Bundle policies: Many insurance companies offer discounts if you bundle your homeowners insurance with other policies, such as auto or life insurance.

This can help you find the best policy for your needs at the most competitive price. Shop around: Obtain quotes from multiple insurance companies to compare coverage, premiums, and deductibles.Paperless policy discount: Going digital can save you money on your insurance.New roof discount: Replacing your roof makes you eligible for this discount, which can also be applied to new homes.Preferred payment discount: Paying premiums through an automatic monthly transfer from your bank qualifies you for another discount.New/renovated home discount: New or newly renovated homes may qualify for savings.Insured to Value discount: Insuring your home at up to 100% of replacement cost rather than market value or selling price may make you eligible for a discount.Early shopper discount: Homeowners insured by another company may get a discount if they request a quote from Liberty Mutual before their current policy expires.Safe Homeowner Program: Policyholders who go three or more years without making a claim may be able to save on premiums.Newly purchased home: If you just bought a new home, you could qualify for lower rates.Claims-free discount: If you’ve gone without a homeowners claim for five years or more with another insurer, you may be eligible for a discount if you switch to Liberty Mutual.Multipolicy discount: Combining homeowners insurance with an auto policy can help you save money.Identity fraud expense coverage: This provides coverage for attorney fees, reimbursement for certain expenses, and coverage for other costs associated with fraud and identity theft.Water backup and sump pump overflow coverage: This helps cover water damage to your home and belongings in the event of a sewer or drain backup or sump pump failure, something that isn't covered by a standard policy.

You’ll also get a discount on your premium. Inflation protection: When you opt for this coverage, Liberty Mutual will automatically adjust your coverage limits when renewing your policy to keep pace with inflation.Coverage is worldwide and includes rental properties and defense costs, attorney fees, and other legal expenses associated with a lawsuit. An umbrella policy includes $1 million in coverage, with higher limits available, and covers those in your household. Umbrella coverage: This optional coverage adds liability protection beyond what is included in a standard Liberty Mutual auto or home policy.Blanket jewelry coverage: This coverage option simply replaces lost or stolen jewelry, with no deductible or need for an up-front appraisal.

Replacement cost for belongings: This coverage option will pay you the actual cash value of the items at the time of loss and then up to the full amount of the cost in the current market.

Optional coverage raises that limit to help cover the cost of valuables or collectibles.

Personal property coverage: Standard personal property protection with Liberty Mutual includes limited coverage.

Keep in mind that your state may require a separate deductible for this coverage.

Hurricane coverage: This coverage option is specifically designed to cover damages from a hurricane and not other destructive weather.

Earthquake coverage: Like other insurers, Liberty Mutual does not provide earthquake insurance as part of a standard policy.

The Federal Emergency Management Agency (FEMA) estimates that about 25% of all flood claims come from areas with low to moderate flood risk. Flood insurance may be a good idea regardless of where you live, but you can check your flood zone using the National Flood Insurance Program’s (NFIP) flood maps.

Flood insurance: Minor damage from a burst pipe or leak is typically covered under a standard homeowners policy, but additional coverage for flooding may be required if your home is located in a flood plain or near another potential flood source.

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