Safeco Homeowners

Safeco Homeowners Reviews

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Overall Rating2.2 out of 5
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About Safeco Homeowners Reviews

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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.

Featured Reviews

Little Elm, TX

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

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
Claims HandlingStaff

Reviewed Sept. 27, 2023

My neighbor had a large tree that fell in his yard onto my fence and my neighbor's brand new fence. The Safeco Liberty Mutual agent denied all claims to remove the tree or repair any parts of the fence. The neighbor cut the tree up that was in his yard and left the larger parts in ours. This was not the first time the tree fell. There were other houses damaged previously. After speaking with the owners I realized their claims for repairs and injuries were denied. How is this even possible?

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Claims HandlingCoverage

Reviewed Aug. 30, 2023

Run as far away as you can from this both names. Safeco/Liberty Mutual homeowner's claim department is a scam. We filed the wind/hail roof damage claim before 2 months, they sent out their own different inspectors four times already and they all said the roof is severely damaged and needs to be replaced. Hail were about baseball size and penetrated through the picnic tables in the backyard leaving large holes. It was severe.

Still the company denied the claim and wants to pay only to repair the roof, which is impossible. We had 3 reputed local roofers came out and inspected roof from our side, all expressed same opinion about there no way this roof can be repaired, it must be replaced. SAFECO which is part of LIBERTY MUTUAL since more than a decade now is deteriorating day by day and losing their credibility. Do NOT ever even think about getting any type of coverage from this company, they offer cheaper premium because they never pays for any type of claims.

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    Customer ServiceClaims Handling

    Reviewed July 26, 2023

    We had a pipe burst in our building and Safeco went through 5 "claims specialist". I don't know if they all quit or what happens. They have no clue what's going on and will make you resubmit bill after bill. We were lucky and could afford to pay for everything and fight to get what money back we could. It's been 11 months and the claim will finally close. We did not get all our money back which is their main goal is to drag it out for so long you just give up. Do not go with this company!! Customer service is untrained and it will take a long time to get the money owed to you. This was the worst company to deal with. They are also known at Liberty Mutual.

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    Customer ServiceClaims HandlingCoveragePricePunctuality & SpeedStaff

    Reviewed June 10, 2023

    First of all, my agent recommended SafeCo to me after MetLife, whom I previously had a policy with, was no longer going to be offering HomeOwners Insurance. I had never filed a Homeowners Insurance Policy before. Every step of the way, SafeCo made the whole process a complete nightmare! First of all, the claims rep that I was assigned to, Matt M, was NOT helpful at all. I asked repeatedly for a list of Roofing Companies that are "preferred" companies that are approved with SafeCo. Yet, he would not communicate a list to me. During two recent windstorm events, 16 shingles had been blown completely off my roof in about 4 different locations. I had contacted a couple of roofing companies to provide an estimate.

    The roofing company submitted about 70 photos to SafeCo showing the damage that occurred to my roof during the storm. The Claims Rep stated that because the photos were taken from the ground, they would need to have a 3rd party called Hancock Home Consultants out of Atlanta to come and inspect the damage. Hancock Home Consultants has a 1.8/5 star rating on Google reviews. And, I can totally see why! I was notified via email that I should be expecting a call from this 3rd party adjuster, Hancock within 2-3 business days.

    When they called, they only let it ring 1 time. Then, they left a voicemail that was totally indecipherable and could not be understood. So, I call Hancock, and they scheduled a time for the adjuster/technician for the following day, Thursday, June 01 between 2-4pm. Then, later that evening, I get a text message from the technician stating that he would be there the following morning at 8:30am. I responded to him and said that I had been confirmed for a time between 2:00-4:00. I never agreed or consented to an appointment at 8:30am as my roofer needed to be present, and would not be available at that time.

    I spent the entire evening on the phone trying to get them to reschedule for the time I was originally promised. We were finally able to find an agreed upon time for the following day. But, it was a difficult and time consuming process. I texted the details of all that had occurred to my SafeCo claims rep. My text was I Un acknowledged and ignored!

    Then, the following Monday, June 5, 2023, I received a phone call from the same claims rep named Matt, who not only denied the claim, but insisted that the cost to replace 16 shingles on my home would cost around $400-$500. Which is ridiculous and absurd!! I asked him if they had made an effort to contact any roofing company in my area to arrive at that amount. And he indicated to me that they had not. Apparently, they run what they want to through an algorithm, and then quote whatever number comes out. And, if it's less than the deductible, which in my case it was, they just deny the claim!

    That amount was absolutely way below what a reasonable amount would be to repair the damage to my roof. Especially Post Covid, when a lot of shingles are no longer being manufactured, and the fact that the costs of materials and labor has completely skyrocketed recently due to inflation! So, I communicated this to him. And, I asked him what happens if the roofing company is no longer in business, or if they no longer manufacture the same color and type of shingles on my roof.

    This SafeCo Claims Rep named Matt M states to me that my Insurance Policy does NOT provide coverage to ensure that the shingles will match. I asked him how he would feel if he or a member of his family incurred damage to their roof, and their insurance company told them they would not do anything if they couldn't match the shingles. He said that he wouldn't like, or agree to that. So, then, I specifically asked him why he is expecting me to be okay with that? He did not answer the question. Only to say that he has to abide by what the policy says. He then went on to tell me that they offer some type of extended coverage that would cover the shingles to ensure that any replacement shingles would match.

    When I offered to pay extra for that, of course, he told me that it was not an option on my current claim. So, why make the situation worse, and add insult to injury by telling me something that is offered, but not available to me. I told him that I understand that policy has to be followed. But, it is unfair and unreasonable to expect the Homeowner to know every single detail of the coverage. And, also that at some point, there should be some effort made to take care of me as their Customer.

    The fact that I have first hand knowledge of other Homeowners insured by SafeCo, who sustained less damage than I did, and had their claim approved, and I did not is a blatant example of discrimination, and targeting/profiling certain customers. And, them favoring certain customers over others. This is a very dishonest and untrustworthy company that goes out of their way to find exclusions or some other excuse to NOT pay claims! Do yourself a favor, and choose any other company out there!! Any other company has to be better than SafeCo and Liberty Mutual!!!

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    Customer ServiceClaims HandlingStaff

    Reviewed May 26, 2023

    I have been a Safeco homeowners insurance customer for over 40 years. I have never had a claim on my home until this last year when we noticed water damage and black mold. Since that moment we have been living a nightmare with your company. I am over 70 Years old and require my my son and granddaughter living with me as I am unable to live by myself due to serious health conditions and am currently on oxygen. Because of this, we require living in a one story home as I cannot go upstairs.

    Since we have had to vacate our home we have had one horrible stressful move to the next. We have been in several hotels way too far from our home and my granddaughter's school, require 45+ mins drive each way. We have also stayed in multiple Airbnbs then to our recent long term rental but with multiple incidents between rentals where we've had nowhere to go. Even at one point my son and I had to wait at a park in the car with our belongings and my oxygen tank that only lasts 3 hours. Now we are yet again about to be homeless and have nowhere to go.

    The only thing that has been consistent is the lack of communication from our agent, Ashley **, Sam **, Kia ** and more. We have continued from the beginning to request a long term rental to avoid the situation we are in now. It is ridiculous that after almost 6 months we are still house hopping and yet again about to be homeless. This is overwhelmingly stressful for all of us. We have been pushed from one place to the next and have had to spend hours upon hours for weeks/months calling for assistance and asking for help to ensure we do not find ourselves homeless and yet here we are again. CRS has been assisting us but can only do so much when they are not getting responses either.

    At this point I am at a true loss. One of your agents (Ashley **) who has been repeatedly unresponsive to me, my son, and the CRS agents and contractors, has continued to state we have denied homes we have not denied, refused to return calls and now without calling me back, sent an email yesterday saying we have nowhere to go and if we stay where we currently are we will be personally responsible for over $5,000/mo in rent. She provided no other alternatives, did not call yet again when she said she would and we are to vacate 5.28.23 (2 days). (Screenshot of email below).

    We cannot afford this and shouldn't be in this situation in the first place as this is why I have paid your company as a home owner for almost 50 years. Additionally, the negligence, lack of urgency and communication has lead to the delaying repairs on our home and we are almost 6 months post the initial claim and move out. Our home is currently packed up with our belongings in storage and not livable as repairs have not begun. We do not have an option of returning to our home as this process has already been dragged out so long due to your company's negligence and we are still months out from having our home repaired.

    All we have asked for is a 3 bedroom, 1 story home within the bus route of My granddaughter's school (20 miles). We have continued week after week, day after day calling, emailing, etc and still we have gotten nowhere. Instead now we have an agent that seems to be intentionally not responding to us, CRS and refusing to assist us. The recent delayed and very rude call was made after hours and not recorded.

    She insulted my son, leading to him hang up, she called back and his girlfriend answered, Ashley then acknowledged she was not me, or my son (not a resident of our home) and proceeding to make false claims about us making outlandish demands, disclosed personal information, stated she would refuse talking to my son going forward and claimed CRS made statements they confirmed not to be true the following day. She stated she would CALL me directly the following day and yet the only communication I have received is the email attached and we still have nowhere to go as of this Sunday, in 2 days.

    At this point we are considering hiring an attorney, going to the media and doing anything I can to get us the help we deserve and paid for, for almost 50 years. This is beyond unacceptable and borderline abusive. The stress and anxiety alone this has caused me and my family has been overwhelming to say the least and obviously not good for my health. I am pleading for assistance. Please, if you can help, contact me at ** Or refer me to someone that can assist us. This is very urgent.

    Nancy H

    Jake H

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    Verified purchase

    Reviewed 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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    Claims HandlingPriceStaff

    Reviewed 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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    Reviewed 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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    Reviewed 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.

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    Reviewed 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.

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    Safeco Homeowners Company Information

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