Liberty Mutual glass claims in Florida
Liberty Mutual Windshield Replacement in Florida
Liberty Mutual policyholders in Florida — including Safeco customers, since Safeco is part of Liberty Mutual — get windshield replacement without a deductible when their Florida policy includes comprehensive coverage.
- $0 with comprehensive on a Florida policy (Fla. Stat. 627.7288)
- You choose the shop — not your insurer (Fla. Stat. 627.7291)
- We help you open the claim and handle scheduling
- Mobile install at your home or work
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Liberty Mutual policyholder? We'll verify your coverage first.
Does Liberty Mutual cover windshield replacement in Florida?
Yes — if your Liberty Mutual auto policy was issued in Florida and includes comprehensive coverage. Under Florida Statute 627.7288, the deductible doesn't apply to windshield damage, so most Liberty Mutual policyholders pay $0 for a repair or replacement.
The waiver covers the front windshield; side and rear glass follow your normal comprehensive deductible. Liability-only policies don't cover damage to your own glass, and policies written in another state follow that state's rules. Not sure what you have? Send us your policy details and we'll check before you do anything.
How to file a Liberty Mutual windshield claim
- Start the glass claim online, in the Liberty Mutual app, or by phone (Safeco customers use Safeco's claims options).
- Tell the claims rep you're choosing your own glass shop.
- Give us your claim number and we'll schedule your mobile install.
Prefer help? Call us at (941) 290-7667 — we can walk you through the call with Liberty Mutual and book your appointment on the spot.
Can I choose my own glass shop with Liberty Mutual?
Yes. Florida Statute 627.7291 says your insurer can't require you to use a particular glass company for your windshield.
Good to know
- Ask whether your claim is being handled through a glass network. If a network quotes a price, we'll confirm the details with you before any work starts.
- Comprehensive coverage is optional on Florida auto policies. If you only carry PIP and property damage liability, your own glass isn't covered.
Liberty Mutual windshield claim FAQ
Does Liberty Mutual cover windshield replacement in Florida?
Yes, if your Liberty Mutual auto policy was issued in Florida and includes comprehensive coverage. Florida Statute 627.7288 says the deductible doesn't apply to windshield damage, so the replacement is typically $0. Liability-only policies don't cover damage to your own glass.
Can I choose my own glass shop with Liberty Mutual?
Yes. Florida Statute 627.7291 says your insurer can't require you to use a particular glass company for your windshield.
Who files the windshield claim — me or the glass shop?
You do. For policies issued or renewed on or after July 1, 2023, Florida law (s. 627.7289) doesn't allow glass benefits to be assigned to a repair shop, so the claim stays in your name. We walk you through it, usually in one short call.
Will a windshield claim raise my Liberty Mutual rates?
Windshield claims fall under comprehensive coverage and aren't at-fault accidents, so they usually don't affect rates the way at-fault accidents can. Florida law doesn't specifically bar insurers from considering claim history, so ask Liberty Mutual if you're concerned.
I have Safeco. Does this apply to me?
Yes. Safeco is part of Liberty Mutual, and Florida's windshield deductible waiver applies to any Florida policy with comprehensive coverage, whichever brand issued it.
Other insurance companies
Our services
- Windshield Chip & Crack Repair
- ADAS Camera Calibration
- Fleet & Commercial Windshield Replacement
- Rideshare Driver Windshield Replacement
- Florida service areas →
MyFreeWindshield is an independent auto glass company. We are not affiliated with, endorsed by, or sponsored by Liberty Mutual. Liberty Mutual is a trademark of its respective owner.
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