Updated October 16, 2026 · AssureCue Editorial Team
Liberty Mutual vs ROLAND-Rechtsschutz
Liberty Mutual vs ROLAND-Rechtsschutz: the differences
| Compare |  Liberty Mutual |  ROLAND-Rechtsschutz |
|---|---|---|
| Insurance types | Auto, Home, Renters, Landlord, Motorcycle, Life, PetCovers more | Auto, Renters, Landlord |
| Excess from | $250 | €0 |
| Cover limit | Pet insurance annual maximum: $5,000, $10,000 or $15,000 | Unlimited sum insured (Deckungssumme unbegrenzt) in all tariffs |
| Claims channels | Online, Phone, App, EmailCovers more | Phone, Online |
| Premium from | $5 | Not confirmed |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- Founded is lower at Liberty Mutual: 1912 vs 1957.
- ROLAND-Rechtsschutz is available in 1 more country.
- Insurance types: only Liberty Mutual offers Home, Motorcycle, Life.
- Claims channels: only Liberty Mutual offers App, Email.
- Support channels: only ROLAND-Rechtsschutz offers Chat.
Our verdict on each
Liberty Mutual
Liberty Mutual explains that its listed underwriting companies are separate legal entities that issue the policies.
ROLAND-Rechtsschutz
ROLAND-Rechtsschutz suits households that want legal expenses cover with an unlimited sum insured and no excess, and monthly payments are available so the premium is spread across the year rather than paid in full up front. It scores 8.1 overall, with cost at 8.1.
Score breakdown
| Area | Liberty Mutual | ROLAND-Rechtsschutz |
|---|---|---|
| Cost | 8.9 | 9.4HigherThe excess starts at €0 and monthly payments are available, so payouts are not cut by an upfront deduction. |
| Offer | 9.5Higher | 9.0 |
| Trust | 9.7Higher | 9.6 |
Where they rank in our lists
| Ranking | Liberty Mutual | ROLAND-Rechtsschutz |
|---|---|---|
| Car insurance | 75 of 375 | 80 of 375 |
| Home insurance | 60 of 273 | 64 of 273 |
| Renters and contents insurance | 20 of 78 | 21 of 78 |
| Business insurance | 45 of 147 | 49 of 147 |
| Landlord insurance | 10 of 55 | 11 of 55 |
Licences and countries
| Country | Liberty Mutual | ROLAND-Rechtsschutz |
|---|---|---|
| Germany | Not confirmed | |
| United States | NAIC 23025 Iowa (state insurance licence) 1002314428 | Not confirmed |
Additional countries for Liberty Mutual: 2. Additional countries for ROLAND-Rechtsschutz: 3.
Choosing between them
Pick Liberty Mutual if offer, insurance types, and claims channels matter most.
Pick ROLAND-Rechtsschutz if cost matter most.
Every fact side by side
| Fact | Liberty Mutual | ROLAND-Rechtsschutz |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | Monthly | Monthly |
| Legal entity | Liberty Mutual Insurance Company | ROLAND Rechtsschutz-Versicherungs-AG |
| Headquarters | United States | Germany |
| Founded | 1912Lower | 1957 |
| Support channels | Phone, Help centre, Email | Email, Chat, Phone, Help centreCovers more |
Business insurance
| Fact | Liberty Mutual | ROLAND-Rechtsschutz |
|---|---|---|
| Cover types | Public liability, Professional indemnity, Employers liability, Cyber, Property | Not confirmed |
| Industries | Construction, energy, healthcare, technology, manufacturing and others | Not confirmed |
Where each stands against the rest
| Fact | Liberty Mutual | ROLAND-Rechtsschutz | Median |
|---|---|---|---|
| Premium from | $5below the median | Not confirmed | $16.09 |
Median across 61 listed insurance providers.
Pros and cons
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.
ROLAND-Rechtsschutz
Pros
- The cover limit is unlimited in all tariffs, so a legal bill is not held back by a fixed cap.
- The excess starts at €0, so a claim is not reduced by an upfront payment from your own pocket.
- Monthly payments are available, spreading the premium rather than demanding the full sum up front.
Cons
- Cover sits within auto, renters and landlord, so you would need another insurer for travel, life or health protection.
- The stated audience is seniors, which narrows the marketing focus to older customers.
- Claims start through phone and online, a shorter set than the email, chat and phone offered for day to day questions, so a claim and a general enquiry follow different routes.
Who each suits
Liberty Mutual
Who it suits
- Readers looking for the limited background stated in the captured source.
ROLAND-Rechtsschutz
Who it suits
- Households wanting legal expenses cover with an unlimited sum insured.
- Anyone who prefers a monthly premium to a single annual charge.
- People who want to deal with the insurer itself rather than a broker.
Who should look elsewhere
- Travellers after travel or pet cover, which Hiscox UK and Good Sam Insurance Agency list.
- Holders wanting many personal lines under one roof, since Good Sam Insurance Agency lists auto, home and renters.
- Anyone buying outside Germany, since this insurer is registered there as ROLAND Rechtsschutz-Versicherungs-AG.
Current offers
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 | Liberty Mutual | ROLAND-Rechtsschutz |
|---|---|---|
| Austria | No | Yes |
| Canada | Yes | No |
| Germany | No | Yes |
| Italy | No | Yes |
| United States | Yes | No |
Questions about each
ROLAND-Rechtsschutz
What does the unlimited cover limit mean for a legal expenses claim?+
The cover limit is unlimited in all tariffs, so the sum insured does not place a fixed ceiling on a legal costs bill, whatever line the case falls under in auto, renters and landlord. That matters when a dispute runs long, because a capped policy would pay out only to its limit. Ask for the wording of your chosen tariff to see what counts as covered.
Is there an excess to pay if I make a claim?+
The excess starts at €0, so there is no upfront payment from your own pocket. A valid claim is therefore not reduced by an excess. Check the wording of your tariff, since terms can differ between the legal expenses element and any other lines you hold.
Can I pay the premium monthly instead of annually?+
Monthly payments are available, so the premium is spread across the year rather than asked for in full at the start. That makes a legal expenses policy easier to carry alongside other household bills. Which payment terms apply to the tariff you are offered is worth confirming when you get a quote.
Am I dealing with the insurer or a broker?+
You deal with the insurer directly, by insurer. The contract sits with ROLAND Rechtsschutz-Versicherungs-AG in Germany, which has traded since 1957. In practice that means the insurer you write to is the insurer that decides and pays the claim.