Home Insurance FAQ

Answers to frequently asked questions about Safeco homeowners insurance.

What is homeowners insurance?

Homeowners insurance protects one of life’s biggest investments. Should a tree fall through your roof or a fire break out in the kitchen, insurance for your home helps cover the cost to repair or rebuild. It also may cover other buildings on your property like a garden gazebo or storage shed. If the damage is extensive enough to prevent you from living in your home, homeowners insurance also helps cover the costs of temporary housing and living expenses.

I’m thinking about buying my first home. Am I required to have insurance?

Lenders almost always require first time buyers to purchase insurance.

Does my home insurance cover damage caused by earthquake or flood?

No. A standard homeowners policy does not generally cover damage caused by earthquake and floods. These sources of damage require additional coverage or a separate policy. If you live in an area that is prone to these types of events, talk to your local Safeco agent about making sure you’re properly covered.

Flood insurance is available through the National Flood Insurance Program.

What is the difference between water damage and flood damage?

The damage can be similar but the cause is different.

Water damage is usually caused by water coming from something like a burst pipe, an overflowing toilet, a dishwasher that leaks all over the kitchen floor, or a roof that leaks after a hard rain.

Flood damage is caused by water coming from something like an overwhelmed levy that breaks, a clogged drainage system, a river or lake that overflows or even just the ground being inundated with too much water after a torrential storm. Water seeping into your basement after a heavy rain or winter runoff is usually also considered flood damage.

What is a flood?

According to the National Flood Insurance Program, “A flood is a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow.”

Learn more about floods on the Flood Smart website.

What are home contents?

Home contents are the things inside your home not permanently fixed to the walls, ceiling or floor. Your couch, television, carpet, refrigerator, dining room table and floor lamp are examples of home contents.

We recommend keeping and inventory of your home contents with an online service like Know Your Stuff.

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© 2014 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. 36 USC 220506