Updated October 16, 2026 · AssureCue Editorial Team
Groupama MRH vs Liberty Mutual
Where Groupama MRH and Liberty Mutual differ
| Compare |  Groupama MRH |  Liberty Mutual |
|---|---|---|
| Premium from | €12.90 | $5 |
| Insurance types | Auto, Home, Landlord, Life, Health, Dental, Pet, Motorcycle, Gadget, Home emergency, Travel | Auto, Home, Renters, Landlord, Motorcycle, Life, Pet |
| Excess from | €174 to €354 | $250 |
| Cover limit | Contents (capital mobilier) from EUR 10,627 on Protection Indispensable to EUR 60,402 on Protection Premium, which can also insure furniture with unlimited value | Pet insurance annual maximum: $5,000, $10,000 or $15,000 |
| Claims channels | Online, Mobile app, Phone, Agency | Online, Phone, App, Email |
| Age range | Reduced student tariff for tenants under 26 (2 rooms maximum) | Not confirmed |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- Liberty Mutual scores higher overall: 9.4 vs 9.3.
- Founded is lower at Groupama MRH: 1900 vs 1912.
- Liberty Mutual is available in 1 more country.
- Insurance types: only Groupama MRH offers Health, Dental, Gadget.
- Insurance types: only Liberty Mutual offers Renters.
- Claims channels: only Groupama MRH offers Mobile app, Agency.
- Claims channels: only Liberty Mutual offers App, Email.
- Support channels: only Groupama MRH offers Chat.
- Support channels: only Liberty Mutual offers Email.
Our verdict on each
Groupama MRH
Groupama MRH is a French insurer founded in 1900, with a personal book spanning motor, home, health and pet cover, and it suits households who want every policy with a single provider. Older customers in particular are the listed audience, while the catch is what a claim leaves you paying.
Liberty Mutual
Liberty Mutual explains that its listed underwriting companies are separate legal entities that issue the policies.
Score breakdown
| Area | Groupama MRH | Liberty Mutual |
|---|---|---|
| Cost | 8.8Claim excess runs €174 to €354, and the starting premium sits above the site median of €8.37. | 8.9Higher |
| Offer | 9.6Higher | 9.5 |
| Trust | 9.7 | 9.7 |
Availability and regulation
| Country | Groupama MRH | Liberty Mutual |
|---|---|---|
| France | Not confirmed | |
| United States | Not confirmed | NAIC 23025 Iowa (state insurance licence) 1002314428 |
Additional countries for Groupama MRH: 1. Additional countries for Liberty Mutual: 2.
Side by side, item by item
| Insurance types | Groupama MRH | Liberty Mutual |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Renters | No | Yes |
| Life | Yes | Yes |
| Health | Yes | No |
| Travel | Yes | No |
| Pet | Yes | Yes |
| Motorcycle | Yes | Yes |
| Landlord | Yes | Yes |
| Dental | Yes | No |
| Gadget | Yes | No |
| Home emergency | Yes | No |
How they place
| Ranking | Groupama MRH | Liberty Mutual |
|---|---|---|
| Car insurance | 90 of 375 | 75 of 375 |
| Home insurance | 73 of 273 | 60 of 273 |
| Life insurance | 73 of 263 | 58 of 263 |
| Pet insurance | 51 of 167 | 44 of 167 |
| Motorbike insurance | 39 of 120 | 29 of 120 |
| Landlord insurance | 14 of 55 | 10 of 55 |
Every fact side by side
| Fact | Groupama MRH | Liberty Mutual |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Monthly | Monthly |
| Legal entity | Assurances Mutuelles Agricoles Groupama | Liberty Mutual Insurance Company |
| Headquarters | France | United States |
| Founded | 1900Lower | 1912 |
| Support channels | Phone, Chat, Help centre | Phone, Help centre, Email |
Business insurance
| Fact | Groupama MRH | Liberty Mutual |
|---|---|---|
| Cover types | Not confirmed | Public liability, Professional indemnity, Employers liability, Cyber, Property |
| Industries | Not confirmed | Construction, energy, healthcare, technology, manufacturing and others |
Pros and cons
Groupama MRH
Pros
- Auto, home, landlord, life, health, dental, pet, motorcycle, gadget, home emergency and travel are all on the book (auto, home and landlord), so policies can sit with the same insurer.
- Claims can be opened online, in the mobile app, by phone or in an agency (online, mobile app and phone), so help is not tied to a single channel.
- Monthly payments are available, so the premium is collected as a regular payment rather than a single sum.
Cons
- The excess on a home claim runs €174 to €354, so a small loss can cost you money.
- Support runs on phone, chat and help centre only, with no email route listed.
- Contents cover is capped on the entry home tier, and unlimited furniture value comes with the top tier alone.
Liberty Mutual
Pros
- The captured source states the provider or product information summarized here.
Cons
- This describes the insurer’s stated entity structure and does not determine coverage under any policy.
Who each suits
Groupama MRH
Who it suits
- Households that want home, motor, health and pet cover with a single French provider.
- Older policyholders, the audience the brand is listed for.
- Tenants who are students and can use the reduced home tariff.
Who should look elsewhere
- Price-first readers, since bunq shows a premium from €0 while Groupama MRH starts at €12.90.
- Shoppers who want a leaner book, since Good Sam Insurance Agency covers auto, home and renters and leaves landlord, dental and gadget cover to others.
Liberty Mutual
Who it suits
- Readers looking for the limited background stated in the captured source.
Current offers
Groupama MRH
Current offer
Bonus
EUR 50 off the first year of a Groupama Habitation policy: EUR 50
Subscribe in 2026 to two new contracts, minimum annual premium EUR 100 incl. tax; 1 January to 31 December 2026; page header shows the offer running until 30 October 2026; not combinable, see conditions in agency
Source, checked September 26, 2026
First period offer
One month free on the first year of a Groupama chien-chat policy: 1 month of premium
New subscription of a Groupama assurance chien-chat, offer valid 1 January to 31 December 2026
Source, checked September 26, 2026
Liberty Mutual
Current offer
Discount code
Bundle auto and home insurance online: over $950 average annual savings
Average annual savings based on a countrywide survey of new customers who reported savings when they switched to Liberty Mutual or Safeco between 10/2024 and 9/2025; savings vary; comparison does not apply in MA
Source, checked September 26, 2026
Discount code
Switch to Liberty Mutual auto insurance: over $700
Average annual savings based on a countrywide survey of new customers who reported savings when they switched between 10/2024 and 09/2025; savings vary; comparison does not apply in MA
Source, checked September 26, 2026
Discount code
Pet insurance stackable discounts for existing Liberty Mutual customers: up to 20%
Already a Liberty Mutual customer; products, rates and discounts may vary by state and are subject to change
Source, checked September 26, 2026
Country by country
| Country | Groupama MRH | Liberty Mutual |
|---|---|---|
| Canada | No | Yes |
| France | Yes | No |
| United States | No | Yes |
Questions about each
Groupama MRH
How much does cover start at?+
Home cover starts at a premium from €12.90, and monthly payments are available so the cost is spread out. That entry figure sits above the site median of €8.37, and the excess on a claim runs €174 to €354, so small claims can end up costing you.
Who regulates Groupama MRH?+
It is an insurer (insurer) registered in France, supervised by ACPR, the Autorite de controle des assurances et des caisses d'epargne. Because the company carries the risk itself, a claim is paid by the insurer named on the policy rather than being passed to another provider.
Can I pay monthly rather than for the year?+
Yes. The payment model is monthly (monthly), and monthly payments are available, so the premium is collected across the year instead of as a single sum. That suits households managing a tight monthly budget, and it does not change the level of cover you hold.
How do I make a claim?+
Claims can be started online, in the mobile app, by phone or in an agency (online, mobile app and phone). Day to day support runs on phone, chat and a help centre (phone, chat and help centre), so a claim opened in the app can be picked up by phone if it needs chasing.
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