This coverage pays to rebuild the home and its attached structures
What is Coverage A or Dwelling limit?
100
This coverage provides expanded dwelling coverage, personal property REPLACEMENT, and actual loss of use sustained, plus more
What is HPP or Home Protector Plus?
100
You may qualify for special savings if your home was recently built or substantially renovated including the Plumbing, Heating/Cooling, Roofing, and Electrical service.
What is New/Renovated Home Credit?
100
If you own certain high-value items, such as jewelry, guns, art or camera equipment, you should consider adding this coverage.
What is Scheduled Property?
100
We’ll find a qualified contractor for you to inspect and finish repair on a covered loss, and you’ll enjoy quick, dependable service that is guaranteed for three years.
What is Innovation Property Network or IPN?
200
This provides coverage for a claim or suit brought against an insured for damages such as bodily injury or loss to property. Coverage includes damages for which the insured is liable (up to limit) and providing a defense or negotiating settlement
What is Coverage E or liability?
200
This protects the insured against damage due to water backing up from sewers, drains, or sump pump over flow
What is Water Back Up?
200
Save on your home insurance when you request a quote before your current policy's start date or expiration with another carrier.
What is Early Shopper Discount?
200
Provides coverage for structures such as a garage, barns, sheds, etc.
What is Coverage B – Other Structures?
200
This provides the most up-to-date estimates to rebuild your home. By evaluating your home and insuring it correctly, you can rest assured that your asset is well protected in the event of a loss.
What is Home Replacement Cost Calculator?
300
This coverage provides medical expenses for bodily injury to other parties incurred on the insured premises.
What is Coverage F Medical Payments?
300
When there is damage to a common area shared by all residence, the condo or community association will assess each property owner an assessment fee to pay for the damages. This coverage will protect you.
What is Loss Assessment?
300
If policyholder does not carry previous losses on their home policy, a credit may be applied to their base premium.
What is Claims Free Discount?
300
Automatically increases the dwelling limit each year to keep pace with current costs of materials and labor
What is Inflation Protection?
300
Offers a free no obligation consultative review of your insurance. Recommends coverages and ensures that you are properly protected.
What is YOU, our local sales and service teams?
400
This coverages would pay for damage or losses to your couch, TV, clothing, and and other articles within the home.
What is Coverage C or personal property?
400
We’ll pay up to $30,000 per policy period, $15,000 per occurrence for recovery expenses, such as lost wages or attorney fees. Personal counselor will be available to guide you through the recovery process.
What is Identity Fraud?
400
If you elect to have EFT, Paid in Full, or Payroll dedcuction as your billing method you will recieve this discount.
What is Preferred Billing Discount?
400
A discount that a policyholder can receive when there is more than one line of business with Liberty Mutual Insurance.
What is Multi-Policy Discount?
400
Liberty will send someone to protect your home from further damage such as boarding up windows for security or covering damaged roofs to protect from further damage.
What is 24-Hour Emergency Repair & Claim Assistance?
500
If your home is deemed unliveable this coverage would reimburse you for additional living expenses incurred.
What is coverage D or loss of use?
500
This will cover up to $5000 for computers, laptops, Blackberrys, iPhones, and iPads with only a $50 deductible and ALL perils coverage.
What is Home Computer Endorsement?
500
If your home is equipped with smoke alarms, deadbolts, fire extinguishers, fire alarms, burglar alarms or sprinklers you can be eligible for this discount.
What are Protective Devices?
500
Special savings for employees and members of select employers, alumni associations, and professional associations.
What is Affinity Partnership?
500
Drawing from a database of more than 400,000 items, Liberty Mutual can help policyholders locate exact items they lost, or the closest match.