Safeco Homeowners Reviews

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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
  • Multipolicy options
  • Discount programs available
  • Choose your deductible
Cons
  • Limited standard coverage
  • Low customer ratings

Featured Reviews

Little Elm, TX
Verified purchase
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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Shreveport, LA
Verified purchase
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...

Read more

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.

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Safeco Homeowners Reviews

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    Page 1 Reviews 0 - 10
    Customer ServiceClaims Handling

    Reviewed May 22, 2025

    We have been with them for several years and never had a claim. We had to have some ceiling repair and made our first claim - they raised our payments by $300 per month!! They have little to no communication and have been very difficult to deal with. We have found a new provider and can't wait to be done with this awful company.

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    Customer ServiceClaims HandlingCoveragePricePunctuality & SpeedStaff

    Reviewed May 5, 2025

    I just wanted to leave this response to anyone that wanted to look into Safeco Insurance. I have been with this company for a few years. I am relatively new to buying a home, and didn't know the process. I was just looking for assistance. In 2024, I reached out about my deck needing to be replaced, however they denied the claim. They sent an individual to my home in which they call it a "property inspection". This individual came to my home, pulled on my back gate and almost broke it due to the amount of force he gave it.

    I understand SafeCo can send someone out at anytime to my home and do a "property inspection" at anytime so we don't need to go down that road. But, he went straight for my deck. The one I called back in March 2024 for. HE never came in. I'm pulling camera footage to show he only rang the doorbell. Odd to me but because they denied it, I didn't expect someone to come out. He put me on a "do not renew" and explained that if I get the deck fixed I would need to upload pictures of my finished deck. I was a unemployed disabled veteran during this time. I know that the company does not care, so I'm not going to harp on it.

    I fixed the deck, sent it in the pictures and they removed me from the do not renew. However the policy went up due to the price of wood. I continued until today. I found some missing shingles from a storm and told my insurance company and they sent someone out to my property. They denied my roof and now asking questions that they did not ask when they offered me a policy.

    Here it is 2025 and because I attempted to use my insurance, SAFECO is punishing me. My current dwelling for the home is being doubled, Also, they are adding square feet from my deck for the square feet to my home. I have supporting documents showing that my home from the county's website showing what I signed for when I agreed purchase of the home. I am a disabled VETERAN trying to keep my home and SAFECO is a company forcing me out. Just not holding this in from the public eye anymore.

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      Customer ServiceClaims Handling

      Reviewed April 23, 2025

      Absolutely the worse insurance company and customer service I've dealt with, you pay them all this money and when it's time for them to help you with a simple wind damage claim they give you the runaround and won't help you, BRENDEN ** from the claims department is unprofessional and doesn't know how to return a simple email... DO NOT RECOMMEND.

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      Reviewed April 14, 2025

      Worst home insurance company ever. They raised my premiums from around $2000.00 to over $4000.00. Do not do business with Safeco. All they care about is the money. Total scammers. I hope they see this review.

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      Customer ServicePriceStaff

      Reviewed April 9, 2025

      As a salesman and a U.S. veteran, I have never had anyone call me and blatantly call me a wise A** until dealing with this company. In fact, it was pretty comical. I had been contacting them back and forth for hours. I received a call back from a man with a loud voice cursing at me so I proceeded to give him my address and time I get off of work so we can discuss the issue in person as I am not a gifted arguer. :) I've done over 1000 calls to get my customer's insurance switched over for them as a courtesy and after seeing their premium I gave them the number for Geico immediately. Disrespectful and overpriced. Safeco... do better. For reference I called 516 781 6262. Wantagh office. The young ladies I spoke with were fine. The man who called me back. Well you know where to find me. :)

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      Customer ServiceClaims HandlingCoverageStaff

      Reviewed March 12, 2025

      If I was you, I would change insurance companies immediately if you have Safeco Insurance. I have been with them for several years and got my insurance with them because they were highly recommended for their customer service and good rates. But over the last three years they have been extensively raising their rates. My homeowner's insurance has gone up about $200.00 a month this last year and $150.00 the year before.

      On top of that, I just had some rental property that is included in my policy that had some interior water damage that I just now found out about. I put a claim in for it and was told that they would not cover it because I didn't put my claim in for it within 3 weeks of it happening. That is ridiculous after you pay them all that money and then they don't want to pay your claim over something like that. I told them I was changing insurance companies when they denied my claim. She said, "I understand." Oh, I am sure she does after saving the company all that money.

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      Customer ServiceCoverageStaff

      Reviewed Dec. 19, 2024

      I am extremely disappointed in this company. I feel like I was tricked and baited and switched. I was forced to work with a middleman who would not identify themselves as a middleman. Then they say I'm being insured by Safeco which is actually Liberty Mutual which is a company I despise from their past shadeness. Soon after I signed up for insurance they sent me a stupid request about my LLC being additionally insured. Once I jumped through all of these hoops they sent me another email requesting way more information which is going to have to cause me hours of work. Stay away from this company at all costs. They are too big for their bridges. They have terrible customer service and terrible policies. They also have rude customer service representatives.

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      Claims HandlingPriceStaff

      Reviewed Dec. 10, 2024

      I wish I could give zero stars to Safeco Insurance. We moved to Texas three years ago and were referred to a local Safeco insurance agent through our realtor. Initially, we paid nearly $3,900 a year for home insurance in 2023. In 2024, Safeco jacked up our rate to $5,050, which somehow missed our notice. And now, starting 2025, with **no claims whatsoever**, they raised our homeowner's insurance to over **$8,600**!

      We were absolutely shocked by this outrageous increase. I spent all day yesterday shopping for new insurance and shared our story with other agents, all of whom were equally appalled. Thankfully, we switched to Geico, which brought our homeowner's insurance down to $3,570 per year—less than half of Safeco’s new rate! To top it off, they lowered our car insurance (also with Safeco) from $3,000 to just $1,400 annually. Safeco's pricing practices are simply unacceptable. If you’re considering them, **think twice**. There are far better options out there that won’t gouge you with massive, unexplained rate hikes.

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      CoverageStaff

      Reviewed Nov. 19, 2024

      As an Uber driver I would need to have a commercial policy; something that our Geico policy couldn’t provide. And because Safeco is the only option in our area we had to go with Safeco. The woman, Irma, who sold us the policy conveniently left out the part where if I got in an accident and had a rider in my vehicle then I would not be covered. Do you see the hustle? I am an Uber driver. That is what I do. I pick up riders and take them to their destination. So, to sum up, I was sold a policy that gave me no coverage. Irma got her commission, Safeco received their monthly premium payments and now that I just got into a 3 car collision yesterday, I was not at fault, I will personally have to pay for the damage to my car. ($Thousands$) And if the rider, who was in my car decides that she needs medical attention I will be responsible to pay for any and all of her medical expenses.

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      Customer ServiceClaims Handling

      Reviewed Nov. 14, 2024

      Don't call them asking a question or a conversation because they would turn into a claim and now it's hard for me to find homeowners insurance! They have duplicates of claims for me that should have just been a conversation and they won't fix it with Nexus Lexus! Find an insurance company that would educate you, not these clowns.

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      Safeco Homeowners Company Information

      Company Name:
      Safeco Homeowners
      Year Founded:
      1923
      Address:
      P.O. Box 6476
      City:
      Carol Stream
      State/Province:
      IL
      Postal Code:
      60197
      Country:
      United States
      Website:
      www.safeco.com