My daughter got a divorce and had to refinance her house to pay off her ex-husband. After the refinance was complete, we asked Liberty Mutual to remove his name from the insurance policy. They refused. They stated that he had to personally call them and ask to have his name taken off the policy. Well, that wasn't going to happen because it was a messy divorce and there's no way he'd do anything to help us now. We explained this to Liberty Mutual and also told them that we had a copy of the new deed without his name and a new mortgage note without his name. They responded that it didn't matter and they wouldn't remove his name as insured without his permission.
We then found another insurance company to write a whole new homeowner's policy without his name. We called Liberty Mutual and asked to cancel the existing policy. Guess what. They refused to cancel the policy unless my daughter's ex-husband gave his permission. Can you believe this?
After over half an hour of arguing about this, we asked to speak with a supervisor and was connected to a "resolution specialist". We went over the whole thing again with her and she FINALLY agreed to have the policy canceled.
Save yourself some frustration and avoid getting insurance through Liberty Mutual!