Insurer profile · Liberty Mutual · NAIC + CMS

Liberty Mutual Homeowners

Liberty Mutual Homeowners's complaint record, claim-denial rate and reputation grade, drawn from published NAIC complaint data and CMS Transparency in Coverage.

D
Reputation grade
1.43
Complaint index
50
States active

The verdict

Liberty Mutual Homeowners earns a D reputation grade - a worse-than-average record versus peers, according to the NAIC's published complaint index, its ratio runs 1.43, above the 1.0 market average.

D
reputation grade
1.43
NAIC complaint index
DDD
Reputation grade D (composite score 42.8) - A=Excellent, F=Failing. Based on NAIC complaint ratios and CMS denial data.

Graded on 1 of 3 measures: NAIC complaints. The score is rescaled across the measures available, so it is not directly comparable with a carrier graded on more of them.

How we calculated this grade →

NAIC CIS filing desk

NAIC 23043 D · 42.8

GRADE-D · INDEX-ELEV · DENIAL-NONE · RANK-LOWER · PHOTO-FINISH · LINES-1 · BOOK-RICH

  • GRADE-D D · 42.8
  • INDEX-ELEV 1.43
  • DENIAL-NONE No CMS file
  • RANK-LOWER #48/72
  • PHOTO-FINISH CareFirst BCBS · D
  • LINES-1 1 line
  • BOOK-RICH 6/7 fields

Nearest complaint-index peer: CareFirst BCBS (±0.00 index pts)

Instrument codes from this carrier’s NAIC Consumer Information Source filing: grade band, complaint index, CMS denial band, corpus rank, photo-finish peer, line book, and field completeness. Not an official NAIC rating.

Complaint-index neighbourhood around Liberty Mutual Homeowners

Quietest and hottest poles plus nearest index peers, not a full NAIC corpus board reprint.

Liberty Mutual Homeowners - complaint index neighbourhood

complaint index

What this shows According to PlainInsurer's dataset, Liberty Mutual Homeowners has a lower (better) NAIC complaint index than 31% of the 72 rated insurers it tracks and ranks #11 of 17 carriers by complaint ratio in Home Insurance.

Source NAIC published complaint index (2024) As of 2026

Where Liberty Mutual Homeowners sits on complaints

complaint index

What this shows Liberty Mutual Homeowners's complaint index of 1.43 is 43% above the 1.0 market average for a carrier of its size.

Source NAIC published complaint index (2024) As of 2024

Liberty Mutual Homeowners vs. the full rated-insurer dataset

143% 31st percentile more affordable than 31% of 72 rated insurers

Liberty Mutual Homeowners 0% 425% all rated insurers, bucketed by value

Each bar is a band; taller bars hold more rated insurers. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source NAIC published complaint index (2024) · 2024

Scale vs. complaint-adjusted score

NAIC complaint counts with PlainInsurer composite scores (multi-vintage: NAIC MCAS + CMS TiC/MA when present), 72 rated insurers 2×2 strategic matrix plotting 30 entities by Total complaints → (X) and Composite score (higher = more friction) → (Y), with a crosshair dividing the plot into four quadrants. Large, high frictionSmall, high frictionLarge, low frictionSmall, low friction 02,0004,0006,0008,000 60708090100 Total complaints → Composite score (higher = more friction) →
NAIC complaint counts with PlainInsurer composite scores (multi-vintage: NAIC MCAS + CMS TiC/MA when present), 72 rated insurers

Complaint record by line of business

Line Est. complaints Complaint index States active
Home Insurance ~8,784 1.43 50

Home insurance market share

National ranking by direct written premiums, NAIC 2024

#4
Market share
6.13%
Direct written premiums
$10,610.1M
See the full market-share ranking →

What the NAIC filing desk shows for Liberty Mutual Homeowners

According to PlainInsurer's dataset, Liberty Mutual Homeowners has a lower (better) NAIC complaint index than 31% of the 72 rated insurers it tracks and ranks #11 of 17 carriers by complaint ratio in Home Insurance.

Liberty Mutual Homeowners is outside the CMS marketplace file, but the claim-denial rate ranking shows what that data reports for the carriers it does cover. How complaint indexes place Liberty Mutual Homeowners.

Nationwide insurers with similar scores or complaint volume

Two corpus-wide peer sets for Liberty Mutual Homeowners: nearest national-scale carriers by composite score and by NAIC complaint volume. These are cross-market neighborhoods, not the corporate-family list or same-grade chips above.

Similar composite score

Nearest carriers by composite score (42.8 here). Floored at 50+ complaints and 5+ states.

GEICO 42.8 Centene Corporation (WellCare) 44.4 Oscar Health 40.3 Allstate Property 46.4

Similar complaint volume

Nearest carriers by NAIC complaint count (8,784 here). Deduped against the score peers so the two sets stay distinct.

Direct General (Allstate) 8,176 complaints Aetna (CVS Health) 8,053 complaints Farmers Insurance 8,049 complaints Farmers Property 7,832 complaints
Aggregates only, not advice. Full terms on the disclaimer.

Liberty Mutual Homeowners is part of the Liberty Mutual family, alongside Liberty Mutual in PlainInsurer's dataset -- a shared parent doesn't mean shared performance, so check each subsidiary's own record before assuming they behave alike.

Questions about Liberty Mutual Homeowners

What does Liberty Mutual Homeowners's grade mean?
Liberty Mutual Homeowners received a grade of D, indicating a worse-than-average record versus peers.
How many complaints does Liberty Mutual Homeowners have?
PlainInsurer estimates Liberty Mutual Homeowners's complaint volume at roughly 8,784 across 50 states, derived from its published NAIC complaint index and market footprint (NAIC does not release exact per-company complaint counts via public bulk data).
How do I file a complaint against Liberty Mutual Homeowners?
File against Liberty Mutual Homeowners through your state's Department of Insurance or the NAIC consumer portal at naic.org.
Is Liberty Mutual Homeowners a good insurance company?
PlainInsurer's D grade for Liberty Mutual Homeowners reflects a worse-than-average record versus peers relative to peers on published complaint and denial data.
What types of insurance does Liberty Mutual Homeowners offer?
Based on NAIC filing data, Liberty Mutual Homeowners reports activity in 1 line of business: Home Insurance. Availability varies by state.

Verify Liberty Mutual Homeowners

Liberty Mutual Homeowners is filed with the NAIC under company number 23043. Search that number directly in the NAIC's own public consumer-information tool to cross-check this page against the primary source.

Verify on NAIC Consumer Information Source

Source: NAIC published complaint index data Complaint index, reputation grade for Liberty Mutual Homeowners · 2024

Share, download, and related pages for Liberty Mutual Homeowners

Download the data behind this page

The full PlainInsurer extract, covering every insurer including Liberty Mutual Homeowners, is available as CSV and JSON. Underlying federal data is public domain; see our methodology for the compilation and grading method.

Complaint-index dataset Download CSV Download JSON Read the data documentation
Embed this widget

Paste to embed a live-linked card.

Data: NAIC published complaint index (2024). Not affiliated with NAIC or CMS.

Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.