Who Is Liberty Mutual?
Liberty Mutual Group is one of the largest and most diversified global insurers in the world. Headquartered in Boston, Massachusetts, Liberty Mutual provides a wide range of insurance products including auto, home, renters, condo, landlord, umbrella, and life insurance. The company operates in more than 30 countries and is consistently ranked among the Fortune 100.
Better Choice Insurance Group partners with Liberty Mutual because of their broad product portfolio, strong financial standing, and excellent bundling discounts. Whether you need a simple auto policy or a complex package covering your home, cars, and rental properties, Liberty Mutual has a solution.
Note: Formerly Safeco — rebranded April 2026. Existing Safeco policies are unchanged; all new business is written under the Liberty Mutual name.
History & Heritage
Liberty Mutual was founded in 1912 in Boston, Massachusetts, as the Massachusetts Employees Insurance Association (MEIA). The company was established in response to a 1911 Massachusetts law requiring employers to protect their employees with workers' compensation insurance. From its very beginnings, Liberty Mutual was built on the principle of helping people protect what matters most.
Over the following decades, Liberty Mutual expanded well beyond workers' compensation. They began offering personal auto insurance in the 1930s and homeowners insurance in the 1940s. The company grew steadily through both organic expansion and strategic acquisitions, including the purchase of Safeco Corporation in 2008, which significantly expanded their independent agency distribution channel.
Today, Liberty Mutual is a Fortune 100 company with over $50 billion in annual revenue and operations spanning the globe. Despite their massive scale, they remain a mutual company — meaning they are owned by their policyholders, not shareholders. This structure allows them to focus on long-term value for customers rather than short-term profits.
What Liberty Mutual Is Known For
Comprehensive Home and Auto Bundling
Liberty Mutual is one of the strongest carriers for bundling home and auto insurance. Their multi-policy discounts are among the most generous in the industry, and they offer a seamless experience when you combine multiple lines of coverage under one account.
Broad Coverage Options
Liberty Mutual offers an unusually wide range of coverage endorsements and optional features. Their home insurance includes options like inflation protection, which automatically adjusts your dwelling coverage to keep pace with rising construction costs. Their auto insurance includes options like better car replacement, which pays for a model one year newer if your car is totaled.
RightTrack Safe Driving Program
Liberty Mutual's RightTrack program rewards safe drivers with discounts of up to 30%. The program uses a mobile app to monitor driving habits over a 90-day period, and you are guaranteed a discount just for signing up — you can only save more, never less.
Strong Claims Service
Liberty Mutual operates a large network of claims adjusters and repair facilities across the country. Their claims process is supported by a robust mobile app and online portal, making it easy to file, track, and manage claims from anywhere.
Landlord and Rental Property Insurance
For our clients who own rental properties, Liberty Mutual offers dedicated landlord insurance products that cover the unique risks of being a property owner — including loss of rental income, liability protection, and coverage for fixtures and appliances.
Why We Partner With Liberty Mutual
Liberty Mutual is one of the most versatile carriers on our panel. When a client comes to us with multiple insurance needs — a home, two cars, a rental property, and an umbrella policy — Liberty Mutual is often the carrier that can package everything together at the most competitive total price.
We also value Liberty Mutual's financial strength and stability. When you buy a policy from Liberty Mutual, you are backed by one of the largest insurers in the world. That kind of security matters, especially when it comes time to file a claim. Their claims team is responsive, fair, and well-resourced.
From an agency perspective, Liberty Mutual is a great partner. Their quoting tools are excellent, their underwriting is reasonable, and their service team is accessible when we need to advocate for our clients. They are the kind of carrier that makes us look good because they take care of our clients well.
AM Best Rating: A (Excellent)
Liberty Mutual holds an A (Excellent) rating from AM Best, the leading insurance industry rating agency. This rating reflects Liberty Mutual's strong financial position and their proven ability to pay claims. With over a century of stability behind them, Liberty Mutual is a carrier you can count on.
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Where We Write Liberty Mutual Insurance
Better Choice Insurance Group offers Liberty Mutual Insurance policies to homeowners and drivers across our service areas:
- Illinois: St. Charles, Naperville, Chicago, Aurora, Schaumburg
- Texas: San Antonio, Dallas, Houston, Austin, Fort Worth
- Indiana: Indianapolis, Carmel, Fishers
- Minnesota: Minneapolis, St. Paul, Bloomington