Home Insurance Features and Coverage Options

Are You Protected? Get the Coverage You Need for the Life You Want.

Whether you need a homeowners insurance policy with basic coverage or a fully loaded policy with increased protection, Safeco gives you the flexibility to choose.

Talk to your local Safeco agent for personal advice about product availability in your area and how much coverage is right for you. We’ll help you make sure your home is properly protected.

Standard Coverage

Included with Every Policy

Your Safeco homeowners policy includes coverage to help pay for repairs or to rebuild your home and other buildings on your property. This is the core of a home insurance policy.

At Home and on the Road

Your Safeco homeowners insurance policy protects your personal property, like your furniture, TV, clothing, books, computer, sporting goods and kitchen gadgets. Your belongings are protected when they’re at home or with you anywhere in the world, from across town to across the equator.

Protection for People

Home insurance is also about people. It protects your guests if they’re injured in your home or yard. It protects you in some situations if you’re held legally responsible for damage caused to someone else’s property, such as if your self-propelled lawnmower drives off and crashes through the neighbor’s greenhouse. You and your family are protected against bodily injury, property damage claims and litigation.

Temporary Housing and Expenses

If you’re unable to live in your home while it’s being repaired or rebuilt after a covered loss, additional living expenses helps pay the cost of temporary housing and living expenses for up to 24 months.

For Alabama customers only: Please see the Alabama Homeowners Bill of Rights.

Popular Coverage Options

Identity Recovery

For only $1 a month, we’ll help cover the cost of restoring your identity if you’re the victim of identity theft. Identity-recovery coverage provides up to $25,000 for lost wages and expenses related to recovering your identity as well as personal one-on-one assistance. You can reduce your risk by learning how to prevent identity theft.

Jewelry, Art and Antiques

If you have valuable keepsakes like fine art, jewelry, antiques and other collectibles, like your grandmother’s Victorian sideboard and crystal stemware set, you may need extra protection. With valuable articles coverage, belongings you specify are protected by an agreed dollar amount, and there is no deductible.

If the Refrigerator Is Warm

You had your heart set on an ice-cold soda. But when you reach into the refrigerator, all your beverages are room temperature. For only $2 a month, equipment breakdown coverage will replace a covered appliance with an Energy Star® rated appliance of like kind and quality in the event of an unexpected mechanical or electrical breakdown not caused by normal wear and tear or corrosion. Skip costly home warranties and big-box retailer extended warranties.

For What It’s Worth

If you sold your dining room table and chair set in a yard sale, you’d probably get less for it than what it would cost to buy a new set in the furniture store. Safeco personal property replacement cost protection will help pay for the cost to purchase a new dining set that is of similar size and style as the one you lost. Same goes for your TV, clothing, sporting goods, bed and other covered belongings. In the event of a covered loss, we’ll pay the actual cost to replace your things that were damaged, lost or stolen, regardless of their age and condition, up to the limits and deductible you select.

Multiple Losses, One Deductible

Combine your home and auto policies as a Safeco Package and become eligible for a single loss deductible. If your car, motorcycle, boat or RV insured with Safeco is damaged in the same event as your home, you may only have to pay one deductible. For example, if a tree falls and damages both your garage and your car, we’ll waive your auto deductible after your home deductible is paid.

Ask your local Safeco agent about other coverage options and for personal advice about home insurance coverage that’s right for you.

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© 2017 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.