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.
Coverage
Real-life scenario
Standard
Optional
Personal Property Coverage
If your personal possessions—including furniture, clothing, and appliances—are damaged or stolen as a result of a covered loss, Safeco will arrange for them to be repaired or replaced.
Personal Liability Coverage
Safeco will defend you if someone makes a claim against you for accidentally causing an injury or damaging property — for example, if someone is hurt in your yard or you damage property at someone else's home.
Dwelling
Your home will be protected against losses from events such as fire or lightning; weight of ice, snow, or sleet; windstorms; hail; theft or vandalism; and more.
Valuable Articles Coverage
Extra coverage for high-value items such as jewelry, art, collectibles, or camera equipment.
Equipment Breakdown Coverage
For just $2 a month, equipment breakdown coverage is a cost-effective way to keep critical household equipment up and running after mechanical or electrical breakdowns—which are often not covered under a standard homeowners policy.1
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.
View all coverages
You could save money with Safeco's home insurance discounts2
Safeco Package
Combine your auto policy and Safeco Homeowners Policy into a Safeco Package and save.
Protective devices
Save on your home insurance if you have a burglar alarm or sprinkler system.
More opportunities to save
If you have a newer home, enroll in an advanced quote, or sign up for an Umbrella insurance package, you may be eligible 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.
Find an agent
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.
Find an agent
How do I file a homeowners insurance claim?
At Safeco, with our fast and easy claims process, you can file your homeowners claim online in less than 10 minutes.
Just looking for information? Here are some resources
- Homeowners insurance claims frequently asked questions
- Preferred contractor lookup: Search our preferred contractors in your area
Common homeowners insurance questions
Looking for answers? Browse the most frequently asked questions below, or contact an agent to 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.
Please note: Information provided on this website serves as general information about our insurance policies, coverages, and processes related to claims and service. Policies, coverages, and processes related to claims and service may vary by state. For specific policy details, please review your contract.
1Equipment Breakdown provides protection in the event of an unexpected mechanical or electrical breakdown not caused by normal wear and tear, or corrosion. Only available through a Safeco Home Policy. Not available in all states.
2Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.
Safeco does not currently offer wildfire mitigation actions insureds can take that would impact underwriting or rates.
Not all services are available in all geographic locations. You are in no way obligated to use our preferred contractors. Equal Housing Insurer. ©2019 Liberty Mutual Insurance