We all know that finding the right homeowners insurance can be a daunting task. With so many options out there, how do you decide which company is the best fit for your needs? In this article, we’ll compare Liberty Mutual and State Farm homeowners insurance, shedding light on what customers have to say about these two popular providers.
Liberty Mutual vs. State Farm: Compare Quotes & Save
Compare Liberty Mutual and State Farm home insurance details
| Criterion | Liberty Mutual | State Farm |
| Average annual premium | $1,414 | $1,356 |
| Ratings | A.M. Best: A++ | A.M. Best: A++ |
| Customer satisfaction | J.D. Power: 832/1000 | J.D. Power: 841/1000 |
| Key differences | – Extensive agent network |
Notes:
- Average annual premiums may vary depending on location and individual profile.
- It’s recommended to compare quotes from multiple insurance companies before making a decision.
- Carefully review the terms and conditions of the insurance policy before signing.
- For more information about these two insurance companies, you can visit:
Liberty Mutual: https://www.libertymutual.com/log-in
State Farm: https://www.statefarm.com/
Independent Customer Reviews
To ensure a fair and unbiased comparison, we’ve examined independent customer reviews from third-party sites including Trustpilot and the Better Business Bureau (BBB). By doing so, we can get a comprehensive view of how customers feel about their experiences with Liberty Mutual and State Farm.
Liberty Mutual Reviews
Despite some negative feedback regarding high premiums, Liberty Mutual customers rave about the company’s excellent customer service. One customer, Allison, expressed confidence in the company’s ability to handle claims: “I have had Liberty Mutual for years and thankfully have not had to put in a claim…but I am very confident that in the event I would need to do so, I would have no issues.”
Katherine P also had a positive experience: “I’ve also found them helpful and they lowered my policy a lot when I asked them for advice.” However, not all reviews were positive. Dianna R shared her disappointment in high prices, stating, “Had House, auto and umbrella priced out with other companies. We are changing companies to another highly respected company and will save $3,000 per year for the exact same coverage. An incredibly disappointing realization.”
Another customer, Austin O, expressed frustration with Liberty Mutual’s lack of service and support: “It has been two months and we still can’t get the roof repair started. The lack of service and customer support is a sign that we need to look for other insurance companies elsewhere.”
State Farm Reviews
State Farm customers appreciate the individualized attention they receive from local agents. Timothy A had a great experience with agent Sara, stating, “She was very professional, informative, and helpful in helping me make the best decision on purchasing homeowners and auto insurance.”
Cynthia O also had positive things to say about the responsiveness of her State Farm office: “State Farm is extremely responsive if there is a problem. Thank you again and always.” However, not all customers were satisfied. Alexandra S expressed frustration with State Farm’s refusal to replace siding instead of patching it: “My house is $600,000 plus and an investment, I don’t think a patch work is acceptable.”
Russell B had a challenging experience during a kitchen remodel, claiming he was misled and received only half of the estimate: “This project was in the middle of Covid, and contractors were hard to find without spending three times the amount.”
Final Thoughts
Both Liberty Mutual and State Farm have their strengths and weaknesses. Liberty Mutual customers appreciate the company’s excellent customer service, but some are put off by high premiums. State Farm customers enjoy the personalized attention of local agents, but there have been complaints about repair estimates.
Ultimately, finding the best homeowners insurance for your needs requires careful consideration. It’s essential to compare quotes, read customer reviews, and assess your specific coverage requirements. By doing so, you’ll be well-equipped to make an informed decision that provides you with the peace of mind you deserve.
For more information and helpful tips on homeowners insurance, visit Business Insurance Blog. I hope you find the right insurance company for your needs!
- Additional Resources:
https://content.naic.org/cipr-topics/homeowners-insurance
https://money.com/how-to-buy-home-insurance/
https://www.trustedchoice.com/homeowners-insurance/home-coverage-faq/