Safety Insurance
- Draws far fewer consumer complaints than expected for a company of its size.
- Offers a variety of upgrade options.
- No online quotes available.
- Available in only three states.
About Safety home insurance
Boston-based Safety Insurance sells homeowners insurance in select parts of New England. It earned a NerdWallet rating of 4.4 stars out of 5 for overall performance, standing out for its ultra-low rate of consumer complaints. Safety home insurance is worth considering if you live in one of the three states the company serves.
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Answer a few questions to see custom quotes and find the right policy for you.Where Safety home insurance 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 home insurance 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.What Safety home insurance coverage
What Safety 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?
Optional Safety home insurance coverage
Besides the basics above, 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:
Guaranteed replacement cost coverage, which will pay the full price to rebuild your home even if it’s above your policy limit.
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.
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, a higher water backup limit, equipment breakdown coverage and insurance for business property on the premises.
What’s not covered
Most homeowners insurers, including Safety, typically won’t cover damage due to:
Wear and tear.
Neglect or lack of maintenance.
Landslides, mudslides or mudflow.
Where Safety home insurance is available
Safety sells homeowners insurance in Maine, Massachusetts and New Hampshire.
- Find the best home insurance in your state
Safety home insurance sample rates
The average cost of Safety homeowners insurance in New Hampshire is $1,195 per year, according to NerdWallet’s rate analysis. That’s close to the state average of $1,185 per year.
In Massachusetts, Safety homeowners insurance costs an average of $1,715 per year, above the state average of $1,595 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.
One way to lower your premium is to raise your homeowners insurance deductible, the amount that will be subtracted from your payout if you ever file a claim. Just be sure to choose an amount you’d feel comfortable covering out of your own pocket.
Consumer Complaints
One strong sign of consumer satisfaction is how many people complain about their insurance company to state agencies. Safety scores highly on this measure, drawing a far lower 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.
» MORE: Safety auto insurance review
Online tools
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 access to agent information.
How to file a claim with Safety
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.
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 Safety customer service
Phone: For help, you can reach out to your local agent or call Safety at 800-951-2100.
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
What other types of insurance does Safety sell?
What other types of insurance does Safety sell?
In addition to homeowners insurance, Safety products include auto, umbrella, dwelling fire and business policies.
How long has Safety Insurance been in business?
How long has Safety Insurance been in business?
Safety Insurance was founded in 1979.
How do I get Safety homeowners insurance?
How do I get Safety homeowners insurance?
Safety policies are sold through independent agents across Maine, Massachusetts and New Hampshire.
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.
Homeowners insurance rates methodology
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in the 25 largest cities in each U.S. state by population. 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.
In states where credit is a rating factor, we changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
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.
