home insurance property claims

Protecting your home and what’s inside.

File a Home Claim Online
Now you can file your home claim from the convenience of your desktop or mobile device, 24/7. We'll guide you along the way so that each step in the process is captured, and to ensure you're comfortable with the claim you submit.

From there you can manage your claim online, and contact us with any questions you have along the way.


Not sure if you should file? Get answers here >

Manage Your Claim
View the status of your claim at any time in .

Helpful Home Claims Resources
Home Damage? We’ll Take Care of You.
Has something unexpected happened to your home or on your property? We know the experience can be overwhelming, so we’re here to help get things back in order as quickly as possible. Call Safeco at 1-800-332-3226 and be ready to provide the following:

  • What happened?
  • Where is the damaged property?
  • How extensive is the damage?
  • Are temporary repairs needed?
  • If the authorities were contacted, which department responded and what is the report number?
  • Your current contact information and the best time to reach you.
  • A convenient time for a damage assessment, either in person or via video chat.
Important Home Claims Information:
+Make Personal Safety Your First Priority-Make Personal Safety Your First PriorityMake Personal Safety Your First Priority
Before you call us at 1-800-332-3226, first make sure you’re safe:

  • Stay out of your home if it has been severely damaged.
  • If your home has been broken into, contact the police immediately to file a report and fix or replace your locks.
  • If there’s been a fire in your home, avoid breathing ashes and soot by covering your nose and mouth with a handkerchief or face mask.
+Video Chat With a Claims Representative-Video Chat With a Claims RepresentativeVideo Chat With a Claims Representative
With Safeco RealTime Review™, you can video chat with a claims representative, who will view your property remotely, take screenshots, and complete a damage estimate. All you need is a portable device capable of video chat. For example, a smartphone or a tablet with FaceTime or Skype. It’s fast, easy, and convenient - everything you want out of a claims experience.


Please understand that RealTime Review is not suitable for all claims. But, no matter the assessment method, we’ll do our best to act quickly and keep your claim moving forward.
+Document Your Personal Belongings-Document Your Personal BelongingsDocument Your Personal Belongings
In the event of theft, your claims representative will ask you for a list of missing items, along with any receipts for those items. Photographs, videos, owner’s manuals, serial numbers, and credit card statements are useful to document personal belongings that may have been damaged or stolen.

We recommend keeping a home inventory in a location other than your home, such as with a relative, in a bank safe-deposit box, or online.
+Safeguard Your Home-Safeguard Your HomeSafeguard Your Home
This is a team effort. We’ll do our part. But we need you to help out by taking some steps to protect yourself and your property from further damage:

  • Board up broken windows and doors.
  • Cover roof damage with tarps or plywood and remove debris.
  • Save all receipts from temporary repairs.
  • If possible, place any damaged items in a safe, secure area where they can be inspected later.
  • Do not attempt to clean fire or smoke damaged items. Cleaning without the proper equipment can make it worse.
+Get a Home Repair Estimate and Get it Fixed-Get a Home Repair Estimate and Get it FixedGet a Home Repair Estimate and Get it Fixed
Please wait until a claims adjustor assesses the damage before starting permanent repairs. We encourage you, however, to schedule permanent repairs as soon as possible. Find a local, licensed, bonded and insured contractor with the free Safeco contractor referral service. Do you need help with water damage? Ask your claims representative about using one of our Water Mitigation Program Vendors.
+Get Temporary Housing While Your Home Is Being Repaired or Rebuilt-Get Temporary Housing While Your Home Is Being Repaired or RebuiltGet Temporary Housing While Your Home Is Being Repaired or Rebuilt
If you are unable to live in your home while the damage is assessed and your home is being repaired or rebuilt, Safeco will help pay for additional living expenses, for up to 24 months. If repairs take longer than the period of time covered in your policy, you may be eligible for additional assistance from federal emergency programs.
+Considering Home Improvements - To Upgrade or Not-Considering Home Improvements - To Upgrade or NotConsidering Home Improvements - To Upgrade or Not
Safeco will replace damaged items and materials with the same type and quality of materials you had before your home was damaged. For example, if you had a fiberglass roof, we will pay to repair or replace the damaged area with fiberglass, but we won’t pay to replace it with more expensive slate tile. If you decide to upgrade your house with better or more expensive materials, you’re welcome to do so, but you’ll need to pay the additional expense out of your own pocket.

Any time you make improvements to your property, be sure to talk to your local independent agent to find out if your coverage is still enough, and if you’re eligible for any home insurance discounts.