Safeco
- Inexpensive add-on coverage options.
- Single deductible option for home and auto claims.
- Below average for customer satisfaction in recent J.D. Power studies.
About Safeco home insurance
Safeco homeowners insurance earned 3.8 out of 5 stars for overall performance.
Safeco is owned by Liberty Mutual, which makes it part of one of the largest insurance companies in the United States. The company’s policies are available across most of the U.S.
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Answer a few questions to see custom quotes and find the right policy for you.Where Safeco home insurance stands out
Affordable add-on coverage options. With Safeco, you can add identity theft coverage to your policy for $1 a month. It also advertises coverage for the breakdown of major appliances for $2 a month.
Single deductible option for claims. Should a single disaster strike both your home and your car, you’d have to pay only one deductible instead of two if you have both policies with Safeco. (This coverage isn’t available in all states.)
Where Safeco home insurance falls short
Third-party ratings. Safeco scored below average for customer satisfaction in two recent J.D. Power studies.
What Safeco home insurance covers
These types of home insurance coverage generally come standard:
- Dwelling
Dwelling coverage pays to repair or rebuild the structure of your home after a covered event. It also covers attached structures, such as porches.
Typical amount: Enough to rebuild your home.
- Other structures
Other structures coverage pays to repair or rebuild stand-alone structures on your property, such as a fence or shed.
Typical amount: 10% of dwelling coverage.
- Personal property
Personal property coverage pays to repair or replace stolen or damaged belongings. Personal property coverage comes in one of two options: actual cash value or replacement cost.
Typical amount: 50-70% of dwelling coverage.
- Loss of use
Loss of use coverage, sometimes known as additional living expenses coverage, helps pay temporary living expenses while your home is being repaired. This can cover hotel stays, home rentals and meals.
Typical amount: 20% of dwelling coverage.
- Personal liability
Personal liability coverage pays if you injure someone or cause property damage unintentionally or through neglect.
Typical amount: $100,000 to $500,000.
- Medical payments
Medical payments coverage pays to treat someone injured on your property, regardless of who’s at fault. It also pays if you, a family member or a pet injures someone away from your home.
Typical amount: $1,000 to $5,000.
For more details, see What Does Homeowners Insurance Cover?
More Nerdy Perspective
When shopping for home insurance, make sure you're getting enough to cover the cost of rebuilding your home if it's destroyed. Your home insurance agent or insurer should be able to help you calculate the replacement cost. For your belongings, you'll generally need personal property coverage limits that are at least 50% of your dwelling coverage amount. Learn more about how much home insurance you need.
Optional Safeco home insurance coverage
Safeco offers the standard types of home insurance coverage along with several optional features, including:
Valuable articles coverage. Adds extra insurance for high-value items like jewelry or art.
Equipment breakdown coverage. Repairs or replaces major household appliances that experience electrical or mechanical problems.
Extended dwelling coverage. Offers extra coverage in case you exceed your policy limit when rebuilding your home after a disaster.
Identity recovery coverage. Reimburses money spent recovering from identity theft.
Personal property replacement cost coverage. Pays the actual cost of replacing a damaged or lost item, rather than its present-day value.
Service line coverage. Pays to repair problems with underground utility lines on your property.
Safeco offers a single loss insurance deductible option for anyone who bundles home insurance with other Safeco policies. This means you'll pay only one deductible even if you have to make multiple types of claims for a given incident. Say a tree falls and damages both your garage and car. You'll need to cover only the home deductible rather than both the home and car deductibles.
Safeco also partners with American Home Shield to offer a home warranty in some states. For a fee, this service provides discounted repairs for wear and tear on household systems and appliances.
Coverage options may vary by state.
What's not covered
Standard Safeco homeowners insurance policies don’t cover damage due to:
Flooding.
Backed-up sewers or drains.
Lack of maintenance.
Wear and tear.
Optional coverage may be available for some of these scenarios.
Where Safeco home insurance is available
Safeco home insurance is available in every state except Delaware, Florida, Hawaii and Washington, D.C.
Availability may change at any time. Coverage may not be available to all homeowners in a given state.
- Find the best home insurance in your state
Discounts
Safeco doesn't have a huge array of price breaks on its home insurance, but you may be able to get discounts for:
Installing a burglar alarm or sprinkler system.
Buying a newer home.
Getting a quote in advance.
Adding umbrella insurance from Safeco.
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Answer a few questions to see custom quotes and find the right policy for you.Consumer satisfaction
Complaints: One strong sign of consumer satisfaction is how many people complain about their insurance company to state agencies. Safeco gets a middling score on this measure, drawing an average proportion of home insurance complaints compared to other U.S. insurers.
How we determined our complaint scores We analyzed three years' worth of complaint data from the National Association of Insurance Commissioners. When comparing insurers, we accounted for company size and total premiums.
Third-party reviews: Safeco had one of the lowest scores in J.D. Power’s 2025 U.S. Property Claims Satisfaction Study. It also came in below average in the 2024 U.S. Home Insurance Study.
- What Reddit users say about Safeco
Reddit is an online forum where users share their thoughts in “threads” on various topics, including financial subjects like home insurance. We used artificial intelligence to browse Reddit forums for posts about insurers, then manually sifted through the results and summed up consumer sentiment about each company. People post anonymously, so we cannot confirm their individual experiences or circumstances.
Reddit comments about Safeco home insurance are mixed. Many posters report big jumps in their homeowners insurance rates. However, others respond to say that this is common throughout the insurance industry due to inflation. A few Redditors also complain about Safeco’s customer service, claims handling or non-renewal of their policies.
Some posters report positive experiences with Safeco. They list things like solid coverage, good claims handling and acceptance of a wide range of dog breeds. (Many homeowners insurance companies won’t cover for certain breeds such as pit bulls or Rottweilers. Learn more about homeowners insurance and dog bites.)
How to file a claim with Safeco
You can file a Safeco home insurance claim on the website or mobile app. If you’d prefer to speak to a live person, call 800-332-3226. Once the claim is in progress, you can track its status through your account on the website or in the app.
Here are some key things to remember when filing a home insurance claim:
Document the damage. Take photos and create an inventory of damaged items. Provide details like labels and model numbers if possible, especially for more expensive items. Once you've documented the damage, you can make temporary repairs if it's safe to do so.
File your claim as soon as possible. This is especially important if the damage was caused by a storm, as it likely means other homes in the area were also affected.
Save your receipts. You may end up spending money on temporary repairs or living expenses before getting a payment from your insurance company. Keep all receipts so you can submit them for reimbursement later.
For more information, see how to file a home insurance claim.
How to contact Safeco customer service
Your local agent can provide support for issues such as policy changes and questions about your premium. You can also call the company at 800-332-3226.
Online tools
Website: You can file a claim and pay your bill through Safeco's website. Safeco also offers a blog with articles on various topics, including homeowners insurance.
Mobile app: Safeco's app is available for iOS and Android. You can use it to file a claim, pay your bill, view policy documents and more.
Other home insurance companies to consider
Not ready to make a decision? You may be interested in these other homeowners insurance companies:
- See all NerdWallet home insurance reviews
How we rate homeowners insurance
NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.
In our research, we analyzed:
More than 270 million homeowners insurance rates.
More than 100 insurance companies.
Nearly 200 homeowner profiles.
View our complete homeowners insurance rating methodology.
Frequently asked questions
Does Safeco offer a home warranty?
Does Safeco offer a home warranty?
Safeco partners with American Home Shield to offer policyholders a discount on home warranties. A home warranty covers wear and tear on home systems and appliances. Standard home insurance typically doesn’t cover normal wear and tear.
How can I get a Safeco home insurance quote?
How can I get a Safeco home insurance quote?
You'll need to contact an agent to get a Safeco home insurance quote. A search tool on the company’s website can help you find an agent near you.
What other types of insurance does Safeco offer?
What other types of insurance does Safeco offer?
In addition to homeowners insurance, Safeco offers a variety of other policies, including:
Motorcycle insurance.
Boat and watercraft insurance.
RV insurance.
Umbrella insurance.
Why did Safeco raise my rates?
Why did Safeco raise my rates?
Insurance companies may increase rates for a variety of reasons, even if you’ve never filed a claim. For example, high inflation in recent years has made it more expensive to repair or rebuild houses after a claim. As a result, many insurance companies have raised their rates to keep up. Hurricanes, wildfires and other disasters have also led to significant claim payouts for many insurers. See what to do if you can’t afford your homeowners insurance.
Can Safeco require me to replace my roof or trim trees to keep my coverage?
Can Safeco require me to replace my roof or trim trees to keep my coverage?
Yes, insurance companies have the right to decide which properties they’re willing to cover. They may decide that a home with an older roof, overhanging trees or other hazards is a risk they don’t want to take on. Insurers are increasingly using aerial technology to inspect and photograph houses from above. You may be able to dispute a non-renewal decision if you’re willing to make the requested repairs or you can prove there’s an error in the aerial photos.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.J.D. Power. 2025 U.S. Property Claims Satisfaction Study. Accessed Sep 8, 2025.
- 2.J.D. Power. 2024 U.S. Home Insurance Study. Accessed Sep 8, 2025.
Star rating methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverage, discounts, claims process and website functionality. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews or star ratings.
Here’s how we weighted each category to come up with our list of the best home insurance companies:
Consumer experience (40%).
Financial strength (30%).
Coverage (25%).
Discounts (5%).
Read our full home insurance ratings methodology for more details.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period.
NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
