We examine independent customer reviews from third-party sites including Trustpilot and the Better Business Bureau (BBB) as part of our comparison of Liberty Mutual and State Farm homeowners insurance.
Liberty Mutual customers highlight excellent customer service while frequently citing high premiums as a negative. State Farm customers appreciate the individualized attention from local agents; complaints tend to focus on inadequate repair estimates.
Liberty Mutual Reviews
“I have had Liberty Mutual for years and thankfully have not had to put in a claim, especially with the major winds and rainstorms that we have been getting here in NJ in the past few years, but I am very confident that in the event I would need to do so, I would have no issues.” —Allison via ConsumerAffairs
“I’ve also found them helpful and they lowered my policy a lot when I asked them for advice.” —Katherine P via BBB
“We had a car, house and umbrella policy with Liberty Mutual for five years. I started wondering what was up when I saw my daughter was paying ⅓ of what I was for auto insurance and her car is worth about four times what mine was. 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.” —Dianna R via BBB
“We sustained wind damage on our roof and immediately contacted Liberty Mutual on 03/20/2023. It took about a week to receive a text message from the company that an agent was assigned to our claim case. By then we had already hired a roofer to put a tarp to prevent further damage, and asked a few roofing companies to give ** their assessment. Those estimates range from $16,000 to $24,000, at a minimum. Liberty Mutual sent an adjuster for inspection after three weeks, but the agent only approved $1,600 for our claim based on the result … It has been two months and we still can’t get the roof repair started. We have been with Liberty Mutual for more than 10 years. The lack of service and customer support is a sign that we need to look for other insurance companies elsewhere.” —Austin O via BBB
State Farm Reviews
“Sara was my Insurance agent when I was in search of a new Insurance company. She was very professional, informative and helpful in helping me make the best decision on purchasing homeowners and auto insurance. She was very down to earth and a great pleasure to work with. I recommend State Farm Insurance for all of your insurance needs.” —Timothy A via BBB
“I can’t express how pleased l am with State Farm in Portland, TX. I have been a client of this specific office for about seven years and couldn’t ask for a more responsive and kind group of people than those there. Keisha is fantastic! My business has and will only continue. I started with one car, then went to two. Recently I added my home. State Farm is extremely responsive if there is a problem. Thank you again and always.” —Cynthia O via BBB
“They would like to patch our siding instead of replace. We have been customers for 20 years and only ever had one claim. The new siding looks new and the old siding is faded and stained. They refuse to listen or compromise at all. Every time I call they ask me to send them pictures, which I do. Then they say it doesn’t look so bad. My house is $600,000 plus and an investment, I don’t think a patch work is acceptable.” —Alexandra S via BBB
“No help whatsoever. No estimate. Misled through [the] whole process. Project from ****, kitchen remodel is half the kitchen I had. As a policyholder I was given half […] of the estimate and the vendors that did research were paid in full 100%. This project was in the middle of Covid and contractors were hard to find without spending three times the amount.” —Russell B via BBB
