Liberty Mutual’s insurance savings for firefighters and police officers are for union members: the International Association of Fire Fighters (IAFF) and the Fraternal Order of Police (FOP). Neither union page prints a percentage, so the price you’re quoted when you ask for the union rate is the number that counts.
Liberty Mutual and the IAFF have teamed up to give members special savings on customized insurance, and Liberty Mutual and the FOP have done the same for FOP members. The FOP’s own insurance page puts it the same way: as an FOP member, you get special savings on auto and home insurance from Liberty Mutual. If you carry a union card, it’s worth one phone call before you renew a policy anywhere.
How To Get The Liberty Mutual First Responder Discount
- Make sure you’re a current IAFF or FOP member. The offer is for members, so have your union card handy.
- Open the Liberty Mutual page for your union with the button below (the IAFF page, or the FOP page linked in the next section).
- Call for a quote on 888-718-2146 for personal insurance, or ask for one online.
- Tell Liberty Mutual you’re an IAFF or FOP member when you ask for the quote.
- Compare the quoted price with what you pay now before you switch.
Who Qualifies
Firefighters qualify through IAFF membership, and police officers through FOP membership. The Liberty Mutual page for FOP members is a separate page from the IAFF one. Liberty Mutual doesn’t name EMTs, paramedics or dispatchers on either page, so a union card is the only route these pages describe. Being a firefighter or an officer without the union membership doesn’t qualify you on these pages.
What Else You Might Get
Both pages also list Liberty Mutual’s regular discounts: a multi-policy discount when you hold more than one policy with the company, and a violation-free discount for a clean driving record. Those aren’t tied to your job, so anyone can ask about them.
The IAFF page also lists a separate military discount for people who are active, retired or reserved in the U.S. Armed Forces. A firefighter who also served can ask about it, though it isn’t a first responder program.
What To Watch For
No rate is published for either union offer, and the pages don’t say how it combines with the discounts above. Ask the agent to price your policy with and without the union savings, and keep the quote that comes out lower. Liberty Mutual’s general discounts page doesn’t list an occupation discount, so a quote that doesn’t mention your union isn’t getting you the member rate.
Q&A
Q: Is there a Liberty Mutual discount for any first responder?
A: Not on the pages we checked. The offers are for IAFF members and FOP members.
Q: How much will I save?
A: Liberty Mutual says members get special savings on customized insurance and doesn’t print a percentage. Your quote shows the number.
Q: I’m a firefighter but not in the IAFF. Can I still use it?
A: The IAFF page describes the offer as being for IAFF members, so ask Liberty Mutual before you count on it.
Q: I’m a police officer. Where do I start?
A: On the FOP page, or at the FOP’s insurance page, which points to Liberty Mutual for auto and home insurance. Call 888-718-2146 for a personal insurance quote and mention your FOP membership.
Q: What if I’m an EMT?
A: Neither page names EMTs, so there’s no Liberty Mutual path for you here. Our Farmers Insurance page is the place to compare another insurer.
More Information:
Liberty Mutual can change what it offers members, so confirm the savings on your quote before you sign. For more savings, browse our money and insurance discounts.