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MARKETING DISCLAIMER


THE FOLLOWING DISCLAIMERS APPLY

Certainly Auto average 20% Savings Comparison: Savings validated by comparing
the average monthly premium for Liberty Mutual customers that purchased auto
insurance on libertymutual.com against policyholders who purchased Certainly
auto insurance from 1/1/2018 – 12/1/2018 in the following states: AZ, TN, WI .
Savings may vary.

10% Home Discount: NOT AVAILABLE IN CA. Not available in all states. Discount
applies to base policy coverage, not optional coverages or endorsements.

12% Auto Discount: NOT AVAILABLE IN CA, HI, MT, WY, ND, SD, AK, NC. Discount
amount varies by state and reflects average savings as applied to certain auto
coverages

$5 Renters: Not available in all states.

$44 Condo: Based on the average premium for condo policies as of April 2017.

$407 Home Savings Figure: Savings validated by new customers who switched to
Liberty Mutual between 1/2020-10/2020 and participated in a countrywide survey.
Savings may vary. Comparison does not apply in MA.

$652 Auto Savings Figure: Savings validated by new customers who switched to
Liberty Mutual between 1/2020-10/2020 and participated in a countrywide survey.
Savings may vary. Comparison does not apply in MA.

$947 Savings Figure: Savings validated by new customers who switched to Liberty
Mutual between 1/2020-10/2020 and participated in a countrywide survey. Savings
may vary. Comparison does not apply in MA.

Auto Competitor Savings Comparison: Savings validated by new customers who
switched to Liberty Mutual between 2/2021-9/2021 and participated in a
countrywide survey. Carrier-specific figures reflect average savings for
customers who switched to Liberty Mutual from the listed carriers. Savings may
vary. Comparison does not apply in MA.

Home Competitor Savings Comparisons: Savings validated by new customers who
switched to Liberty Mutual between 1/2020-10/2020 and participated in a
countrywide survey. Carrier-specific figures reflect average savings for
customers who switched to Liberty Mutual from the listed carriers. Savings may
vary. Comparison does not apply in MA.

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.

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 is a midterm change in underwriting risk that
impacts 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.

Better Car Replacement™ and New Car Replacement™: Optional coverage in some
states; availability varies by state. Eligibility rules apply.

Premium is for illustrative use only. Terms and conditions apply. May vary by
state.

Customer Satisfaction/Recommendation/Ease of Doing Business: Based on a 2020
study conducted by Liberty Mutual Insurance.

Monthly premium based on policies with liability coverage. Terms and conditions
apply. May vary by state.

The RightTrack® score applies only to the base coverages on the participating
vehicles, 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 and availability
may vary by state. Final rate is based on driving behavior and applied after
review period is completed or at renewal. New rate applied only to base
coverages, may exclude fixed expenses. Not available in all states.

Violation free Auto: 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.

Claims free Property: 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.

Claims free Auto: 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.

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