Liberty MutualReviews 63

This is by far the worst Insurance Company I've ever had to deal with in my life. They are not willing to be helpful in any way and are not personable at all. You must do all the research and make all the calls. You must take the time off of work, without being reimbursed, to drop off and pick up your car, they say they'll give you a comparable rental car, but it's not even close to what you own? They care nothing about the people and ALL about their bottom line. They basically push you to file with your own insurance to save you the headache they cause. As if a car accident isn't bad enough.

Stay away from Liberty Mutual, they have people like Michael F Kotas, a micky mouse claim rep, working for them, his job is to try to rip off people for liberty mutual, they left a totaled out vehicle in our shop for a month, then Michael F Kotas emails us to try to rip us off on our charges, because of liberty mutual horrible claim services the insured has to make a extra payment on a totaled out vehicle and pay insurance on a vehicle he could not use, we told Michael F Katos we were going to put a complaint in with the insurance department, his bad attitude was do what you got to do, this is what liberty mutual hires, real trash customer service.

I had the worst experience ever after a flood happened in my kitchen. The claims rep, Winnie Pang did everything she could to delay paying for my damages or expediting the process. When I spoke with her boss, Jennifer she was no help at all and stopped accepting my calls. I had to pay for the repairs out of my own pocket since the kitchen was tore down for weeks and the sink was not useable during this period. After weeks of wrangling with them they finally offered me a low ball settlement that was hundreds below what I actually paid. There are a bunch of crooks running this company. I asked to elevate my complaints and was refused. Don't say you weren't warned. Buyer Beware!

We were traveling back to our home in Show Low from Phoenix, when we had a flat tire. We were a mile or so from a town Superior. Our Hyundai is a year that no spare was included. So, we contacted Liberty Mutual roadside assistance. They had no idea where Superior Arizona was located. They finally said they would send help. Which they did, only to Gold Canyon. Gold Canyon is at least 20 miles to the west of where we were. We waited an hour and called customer service again. The rep told us that they couldn't come that far out unless we paid a hook up charge of $130.00. Then they would make arrangements with a tow company to pick us up. We angrily paid the extortion because we had sat there three hours. Over an hour later, the tow truck arrived. We cancelled our policy the next morning, and went back to State Farm. Saving a little premium means nothing if the coverage is poor. And Liberty Mutual coverage is poor.

They will not help me though they are responsible for my car. They transfer you everywhere and don't answer your claim questions no matter what you try. My insurance company can't even get ahold of this poisonous company

LIBERTY MUTUAL IS TRASH! There is nothing stable about them. Your rates will go up often. My premium went from $7000 to $9,476, mind you I had no accidents and paid my bill. They do not value their customers at all. I been a customer since 2021 and my bill went up 3 times since. They lack customer service skills, all they want to do is rob you. Their system would automatically take my card off of autopay without my acknowledgment and they would charged me more because of it. My bills went up due to inflation, now it's due to medical coverages that went on their end. Everything may seem sweet in the beginning but trust me liberty mutual will raise your prices and then they will tell you they can readjust your rate like they are doing you a favor. Mind you they only deduct it by $100 but they charge you so much more that you still getting ripped off. Do not join liberty mutual, they will kill your pockets. They also don't have agents who are knowledgeable of the product and lack customer service skills. Just run ‍

Now let me start off by saying train your employees to make sure their customers understand their policies before, not after a accident. Now liberty tells you your policy doesn't cover collision so sorry. Also your policy does not have uninsured motorist either! Now for quality products and services this call will be recorded. When I started with liberty I said to the agent I need full coverage! I'm 66 retired and disabled my car is paid for. Why on earth would I turn down both of those coverages! I wouldn't! Ever! Then don't get ill and go in the hospital or you will pay 285.00 to reinstate your insurance for auto 10 days from the date of their letter it went from I think it was 80.00 to 285.00. They didn't care it's all about the money I wasn't even driving the car I was in the hospital with covid and pneumonia. My advice go to state farm you pay for what you want, not what they give you...*

They keep telling me I all the money all the way back from December until now when I have proof inside of my bank account that I paid these payments they keep saying that they don't have it and they keep doubling the price of the payment every other week I went from only on them 362 to $643 in less than 7 days and instead of helping me file a dispute and helping me to understand what's going on they're just talking in circles and just pretty much just throwing me to the wolves I feel really bad about this company at first I really loved it I didn't have any issues with it but now it's just like they don't want to accept your payments when you send them to them right away they want to wait three four days after the actual day that they're supposed to take the payment and they want to jack it out and then they try to return it back to your account but then when your account actually does show proof that it sent they will tell you that they never got that money and that's what I'm going through right now so if you're thinking about going to Liberty mutual save yourself the time in the hassle and do not go it's just a waste of your time in just a stress especially if you're single and you're just trying to do your best to live life Liberty mutual is just not for the people false advertisement.

They don't even deserve one star! A few years ago, my wife and I discovered mold growing under our stairway storage closet. We called Liberty Mutual to come an assess the situation. They sent someone over and they told us that they would not cover any costs because the mold was there for more than 14 days. This is totally ridiculous as who checks every nook and cranny of their entire house for damages every week! No one does this. Liberty Mutual collected our premiums for 20+ years with no problem, but when we needed them to cover the damage to our house, they turned their backs on us and refused to pay out. What good is an insurance company for, if they won't cover your damages in your most desperate time of need? This company is basically comprised of crooks who take your premiums month after month but have no intention of coming to your rescue when you need them. Shame on you Liberty Mutual! I expected you to be there for my family but you turned your backs on us! I am wary of all insurance companies at this point. You can bet I'll spread the word out on your company and try to save other people from giving you their business. You don't deserve people's business PERIOD! You take people's premiums with no intentions of insuring them when they need you! Believe me, stay far away from this company! You will regret your decision to go with them.

I find it frustrating to have a company bill me extra to pay an account that I pay yearly in 1 payment. They want to force everyone to have auto-payment, which is something I chose not to allow. They were charging $8 to pay by check. That $8.00 cost them this account which did benefit me as I shopped the insurance and found the same coverage $400.00 cheaper. Guess I should thank them.

If you pay Liberty Mutual money each month in good faith, and think you will be helped in case of loss; THINK AGAIN. Your piece of mind and false sense of security is badly misplaced. You may get absolutely nothing. From this awful company which has awful ratings on some sites. Based on my experience these are the true sites. Some sites can serve as puppets to combat the bad publicity of the true sites. A former cop who made the TV News for getting rough with a female, broke and entered and while I was away cleaned out the whole house, stole thousands of items of value. Antiques, art, electronics, furniture, + collections of value which took 45 years and much travelling, expense and time to build. Literally 1000's of items. No one knew he was in there illegally. He hired a near yard long tractor tailor semi, and hauled my wordily possessions away. As a customer in good faith for over 10 years, paying money to them; FOR NOTHING. What they did for me was NOTHING. When something happens and you need their help; NOTHING. ZERO... ZILCH. This was my 1st insurance claim ever in my entire life. The 1st time I ever dealt with any insurance company. Their employees must be getting incentives to avoid paying on cases. Maybe they get a bonus. Here are some of the tactics that Liberty Mutual uses.
1. They ask for you to provide impossible ridiculous unreasonable things, and then base your whole claim on you providing the impossible. Even if you have literally hundreds of pictures. Hundreds! They are determined NOT TO PAY.

2. They say they'll get back to you the same say or next; and it's like a wild goose chase instead. No one to help. No one to talk too. Eventually like months later, someone finally emailed me back on something. Just try to get in touch with someone through their automated system, once you are already a customer. Like Mission Impossible.

3. Agents who knows every trick and game in the book and try everything in their power to screw you out of your money, any way they can think of. Anything that will make it hard for you. Their goal is for you to just not be able to take it anymore; to give up, so they won't have to pay your claim.

So if you choose Liberty you might think everything in your house is safe and covered; but IT IS NOT, based on my experience. You effectively really have no coverage at all. If something happens to your stuff; it's gone and that's it. No money from them, based on my experience. They try to weasel out of paying you any way they can. Make no mistake about it. You then have to file a complaint with the state or sue them in court for breach of contract. And who knows what happens then. That's what I will see for myself next. They are one slick company and they have an awful record and customer satisfaction on the right sites, the ones that are right and not their puppets. Choose anyone but them. I am in my 60s and it's going on 2 years and not a cent from them unless I successfully am able to get the state to step in or if I can successfully sue them. They are the WORST of the worst. Don't even think of Liberty Mutual Insurance. I payed them all that money for so many years like a Fool. FOR ABSOLUTELY NOTHING. NOT A CENT.

State Farm raised my insurance by $26 a year yet my driving record is clean, I have no violations and on top of that my car is getting older.

I thought I'd shop around and online I got two different quotes for the same policy with Liberty mutual being $23 or $28 a month. Today I decided to call Liberty Mutual and spoke to Justin and then later Marie.

I had hopes that this will be a great price considering all these discounts they were going to give me. Bottom line they ended up being """$152 more""" than State Farm. Marie told me, 'Well our online quotes are different to our customer service quotes.' Am I missing the point here isn't this the same company whether you do it online or over the phone?

As for the price I was totally disgusted.

Imagine having your financed vehicle insurance or at least you thought so, to find out they dropped you because you filed a claim in 2020 on a different vehicle then you currently have insured with them, when you accidentally backed into a concrete pole that was in my blind spot, admitted to the accident no one was hurt just the rear panels on the drivers side of my new car at the time and you don't even own the vehicle anymore and it two years after that fact and to top it off you've been with the company for 15 plus years and recently moved your homeowners insurance to them to find out after filing one claim in almost 15 years to be dropped because of a claim I filed to have my brand new car repaired. I thought that's what insurance was for! NOT VERY TRUSTWORTHLY LIKE THEY CLAIM I will not recommend them to anyone I know or if I am asked about them, they've lost my business.

I do not think you could find a worse insurance for appliance repairs if you tried.
Expensive, poor customer service, and forever trying to weasel out of paying for repairs or replacing the broken appliance. And if you have "high-end" appliances like Bosch, forget it; they will not cover "high end appliances" or they will insist you pay extra $$ to have them serviced. Save yourself a whole lot of headaches and don't make the mistake of choosing this company - as we did, unfortunately!

Worst insurance claim representative ever. They sent out a so call a/c furnace inspector. And he only came out for about 8 minutes and took pictures. No meter no power Probe. House got hit by lightning insurance paid for everything inside my house but the a/c and furnace. Clearly documented with pictures and contractors that it was in working order until it got hit by lightning. Unprofessional inspector unprofessional claim representative. This insurance company is a joke!

We have been fighting with Liberty Mutual to pay our claim and not having any luck. Do not buy their insurance. They are horrible to deal with

When I started the policy I was told if I added homeowners insurance I would get a better quote. They said my 1974 manufactured home was not possible to insure but I could get the same rate by taking the renters policy even though I own my home. I signed up and everything was good until renewal. Without notice to me they took off the discount because the renters policy didn't quality for the discount. They automatically debited an additional 100.00 a month on top of the premium I was paying. Tried to resolve, terrible customer service. I cancelled and now they have withdraw another 368.00 leaving me overdrawn
Disputing, filing complaint.

Asked for a quotation on auto insurance and refused their safe driving big brother app., I made it very well known there is way too much looking at my personal business in today`s world. It was not a matter of poor driving as I drove many miles for a utility in all sorts of inclement weather and have not had a ticket in over 35 years. The agent agreed on the spy app. I paid for a year of insurance as I do not care to be bothered with 6 mos. Renewals. Bottom line 1 month after paying in full I am being billed for over $70 for denying their safe driving app. Tried to call the agent, texted, and left voice mail and was totally ignored. Mailbox is full and does not respond. Finally I spoke to a clerk and she said everyone is calling with the same complaint and I asked her my agent? Oh no, all of them do the same and people are angry. Wrote to the BBB and the customer rating for Liberty Mutual is 1.11 out of 5-you can`t get much lower than that and a decent sample size of 722 customers. I turned in a complaint and the home office wanted me to write which I did and there was no response. Certainly a company to avoid. Plain unethical.