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MC2469_LMG_Homeowners_IP-052310, home, protect, protection, asset, covered, coverage, loss, property, garage, tool shed

Your home is your largest asset.
Protect it!

Protect your home and other structures on your property, like a garage or tool shed. You can be covered against loss from many things, including, but not limited to:

  • Smoke, fire or lightning
  • Windstorm, hail or weight of ice, snow or sleet
  • Theft or vandalism
  • Falling objects

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  • Freezing of a plumbing, heating, air conditioning or automatic fire-sprinkler system, or of a household appliance

Get an easy, no obligation quote. Simply fill in the blanks in the box at the left and hit "GO".

Feel right at home with these additional coverages*:

  • Liability
    If someone is accidentally injured or has property damaged while on your premises, Liberty Mutual will defend any claims against you and pay those claims up to your policy limits.  They'll also pay for reasonable and necessary medical expenses up to the limit you purchased, regardless of who was at fault.
  • Additional Living Expenses
    If your home is unlivable due to a covered loss, Liberty Mutual will cover the additional necessary expenses you incur, up to the limits stated in your policy, to live elsewhere, enabling your family to maintain its normal standard of living.
  • Personal Possessions
    If your personal possessions -- including furniture, clothing and appliances -- are damaged or lost as a result of a covered loss, Liberty Mutual will arrange for them to be repaired or replaced.  Policy limits, terms, and conditions apply.
  • Extra Coverage for Valuables
    If you own certain high-value items, such as jewelry, art or camera equipment, you should consider adding this coverage.

Get extra benefits, too:

  • 24-Hour Emergency Repairs
    If you have a covered loss and your property needs to be protected from further damage, Liberty Mutual can dispatch someone to your home to take care of the situation.  This service is available 24 hours a day, 7 days a week.
  • Personal Property Replacement
    If your personal possessions are ever damaged or destroyed, Liberty Mutual's Personal Property Replacement Service will help locate the exact items you lost -- or the closest match.  And they'll ship them to you quickly.

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Get the home insurance discounts* you deserve.

As a credit union member, you could save on our already competitive rates. You can take advantage of multiple discounts* including:

  • Protective Devices
    You'll receive a discount if you install smoke alarms, deadbolts, fire extinguishers, fire alarms, burglar alarms, or sprinklers.
  • New Customer Safe Homeowner
    You'll receive a discount if you maintain a loss-free record for three years.*
  • Newly Purchased Home
    You'll receive a discount if your home purchase closes within 60 days of the policy effective date.
  • New/Renovated Home
    You'll receive a discount if your home is less than 13 years old or was recently renovated.
  • Multi-Policy Savings
    You'll receive a discount when you insure both your home and car with Liberty Mutual.

Discover service you can depend on.

Got a claim? The 24-hour-a-day claims service takes care of it. Immediately. There's also:

  • CNRP -- Contractor Network Referral Program
    Your Claim Handler can provide you with information on approved competent, reliable contractors to perform building repairs related to an insured loss. You are under no obligation to use the services of the CNRP contractor. However, if you do, Liberty Mutual will guarantee the workmanship performed by the CNRP for one year. Subject to policy provisions, the only cost to you will be your deductible and any non-recoverable depreciation. May not be available in all locations.
  • 24-Hour Homeowner Emergency Repair Service
    Damage to your home requires a quick response to prevent further damage and get you the repairs you need. As a Liberty Mutual customer, you'll have access to our emergency services 24 hours a day, 365 days a year. Applies to a covered loss, not available in all states.
  • Personal Property Replacement Service
    Your property means a lot to you. And if your covered items are damaged or destroyed, you deserve to have them replaced with an exact or near match. We can typically locate and ship replacement items to you quickly. Subject to applicable deductible.
  • Temporary Living Expense
    If your home is unsafe or damage is so extensive that you cannot live there, your Claim Handler can assist you in locating temporary housing and advise you on your policy coverage for additional living expenses.  Your Claim Handler can also offer you an advance against the total settlement amount of your claim for clothing or other immediate necessities.

Put a trusted program to work for you.

This trusted program is provided by Liberty Mutual Insurance Company. Their commitment to service has helped earn them an “A” (Excellent) A.M. Best rating.

Call toll-free 1-800-813-0827 to talk with a licensed Liberty Mutual insurance representative.