Safeco Homeowners

We signed up for Safeco because our agent said that it would be cheaper than Encompass. We agreed to take it. They agreed to insure our home at the same level that Encompass had insured it. When they came out to look at the house that said that they would only insure it at half the cost it has been insured for -- for the past ten years. It was a bait and switch tactic. I think the evaluator was on something when he came out to take pictures. Be careful of these sleuths, they will burn you.

I made a appliance claim. Our representative doesn't answer my calls or emails. Worst representative ever!!! I paid for the repairs myself and quit trying to get Safeco to pay for repairs. They were of no help whatsoever!!!

Worst claim ever filed. Took 8 months to settle and get home repaired. Resulting in my being out of pocket 2.5 times my deductible. Every week or two they change claim rep assigned, causing me to start over proving every detail each time. Claim handled by Liberty Mutual out of California office even though I am in Dallas area where they have a huge presence.

My mother had some water damage in her home and called Safeco, her insurance company. They sent out a restoration company then an adjuster a week later. The restoration guy told her to close off the room and not to use a fan. This caused mold. The adjuster told her he didn't think Safeco would cover any of it. After a week of waiting for a call from Safeco, she called the restoration company who informed her Safeco was not going to pay. She never received a call from Safeco. I contacted Safeco and received a call from a claims manager who stated that there was a well hidden disclaimer stating that they would not cover water damage. Really? Why do we pay them a premium if they won't pay for damage? Anyway, she stated the policy was rather long and it's impossible for the homeowner to know all the disclaimers within the policy.

Aside from taking advantage of the elderly, Safeco also excels at not covering any damage they claim to, as well as raising your rates without notice, sometimes just because a call was made to their office. You’re literally better off burning cash in a bucket.

I have owned my home for nearly 13 years. And those 13 years I've never once needed to make a claim until last summer when a 40-foot tree fell on my property. I called to see if they would help me with the cleanup fees and they did absolutely nothing for me. Apparently if it doesn't hit my home it's not covered by my property insurance. I got quotes to clean the tree up and it was nearly $5,000. I did all the work myself. This year I had a 40-foot limb fall on my pickup truck. It totaled the whole truck including cab and frame. Because I don't have full insurance on a 1984 pickup truck my insurance won't pay out one dime. Be sure to read the fine print people. This company does not pay out for anything. Waste of my time and money. I will be finding another insurer who actually provides Insurance when people need it.

Worse experience ever I got from Safeco insurance. Horrible. It's even not enough words to describe the company how unprofessional are they. When times come to charge your credit card they are first and foremost but solving your problem are the last. Please take my advice and find other insurance if you don't want faced unprofessional staff with is transferring other departments and at end without solving your problem hang on your face. Second: they using your information to insure other person. Be aware before you think to deal with them!!!

Worse homeowner's insurance company I've EVER dealt with. They tried everything and anything they could to NOT give me house coverage. Should've known after they raised the rate after the initial quote without my knowledge. Would not recommend.

SAFECO is convenient and trustworthy. They have good customer service. Their girls in office are always helpful, friendly and return calls quickly. They care about their clients, send claims adjusters promptly and pays claims in a timely fashion. But it would be helpful if SAFECO improved and had a more friendlier, easy and better website. Also SAFECO rates are high and after 40 years should have a loyalty discount. Moreover, I don't like that they are not following through, cheating and denying claims. Nevertheless, SAFECO has been our home and auto insurance for years. They've been in business a long time and they're known and respected.

I've been with Safeco a little over 7 years. Filed my first claim a LONG time ago and my house is still in the same condition. Little to no communication. Prepare yourself to do ALL the calling. Im overwhelmed, frustrated, tired, pissed, fed up and beyond furious with the way things have been handled. My insurance payout will only cover one of my 3 repairs. So, I'm left with deciding which "ONE" I want to have fixed and then paying out of pocket for the other two. My homeowner's insurance rate had ridiculously increased over the years and I cannot wait to cut ties with these **!