Liberty Mutual gives members of the Fraternal Order of Police and the International Association of Fire Fighters up to 12% off auto and home insurance.
Liberty Mutual is one of the largest insurers in the country, writing auto, home, renters, and life policies nationwide. The first responder rate runs through the FOP and IAFF’s own group discount programs, not a general responder page on Liberty Mutual’s site.
How To Get The Liberty Mutual First Responder Discount
Get a quote and enter the group discount number for your organization: IAFF members use group discount 110032, and FOP members use group discount 120824. The savings apply to auto and home policies.
The discount is not available in every state. California and New York are named exclusions, so confirm it applies where you live before assuming it is on your quote.
Who Qualifies for the Liberty Mutual Discount?
Members of the Fraternal Order of Police or the International Association of Fire Fighters. If you belong to one of those organizations, the group discount number is the whole mechanism, there is no separate ID.me or SheerID verification step.
Q&A
Q: What if I am a first responder but not a member of FOP or IAFF?
A: This specific 12% route runs through those two organizations’ group numbers. Ask Liberty Mutual directly whether another affinity program applies to your situation.
Q: Does the 12% apply to both auto and home, or do I have to pick one?
A: Liberty Mutual’s own group page covers both auto and home insurance under the same group discount.
Q: Why isn’t the discount available in California or New York?
A: Insurance discount programs are regulated state by state, and Liberty Mutual names these two as exclusions. That is a state rule, not a Liberty Mutual decision to exclude those readers specifically.
Related: Homes for Heroes, Financial Planning Basics for First Responders, and 5 Financial Benefits for First Responders.
