The Liberty Mutual claims adjuster will tell you what a beautiful home you have, admire your artwork, tell you what great decorating style you have... but they will NOT accept your claim! On top of that, their premiums are outrageous compared to their competitors. When my water bill suddenly increased, I detected a leak in my foundation - literally several hundred gallons of water PER DAY were pouring out somewhere below the house. I immediately contacted Liberty; when the claims adjuster arrived, I was told they were denying the claim because "there was no visible damage to the structure". And sure enough, there was a tiny clause in the 45-page contract that said they don't pay if damage isn't visible. So instead I was stuck with $4500 in plumber expenses, when I thought I had good insurance.
Foundation leaks are a common thing in Texas, due to our crappy clay soil that constantly shifts. I have at least five friends or family members who had a similar leak - with NO VISIBLE DAMAGE - and their claims were accepted and paid in full. Lucky for them, they weren't with Liberty Mutual.
Stay away from this insurer. Perhaps if they didn't spend untold millions on their ridiculous ad campaign with the emu and dorky 70's guy, they could lower premiums and actually pay out on some legitimate claims!