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Umbrella Insurance

More Protection and Peace of Mind at an Affordable Price

You’ve got a nice home, two cars and steady jobs. Life is good. That’s why you need umbrella insurance from Safeco. For most families, it’s an essential level of insurance that goes beyond what your home and auto policies cover. An umbrella policy can provide an additional layer of protection, giving you broader coverage if you’re sued and peace of mind knowing you’re protected.

Umbrella Insurance Coverage Options

A Safeco umbrella policy protects you and your family anywhere in the world. Umbrella insurance is available in $1 million increments up to $5 million.

Learn more about umbrella insurance coverage.


File a Claim

A Safeco claims representative can be reached 24 hours and day, seven days a week.

Learn how to  file a claim.


Umbrella Insurance Discounts

Umbrella insurance is surprisingly affordable. For less than a dollar a day, you can gain this extended liability coverage to protect yourself and your family. A discount is available in most states if you also have Safeco homeowners insurance.

Learn how to save with umbrella insurance discounts.


Do More.®

Worry less knowing you have the extra protection of umbrella insurance. Allow yourself time to get more out of life. We’ve got you covered.

From the Safeco Blog
Do You Need Umbrella Insurance?


Umbrella Insurance FAQ

Get answers to your questions about umbrella insurance.

Read frequently asked questions about umbrella insurance.


Why Choose Safeco Umbrella Insurance

Discover all the reasons why Safeco Insurance is the right choice for you. We make insurance easy.

Learn why you should choose Safeco umbrella insurance.


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Prevent Identity Theft

Umbrella Insurance - Additional Protection for More Peace of Mind 

Umbrella Insurance Reviews

Umbrella Insurance is rated 4.3684 out of 5 by 19.
Rated 1 out of 5 by from Non-renewal of Umbrella policy Inconsistence of how the my account was handled. April 25 I received my renewed policy for 2015-2016, however on May 4, 2015, a notice of non-renewal was sent. Unhappy to begin with, since it took Safeco 8 months to settle a claim.
Date published: 2015-05-27
Rated 1 out of 5 by from Great Mistake I spoke to a sales person regarding a change in my auto insurance. He recommended that I consider Umbrella Insurance. I had been considering it and vaguely remembered purchasing it last year. I told him I would check to see if I already had a policy and would get back to him if I didn't have it already. I had purchased a policy and forgot about the phone call until I received the policy in the mail. I immediately called to cancel the policy and discarded the bill I received three days later. I am sorry for any confusion I might have caused but I really believe that your sales staff was overzealous and annoying in this situation.
Date published: 2015-05-22
Rated 5 out of 5 by from Added Umbrella A Safeco rep suggested an umbrella policy, since they cover all of our stuff. Very reasonable.
Date published: 2015-05-22
Rated 5 out of 5 by from Had to change broker of record to RCU All Good with Safeco for now -- I usually get new quotes from competitors every couple of years, so far so good.
Date published: 2015-05-21
Rated 1 out of 5 by from Terrible service Terrible service and not helpful when talking to representative. Cannot get refund from canceled policies.
Date published: 2015-05-13
Rated 3 out of 5 by from Good Servoce Michael was helpful with Umbrella policy but he was a little difficult for me to understand totally. I don't know what this may have been due to, but overall he was good.
Date published: 2015-04-03
Rated 5 out of 5 by from All around great company This company has the art of customer service down pat. Yes, the rates are competitive, but I'm amazed by how friendly and competent the customer service agents are. I have multiple policies with Safeco and have been on the phone with them many times over the past year or two making changes and tweaks. Not one agent has ever been less than sterling. Kudos to not only the agents themselves, but to the Customer Service Management. You must have trained your agents well, and/or got really lucky and hired some great folks.
Date published: 2015-04-03
Rated 5 out of 5 by from Great Service I am a long time safeco customer. They have good people and great products. I would recommend them to my friends.
Date published: 2015-03-25
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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.