Liberty Insurance is absolutely HORRIBLE! Over the phone, their REP says we should be covered, advises to open a claim, only to be DENIED. Found out that 3 months prior THEY changed a couple items in the policy (without my knowledge or approval, etc), which caused us to have to pay $14K in plumbing issues OUT OF POCKET! We pay almost $6,000 in annual premiums ($478 mo) for what is supposed to be pretty dang good coverage. Pffft! Who does that?!?! They lie, deceive, and manipulate. BUYER BEWARE- they are crooked! Liberty Mutual is a major reason why the insurance companies remain such repugnant companies. I will happily spend more for ANY other company at this point. Even worse, we have multiple vehicles covered as well. BYE-BYE Liberty! SHAME ON YOU LIBERTY MUTUAL.