Safeco Homeowners Reviews

Please do not misleading Liberty and Safeco, Although all coming from Liberty Mutual. Safeco selected a total different business path: cheap and then worse services. When my house was damaged by plumbing leaking, Without sending licensed estimator, they sent their vendor to play estimator role, the worse was to asked you to sign vendor services agreement without detail services information, If you signed carelessly, Congratulations, you did fell into the trap because some of services not covered by insurance policy. Unfortunately, PA State Insurance Department did not have any regulations. Leave away Safeco and be safe.

Spent over a month convincing my VA mortgage lender (Caliber Home Loans) that my amortized mortgage payment was sent to Safeco, thus my policy should be active and I should be able to submit a claim for storm damage that occurred to my home. Finally proved that my payments were sent to Safeco and got my policy active after weeks of phone calls, etc, and then Safeco then declines to pay anything for my claim. Word of wisdom, If you get cheap scam insurance, don't expect them to pay for any damages, they will worm out of any payment. Pay a bit more to be treated like a paying customer versus paying a premium that returns basically nothing for you. I made the mistake of letting my mortgage lender (Caliber) choose my home owner policy (Safeco) for me, Don't let them choose for you, pick your own, you will be much better off and save a ton of grief and time.

I have never written a review on any institution, service industry establishment, or insurance company until now. I have been a customer of Safeco Insurance for many years because, I felt encouraged by the fact they are associated with my banking institution (I will not name). However, this is the second time I have been spoken to with a condescending attitude and this time it was insulting. I use to have a bundled policy with auto as well as homeowners coverage, but with comparison shopping found the auto insurance policy was merely double the amount of larger insurance carriers. After a review of my current claim, I still intend to file. In regards to their claims representative, both women I have spoken to are exceedingly rude. I am very disappointed in the customer service with the homeowners claim department has provided with handling two of my concerns.

I found out I was dropped by receiving a refund check in the mail. When I called my agent (who also wasn't aware of this), I found out that I'd been dropped for a porch issue I was already in the process of fixing. Once fixed I sent proof that the problem was resolved. They then claimed that they wouldn't take me back because of the age of my house. This wasn't an issue when I first got the policy. I am so unhappy with the way I was treated. If you have a historic home, even if it's been updated like mine has been, do not go with this company.

Purchased policy with new home, title company sent them a check for first year's premium, they sent it back to the title company uncashed. Meanwhile, lender insures me because I have no coverage. By the time I find out about this from the title company, Safeco wants premium AND a fee to "re-instate" policy. One month later they want another $158 because I "let my policy lapse" and my rate went up. All because they failed to process the check they were sent on the day my home sale closed. Five phone calls to them and even when their agents admitted they screwed up, no one could fix it. Cancelled them after the last call. Horrible horrible customer service.

Our house had a new roof in 2017. In May 2020 there was a 2.5" diameter hailstone storm. We didn't file a claim until December 2020 when a roofer examined the roof and provided detailed evidence of damage with many photographs. Roof had obvious divots throughout. The Safeco company adjustor disagreed vehemently, picked a portion of the roof under a tree as his sample "right" and denied claim saying roof only had "blistering" by unknown cause. Roofer said worst damage claims response he had ever seen. We were successful in replacing other rental property roofs insured with another company using this same roofer and his submitted evidence. We challenged the finding with SAFECO and a claim for $1100 was issued which no roofer would accept because damage was all over roof, they couldn't touch it for so low a price. Then we were told that our house wasn't insurable at renewal time, with an outstanding claim.

No adjuster would come out and actually see damage on my brand new house. They just estimated it by pictures then no one is ever there to answer phone. And adjusters are not very professional. I was told this was good place to trust but I don't know now. Very unsatisfied.

I have not had to place a claim so I cannot say how their customer service is, but the cost is very reasonable for good coverage. Their website is easy and convenient to use to check your policy details.

I am very happy with Safeco. I have only had the homeowners policy for one year and it saved me almost $900 in comparison to other carriers. Unfortunately there are some additional endorsements aren't available through Safeco's homeowner policy.

I have been with Safeco for many years. They have great coverage and their rates are very reasonable. The times that I have spoken with them they have been extremely knowledgeable, helpful, and courteous. Luckily I have never had to file a claim with them. But if I ever do I am sure I will be treated fairly and in an expeditious manner.

I have been with Safeco for a few years. I got sick with Covid and was sick for a month and a half and I ask for an extension from 15th to the 22nd. Being sick still, I trusted everything was going okay and they had taken the 164.00 from my bank account only for my son to hand me mail where my bank had written to me that Safeco stated I had called and canceled my policy. A extension is not a cancellation. I won't write names out of respect but lady 1 tells me it was my broker who canceled, that was a lie. The broker lost her business four years ago. She transferred me to lady 2. She placed me on hold, comes back and said she had called broker and had given my name and number but she did try and restart my policy while having me on hold. She tells me and provided the broker number. Safeco lied!!! I had to rush and get another policy because Safeco put me in a uncomfortable position by lying to my bank!!

For six months, Safeco has been unable to get my billing correct. They are supposed to be paid from my credit card and escrow with my mortgage company. Neither is happening. They don’t bill, then they cancel the accounts, then they send letters threatening me with collections. Customer service is nonexistent, they just say contact the agent.

In September I called Safeco's general number and requested a quote. I was sent one via e-mail and decided to go with another carrier (StateFarm). Two months later I began receiving past due notices stating that premiums had not been paid. How the hell was a policy even opened without my consent? I called to complain to Safeco and the response? "We're not sure how that happened." In a day and age where large financial institutions such as Wells Fargo have been caught illegally opening accounts on consumers' behalf without their consent, I found this completely alarming. Do not trust Safeco - they clearly are up to fishy business.

After not hearing from Safeco for a month, they came through and paid for the repairs on my roof. I had given up! But I am very happy that the payment came though!

I am a RN working during the pandemic. Safeco rep made a billing error 2.5 years ago and is forcing me to pay all of those premiums in one year. Their “presidential team”? Samantha ** did not hear me and recorded errors in her email about what I said. No acknowledgement of errors despite trying to correct this by email and phone. Terrible service. They can’t even apologize for their errors.

This experience with Safeco has been a nightmare. The buck has been passed so many times that I have lost count. Water damage in 12 different places in the interior of a rental home (luckily the house was unrented at the time) resulted from storms during roof installation and resulted in soggy carpets, soaked dry wall in ceiling and walls, buckling floors, damaged hardwood flooring. The adjuster coming to see the damage approximately two weeks after it occurred recommended a low ball amount of money to repair. It would seem that he didn't understand the nature of water and the damage it causes traveling in a line throughout the entire eastern side of the house, but I find that difficult to believe.

I can’t write in 200 words about everything that happened. Stay as far away from this company as you can. Talk to contractors and the number one company that is the worst is Safeco also known as Liberty Mutual.

After a heavy snow there was damage to the roof of our well house. I called the claims number on my policy which I have had for over 12 years. I am in Washington and the adjuster was in Texas. He assured me he would help me with my claim. After many pictures and emails, I was told the claim was denied. When I asked for an explanation, he would not return my calls. A company review followed and the adjuster made up a list of voicemails he supposedly made. We are self quarantined and did not miss any calls and no calls were left on my machine. After reading other reviews on this site, I realize my experience is common. Do not buy insurance from Safeco. Put your money in the bank instead.

I have a wind damaged roof from a recent storm. All my neighbors filed claims and got new roofs, some of which have homeowners policies from companies that are notorious for not paying roof claims. Safeco denied my claim, said my roof wasn't installed properly, which isn't true. The "independent" inspector lifted shingles for nearly half an hour till he found one that had one bad nail, took a picture of that and said roof was installed wrong. To make things worse, the claims adjuster was very unprofessional, rude, a complete know-it-all (yet knows nothing) and uncaring. I have a roof inspection report when I bought the house, it was fine then. I'm not sure how this type of behavior isn't criminal, these inspection companies are clearly in bed with SafeCo to see everything their way. The roofing companies I have quotes from strongly disagree with the report, laughing out loud disagree.

I've had Safeco Insurance for about 30 years. I absolutely love my agent. He is always extremely helpful and professional. I accidentally left my water running on hot in my utility room on the main floor with a daylight basement below. Needless to say half the house needed repair. They were amazing to work with. Even though the repairs were over $100,000, then fixed everything and put me up in an apartment for six months while repairs were being made and paid to move me there. I would highly recommend them to anyone.

I had to file a claim due to a burst pipe. The excessive water then caused some damage to the piers under my home (cottage). I was told by Jennifer ** that my claim is approved and the water and mold issue would be addressed immediately. This is currently during the pandemic so everything is being done virtually. I had three estimates for the damage.

We signed up for Safeco because our agent said that it would be cheaper than Encompass. We agreed to take it. They agreed to insure our home at the same level that Encompass had insured it. When they came out to look at the house that said that they would only insure it at half the cost it has been insured for -- for the past ten years. It was a bait and switch tactic. I think the evaluator was on something when he came out to take pictures. Be careful of these sleuths, they will burn you.

I made a appliance claim. Our representative doesn't answer my calls or emails. Worst representative ever!!! I paid for the repairs myself and quit trying to get Safeco to pay for repairs. They were of no help whatsoever!!!

Worst claim ever filed. Took 8 months to settle and get home repaired. Resulting in my being out of pocket 2.5 times my deductible. Every week or two they change claim rep assigned, causing me to start over proving every detail each time. Claim handled by Liberty Mutual out of California office even though I am in Dallas area where they have a huge presence.

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.

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.

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.

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!!!

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.

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.