Home Insurance
We feel at home keeping you covered
Get to know your homeowners coverage options
With Safeco’s broad array of coverage options, your independent agent can tailor your policy to fit your needs, and your budget. Learn more about the unique home insurance coverages we offer below, then contact a local agent to discuss the right coverage for you.
We offer so many more coverage options at Safeco. View all of our coverages below, then connect with a licensed independent agent near you to determine the best coverage options for your home.
You could save money with Safeco’s home insurance discounts3
Safeco Package
Protective devices
More opportunities to save
How your home deductible works
A home insurance deductible is what you pay out of pocket to repair your home if you have a claim. For example, if you have a $500 deductible and $2,000 in repair costs, you’ll pay $500 and Safeco will pay the remaining $1,500.
You have a choice of deductible amounts; choosing a higher deductible lowers your insurance rate but requires greater out-of-pocket expenses should you have an accident. Connect with an agent today to learn more.
Common homeowners insurance questions
Looking for answers? Browse the most frequently asked questions below, or contact an agentto discuss home and property insurance today.
While not technically required by law, some version of homeowners insurance is almost always required by lenders. This makes sense because both you and your lender have a vested interest in protecting the property.
Regardless of your lender’s requirements, homeowners insurance is highly recommended to ensure your most important investment – your home – is covered in the event of damage, theft, or liability. Connect with a local agent today to learn more about your home insurance options.
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.
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 levee 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.