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Safeco Homeowners
Overall Satisfaction Rating
  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars
Based on 46 ratings submitted in the last year

Safeco Homeowners

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Safeco Homeowners Reviews

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Page 1 Reviews 1 - 10
Rated with 1 star
Verified Reviewer
Original review: Aug. 7, 2019

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.

She also stated that the restoration company was not on their preferred vendor list, so any mold damage due to their recommendation would need to be taken up with them. Um...they sent this person! She then said that sometimes their agents know of local people and call them even if they are not on the preferred vendor list! Needless to say, they didn't pay anything for the damage. And, if I had not contacted them, we would still be waiting for that phone call from them!!

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4 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: June 14, 2019

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.

7 people found this review helpful
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Rated with 1 star
profile pic of the author
Verified Reviewer
Original review: June 14, 2019

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.

5 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Jan. 24, 2019

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!!!

12 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: Dec. 18, 2018

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.

11 people found this review helpful
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Rated with 4 stars
Verified Reviewer
Original review: Nov. 24, 2018

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.

2 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Oct. 19, 2018

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 **!

Ive had MANY contractors tell me Safeco is one of the hardest companies to work with. My adjuster told my contractor they were ONLY paying to patch the repair. Not give my home a makeover. What a ** bag!!! If you are considering doing business with Safeco PLEASE look elsewhere. If I would have known this process would be this difficult I would have NEVER chosen them. Run while you can, YOU ARE NOT SAFE WITH SAFECO!!!

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20 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Aug. 18, 2018

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.

They denied my Window supplement claim, due to "age, wear and tear". This despite the fact that these windows never exhibited this problem until the day after the storm, and the person who denied my Window supplement has absolutely no idea how old the windows are - I don't even know myself, so there is no way for him to know. Absolutely disgusted with how I have been treated thus far, and how obvious these SafeCo reps go out of their way to side in favor of Safeco's best interest.

I've learned a lot of hard lessons, with this being my first big insurance claim. The biggest one being naive enough to think Safeco had my best interest in mind. But I will never make these mistakes again going forward. I have filed a complaint with Colorado Division of Insurance, and I am now looking into hiring a licensed public adjuster to represent MY best interest, to fight for the money that is rightfully mine for these damaged windows. It will be so very satisfying to fire Safeco after this debacle is over.

Never again will I do business with them, never again will they receive a single penny from me for any one of their services, and never will I recommend Safeco to anyone under any circumstances. Learn from my mistake: If you ever have a big homeowners insurance claim, hire your OWN Public Adjuster, so you can see what estimates look like to repair the damage that match some sort of reality, and not some low-ball number that will surely be given to you by the Safeco represented adjuster.

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18 people found this review helpful
Rated with 2 stars
Verified Reviewer
Original review: Aug. 7, 2018

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...

21 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: July 30, 2018

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."

10 people found this review helpful
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Safeco Homeowners expert review by Matthew Brodsky

Safeco is an insurance company that offers an array of insurance packages, including homeowners insurance. They help make obtaining homeowners insurance more affordable by offering discounts and monthly installment plans. Safeco is backed by Liberty Mutual Insurance, which is one of the top 100 largest U.S organizations.

  • Tailored insurance: They provide customized home insurance packages, so every client gets coverage that is specific to his or her needs.

  • Quick quotes: Safeco offers a homeowners' insurance quote in around five minutes and, in just a few minutes more, offer personalized coverage quotes.

  • 24/7 claims assistance: There are service representatives available day and night, 365 days a year, to address all client questions and concerns.

  • Flexible payments: They offer flexible payment options, so clients can either pay in full or spread the cost by paying monthly installments.

  • Savings and discounts: Clients have the opportunity to save on their homeowners insurance bill by offering discounts wherever they can.

  • Best for: Homeowners who want monthly installments and traditional homeowners.

Profile picture of Matthew Brodsky
Matthew Brodsky Insurance Contributing Editor

Matthew Brodsky is an established expert on insurance, having written hundreds of articles and other pieces of content on the subject, interviewed countless practitioners, and attended dozens of conferences and events. He served as an editor at industry magazine Risk & Insurance for six years.

Safeco Homeowners Company Information

Company Name:
Safeco Homeowners
Year Founded:
P.O. Box 6476
Carol Stream
Postal Code:
United States
(888) 723-3260
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