth something — especially in an industry where financial strength is everything.
A Real Client Story
Here is a scenario we see regularly. A family in Naperville, Illinois contacted us with a full insurance portfolio: a primary home, two cars, a rental condo in the city, and an umbrella policy. They had all four policies spread across three different carriers, which meant three different bills, three different customer service experiences, and no bundling discounts whatsoever.
We consolidated everything with Liberty Mutual. The result: their total annual premium dropped from $8,400 across three carriers to $6,100 with Liberty Mutual — a savings of $2,300 per year. The coverage was equal or better on every line. They also gained access to better car replacement on their auto policy and inflation protection on their homeowners policy, which they did not have before.
The savings came from two places: Liberty Mutual's multi-policy discount (which stacked across all four policies) and Liberty Mutual's competitive base rates for their specific property and driver profiles. No single carrier on our panel could have matched that total package price because no other carrier's bundling math was as favorable.
How Liberty Mutual Stacks Up for Bundle Shoppers
| Feature | Liberty Mutual | Typical Single-Line Carrier |
|---|---|---|
| Multi-policy discount | Among the highest in the industry | Modest (5–10%) |
| Lines available to bundle | Home, auto, landlord, condo, umbrella, life | Usually home + auto only |
| Better car replacement | Yes (one year newer, 15K fewer miles) | Rare |
| Inflation protection (home) | Yes (automatic adjustment) | Sometimes available |
| Usage-based discount potential | Up to 30% (RightTrack) | Varies (10–20% typical) |
| AM Best rating | A (Excellent) | Varies |
| Landlord insurance | Full product with rental income coverage | Limited or unavailable |
The Bottom Line
Liberty Mutual is the kind of carrier that reveals its strength when you look at the full picture. Their individual line rates are competitive, but their real superpower is the bundled package. When a client needs home, auto, and possibly landlord or umbrella coverage, Liberty Mutual's multi-policy math frequently produces the lowest total premium of any carrier on our panel. Add in their deep coverage options, 110+ years of financial stability, and the RightTrack safe driving discount, and you have a carrier that deserves serious consideration.
If you are juggling multiple policies across different carriers — or if you have not shopped your bundle in a while — there is a good chance Liberty Mutual can save you money. Get a free quote from Better Choice Insurance Group and we will compare Liberty Mutual alongside 18+ other carriers to find your best total package. It takes just a few minutes, costs nothing, and there is no obligation.
You can also call us at (847) 908-5665 or visit our Liberty Mutual carrier page for quick links to manage your account, file a claim, or download the app.