Many or all of the companies featured compensate us. Compensation and research may determine where and how companies appear. Learn more
  1. Home
  2. Renters Insurance
  3. Allstate vs. Liberty Mutual

Compare Allstate vs. Liberty Mutual Renters Insurance

What’s the difference between Allstate Renters Insurance and Liberty Mutual Renters Insurance? See how our editors compare the two companies below.
Last Updated: October 09, 2025
Allstate Renters Insurance
4.6 / 5 - Excellent
no_rank
SEE RATES
Liberty Mutual
4.6 / 5 - Excellent
no_rank
SEE RATES
vs

Key Facts

Allstate Backed Rental Insurance From $5/Month

  • Liability, Personal Property, Loss Of Use Coverage
  • Add-On Coverage For Jewelry, Earthquake, Umbrella
  • Multi-policy Discounts Available
  • Local Agents + Easy Online Quotes

Renters Insurance Starting As Low As $5/Month

  • Personal Property, Liability & Living Expenses 
  • Add-Ons: Jewelry, Replacement Cost, Earthquake 
  • Save With Bundling, Online Purchase & Claims-Free
  • Easy Claims & Policy Management Online Or In App
More Details >
More Details >

OVERALL RATINGS

 AllstateLiberty Mutual
Coverage Options4.5/54.5/5
Add-Ons & Discounts4.8/54.5/5
Customer Service4.5/55.0/5
Financial Strength4.5/54.5/5

Coverage Compared

 AllstateLiberty Mutual
Basic Coverage
Personal Property
Personal Liability
Loss of Use / Additional Living Expenses
Personal Property
Personal Liability
Loss of Use / Additional Living Expenses
Optional Coverage
Scheduled Coverage
Identity Theft Restoration
Property Valuation Methods
Replacement Cost
Actual Cash Value
Replacement Cost
Actual Cash Value

Exclusions

Certain types of property, including jewelry, have a maximum for the dollar amount paid out. However, this limit can easily be increased with higher premiums.
Damage from natural disasters like floods and earthquakes is not covered.

Coverage Fine Print

Business property Sports equipment Green improvement reimbursement Yard and garden Electronic data recovery Musical instruments

Pricing & Discounts

 AllstateLiberty Mutual
Annual Premium
Starting at $252
Deductible Options
$250, $500, $1,000
Maximum Liability Coverage
$500,000
Property-Level Discounts
Burglary Protected
Fire Protection

Discounts Fine Print

Customer Experience

Customer Ratings

 AllstateLiberty Mutual
BBB Rating
A-
B+
Number of BBB Positive Reviews
2
Number of BBB Neutral Reviews
4
Number of BBB Negative Reviews
150

National Association of Insurance Commissioners

 AllstateLiberty Mutual
NAIC Complaint Ratio
0.81
13.77
NAIC Total Complaints
148
92
*The NAIC complaint ratio (in this case 0.81) is a ratio of the number of complaints a company received to the its total premiums written in a calendar year. The median complaint ratio across all companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.
*The NAIC complaint ratio (in this case 13.77) is a ratio of the number of complaints a company received to the its total premiums written in a calendar year. The median complaint ratio across all companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

Financial Strength Ratings

 AllstateLiberty Mutual
Underwriter
Allstate Insurance Company
Liberty Mutual Holding Company, Inc.
Standard & Poor's Financial Rating
AA-
A
Moody's Financial Rating
Aa3
A2
AM Best Financial Rating
A+
A
Company Type
Underwriter
Underwriter
*The above information reflects the financial strength of the underwriter of the Allstate renters insurance policies: Allstate Insurance Company.
*The above information reflects the financial strength of the underwriter of the Liberty Mutual renters insurance policies: Liberty Mutual Holding Company, Inc..

Contact & Additional Information

 AllstateLiberty Mutual
Homepage URL
https://www.allstate.com/
https://www.libertymutual.com/
Company Phone
(877) 810-2920
(800) 290-7841
Headquarters Address
2775 Sanders Rd, Northbrook, IL, 60062
175 Berkeley Street, Ninth Floor, Boston, MA
Mailing Address
P.O. Box 660598, Dallas, TX, 75266
Year Founded
1931
1912

Final Verdict

Liberty Mutual Renters Insurance and Allstate Renters Insurance are very close in quality and have the same overall rating. That said, Liberty Mutual scores better than Allstate across: Customer Service. Whereas, Allstate scores better on Add-Ons & Discounts. Both companies score similarly on Coverage Options, and Financial Strength.

Toggle Renters Insurance
4.8 / 5 - Excellent
#1 in Renters Insurance
SEE RATES
Find The Best Renters Insurance
Get the best deal in renters insurance. We give you the leading renters insurance services in the country today.
See top rated Renters Insurance