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Safeco home insurance review

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Cover the essentials with local agent guidance, but beware of average customer ratings.

  • Get a quote if prefer to shop through an agent.
  • Pick something else if you’re looking for stellar customer service.
  • Homeowners with bundled policies may get the best premiums.


Available states

24/7 claims

Online quotes



  • Local agent support
  • Convenient, online claims
  • Video damage estimate option
  • Backed by Liberty Mutual
  • Equipment breakdown coverage


  • Average customer reviews
  • No safety discounts listed
  • Negative media
New home discount discount No
New homeowner discount Yes
Home safety features discount Yes
New policy discount Yes
Bundling discount Yes
No claims discount No
Other discounts Pay Your Bill in Full
Personal property coverage Yes
Valuable personal property Yes
Theft coverage No
Fire coverage No
Flood coverage No
Identity theft coverage Yes
Homesharing No
Dwelling coverage No

Review by

Sarah George is a writer at Finder who unravels complicated topics about insurance, business and finance. She's been wordsmithing for nearly five years, after earning an English education degree. Her insurance know-how has been featured on You can usually find Sarah sipping hot tea and talking through movie plots in her downtime.

Expert review

Safeco offers comprehensive home and contents coverage as well as a solid string of discounts to help you save on your premium. It emphasizes personal service by pairing policyholders with independent agents across the country.

But if you’d prefer an insurer with stellar customer service ratings, compare other home insurance providers.

What home insurance coverage does Safeco offer?

Lay the foundation with these essential coverage options, alongside a few other helpful choices from Safeco.

  • Liability. Shield yourself from paying out of pocket for medical expenses or court fees if someone gets injured on your property.
  • Dwelling. Protect your home from damage.
  • Personal property. Protect your belongings at home, on the road or even abroad. Covered items include sports or kitchen equipment, electronics, furniture, books or clothing.
  • Valuable articles. Cover special items that you name on your policy for an agreed value, no deductible involved.
  • Personal property replacement cost. Replace the true value of personal possessions up to your chosen coverage limits.
  • Additional living expenses. Pay for temporary living expenses like food and hotel rooms up to 24 months while your house gets back to top shape.
  • Green replacement equipment breakdown. Opt for this coverage for $2 per month to replace covered appliances with Energy Star-rated ones after it breaks down.
  • Identity recovery. For a $1 a month, get financial help in restoring your identity, including lost wages, professional assistance and other expenses.

What discounts can I get with Safeco?

This company houses a few easy discounts that you’d expect to find for home insurance.

  • Single deductible. When you bundle home and vehicle policies, you could qualify for single deductible coverage if your home, car, RV or other covered vehicles all get damaged at the same time.
  • Home and auto bundle. Cut your premium up to 15% by purchasing insurance for both your home and other vehicles.
  • New home. Find savings when your home is less than 10 years old, which means less chance for home repairs.
  • Paid in-full. Take on your full premium in one payment for this easy-to-get discount.

Pros and cons of Safeco home insurance


  • Local agents. At Safeco, your independent agent can be your go-to for questions and policy changes.
  • Simple, 24/7 claims. Safeco sets up a smooth process with online claims filing and meeting your adjuster through a video call.
  • Sound finances. Safeco is backed by the big-name insurer Liberty Mutual, helping the company stand on firm financial ground.
  • Equipment breakdown coverage. Replace certain appliances with an ecofriendly equivalent.


  • No safety discounts listed. The company doesn’t advertise common discounts for devices like fire sprinklers, theft alarms or security systems.
  • Average ratings. Safeco was ranked number 21 for best home insurance companies by J.D. Power, but its scores were average at best.

How to apply for Safeco home insurance

To start a Safeco home policy, apply online or through a local agent. You can find the nearest agent by using the company’s independent agent location tool, which searches for agents by address, state or agency name.

To apply online:

  1. Enter your ZIP code and select Homeowners from the home insurance quotes page. Click Start Quote.
  2. Enter basic personal information to begin. Click Next.
  3. Enter basic details about your home. Click Next.
  4. Confirm specifics about your home’s size and construction. Click Next.
  5. Complete questions about discounts you might qualify for.
  6. Receive your quote, choose coverage and start your policy. Note that some homeowners may need to contact a representative to finish their estimate.

What info do I need to apply for home insurance with Safeco?

Safeco may ask you to provide some key information for the most accurate quote, including:

  • Name
  • Address
  • Email
  • The year your home was built
  • Square footage
  • Number of stories
  • Number of bathrooms
  • Details about occupants and home use

How do I make a claim with Safeco?

The company keeps the claims process quick and easy with around-the-clock service, including online and phone reporting options.

  • Online. Report damage details directly from your online customer account.
  • By phone. Describe your situation to a phone representative at 800-332-3226.
  • Mobile app. Access your online claims on your phone through your customer account.
  • Video chat. Meet your claims adjuster through a video call for a fast and easy damage estimate.

Alternatives to Safeco

Name Product Storm & water backup Valuable property Enhanced rebuild Homeshare coverage Available states
USAA home insurance
All 50 states
Enjoy great rates and wide coverage with USAA. Available to military members and family.
Allstate home insurance
All 50 states
Protect your home and belongings and save even more by bundling insurance with Allstate.
Kin home insurance
Get coverage fast with policies designed to protect coastal homes.
Policygenius home insurance
All 50 states
This online marketplace does most of the work for you, matching you with quotes from 14 highly rated home insurers.
Progressive home insurance
All 50 states
Protect your home and auto insurance with Progressive to save a bundle.
Liberty Mutual home insurance
All 50 states
Invest in affordable insurance that protects your home and your property from damage no matter where you live.

Compare up to 4 providers

Frequently asked questions about Safeco home insurance

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