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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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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

1 year ago

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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.

1 year ago

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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.).

1 year ago

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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.

1 year ago

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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.

1 year ago

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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

1 year ago

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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.

1 year ago

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Sarah Bosko Estes Park, CO

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

1 year ago