Safeco Homeowners

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 **!

Recently had a devastating hail storm in Woodland Park, CO. The Safeco represented claims adjuster grossly underestimated the cost to repair my roof by $2900. Furthermore, the claims rep completely missed four windows which had large amounts of condensation trapped between the double window panes the day after the storm event. These windows are on the side of the house that was hit hardest by the hail wind and rain. I got estimates for the windows from a Window contractor ($2800), and sent SafeCo high resolution pictures of the damage, along with the estimate. Despite me asking Safeco to send someone out again to take another look at my windows, they chose to do the inspection "In House", instead.

After reading the reviews... I am very leary about what our outcome will be. We have never had a claim in all the years of having this policy but we recently had roof damage and a water pipe bust under house all in same week! The adjuster was quick to call us and set up a time to come out (tomorrow) but he did call and speak with my fiance who holds the policy and basically left the impression with him that it will not be covered because it appears to be wear & tear! WHAT!!! I will definitely update after the inspection but it is not looking good based on the call from him! I will for positively sure drop this company and definitely not refer any of my customers (I am a realtor) if this outcome is not what it should be! Stay tuned...

This company just lost my business. They refuse to insure my home, because I have a pitbull mix!!! This is just plain ignorance. The pit bull problem isn’t really a pit bull problem. It’s a human problem - like most “animal problems”. A 2008 study published in Applied Animal Behavior Science, the journal of the International Society for Applied Ethology, determined that “…it is inappropriate to make predictions about a given dog’s propensity for aggressive behavior based solely on its breed."

Last year (2017) I submitted a claim for my roof damage (hail). It took a couple weeks but they sent an adjuster out to look at my roof. He didn’t check the main roof just a side eve and stated there was no damage, even though every other house on my block roofs were replaced from damage. He said my upper main roof is too high and he didn’t think it was safe to climb up there.

Earth Day of 2016, a tree fell on my home due to high winds. I reported my claim 15 minutes after it happened. It took Safeco 19 days to respond. First demonstration of bad faith. The first adjuster to work this case stalled on sending an engineer to review the damage because he was trying to help Beal Bank gain ownership of my property when they had no legal right to it. He managed to get them paid $48K because they claimed to be my mortgage holder. NOTE: I did not have a mortgage, and I had been through probate and was awarded the home, free and clear. I notified Safeco of these facts, but they either did not check with the court or simply did not care to check because the adjuster in charge, Kent **, saw an opportunity of make a bit of extra money.

This company will do anything not to cover claims and then once you are denied significantly raise your policy cost. After doing research I found they have a bad reputation and consumers warn against them. I am hoping to switch companies as soon as possible.

I was the one who had to keep calling for information and also the last call saying I was denied for repairs. Pretty sad when the adjuster didn't have the guts to call me.

Bathroom leak - At first they responded very quickly to get the house cleared of all the wet materials and I was very impressed. Then suddenly it was like they were in a rush to cut a check for the lowest amount possible and when I wanted them to hold off they informed me that after receiving estimates from local companies they can adjust their claim and send more. Next time I talked to them, I was told it was settled, even though the estimates I sent them showed their settlement would in no way make me whole. All before I even deposited their check. So now I will be needing to find a very inexpensive method of getting things replaced. Very disappointed.

We had hail and wind damage related to the 12-26-2015 tornado. Having heard about problems filing a claim I contacted a private adjustor. Eventually I required over 4 inspections of the roof and Safeco was playing hardball and denying I had any damage even though everyone said we did. A metal vent looked like a Native American had done a war dance using steel heels. Every window sealant trim had damage and the paint on the end of the garage looked like it had measles where hail removed paint. They forced arbitration and the adjustors met and only the company adjustor inspected the roof and my adjustor did not. They said I had 50% damage but refused to show me or tell me where. I only got 1/2 half of a roof.

Had a hail claim in Colorado Springs with considerable damage. Safeco lowballed everything (I had another house damaged at the same time but with a different company so I could compare costs). The adjusters from LA only wanted to argue; they were arrogant and condescending. Compared with the other house with damage, working with Safeco was a disaster. I had to get my agent involved to get results. Never again will do business with this company. Beware!

When Lakewood, Colorado had a devastating hail storm, we were not worried because we felt we had the right insurance and had kept our home updated and maintained. We were wrong! Safeco denied most of our hail damage claim and low balled us on the items they did pay. Very poor service and we are out over $25,000.00 for a new roof.

They first forced us to file 2 claims on same damage instead of letting us add them together. Then when we rented our property & switched to a landlord policy they charged us double for having 2 claims so similar so close together. They mailed my refund to my tenants instead of updated address. I found better coverage & now they are holding my refund payment for 14 days. They were rude & very unreliable. I would never use them again or recommend them to anyone.

Safeco homeowners rejected my claim totally but agreed to pay after talking to a lawyer we hired. They paid one-third of the damage which were entitled to us without a lawyer. This is an old claim but I was urged to write a review now.

I have been with Safeco for more than 6 years with both homeowner and auto insurances. The hail damage claim was denied in 2014. I have kept on complaining from 2014 until 2015 and finally It was resolved. But then I received nonrenewal policy letter in 2016 with a unreal reason that the owner lacks of maintenance for the wood chimney that led to the leakage from the roof. It was not right because my house does not have any chimney. Secondly, the same loss issue was then counted in three different claims. The policy was denied to be renewed. Also my online information including claim information was cleared out completely even the policy is still in active until now. I contact Safeco but the representatives passed me back to agents and then the agents refused to correct and they blamed back on Safeco for those misled information issues.

Filed claim after lightning hit our home. We have never made a claim before, the service was awful. First 2 agents would not even call us back and kept telling us things that would happen - that never did. Come to find out the 3rd agent told us we were put on a "fast track" and that is why no one was coming out to assess damages. OMG!!! 3rd agent (5 days later) came to inspect and the pipe burst when the AC guy they had us use attempted to get AC working. Now on our 4th AGENT!!!! Insane and are living in a hotel with children. TERRIBLE service. WE ARE AMAZED at how poorly this process is working!!! REALLY NOTHING WE CAN DO BUT document everything and wait...

I have had no problems with them. We have had no claims so no experience in that. Our premiums have remained consistent, which makes us very happy. They also have our auto insurance, thus we are able to save with that also.

I've never used the company for a claim, so I really can't say much about their payments. But I am pleased with the service when there was a problem on a bill. (Of course, it would have been better if they hadn't made the billing error in the first place!)

I have never had a problem with the insurance I have and umbrella to have pretty good protection. I pay by the year to save money. No other complaints. I love this company.

So far I am very happy with Safeco. I have only had it for a few months, but I saved almost $1000 from my previous carrier. They have a variety of payment plans available. And this was the first company that I was able to combine the Homeowners and Auto with the same company and take advantage of a multi policy discount. We have a log home in Montana and most carriers would not cover us. I can't speak to their claim service because there have not been any claims.

The customer service is great. We haven't had to use the policy but when we have questions they are very responsive. We switched jobs and wanted to make sure we had enough coverage. Safeco also spend time discussing our personal property to make sure there weren't any surprises if something happened. We had leak that was not covered by insurance but SAFECO helped us source a company that could fix it.

I have never filed a claim and they have been fair so far with renewals and prices. Their monthly payment and fee is reasonable so I keep them. It's a hassle to change and I have no need to right now.

We have not really had any interaction with our insurance company regarding our homeowner's policy. We have only had it for a short amount of time. We switched from Farmers to Safeco this past year because my husband's cousin was starting a new insurance agency and he needed a certain number of policies.

Safeco is an affordable insurance company. They send me my billing statement twice a year outlining all the specifics and if there is a price increase or decrease. I also receive a discount by bundling my auto insurance with them.

Just okay with our homeowners insurance with Safeco and really don't have any plans to switch. Have had Safeco for many years now, they have fair rates and good coverage.