homeowners insurance coverage and feature options

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.

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 and property damage claims and litigation.

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

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.

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.

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.

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.

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.