Safeco Homeowners Reviews

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**!

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.

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.

With insurance in all categories on the rise I took the time to read line by line my coverage on the Declaration Page. Thank goodness I did because I noticed coverage(s) added that I never asked for or consented to. They are as follows: Personal Offense Coverage, Refrigerated Spoilage Coverage, Identity Recovery Coverage and Equipment Breakdown Coverage. Granted in total it’s only $46.00/yr but I never asked for them and don’t want them! In my opinion that is very sneaky and unethical to do. My advice: Be sure to read your Declaration Page every year. I’m very disappointed with the under-handed tactic. Other than that, I’ve had no problems but then again I’ve filled no claims EVER.

Poor communication and experience. Significant water damage to interior/exterior of house. Inspector came when I was not home. Denied claim. Did not even enter house to review damage. --- Did not even ask to enter home. I am fine if a claim is denied. But expect the damage to be reviewed first. Sloppy work. He never talked to me about anything before filing his report. Dismissive when I spoke with him. I did speak with my agent. Realized that it would be a waste to pursue.

One and only claim, came out and had our roof replaced quickly, plus some flooring; all prorated so a lot of out of pocket including deductible; then raised my rate from $318/month to $918/month; initial agent was ok, follow up was nonexistent; would NOT recommend.

Safeco/Liberty Mutual Insurance is absolutely the worst experience I have ever had. It took 2.5 years to settle a simple sewer line claim that caused damage to the basement living area. Between "Line Coverage" and home coverage, $100,000 in repairs were needed, and they have paid less than $20,000, dragging it out over 2.5 years. They kept requesting more pictures and details when they already had all the pictures and pages of detailed billing. Don't buy insurance from either of these companies! Their ad says it all, "Only pay for what you need!" You won't get much, so don't pay much.

Check your computer! My agent and I have called over 15x each, all because your company could not collaborate with Key Bank to get my home insurance payment that is taken out of our mortgage received by your billing dept. Not one person there in your customer service department took any accountability for ongoing comedy of errors and fixed the internal problem, instead you blame me. As if that wasn't enough, you are now threatening collections even though none of which happened with your account payable dept was our fault. You will see many more negative reviews from me, so get use to it!

My name is Trygve **. We have insurance on a house that was vandalized. We've been almost a year trying to get the claim processed. We have been hustled from one adjuster to another. We even had to have a deposition done with an attorney for my wife and myself. And now they're hustling us to another claim adjuster who never contacted us. I've been trying to have contact me. And I left them a message over 2 weeks ago.

Horrible company! They don't deserve even 1 star. We never missed a payment, never filed a claim and they sent us a nonrenewal notice after sending a drone, saying our roof was dirty. We had roofer come and inspect and clean the roof and send pictures that the roof was done. They still did not renew us. We just got a better policy for less money at All State. Don't waste your money at Safeco!!