Liberty Mutual Group

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!

Another year, another HUGE price hike in my insurance…
It’s too late for me, because now I have to search for a new company to take everything (house, car, etc), but you can avoid my mistake. Save yourselves!!!

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.

Wish I had read all the terrible Unilocal 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.

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.

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

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.

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
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.

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.