Safeco Homeowners Reviews

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!!

If I could give a minus rating, I would. DO NOT USE THIS COMPANY! I had my auto and homeowners insurance with them for 20 years, and when I needed to file a claim, the company, ranging from customer service to adjusters, was awful. My auto rates kept going up, even though I had no accident for 15 years! When I did file an auto claim, the adjuster was never available and the adjusters manager had the nerve to tell me that they were doing me a favor by servicing my account! In an email, nonetheless! When I requested that this manager stop contacting me and that another manager be assigned to my claim, the arrogant manager contacted me yet again, to lie about how great their customer service was. I had to threaten to sue for harassment in order to get them to stop contacting me.

Run away! Apparently Safeco doesn't cover your vehicles if they are damaged during a storm. Now, they cover other people's vehicles that are at your residence, just not the policyholder's vehicles! Absolutely the worst company I've ever encountered. My agent told me that if I filed a claim, it would probably be denied. Then said, "You can file one, but your rates will go up even though it's denied!"

Absolute HORRIBLE EXPERIENCE with Safeco.... Had to make a claim for water backup in basement of our home (after a decade of no claims) and they took 2.5 Months to pay half of the amount to fix everything and after I had to do absolutely everything to get bids from contractors and submit what it really would cost to fix. They took another month to give me a check for 3/4 of what it would cost to fix and then they cancelled me without paying the rest of MY MONEY!!! DO NOT USE THIS COMPANY BECAUSE THEY WILL NOT PAY YOU FOR A CLAIM!!!!

I recently received a Non-pay cancellation letter from Safeco on a home I sold six months ago. I requested cancellation of the policy at that time. I just spent over 45 minutes trying to reach a live person regarding the letter. The phone number for the agent listed on the letter was to an insurance agency in Utah. They were confused as to why I was given that number as they don't write policies in Nevada where I am located. I then tried multiple phone numbers I found online for Safeco. None of the numbers I found would connect with a live customer service agent. I am just profoundly thankful I never had occasion to contact Safeco when they were active as my insurance co. I certainly would never consider them for my insurance needs in the future.

Seeing the reviews for this company on here is something I wish I did before I followed the recommendation of my insurance guy. I had 3 properties covered by this company. Just fired them for all 3 and switched to USAA. In short, I had a catastrophic repair at my home and this company couldn't care in the slightest. No adjustor came out. The one I had assigned to me wasn't interested in helping me in the slightest. Essentially, I believe their policy is to say no to everything. They kept asking for pictures that we had already sent, over and over. They made zero effort. I told them I was going to cancel my policies with them, and they didn't flinch or attempt to retain me in anyway.

This company has bad customer service. We were with them for over 25 years and put a claim in. No adjuster came and looked at the damage and they went by what the company fixing it told them which was not right. I ask for a adjuster to come and look and was told there is no adjuster where I live. Well after talking to the adjuster for over a month which he would never return calls or emails. I finally recieved a email saying the claim was denied, I tried calling again and emailing but get nothing. So please be prepared to be treated like crap if you have this company for any insurance. PS we have 5 home owners policies with this company and today we will be looking for a new company.

Unfortunately, this company is terrible with communication. I had them write me a homeowners policy and send me confirmation that the policy was in place and it was their job to reach out to the mortgage company so they can get paid. Well after 90 days they sent me a cancellation document and so when I reached out they claim that they were not at fault and that I had access to, their portal to receive communication. After sending them proof that I did not have access to that and that they had the right information and failed to reach out to the mortgage company, they refused to take blame and then said they would not reinstate without a penalty against me Stating that I didn’t have coverage any of those days even though I paid the first month out of my own pocket. Their escalation team is an absolute joke.

The only notification we received from Safeco was a one sentence letter and a partial refund check. No explanation was given directly to us, and no end date of coverage was provided. These people are crooks!

Our claims representative has been very slow. First off, contacting by phone proved very difficult, constantly forced to leave a message and wait for a return call. When he finally came to review the damage he left stating he would send a breakdown of the claim payout. It has been over 2 weeks and still nothing. My first email went unanswered. A week later my second email got a response stating he was changing positions and would have something to us by week's end. We still have not received anything. Very disappointing service.

With a 1.5 stars on the BBB I understand now. This company will continuously increase your rates and will deny your claims. I really can't understand how they are still in business. My claim was denied in 2 days without receiving any evidence from us. Stay far far away. They do not care about you or your property, only their bottom line.

Updated on 11/18/2023: We are having challenges with Safeco/Liberty Mutual on a claim. This claim began when we had a fire suppression pipe broke and flooded our home on 11/19/2022 while we were out of town. We have tried with limited to no luck at all to resolve this claim since November 2022 and have had nothing but delays, troubles, harassment, frustration, sleepless nights and tears. This has been one of the most horrible experiences we have ever had.

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?

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.

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.

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.

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.

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.

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!!!

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.

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.

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.