Safety Homeowners Insurance Review 2024

Safety Insurance sells homeowners policies in three New England states.
Sarah Schlichter
By Sarah Schlichter 
Updated
Edited by Caitlin Constantine

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

insurance-product-card-logo

Safety Insurance

4.5

NerdWallet rating 
Regional insurer that sells home insurance in three New England states.

Coverage options

About average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected
insurance-product-card-logo

Safety Insurance

4.5

NerdWallet rating 
Regional insurer that sells home insurance in three New England states.

Coverage options

About average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected

About Safety home insurance

4.5

NerdWallet rating 

Boston-based Safety Insurance sells homeowners insurance in select parts of New England. It earned a NerdWallet rating of 4.5 stars out of 5 for overall performance, standing out for its ultra-low number of consumer complaints. Safety home insurance is worth considering if you live in New England and want to work with a local independent agent to find coverage.

Hosue and clouds
Get home insurance quotes in minutes
Answer a few questions to see custom quotes and find the right policy for you.

Our star ratings are based on consumer complaint data from the National Association of Insurance Commissioners; financial strength grades from AM Best; coverage and discounts available; and the overall consumer experience. See our criteria for evaluating home insurance companies.

Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy in order to help you choose the financial products that work best for you. Here is a list of our partners, and here’s how we make money.

Where Safety stands out

Consumer complaints. Safety draws very few complaints to state regulators for a company of its size, indicating that most policyholders are satisfied with their coverage.

Optional coverage packages. Safety offers bundles of valuable add-ons such as guaranteed replacement cost coverage for your home and water backup coverage.

Where Safety falls short

Availability. Safety serves only three states in New England. Homeowners elsewhere will need to find a different carrier.

Website. Although Safety’s site has some basic functions like online bill payments, it doesn’t allow you to get a quote or offer easily accessible information about the company’s policy options.

State availability

Safety sells homeowners insurance in Maine, Massachusetts and New Hampshire.

Safety home insurance coverage

You can customize your homeowners policy with numerous add-ons, but below are the types of coverage that generally come standard:

Type of coverage

What it does

Pays to repair or rebuild the structure of your home.

Covers damage to unattached structures such as sheds or fences.

Pays to repair or replace personal belongings such as furniture or clothing.

Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.

Covers legal expenses and damages if you're responsible for injuries to other people or their property.

Covers injuries to guests in your home, regardless of fault.

Besides these basics, you may also be able to add:

  • Personal cyber insurance, which can help you recover lost data and restore compromised devices or networks.

  • Equipment breakdown coverage in case a major appliance or system fails. This could include things like HVAC systems, generators and kitchen appliances.

  • Service line coverage, which can pay for damage to underground lines that connect your home to public utilities.

You can also bolster coverage with optional upgrade packages, including:

Safety Supreme Plus. This package comes with:

  • Higher limits for jewelry and silverware.

  • Water and sewer backup coverage in case a sump pump fails or a drain backs up into your home.

  • Ordinance or law coverage to bring your home in line with current building codes after a covered claim.

  • Service line coverage.

  • Extra liability coverage. 

  • Guaranteed replacement cost coverage, which will pay the full price to rebuild your home even if it’s above your policy limit.

  • Broader coverage for your belongings.

  • Personal injury coverage for things like slander and libel.

Safety Complete. Coverage for this package includes everything in the Supreme Plus package along with identity theft reimbursement, increased water backup and equipment breakdown limits, and coverage for business property on the premises.

Safety home insurance rates

The average cost of Safety homeowners insurance in New Hampshire is $1,065 per year, according to NerdWallet’s rate analysis. That’s slightly more than the state average of $1,000 per year.

In Massachusetts, Safety homeowners insurance costs an average of $1,525 per year, just below the state average of $1,545 per year.

Rate data wasn’t available for Safety Insurance in Maine.

Our sample rates are for 40-year-old homeowners with good credit, a $1,000 deductible, $300,000 in dwelling coverage and $300,000 in liability insurance. Your own rates will be different.

Discounts

Depending on where you live, you may be able to save on your Safety homeowners insurance premium by:

  • Bundling your policy with Safety auto insurance.

  • Signing up to receive documents electronically.

  • Buying a new home.

  • Not having any recent claims.

  • Having a fire or burglar alarm in your home.

  • Being a loyal Safety customer.

Consumer complaints

Safety had far fewer than the expected number of complaints to state regulators relative to its size for home insurance, according to three years' worth of data from the National Association of Insurance Commissioners.

Consumer experience

Website: You can’t get a quote or find many details about Safety’s homeowners insurance coverage on the company website. However, you can log in to your online account to pay bills, view your policy information and find agent contact details.

App: Safety’s app offers the same services as your consumer web portal, including bill payments, claim reporting and seeing agent information.

Claims: You can report a home insurance claim by contacting your agent or calling Safety directly at 800-951-2100. You can also file and track claims through your account on the website or in the app.

Customer service: For help, you can reach out to your local agent or call Safety at 800-951-2100.

The bottom line

Safety Insurance may be right for you if you’re a New Englander who wants to work with a local agent to find the best coverage. But it’s not the best option if you prefer to shop for insurance online.

Current Product

Safety Home Insurance
Amica Home Insurance
Hanover Home Insurance
NerdWallet rating 

4.5

/5
NerdWallet rating 

5.0

/5
NerdWallet rating 

4.5

/5

Complaints to NAIC 

Far fewer than expected

Complaints to NAIC 

Far fewer than expected

Complaints to NAIC 

Far fewer than expected

Coverage 

About average

Coverage 

About average

Coverage 

More than average

Discounts 

Average set of discounts

Discounts 

Average set of discounts

Discounts 

Average set of discounts

Bottom line 

Regional insurer that sells home insurance in three New England states.

Bottom line 

Well-established insurer known for great customer service.

Bottom line 

Best for homeowners looking for many ways to customize their policy.

Other home insurance companies to consider

Not ready to make a decision? You may be interested in these other homeowners insurance companies:

Frequently asked questions

In addition to homeowners insurance, Safety products include auto, umbrella, dwelling fire and business policies.

Safety Insurance was founded in 1979.

Safety policies are sold through independent agents across Maine, Massachusetts and New Hampshire.

Methodology

Homeowners insurance star ratings 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 and online experience. 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. Read our full ratings methodology for home insurance.

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2020-2022. To assess how insurers compare to 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.

Homeowners insurance rates methodology

NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in every ZIP code across the U.S. All rates are rounded to the nearest $5.

Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:

  • $300,000 in dwelling coverage.

  • $30,000 in other structures coverage.

  • $150,000 in personal property coverage.

  • $60,000 in loss of use coverage.

  • $300,000 in liability coverage.

  • $1,000 in medical payments coverage.

We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.

These are sample rates generated through Quadrant Information Services. Your own rates will be different.

Get more smart money moves – straight to your inbox
Sign up and we’ll send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money.