Liberty Mutual Personal Insurance Company — homeowners Complaints in Texas

Detailed analysis of 379 homeowners insurance complaints filed against Liberty Mutual Personal Insurance Company by consumers in Texas, based on public NAIC and state DOI data.

Key Statistics

homeowners Complaints in Texas: 379
Total homeowners Complaints (All States): 477
Texas Share: 79.5%
NAIC Complaint Ratio: 3.16
AI Risk Score: 83/100

Analysis: Liberty Mutual Personal Insurance Company homeowners in Texas

Liberty Mutual Personal Insurance Company has accumulated 379 homeowners insurance complaints from consumers in Texas. Across all states, Liberty Mutual Personal Insurance Company has 477 total homeowners complaints, making Texas responsible for 79.5% of the volume.

The most frequent complaint sub-type is Delayed payment with 182 complaints. Other common issues include Claim denial (83), Premium or billing dispute (30), Unsatisfactory Settle/Offer | Contract Language/Legal Issue; Question of Fact (4).

The most active year was 2026 with 10 complaints filed.

Consumers in Texas who have homeowners disputes with Liberty Mutual Personal Insurance Company can file a complaint with the Texas Department of Insurance.

homeowners Complaint Issues in Texas

Issue Type	Complaints	%
Delayed payment	182	48.0%
Claim denial	83	21.9%
Premium or billing dispute	30	7.9%
Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Question of Fact	4	1.1%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Company Position Upheld; Contract Language/Legal Issue; Quest	3	0.8%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Company Position Upheld; Quest	3	0.8%
Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Information Furnished; Company Position Upheld	3	0.8%
Policy cancellation	3	0.8%
Unsatisfactory Settle/Offer \| Company Position Upheld; Contract Language/Legal Issue; Information Furnished	2	0.5%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Question of Fact; Company Position Upheld; Contract Language/	2	0.5%
Unsatisfactory Settle/Offer \| Company Position Upheld; Question of Fact; Contract Language/Legal Issue	2	0.5%
Unsatisfactory Settle/Offer \| Information Furnished; Contract Language/Legal Issue; Additional Monies Received	1	0.3%
Cust Srvc Policy Holder Srvcs; Unsatisfactory Settle/Offer \| Company Position Upheld; Contract Language/Legal Issue; Add	1	0.3%
Cust Srvc Policy Holder Srvcs \| Question of Fact; Contract Language/Legal Issue	1	0.3%
Cust Service Claim Handling \| Claim Settled; Contract Language/Legal Issue; Appraisal Process Invoked	1	0.3%
Cust Service Claim Handling \| Question of Fact; Information Furnished; Contract Language/Legal Issue	1	0.3%
Cust Srvc Policy Holder Srvcs \| Information Furnished; Corrective Action Taken	1	0.3%
Unsatisfactory Settle/Offer \| Additional Payment Expected; Contract Language/Legal Issue; Corrective Action Taken	1	0.3%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Information Furnished; Question of Fact; Contract Language/Le	1	0.3%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Company Position Upheld; Contract Language/Legal Issue; Infor	1	0.3%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Additional Monies Received; Co	1	0.3%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Question of Fact; Information Furnished; Contract Language/Le	1	0.3%
Unsatisfactory Settle/Offer \| Claim Settled; Corrective Action Taken; Question of Fact	1	0.3%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Company Position Upheld; Question of Fact; Information Furnis	1	0.3%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Question of Fact; Company Posi	1	0.3%
Use Of Clue Reports \| Question of Fact; Company Position Upheld; Contract Language/Legal Issue	1	0.3%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Information Furnished; Question of Fact; Additional Monies Re	1	0.3%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Company Position Upheld; Information Furnished; Contract Lang	1	0.3%
Endorsement / Rider; Unsatisfactory Settle/Offer \| Additional Payment Expected; Question of Fact; Contract Language/Lega	1	0.3%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Company Position Upheld; Question of Fact; Claim Settled	1	0.3%
Cust Service Claim Handling \| Company Position Upheld; Information Furnished	1	0.3%
Unsatisfactory Settle/Offer \| Company Position Upheld; Information Furnished; Contract Language/Legal Issue	1	0.3%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Question of Fact; Additional Payment Expected; Contract Langu	1	0.3%
Unsatisfactory Settle/Offer \| Additional Monies Received; Contract Language/Legal Issue; Additional Payment Expected	1	0.3%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Company Position Upheld; Contract Language/Legal Issue	1	0.3%
Use Of Clue Reports \| Information Furnished; Corrective Action Taken	1	0.3%
Cust Service Claim Handling; Other; Unsatisfactory Settle/Offer \| Question of Fact; Contract Language/Legal Issue	1	0.3%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Question of Fact; Additional Monies Received; Claim Settled	1	0.3%
Unsatisfactory Settle/Offer \| Question of Fact; Additional Payment Expected; Contract Language/Legal Issue	1	0.3%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Additional Monies Received; Information Furnished	1	0.3%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Company Position Upheld; Question of Fact; Contract Language/	1	0.3%
Unsatisfactory Settle/Offer \| Question of Fact; Contract Language/Legal Issue; Additional Payment Expected	1	0.3%
Use Of Clue Reports \| Information Furnished; Company Position Upheld	1	0.3%
Misrepresentation \| Corrective Action Taken	1	0.3%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Question of Fact; Claim Settled; Information Furnished	1	0.3%
Unsatisfactory Settle/Offer \| Additional Monies Received; Contract Language/Legal Issue; Corrective Action Taken	1	0.3%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Question of Fact; Claim Settle	1	0.3%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Corrective Action Taken; Additional Payment Expected; Additio	1	0.3%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Information Furnished	1	0.3%
Unsatisfactory Settle/Offer \| Information Furnished; Additional Payment Expected; Question of Fact	1	0.3%
Unsatisfactory Settle/Offer \| Information Furnished; Claim Settled	1	0.3%
Unsatisfactory Settle/Offer \| Claim Settled; Question of Fact; Contract Language/Legal Issue	1	0.3%
Post-Claim Underwriting \| Complaint Withdrawn	1	0.3%
Unsatisfactory Settle/Offer \| Additional Monies Received; Corrective Action Taken; Claim Settled	1	0.3%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Claim Settled; Contract Language/Legal Issue; Additional Moni	1	0.3%
Cust Service Claim Handling \| Question of Fact; Information Furnished	1	0.3%
Unsatisfactory Settle/Offer \| Information Furnished; Contract Language/Legal Issue; Claim Settled	1	0.3%
Unsatisfactory Settle/Offer \| Information Furnished; Company Position Upheld; Question of Fact	1	0.3%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Company Position Upheld	1	0.3%
Unsatisfactory Settle/Offer \| Additional Payment Expected; Corrective Action Taken; Question of Fact	1	0.3%
Misleading sales	1	0.3%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Question of Fact; Contract Language/Legal Issue; Company Posi	1	0.3%
Unsatisfactory Settle/Offer \| Additional Monies Received; Contract Language/Legal Issue	1	0.3%
Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Company Position Upheld	1	0.3%
Coverage dispute	1	0.3%
Post-Claim Underwriting \| Contract Language/Legal Issue; Question of Fact; Information Furnished	1	0.3%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Question of Fact	1	0.3%
Unsatisfactory Settle/Offer \| Question of Fact; Additional Payment Expected	1	0.3%
Unsatisfactory Settle/Offer \| Question of Fact; Company Position Upheld; Contract Language/Legal Issue	1	0.3%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Appraisal Process Invoked; Question of Fact; Contract Languag	1	0.3%
Unsatisfactory Settle/Offer \| Question of Fact	1	0.3%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Claim Settled; Additional Monies Received	1	0.3%
Unsatisfactory Settle/Offer \| Question of Fact; Additional Monies Received	1	0.3%

Complaints by Year

2026: 10 complaints
2025: 80 complaints
2024: 103 complaints
2023: 73 complaints
2022: 57 complaints
2021: 52 complaints
2020: 4 complaints

Recent homeowners Complaints Against Liberty Mutual Personal Insurance Company in Texas

homeowners Complaint #TX-455197-d3cdd2e6 (2026-04-30) — Claim denial
homeowners Complaint #TX-453547-df3abe19 (2026-04-14) — Cust Service Claim Handling; Unsatisfactory Settle/Offer | Company Position Upheld; Contract Language/Legal Issue; Quest
homeowners Complaint #TX-453546-e73d8458 (2026-04-14) — Delayed payment
homeowners Complaint #TX-453238-9ef2528d (2026-04-10) — Delayed payment
homeowners Complaint #TX-450573-5137098c (2026-03-18) — Delayed payment
homeowners Complaint #TX-450149-d3cdd2e6 (2026-03-13) — Claim denial
homeowners Complaint #TX-448503-46b8d39f (2026-02-24) — Delayed payment
homeowners Complaint #TX-448027-9ef2528d (2026-02-19) — Delayed payment
homeowners Complaint #TX-447890-d3cdd2e6 (2026-02-18) — Claim denial
homeowners Complaint #TX-446218-0405ce88 (2026-01-29) — Claim denial

Frequently Asked Questions

How many homeowners complaints does Liberty Mutual Personal Insurance Company have in Texas?

Liberty Mutual Personal Insurance Company has 379 homeowners insurance complaints on file from consumers in Texas, according to NAIC and state DOI data.

What are the most common homeowners complaint issues with Liberty Mutual Personal Insurance Company in Texas?

The most common issues are: Delayed payment (182), Claim denial (83), Premium or billing dispute (30), Unsatisfactory Settle/Offer | Contract Language/Legal Issue; Question of Fact (4), Cust Service Claim Handling; Unsatisfactory Settle/Offer | Company Position Upheld; Contract Language/Legal Issue; Quest (3).

How does Liberty Mutual Personal Insurance Company's homeowners record in Texas compare to other states?

Liberty Mutual Personal Insurance Company has 379 homeowners complaints in Texas out of 477 total homeowners complaints nationwide. That is 79.5% of their homeowners volume.

Where can I file a homeowners complaint against Liberty Mutual Personal Insurance Company in Texas?

You can file a complaint with the Texas Department of Insurance. The NAIC Consumer Information Source at https://content.naic.org/cis_consumer.htm also accepts complaints.