With Safeco's broad array of coverage options, you can independently tailor your policy to fit your needs, and your budget.

Why to choose Safeco Homeowners Insurance?

With Safeco's broad array of coverage options, you can independently tailor your policy to fit your needs, and your budget.


Safeco Homeowner Discounts

Safeco Homeowner Discounts

Safeco Package Combine your auto policy and Safeco Homeowners Policy into a Safeco Package and save
Umbrella Discount 2 percent discount with in-force umbrella policy
Burglar Alarm Discount 2 percent with active alarm system
Hail Resistive Roofing Discount Upto 15 percent
Newer Home Discount Applies to dwellings that are < 10 years old 20 percent discount for a new home
Renewal Discount

How your home deductible works?

A home insurance deductible is what you pay out of pocket to repair your home if you have a claim. For example, if you have a $500 deductible and $2,000 in repair costs, you'll pay $500 and Safeco will pay the remaining $1,500.

You have a choice of deductible amounts; choosing a higher deductible lowers your insurance rate but requires greater out-of-pocket expenses should you have an accident.

Standard Coverages:

  • Dwelling Coverage

    Your home will be protected against losses from events such as fire or lightning; weight of ice, snow, or sleet; windstorms; hail; theft or vandalism; and more.

  • Personal Property Coverage

    If your personal possessions—including furniture, clothing, and appliances—are damaged or stolen as a result of a covered loss, Safeco will arrange for them to be repaired or replaced.

  • Personal Liability Coverage

    Safeco will defend you if someone makes a claim against you for accidentally causing an injury or damaging property — for example, if someone is hurt in your yard or you damage property at someone else's home.

Optional Coverages:

  • Valuable Articles Coverage

    Extra coverage for high-value items such as jewelry, art, collectibles, or camera equipment.

  • Equipment Breakdown Coverage

    For just $2 a month, equipment breakdown coverage is a cost-effective way to keep critical household equipment up and running after mechanical or electrical breakdowns—which are often not covered under a standard homeowners policy.

  • Guaranteed Repair Network

    This program connects you with prequalified experts to create estimates and perform repairs quickly, seamlessly, and with a guaranteed material and labor warranty backed by Safeco.

  • Earthquake coverage

    Earthquake coverage is available in select states as either an endorsement to the home contract or a separate policy.

  • Service Line

    Considering adding Service Line coverage which is a cost-effective way to insure against service line failures - which are often not covered under a standard Homeowner policy.

  • Extended Dwelling Coverage

    In the event of a catastrophe, soaring demand for building materials and labor could cause reconstruction costs to increase, leaving policy limits inadequate. That's where extended dwelling coverage kicks in.

  • Identity Recovery Coverage

    Recovering from identity theft can be a very costly, time-consuming, and stressful experience. With identity recovery coverage, you can replace that worry with calm for just $1 a month.

When it comes to protecting your assets, we make the grade.


Has the financial strength and capability to guarantee our customers' polices and keep them secure.

Find out which plan is right for you
Policies are customized according to your needs. We have simplified the process to help you find the right policy that fits your budget and loved ones.
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