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Safeco Insurance

Is This Your Business?
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4.9

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.

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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.

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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.

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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.

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Star Rating

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4.1

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17 Reviews

Review Breakdown

5 grade

47%

4 grade

29%

3 grade

18%

2 grade

0%

1 grade

6%

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G.J. Boise, ID

We did some research after having trouble with our previous company we went through. Safeco insurance prices were comparable to some of the other companies we looked at. We have been with Safeco for a few years now and we like it. It is easy to talk to our agent when we have questions. Unfortunately she retired and we now have a new agent. She is a little harder to contact we are hoping it’s because she is new and she becomes easier to contact in the future. We still haven’t had any problems with Safeco Insurance there coverage is good at a reasonable price. Update.. We had some water damage in our kitchen and dining room and filed a claim with are Safeco homeowner insurance. They are fighting us every step of the way. They don’t want to pay for the contractors labor. They have given us $3,000.00 for materials and labor. This is not going to cover this issue. I would not recommend using this insurance company. We have never had a claim with them and when you need them they can’t be reached. They will give you the runaround.t

1 year ago Edited November 14, 2023