Dwelling
Dwelling coverage applies to the residence structure and attached parts such as an attached garage or deck after a covered peril. Set the limit to rebuild cost, not market value or the mortgage balance.
Coverage first, then a quote—not a guaranteed Liberty Mutual policy
Liberty Mutual home insurance quote
A Liberty Mutual home insurance quote is a request for a homeowners premium and coverage outline, not a bound policy. Liberty Mutual is a large property and casualty insurer that sells dwelling, personal property, liability, and related coverages in many states. Blake Insurance Group LLC is an independent insurance agency. A logo or brand name on this page is not an appointment list, an endorsement, or a promise that Liberty Mutual will offer a policy at your address.
Use the quote tool to start a homeowners application. The tool may return participating carriers for the property. If Liberty Mutual, Safeco, or another company is not returned, that result is the availability answer for that moment. Do not treat a marketing page as a rate, a discount, or a same-day bind.
The quote button opens a third-party quoting site (Bolt) using source BLAKEINSURANCEGROUP. That site is not Liberty Mutual, not Safeco, and not a state insurance department. Submitting information does not bind coverage, approve a mortgagee, or guarantee a Liberty Mutual offer.
Quick facts before you request a quote
Homeowners insurance is a package policy. The common personal form in the United States is built around dwelling, other structures, personal property, loss of use, personal liability, and medical payments to others. Liberty Mutual describes those same parts on its own coverage pages. Exact limits, deductibles, and endorsements still depend on the state, the form, and underwriting.
| Topic | What is usually true | What still varies |
|---|---|---|
| Who this page is for | People who want to understand homeowners coverage while shopping a quote that may include Liberty Mutual or other carriers. | Condo, renters, landlord, mobile-home, and farm forms are different products. |
| Liberty Mutual footprint | Independent reviews have described Liberty Mutual homeowners as available in most U.S. states. | Those same reviews have noted exceptions that include California and Alaska. Confirm the current state before assuming an offer. |
| Blake role | Blake Insurance Group LLC is an independent agency that can help eligible applicants compare personal-lines options where licensed. | Independence is not an appointment with every company named on a page. |
| Flood and earthquake | A standard homeowners policy generally does not cover flood and generally does not cover earthquake. | Separate flood or earthquake products may be available through other markets. |
| Quote versus bind | A quote is an estimate subject to inspection, underwriting, and mortgagee requirements. | Roof age, claims, occupancy, and rebuild cost can change or stop an offer after the first screen. |
What a Liberty Mutual-style homeowners policy usually covers
Liberty Mutual’s published homeowners materials describe coverage for the house, belongings, liability, and extra living costs after a covered loss. Those descriptions match the standard personal-lines package. They are not a substitute for the declarations page.
Other structures
Detached garages, sheds, fences, and similar structures usually sit in a separate limit, often a percentage of dwelling. A large workshop may need a higher limit than the default percentage.
Personal property
Furniture, clothing, and household goods are covered for named or open perils depending on the form. Settlement may be actual cash value unless replacement cost is selected. Jewelry, art, and collectibles often have special sublimits.
Loss of use
If a covered loss makes the home unlivable, additional living expense can help with temporary housing and extra costs above normal living expenses, subject to the policy limit and period.
Liability
Personal liability can help with legal defense and damages if a household member is legally responsible for bodily injury or property damage. Guest medical payments may apply even when fault is not decided.
Deductibles
A dollar deductible or a percentage wind-and-hail deductible may apply. A hurricane or named-storm deductible can be different from the all-other-perils deductible. Read both before comparing two quotes.
HO-3 forms commonly insure the dwelling on an open-peril basis and personal property on a named-peril basis. HO-5 forms often extend open-peril treatment to personal property. Availability of either form depends on the company and the property. Do not assume a Liberty Mutual quote is an HO-5.
Common gaps and optional endorsements
Liberty Mutual’s own education pages list flood, earthquake, sewer backup, and wear and tear among items a standard homeowners policy generally does not cover. Optional endorsements exist in some states and are not automatic.
- Water backup and sump-pump overflow
- Service-line coverage for buried utilities on the property side of the meter
- Equipment breakdown for certain home systems and appliances
- Ordinance or law coverage when rebuilt code upgrades raise repair cost
- Scheduled personal property for jewelry, cameras, or instruments above sublimits
- Personal umbrella liability above the homeowners liability limit
- Extended or guaranteed replacement cost on the dwelling, where offered
Flood is separate. Surface water, overflow of a watercourse, and many storm-surge losses belong on a flood policy, often through the National Flood Insurance Program or a participating private flood market. A homeowners quote does not replace that application.
Wind and hail may be included, excluded, or written with a percentage deductible. Coastal and hail-prone ZIP codes should read that section first. Wildfire, vacancy, short-term rental, and trampoline or dog-breed questions can also change underwriting even when the dwelling looks standard.
What changes a quote—without invented premiums
This page does not publish a Liberty Mutual average rate. Premiums are individual. The factors below commonly move a homeowners price or an underwriting decision.
Property and location
- Rebuild cost, square footage, and construction type
- Roof age, roof material, and prior damage
- Distance to fire protection and hydrant
- Wind, hail, hurricane, wildfire, and crime scores
- Claims history at the property and in the household
Coverage choices
- Dwelling limit versus actual rebuild cost
- Deductible size and wind/hail deductible type
- Replacement cost versus actual cash value on contents
- Liability limit and umbrella
- Endorsements added after the first quote screen
Multi-policy, protective-device, and new-home credits may exist when a carrier files them in that state. They are not guaranteed, and they are not a reason to underinsure the dwelling. A lower premium that leaves the rebuild limit short is not a savings.
How to request a usable homeowners quote
- Confirm the property is a primary home, second home, or rental. Use the matching form.
- Gather the year built, square footage, roof year, construction, heat type, and updates.
- Estimate rebuild cost, not Zillow market value.
- List prior claims, mortgagee name, and occupancy.
- Start the quote tool and complete every screen. Incomplete roofs and missing claims stall underwriting.
- Compare deductibles and endorsements on the same rebuild limit before picking a number.
- Call 888-387-3687 Monday through Friday, 9:00 a.m. to 5:00 p.m., if a mortgage close date or inspection question needs a licensed producer.
People searching for a Liberty Mutual home insurance quote near me still need the property ZIP code and the correct occupancy. This page does not create a local Liberty Mutual storefront or a Blake branch.
Related Blake Insurance Group guides
Liberty Mutual homeowners FAQs
Does this page bind a Liberty Mutual policy?
No. The quote tool is a starting request. Binding requires underwriting, payment terms, and any inspection or mortgagee requirements.
Is Blake Insurance Group a Liberty Mutual office?
No. Blake Insurance Group LLC is an independent agency. This page does not describe a staffed Liberty Mutual or Blake branch.
Will the quote tool always return Liberty Mutual?
No. Participating carriers vary by state, property, and underwriting. A missing Liberty Mutual result is not a site error by itself.
Does homeowners insurance cover flood?
Generally no. Ask about a separate flood policy if the property has flood exposure, a lender flood requirement, or both.
Does homeowners insurance cover earthquake?
Generally no. Earthquake coverage, where wanted, is usually a separate policy or endorsement when a market offers it.
Is Safeco the same as Liberty Mutual?
Safeco is a Liberty Mutual brand used in the independent-agency channel. A Safeco quote is not automatically the same product, deductible, or price as a Liberty Mutual direct quote.
Can I buy this coverage in every state?
No. Company filings and agency licenses both matter. Blake Insurance Group LLC is licensed in a listed set of states. Liberty Mutual homeowners filings have been described as unavailable in some states, including California and Alaska in independent 2026 reviews.
Review the coverage parts, then start the quote
Match dwelling limit to rebuild cost, read deductibles, and decide whether flood or other gaps need a second policy. Then open the quote tool or call 888-387-3687 Monday through Friday, 9:00 a.m. to 5:00 p.m.
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