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LIBERTY MUTUAL CUSTOMER DISCLAIMER
AUTO
12-Month Rate Guarantee: 12-month policies may be standard in several states.
Your rate is guaranteed for one full year from your effective date. Rate
guarantee may not apply if there are customer-initiated changes that impact
policy premium.
24-Hour Roadside Assistance: Coverage is provided on the optional Towing & Labor
Coverage endorsement. May vary by state. Applies to mechanical breakdowns and
disablements only, and may be subject to limits. Real time tracking may not be
available with all roadside assistance service providers.
Accident Forgiveness: ACCIDENT FORGIVENESS NOT AVAILABLE IN CA. Terms and
conditions apply.
Accident Prevention Course Discount: Discounts and savings are available where
state laws and regulations allow, and may vary by state. Certain discounts apply
to specific coverages only. To the extent permitted by law, applicants are
individually underwritten; not all applicants may qualify.
Alternative Energy Discount: Discounts and savings are available where state
laws and regulations allow, and may vary by state. Certain discounts apply to
specific coverages only. To the extent permitted by law, applicants are
individually underwritten; not all applicants may qualify.
Better Car Replacement™: Optional coverage in some states; availability varies
by state. Eligibility rules apply.
Car Seat Replacement: Applies to Child Restraint Systems (CRS), any device
designed for use in a motor vehicle to restrain, seat, or position children,
including car seats, booster seats, or factory-installed built-in child
restraints. Must have a covered collision or comprehensive loss. A deductible
may apply, coverage not available in all states. Additional rules apply. Speak
to a Liberty Mutual claims representative for more details. CA requires seats to
be in use to be replaced, regardless of extent of damage. Specific NHTSA
guidelines may apply per state.
Car Windshield Repairs: Deductible may apply.
Full Glass Coverage: Comprehensive and Collision coverage required; eligibility
rules and conditions apply. Not available in all states.
Genuine Replacement Parts: Genuine OEM Replacement Parts available, except where
prohibited by state law.
Good Student Discount: Discounts and savings are available where state laws and
regulations allow, and may vary by state. To the extent permitted by law,
applicants are individually underwritten; not all applicants may qualify.
Guaranteed Repair Network: Guaranteed Repair Network not available in Rhode
Island or Massachusetts. In these states, we offer you our Superior Service
Program (SSP), which is similar to the Guaranteed Repair Network. However, the
estimate will be completed by a Liberty Mutual appraiser. For more information,
speak to your Liberty Mutual Claims Representative.
HighwayHero: Discounts and savings are available where state laws and
regulations allow, and may vary by state. Certain discounts apply to specific
coverages only. To the extent permitted by law, applicants are individually
underwritten; not all applicants may qualify.
Homeowner Discount: Discounts and savings are available where state laws and
regulations allow, and may vary by state. Certain discounts apply to specific
coverages only. To the extent permitted by law, applicants are individually
underwritten; not all applicants may qualify.
Liberty Mutual ByMile™: Coverage not available in all states.
Liberty Mutual Claims Valet Service™: Claims Valet Service™ is available if your
policy contains rental car reimbursement and you have a covered loss. Other
restrictions and eligibility rules apply; coverage availability varies by state.
Liberty Mutual Deductible Fund®: Optional feature. Applicable to collision
coverage only. Subject to terms and conditions. Availability varies by state.
Liberty Mutual Express Estimate™: Express Estimate™ is for minor to moderate
damages and is not available in all states. Other eligibility rules apply.
Contact your Liberty Mutual Claims Representative for details.
Lifetime Repair Guarantee: The property damage must be covered by your policy
and repairs completed by a Guaranteed Repair Network Vendor. Guaranteed Repair
Network not available in Rhode Island or Massachusetts. In these states, we
offer you our Superior Service Program (SSP), which is similar to the Guaranteed
Repair Network. However, the estimate is completed by a Liberty Mutual
appraiser. For more information, speak with your Liberty Mutual Claims
Representative.
Military Discount: Discounts and savings are available where state laws and
regulations allow, and may vary by state. Certain discounts apply to specific
coverages only. To the extent permitted by law, applicants are individually
underwritten; not all applicants may qualify.
Multi-Car Discount: Discounts and savings are available where state laws and
regulations allow, and may vary by state. Certain discounts apply to specific
coverages only. To the extent permitted by law, applicants are individually
underwritten; not all applicants may qualify.
New Car Replacement™: Optional coverage in some states; availability varies by
state. Eligibility rules apply.
New Move Discount: Discounts and savings are available where state laws and
regulations allow, and may vary by state. Certain discounts apply to specific
coverages only. To the extent permitted by law, applicants are individually
underwritten; not all applicants may qualify.
New Teen Driver Discount: Discounts and savings are available where state laws
and regulations allow, and may vary by state. Certain discounts apply to
specific coverages only. To the extent permitted by law, applicants are
individually underwritten; not all applicants may qualify.
New to Liberty Mutual Insurance Vehicle Discount: Not available in NY.
New Vehicle Replacement: Optional endorsement. Applies to a covered total loss.
Your car must be less than one year old, have fewer than 15,000 miles, and have
had no previous owner. Does not apply to leased vehicles or motorcycles. Subject
to applicable deductible. Availability may vary by state.
OEM New Replacement Parts: Optional coverage provided on the Original Parts
Replacement endorsement. Comprehensive and Collision coverage required.
Eligibility rules and restrictions apply. May vary by state.
Paperless Discount: Discounts and savings are available where state laws and
regulations allow, and may vary by state. Certain discounts apply to specific
coverages only. To the extent permitted by law, applicants are individually
underwritten; not all applicants may qualify.
Payroll Deduction: Affinity employer groups of 100+ members only.
Payroll Deduction Discount: Affinity employer groups of 100+ members only.
Discount filed and approved and varies by state.
Preferred Payment Discount: Discounts and savings are available where state laws
and regulations allow, and may vary by state. Certain discounts apply to
specific coverages only. To the extent permitted by law, applicants are
individually underwritten; not all applicants may qualify.
Rental Car Reimbursement: Coverage is provided on the optional Transportation
Expenses Coverage endorsement. Elected rental car coverage daily limits will
apply. Damage must be a covered loss. May vary by state.
RightTrack® Program: The RightTrack® discount applies only to the base coverages
on the participating vehicle, which may include Bodily Injury, Property Damage,
Comprehensive, Collision, Personal Injury Protection (PIP) or Medical Payments,
Uninsured Motorist, and Underinsured Motorist (subject to state availability),
and excludes fixed expenses (where applicable). Initial discount may vary by
state and is replaced with a final discount upon completion of a review period.
Not available in all states.
Student-Away-At-School Discount: Discounts and savings are available where state
laws and regulations allow, and may vary by state. To the extent permitted by
law, applicants are individually underwritten; not all applicants may qualify.
Superior Service Program (SSP): Professional vehicle repair, with a limited
lifetime warranty, available in Massachusetts and Rhode Island.
TechSafety™ Discount: Discounts and savings are available where state laws and
regulations allow, and may vary by state. Certain discounts apply to specific
coverages only. To the extent permitted by law, applicants are individually
underwritten; not all applicants may qualify.
Teen Driving Program Discount: Discounts and savings are available where state
laws and regulations allow, and may vary by state. To the extent permitted by
law, applicants are individually underwritten; not all applicants may qualify.
Violation-Free Discount: Discounts and savings are available where state laws
and regulations allow, and may vary by state. Certain discounts apply to
specific coverages only. To the extent permitted by law, applicants are
individually underwritten; not all applicants may qualify.
PROPERTY
Additional Living Expenses: Stated policy limits apply. Not available in all
states.
Blanket Jewelry Coverage: Optional additional coverage that covers jewelry only.
One option per policy. Exclusions may apply.
Burglar Alarm Discount: Discounts and savings are available where state laws and
regulations allow, and may vary by state. To the extent permitted by law,
applicants are individually underwritten; not all applicants may qualify.
Catastrophe Rapid Response Unit: Not available in all areas.
Claims-Free Discount: Subject to eligibility requirements, and may vary by
state. In some states, weather-related claims are not considered qualified
claims in determining eligibility for this discount.
Computer and Smartphone Coverage: Optional coverage provides additional
protection for owned or leased items such as computers, peripheral devices,
software, and media, including smartphones and iPads. Items such as “smart”
appliances, with computer chips or the like, are not covered. Other restrictions
apply. Borrowed items not covered. Deductible will apply. Availability may vary
by state.
Credit Card, Fund Transfer Card, Forgery, and Counterfeit Money: Exclusions
apply.
Home Protector Plus™: Optional coverage. Subject to applicable deductible, and
policy terms and conditions. Not available in all states.
Insured to Value: Discounts and savings are available where state laws and
regulations allow, and may vary by state. Certain discounts apply to specific
coverages only. To the extent permitted by law, applicants are individually
underwritten; not all applicants may qualify.
Liberty Mutual RealTime Review™: Not all claims are eligible for RealTime
Review™. Not all claims are eligible to receive their payment in one day. Other
eligibility requirements apply.
Loss Assessment Coverage: Optional coverage. Applies to a covered loss. Subject
to applicable deductible and limits.
Loss Forgiveness: Subject to eligibility requirements. Benefits and eligibility
requirements may vary by state.
Loss of Use: Limitations apply.
New Roof Discount: Discounts and savings are available where state laws and
regulations allow, and may vary by state. Certain discounts apply to specific
coverages only. To the extent permitted by law, applicants are individually
underwritten; not all applicants may qualify.
New/Renovated Home Discount: Discounts and savings are available where state
laws and regulations allow, and may vary by state. Certain discounts apply to
specific coverages only. To the extent permitted by law, applicants are
individually underwritten; not all applicants may qualify.
Personal Property Replacement Cost Coverage: Optional coverage. Subject to a
deductible. May vary by state.
Preferred Contractor Network: Availability of Preferred Contractor Network may
vary by state.
Protective Devices Discount: Discounts and savings are available where state
laws and regulations allow, and may vary by state. Certain discounts apply to
specific coverages only. To the extent permitted by law, applicants are
individually underwritten; not all applicants may qualify.
Recent Home Buyer Discount: Discounts and savings are available where state laws
and regulations allow, and may vary by state. Certain discounts apply to
specific coverages only. To the extent permitted by law, applicants are
individually underwritten; not all applicants may qualify.
Safe Homeowner Program: Discount will vary by customer and is subject to a
policy deductible. Not available in Texas.
Scheduled Personal Property: Optional additional coverage. Subject to
limitations.
Seasonal/ Secondary Residence Discount: Discounts and savings are available
where state laws and regulations allow, and may vary by state. Certain discounts
apply to specific coverages only. To the extent permitted by law, applicants are
individually underwritten; not all applicants may qualify.
Secured Gated Community: Discounts and savings are available where state laws
and regulations allow, and may vary by state. Certain discounts apply to
specific coverages only. To the extent permitted by law, applicants are
individually underwritten; not all applicants may qualify.
Smart Home Discount: This program, including the discounts, savings, and
benefits, is not available to the residents of AZ, CA, FL, GA, IN, MD, MI, MT,
ND, NJ, NY, SD, TN or WY, and may vary by state. Certain discounts apply to
specific coverages only. To the extent permitted by law, applicants are
individually underwritten; not all applicants may qualify.
Water Backup & Sump Pump Overflow Coverage: Optional coverage. Not available in
all states; may vary by state.
AUTO & PROPERTY
Early Shopper Discount: Discounts and savings are available where state laws and
regulations allow, and may vary by state. Certain discounts apply to specific
coverages only. To the extent permitted by law, applicants are individually
underwritten; not all applicants may qualify.
Multi-Policy Discount: Discounts and savings are available where state laws and
regulations allow, and may vary by state. Certain discounts apply to specific
coverages only. To the extent permitted by law, applicants are individually
underwritten; not all applicants may qualify.
SPECIALTY INSURANCE
Accident Insurance: Liberty Insurance Underwriters Inc., a Liberty Mutual
Company, issues Accident Insurance on policy form IA-2018024 and state
variations identified by state code. Accident Insurance provides benefits if a
covered injury is sustained in a covered accident, and it is not a substitute
for major medical insurance. Product design and availability vary by state.
Features and benefits may vary based on state approval. The policy form contains
definitions of each of the injuries covered by the policy and the periods during
which the injury must be diagnosed. This is a limited policy. Payment of
benefits is in the form of a cash payment. Payment is based upon sustaining a
covered injury in a covered accident and is subject to policy terms and
conditions, and exclusions, including exclusions for sickness and disease, and
for injuries sustained during certain specific activities. Home office: 175
Berkeley Street, Boston, MA 02116.
Critical Illness Insurance: Liberty Insurance Underwriters Inc., a Liberty
Mutual Company, issues Critical Illness Insurance on policy form LIUI ICI P001
and state variations identified by state code. Critical Illness Insurance for
qualifying diagnoses, accidents, and/or events is not a substitute for major
medical insurance. Payment of benefits is subject to pre-existing conditions,
benefit waiting periods, and all policy terms and conditions. Product design and
availability vary by state, and Critical Illness Insurance is not available in
all states. Features and benefits may vary based on state approval. This policy
provides limited benefits and is subject to lifetime and other maximum benefit
limitations, and to a reduction in benefit amounts and/or termination on and
after certain ages. Home office: 175 Berkeley Street, Boston, MA 02116.
Life Insurance: Life and annuity distributed through Helmsman Insurance Agency
LLC Boston, MA 02116
Motorcycle Insurance: Availability varies by state; qualifications and
conditions apply.
Pet Insurance (Hartville): Pre-existing conditions are not covered. Waiting
periods, annual deductible, co-insurance, benefit limits, and exclusions may
apply. For all terms and conditions, visit www.hartvillepetinsurance.com/terms.
Preventive and Wellness Care reimbursements are based on a schedule. Complete
CoverageTM reimbursements are based on the invoice. Levels 1-4 reimbursements
are based on usual and customary eligible costs. Products, rates, and discounts
may vary and are subject to change. Products are underwritten by United States
Fire Insurance Company, produced and administered by C&F Insurance Agency, Inc.
(NPN # 3974227), a Crum & Forster company. C&F and Crum & Forster are registered
trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance
GroupTM is a trademark of United States Fire Insurance Company.
Pet Insurance (Liberty Mutual): Pre-existing conditions are not covered. Waiting
periods, deductibles, benefit limits and exclusions may apply. For additional
policy terms, limitations, and conditions, please visit pet.libertymutual.com.
Wellness coverage reimbursements are based on a schedule. Products, rates, and
discounts may vary by state and are subject to change. Products are underwritten
by Liberty Mutual Insurance Company and affiliates, 175 Berkeley Street, Boston,
MA 02116 and administered by C&F Insurance Agency, Inc. (NPN3974227), a Crum and
Forster company. C&F and Crum and Forster are registered trademarks of the
United States Fire Insurance Company.
RV Insurance: Availability varies by state; qualifications and conditions apply.
Umbrella Insurance: Rates vary. Applicants individually underwritten. Your home
or boat policy does not have to be with Liberty Mutual, but minimum liability
limits are required.
Watercraft Insurance: Availability varies by state; qualifications and
conditions apply.
ALL
Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S.
and other countries. App Store is a service mark of Apple Inc. Google Play and
the Google Play logo are trademarks of Google LLC.
MOBILE ID
Insurance ID cards are permitted in most states; however, some states do not
permit the use of Mobile Insurance ID cards as proof of insurance.
Liberty Mutual Insurance logo
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Liberty Mutual is an Equal Opportunity Employer and an Equal Housing Insurer.