Safeco Insurance Logo

Safeco Insurance

Is This Your Business?
star star star star star_half

6.1

Overall Score

LAST UPDATED: December 4th, 2022

Safeco Insurance offers competitive home insurance coverage and helpful discounts. Its policies are issued by several different insurance carriers, each of which have received high financial strength ratings. Safeco Insurance stands out for the availability of services in Spanish.

Read Safeco Insurance Reviews

Top Ranked Companies

thumb_up

The Good

  • Competitive Coverage
  • Helpful Discounts
  • Useful Mobile App
  • Assistance in Spanish

Competitive Coverage

Through Safeco, you can find the essential coverage options for the home insurance industry:

  • Personal property
  • Liability
  • Dwelling
  • Itemized coverage for expensive property

You can also extend your dwelling coverage limits and cover your property at replacement cost. 

Beyond the essentials, you can add the following coverage to your policy:

  • Equipment breakdown
  • Service line
  • Identity theft assistance

These additional offerings are fairly common for home insurance providers, so the offerings make Safeco competitive.

Helpful Discounts

You can benefit from discounts on your home insurance rate through Safeco. The Safeco Package bundles home and auto insurance at a discounted rate. You can also find discounts for installing safety devices like burglar alarms or sprinkler systems, having a newer home, getting a quote early, and purchasing umbrella insurance.

Most insurers offer similar discounts, so Safeco stays competitive with its savings opportunities.

Useful Mobile App

Safeco offers policyholders a helpful mobile app that can be used to manage your policy, pay bills, file claims, access documents, and reach your insurance agent. The app uses a biometric login and is available in Google Play and the App Store.

Assistance in Spanish

Safeco offers its services in English and Spanish. This bilingual assistance makes the company stand out from others and is advantageous for Spanish-speakers.

thumb_down

The Bad

  • Limited Customer Insight
  • Difficult to Find Financial Strength Ratings

Limited Customer Insight

Best Company has not received many Safeco reviews, so conclusions on customer satisfaction are not available.

Difficult to Find Financial Strength Ratings

When you buy home insurance through Safeco, your policy will be underwritten by one of the insurers it works with. Financial strength ratings for these insurers are difficult to find on Safeco's website. 

However, these insurers are part of the Liberty Mutual Group and additional research from Liberty Mutual's site show that the insurers Safeco works with have received high financial strength ratings.

Financial strength ratings indicate an insurer's financial stability and ability to make claims payments, so high ratings are important to look for.

gavel

The Bottom Line

Although more customer insight would be beneficial, Safeco Insurance works with financially reliable insurers and offers competitive coverage and discounts. These features make Safeco worth considering.

The company stands out because its services are also available in Spanish, which is particularly helpful for Spanish-speakers.

View Best Home Insurance Companies

Was this content helpful?
thumb_up Yes thumb_down No

Star Rating

4.3

star star star star star_half

17 Reviews

Review Breakdown

5 grade

47%

4 grade

35%

3 grade

18%

2 grade

0%

1 grade

0%

Sentiment Criteria

Value

star star star star star_border

Quality

star star star star star_half

Service

star star star star star_half

Trustworthiness

star star star star star_half
cancel

Filter by:

arrow_drop_down

Sort by:

arrow_drop_down
info
check_circle

Review Source

star star star star star

Fred Antrim Tucson, AZ

I was with GEICO for over 20 years and they wouldn’t work with us whatsoever. The personal agent that you receive with safeco is great. He walked me through the entire process(and I have a bipolar disorder and anxiety) . He returns phone calls within an hour. And when there is an issue (my family) not only did he resolve it but he made it so I didn’t have to pay my next payment. The biggest thing was that he took the time to explain how the “right trac” service works. We have avoided using that similar service with GEICO because it wasn’t explained. He took the fear out of the equation and now I’m saving even more. I would recommend everyone change NOW to safeco

2 months ago

star star star star star_border

G.J. Boise, ID

We have had Safeco Insurance for our home and auto. With the home insurance we have the option of adding property that we have in our house and it doesn’t raise are insurance very much. This gives us peace of mind knowing are valuables are covered. Safeco gives a discounts for bundling your home and auto insurance together. We feel like we are covered all the way around with Safeco. My only concern is it is sometimes difficult to speak face to face with a agent.

2 months ago

check_circle

Review Source

star star star star star_border

Linda Holly Alpharetta, GA

Safeco is excellent as far as coverages go. There was a large increase this year, appx 23% and I have had no claims under this policy. Pretty disappointing. But again, the product is really good.

2 months ago

check_circle

Review Source

star star star star star_border

Bridget Walker New York, NY

Safeco Insurance is a great mom and pop type of home insurance. It's very affordable and you can insure more than just your home. I was satisfied with the insurance rates they provided for my home.

2 months ago

check_circle

Review Source

star star star star star

Brenda Anderson TX

I have my car insurance with Safeco and it had a lot lower premium than other companies. They are very good about paying for damages if you are in an accident and also providing you with an attorney to protect you against in a lawsuit if you hit someone else and they sue you. I had somebody hit my car and tried to sue me but I never had to pay a penny thanks to the attorney that represented me through Safeco.

5 months ago

check_circle

Review Source

star star star star star_border

Bob Trammell Los Angeles, CA

I had Safeco for about 10 years before I switched to a lower priced company. They were competitively priced, but not the lowest. I only filed one claim with Safeco, which was to replace my fence when the wind damaged it. I was warned this could cause them to deny renewing my policy (they didn't). It took about 2 months to get the money, so I paid to replace the fencing out of my own pocket with my neighbor, who got his money in a few days for his half of the cost. Replacing the fence was a priority as I have dogs and a swimming pool. This was the primary cause of my looking for another company.

6 months ago

check_circle

Review Source

star star star star_border star_border

no sugarcoating Cheshire, CT

I was with them for few years and fortunate enough not to need them. Like all insurances, you have to fight with them every year when premiums increase for no reason... I mean when I don't use them and paid everything on time, what better client do they want? but they still find a way to jack up the premiums! Ended up switching when I got a competing quote they couldn't match

5 months ago

check_circle

Review Source

star star star star star

cheryl yeary Littleton, CO

I love Safeco Insurance. They handle all of our car and Home insurance. They are easy to work with and their prices are great. I recommend them to everyone who is looking for any kind of insurance.

5 months ago

check_circle

Review Source

star star star star star

Fr. Ron Nuzzi Louisville, KY

So far so good. Great rates, and their auto policy issues refunds for safe driving with an app on your phone. I received $80 rebate so far, just for safe driving ( they monitor speeds, ease of stops, and late night driving.).

6 months ago

check_circle

Review Source

star star star star star

Bob Biondini Medford, OR

Great coverage for a very fair price. We highly recommend this company. Quick response, easy to work with, claims handled quickly.

3 months ago

check_circle

Review Source

star star star star star

Frank Herbert Los Angeles, CA

I have insured my rental property in Southern California for 15 years with Safeco. They are efficient and easy to deal with on-line and through the agent

5 months ago

check_circle

Review Source

star star star star star

David Patten Huntsville, AL

This is our first year with this company. Our previous insurance company doubled our rates for no apparent reason forces us to shop for new coverage. We are very pleased with Safeco.

6 months ago

check_circle

Review Source

star star star star_border star_border

gricel valdez AZ

The pricing for Safeco was acceptable. It was a little cheaper than my other company when I added my car insurance. When the housing market changed the value of my house rose considerably and my policy increased. I expect as much. The problem was no one notified me of the adjustment and I found out when I almost bounced a check because of autopsy. Safeco says I was notified by mail and that my agent should have notified me about the changes. The only problem is my agent left Safeco and now I'm anyone's problem. Six months and still no agent!

6 months ago

star star star star star_border

Linda Jensen Newberg, OR

We've been with Safeco for about 8 years. Have never had to file a claim on our homeowners policy. But last year our back yard flooded, and we had water in the crawl space. We checked with our insurance - not covered. We've been home owners for over 25 years and never have made a claim. What good is insurance if they can't help you when something does happen?

5 years ago

star star star star star

Sarah Bosko Estes Park, CO

Cost efficient insurance. I wish they still covered our area.

2 months ago

check_circle

Review Source

star star star star_border star_border

Georgia Delaney Kennett Square, PA

They always notify me when payments are coming out. Not impressed that I was denied safe driver because my phone was not comparable. Ripoff

2 months ago

check_circle

Review Source

star star star star star_border

Daniel Fowler

Safeco was my insurance company for my RV. Very good, never had any issues. However, over time, rates keep going up. So far up I had to move on to another insurance company.

6 months ago