Safeco Homeowners

Safeco Homeowners

 3.6/5 (110 reviews)

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Overall Rating3.6 out of 5
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About Safeco Homeowners

This profile has not been claimed by the company. See reviews below to learn more or submit your own review.

Safeco provides home and auto insurance policies. Its homeowners insurance lets customers choose their own deductibles, and the company has discount programs for qualifying policyholders, including those who have multiple policies. Its standard coverage plan is fairly limited, but Safeco does offer several add-on policy options.

Pros & Cons


  • Multipolicy options
  • Discount programs available
  • Choose your deductible


  • Limited standard coverage
  • Low customer ratings

Bottom Line

Safeco offers standard home insurance coverage with multiple add-on options. It also has discount opportunities and multipolicy advantages. However, its standard coverage might be too limited for some homeowners.

Top Safeco Homeowners Reviews

Rated with 5 stars

They have been very helpful and very convenient to use. They are also not as expensive as other home insurance companies. They are always a great help when I call in to ask questi...

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Rated with 5 stars

They have been great to have. Our house was damaged in a hail storm… We called our insurance agent here and they contacted Safeco for us… The representative was at our home the fi...

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What is Safeco home insurance?

Safeco offers home insurance policies with customizable coverage options. As a policyholder, you can add extra coverage to its standard policies for instances like bodily harm on your property and additional living expenses in case of a loss. Safeco also provides car insurance policies, umbrella insurance and pet health coverage; these policies can be bundled with home insurance for a discount.

Safeco home insurance coverage

Homeowners interested in Safeco’s home insurance can begin by obtaining a free quote on the company website. This process requires completion of a questionnaire about your home, policy needs and geographical area.

You can also contact a local Safeco agent to get a detailed and accurate quote. These agents assist in finding additional coverage options and discounts, often leading to savings. You can ask your agent about adding coverage options like:

  • Identity theft
  • Personal property replacement cost
  • Equipment breakdown
  • Valuable articles
  • Multipolicy and single deductible

Safeco home insurance quotes and rates

On average, Safeco’s rates for home insurance range anywhere from $1,000 to $3,000 per month, depending on coverage type. However, you can lower these costs by taking advantage of Safeco’s discounts and policy bundles — by selecting a higher deductible, for instance, you can get better rates, or you can save up to 15% by combining your auto and home policies. Safeco also has discounts for multipolicy, pay-in-full and other programs.

Safeco home insurance FAQ

Does Safeco offer multiple policies?

Yes, Safeco’s home insurance can be combined with its other coverages.

Where is Safeco home insurance available?

Safeco’s home insurance is available nationwide. You can find a local Safeco agent to learn more about your coverage and policy options.

What does Safeco home insurance cover?

Safeco home insurance provides coverage for rebuilding costs associated with damages. It can also protect your belongings and guests, as well as cover unexpected living expenses, valuable articles and more. Safeco doesn’t cover damages from earthquakes and floods.

Who owns Safeco?

Safeco is owned by Liberty Mutual Group. The company became part of Liberty Mutual in September 2008.

Is Safeco a good home insurance company?

Safeco is a solid home insurance company for those who want core coverage with a handful of additional protection options. Its standard coverage is fairly limited, but its multiple discounts give you the opportunity to reduce your monthly bill. Ultimately, if you’re looking for basic insurance, Safeco might be ideal, but if you need extensive or highly specific coverage, you might find Safeco’s offerings limited.

Safeco Homeowners Reviews

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Page 1 Reviews 0 - 10
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: May 12, 2023

My agent recommended Safeco because their plan had competitive rates and coverage. I recently had a flooding incident at my home and Safeco were truly outstanding in providing coverage for my repairs and helping me obtain contractors. They covered all reasonable expenses to make sure that my house was back to how it was before. I will definitely renew with them and recommend them to others.

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Rated with 1 star
Verified Reviewer
Original review: April 20, 2023

I had auto/homeowners through Liberty Mutual and then the agent went on medical leave. Last year I contacted Safeco online and spoke with someone from AWL Insurance in Austin, Texas and the guy whom I spoke with changed our auto/home to Safeco insurance. He didn't speak about options on home or auto, just gave me a quote which wasn't too bad. I had to file the first homeowners claim in my life (have owned homes for 35 years and had many insurance companies) and I have found out that my deductible is over $10,000 for this claim. Safeco guy today says that this was an option to save money on my policy. The guy last year never spoke of options and I certainly wouldn't have chosen a policy with a $10,000 deductible to get a roof replaced. Safeco is the worst insurance company out there today and their JD Power and consumer report ratings back that up. Please, PLEASE, go elsewhere for insurance, save yourself the aggravation!!!

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    Rated with 1 star
    Verified Reviewer
    Original review: April 1, 2023

    My husband and I had a horrendous experience with our cross-country move from Boston to Greenville, SC. Our movers' negligence caused approximately $7,000 in damages to our home furnishings. I tried everything I possibly could to obtain a fair and reasonable settlement from both moving companies that were involved, but after many months, it became clear that this was never going to happen. At that time, I decided to try to obtain a settlement with our insurer, Safeco Insurance Company.

    Prior to our impending move, I had contacted Safeco several times, specifically to inquire about our homeowners insurance coverage with respect to the move. During both conversations, I was told unequivocally that our furnishings would be covered anywhere in the world as if they were at our home, even when the items were in-transit. I relied on this information when I made the decision not to purchase additional insurance from the moving company. Unfortunately, relying on Safeco's assurance was to my detriment when I filed my claim.

    When I filed my claim, I was initially told that our insurance had lapsed which was utterly untrue. Once that issue was resolved, then the claims adjuster told me that they would have to find the recordings of my calls to find out what their employees had said to me. They were able to locate the recordings and it was confirmed that their employees had said what I recalled. As it turns out, my homeowners policy only covers two particular "perils" during a move. If the moving truck had an accident or my items were stolen, then I would have been covered. The fact that our movers had been negligent and damaged our items was apparently not a covered peril. Safeco's employees never told me to review my policy or led me to believe that I needed to do further research on this topic.

    My argument was that it was a lie of omission on Safeco's part, and that any average consumer who was not in the insurance industry would have believed that they were fully covered during the move. Ultimately, even after writing a certified mail letter to the President, Safeco was unwilling to stand behind their employees and denied my claim. This was an extremely disheartening outcome, to say the least. Safeco's website specifically states that "We're standing ready at life's trying moments - here for you at any time, at any day of the week". They also state that "When you have a claim, we take care of it. It's that simple." I certainly don't feel like that is the kind of service that I received with respect to my claim, and I will no longer be doing business with a company that I cannot trust to have my back.

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    Rated with 1 star
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    Verified Reviewer
    Original review: March 13, 2023

    After a windstorm in November, I was left with 12k worth of damage and no electricity. I called to file a claim the same day and the claims adjuster canceled 10 min before the appointment and said he would expedite an appointment for adjuster to come out. After 3 days of waiting to get rescheduled I called and the insurance company had no idea he didn't show up and scheduled a second visit. The second adjuster canceled and said the case would be handled at a desk. Again, no word, so I called and emailed and she said she wasn't capable of handling this type of claim, so she would need to escalate the case. Never was escalated and they will not return calls, answer calls or email. This is the worst I've ever been treated by a company in my life.

    2 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Jan. 21, 2023

    Their Process to get insurance is interesting and so off I would NOT recommend them at all. I used Safeco for my rental property so I decided to use them for my personal home, auto and umbrella. They asked to send some person out to look at my home. He came by, took some pictures, and left. I then get a notice that because I had some trash in my side yard, they decided to not insure me. Trash I placed there cleaning up around the property but was waiting for the rain to end so I can take it to the dump. Not a fire risk. Not an escape route, or other risks. Not really sure other than they simply did not want me as a client. They lost a good client who has 36 years of driving with no tickets and one no-fault accident. 30 years of home ownership with 1 minor claim my insurance got back because of a faulty appliance.

    3 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Sept. 30, 2022

    Please do not misleading Liberty and Safeco, Although all coming from Liberty Mutual. Safeco selected a total different business path: cheap and then worse services. When my house was damaged by plumbing leaking, Without sending licensed estimator, they sent their vendor to play estimator role, the worse was to asked you to sign vendor services agreement without detail services information, If you signed carelessly, Congratulations, you did fell into the trap because some of services not covered by insurance policy. Unfortunately, PA State Insurance Department did not have any regulations. Leave away Safeco and be safe.

    3 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Sept. 13, 2022

    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.

    2 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Aug. 15, 2022

    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.

    2 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Feb. 16, 2022

    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.

    13 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Dec. 30, 2021

    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.

    15 people found this review helpful
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    Safeco Homeowners Company Information

    Company Name:
    Safeco Homeowners
    Year Founded:
    P.O. Box 6476
    Carol Stream
    Postal Code:
    United States