Safeco Homeowners

Spent over a month convincing my VA mortgage lender (Caliber Home Loans) that my amortized mortgage payment was sent to Safeco, thus my policy should be active and I should be able to submit a claim for storm damage that occurred to my home. Finally proved that my payments were sent to Safeco and got my policy active after weeks of phone calls, etc, and then Safeco then declines to pay anything for my claim. Word of wisdom, If you get cheap scam insurance, don't expect them to pay for any damages, they will worm out of any payment. Pay a bit more to be treated like a paying customer versus paying a premium that returns basically nothing for you. I made the mistake of letting my mortgage lender (Caliber) choose my home owner policy (Safeco) for me, Don't let them choose for you, pick your own, you will be much better off and save a ton of grief and time.

I have never written a review on any institution, service industry establishment, or insurance company until now. I have been a customer of Safeco Insurance for many years because, I felt encouraged by the fact they are associated with my banking institution (I will not name). However, this is the second time I have been spoken to with a condescending attitude and this time it was insulting. I use to have a bundled policy with auto as well as homeowners coverage, but with comparison shopping found the auto insurance policy was merely double the amount of larger insurance carriers. After a review of my current claim, I still intend to file. In regards to their claims representative, both women I have spoken to are exceedingly rude. I am very disappointed in the customer service with the homeowners claim department has provided with handling two of my concerns.

I found out I was dropped by receiving a refund check in the mail. When I called my agent (who also wasn't aware of this), I found out that I'd been dropped for a porch issue I was already in the process of fixing. Once fixed I sent proof that the problem was resolved. They then claimed that they wouldn't take me back because of the age of my house. This wasn't an issue when I first got the policy. I am so unhappy with the way I was treated. If you have a historic home, even if it's been updated like mine has been, do not go with this company.

Purchased policy with new home, title company sent them a check for first year's premium, they sent it back to the title company uncashed. Meanwhile, lender insures me because I have no coverage. By the time I find out about this from the title company, Safeco wants premium AND a fee to "re-instate" policy. One month later they want another $158 because I "let my policy lapse" and my rate went up. All because they failed to process the check they were sent on the day my home sale closed. Five phone calls to them and even when their agents admitted they screwed up, no one could fix it. Cancelled them after the last call. Horrible horrible customer service.

Our house had a new roof in 2017. In May 2020 there was a 2.5" diameter hailstone storm. We didn't file a claim until December 2020 when a roofer examined the roof and provided detailed evidence of damage with many photographs. Roof had obvious divots throughout. The Safeco company adjustor disagreed vehemently, picked a portion of the roof under a tree as his sample "right" and denied claim saying roof only had "blistering" by unknown cause. Roofer said worst damage claims response he had ever seen. We were successful in replacing other rental property roofs insured with another company using this same roofer and his submitted evidence. We challenged the finding with SAFECO and a claim for $1100 was issued which no roofer would accept because damage was all over roof, they couldn't touch it for so low a price. Then we were told that our house wasn't insurable at renewal time, with an outstanding claim.

No adjuster would come out and actually see damage on my brand new house. They just estimated it by pictures then no one is ever there to answer phone. And adjusters are not very professional. I was told this was good place to trust but I don't know now. Very unsatisfied.

I have not had to place a claim so I cannot say how their customer service is, but the cost is very reasonable for good coverage. Their website is easy and convenient to use to check your policy details.

I am very happy with Safeco. I have only had the homeowners policy for one year and it saved me almost $900 in comparison to other carriers. Unfortunately there are some additional endorsements aren't available through Safeco's homeowner policy.

I have been with Safeco for many years. They have great coverage and their rates are very reasonable. The times that I have spoken with them they have been extremely knowledgeable, helpful, and courteous. Luckily I have never had to file a claim with them. But if I ever do I am sure I will be treated fairly and in an expeditious manner.

I have been with Safeco for a few years. I got sick with Covid and was sick for a month and a half and I ask for an extension from 15th to the 22nd. Being sick still, I trusted everything was going okay and they had taken the 164.00 from my bank account only for my son to hand me mail where my bank had written to me that Safeco stated I had called and canceled my policy. A extension is not a cancellation. I won't write names out of respect but lady 1 tells me it was my broker who canceled, that was a lie. The broker lost her business four years ago. She transferred me to lady 2. She placed me on hold, comes back and said she had called broker and had given my name and number but she did try and restart my policy while having me on hold. She tells me and provided the broker number. Safeco lied!!! I had to rush and get another policy because Safeco put me in a uncomfortable position by lying to my bank!!