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.