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Homeowners Insurance

Stay Warm and Dry. We’ll Help You Make Sure Your Home is Properly Covered.

Whether you’re a new home owner, or have lived in your house for years, we know how important your home is to you. Insurance for your home doesn’t just protect your house and property. Homeowners insurance also protects your belongings, yourself and your guests. You’ve put a lot of hard work into providing a home for yourself and your family. Talk to your local Safeco agent for personal advice on the best combination of home insurance coverage, value and price to protect your hard earned investment.

Customer Reviews

At Safeco we value our customers’ opinions. Read reviews of Safeco auto insurance by customers like you.
“…I just filed a claim, and it was seamless.”
    – Nancina

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Home Insurance Coverage Options

Get the coverage you need to protect your home and belongings with our customizable homeowners insurance options.

Learn more about home insurance coverage options and features.

Homeowners Claim

Rest easy knowing we’ll be there when you need us. If a tree falls through your roof or the hot water heater leaks, you're not alone. We'll take care of you, 24/7.

Home Insurance Discounts

Discounts are available if your house was built within the last 10 years and if you have a home burglar alarm. Save even more when you insure both your home and your car with us.
Learn how to save with home insurance discounts.

Home Insurance FAQ

Find answers to frequently asked homeowners insurance questions.
Read frequently asked questions about insurance for your home.


Why Choose Safeco Home Insurance

Discover all the reasons why Safeco Insurance is the right choice for you and your home. We make home insurance easy.
Learn why you should choose Safeco home insurance.

Prevent Identity Theft

Safeco Package

Do More.®

Knowing your home is insured and well maintained helps you worry less and get more out of life. Learn how to conduct a home inventory, detect water damage and more. Then go have a barbecue. Or host a pool party. And Do More.


Home Insurance Reviews

Home Insurance is rated 4.1239 out of 5 by 331.
Rated 5 out of 5 by from So Easy Never did I imagine what was in store when I found water in my hallway. I had no idea what was going on other than there was water under my floor. I called to make the claim thinking just the wall and floor would need attention, within 2 days the adjustor was here and found water under my kitchen cabinets and kitchen flooring. My whole kitchen had to be replaced. The adjustor cut a check on the spot so repairs could begin immediately and made the process so easy. Anything questions or concerns I had were answered in a quick timely manner!
Date published: 2015-07-23
Rated 5 out of 5 by from Great Surprize !! Loved it !! Called to just change the mailing address to coincide with the physical home that is under insurance with you. The agent helping me asked about covering my vehicles with Safeco, and I told her I do. When she checked for me she had seen that my 2 vehicles and home insurance was with you. She noted that I had not received the discounts covered for the combo, and I received credit due to her querying my information. Great service, honest service, makes you all #1 in my book.
Date published: 2015-07-22
Rated 1 out of 5 by from Nobody ever answers the phone or replies to email. I have an open claim. Roof was replaced. I need my check to pay the roofer. Can't get anybody to answer phone or reply to email.
Date published: 2015-07-22
Rated 5 out of 5 by from Thanks Thanks to Safco for providing great affordable coverage. Staff very friendly! :)
Date published: 2015-07-15
Rated 1 out of 5 by from Very poor customer service I have had my Homeowners policy with Safeco for twenty-five years. I recently filed a claim for roof damage and water damage to the interior of my home due to high winds and tree limbs falling on my home. This experience was horrible! The customer service left a lot to be desired. The adjusters need training on customer service and professional conduct. The first adjustor called after 9:30 pm to set up an appointment, which is entirely too late to call. He then TOLD me he would arrive at my home on a certain day between 7:30 and 8:00 am. I told him this was too early for me, but agreed, not wanting to delay the repair process. I waited for him that morning and after he was almost an hour late, he called to tell me he had a flat tire and wasn't sure when he would would arrive at my home. I told him he should have called me earlier to let me know the situation. He then told me he wasn't coming at all because he didn't think it would be a pleasant experience and he would have another adjuster assigned to my claim!!!! .The second adjuster wasn't much better, she also had an attitude. This delayed my claim over a week by assigning a second adjuster, during which we were having record setting rainfall, daily. The claims co-ordinator was very unfriendly on the telephone, but polite in her emails. Safeco made this a very unpleasant experience when they should have made it easier for me. Needless to say, I am now contacting other insurance companies and will not re-new my coverage with Safeco.
Date published: 2015-07-15
Rated 5 out of 5 by from Insurance Surprise We have a personal articles policy. My wife lost one of the diamond bagettes from her engagement ring while gardening. After searching without success, we called Safeco. We received a call back the next day and after determining the replacement value, we were issued a check even before the diamond was replaced a week later. The best insurance experience we have ever had.
Date published: 2015-07-14
Rated 5 out of 5 by from Well done Agent did a great job making addition to my policy.
Date published: 2015-07-14
Rated 5 out of 5 by from amazing I always heard nightmare accounts of people dealing with claims but Safeco and their help was a dream come true. Helpful, efficient, knowledgeable and a pleasure to deal with is all I can say about them. Thank you Safeco!
Date published: 2015-07-14
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© 2015 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.