Safeco Insurance Company Review
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Chris Huntley
Founder & Published Insurance Expert
I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them. Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.
Founder & Published Insurance Expert
UPDATED: Feb 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Feb 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Safeco Insurance is a very well run company.
They’ve been around for almost 100 years, which says a lot about their staying power!
Safeco Insurance was formerly known as “The General” before the name was switched to Safeco in 1953. (For more information, read our “Safeco Insurance Review“).
Safeco offers a comprehensive selection of insurance products that we will cover.
Table of Contents:
- Safeco Auto Insurance
- Safeco Home Insurance
- Safeco Renters Insurance
- Safeco Motorcycle Insurance
- Safeco Umbrella Policy
- Safeco Boat & Watercraft Insurance
- Safeco Landlord Insurance
- Other Safeco Insurance Products
- Additional Benefits
- Financial Ratings
- Pros and Cons
Safeco Auto Insurance
Safeco auto insurance has been protecting divers for more than 85 years!
Here are a few additional coverage options you can choose to add to your auto insurance policy:
- Electronic key and lock replacement
- Pet coverage (in the event that a pet is injured or killed in an accident)
- Gap coverage
- Custom equipment coverage
But automotive expenses can often be trimmed. You could find significant savings by shopping for better rates on what could be the biggest items in your auto budget: monthly loan payments and insurance premiums.
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Safeco Home Insurance
Safeco homeowners insurance offers a number of customizable options.
There are a number of extra coverage options that you can purchase on top of standard coverage.
Some of the most popular add-ons include:
- Personal property replacement cost
- Valuable articles protection
- Identity recovery
- Single loss deductible
- Equipment breakdown coverage
Safeco Renters Insurance
Safeco renters insurance gives you peace of mind even if you don’t own your residence.
It also protects you if you’ve been legally held responsible for an injury while someone is visiting your home.
Safeco Motorcycle Insurance
Motorcycle Insurance protects cyclists and if you ride you know insurance is a MUST!
Yep, especially if you have a family. Let’s face it this is not the safest hobby in the world so it makes sense to get a great policy.
Safeco Motorcycle Insurance is a good place to start your search.
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Safeco Umbrella Policy
A Safeco umbrella insurance policy provides an extra layer of coverage for those situations you just don’t anticipate.
They usually offer between $1 – 5 million in coverage. Your standard home and auto insurances are still your first line of defense.
One Safeco umbrella insurance policy will cover the needs of your whole family.
Safeco Boat & Watercraft Insurance
If you own a boat, insurance is VERY important!
Buying boat insurance will save you money if something unforeseen happens.
Comprehensive boating insurance protects you, your friends and family, your boat, your PWC, and your boating gear for an entire year.
Your watercraft is also covered on land!
Safeco Landlord Protection Insurance
If you are a landlord you know what a big investment your real estate is.
Landlord insurance protects you from damage & certain types of liability unique to landlords, such as wrongful eviction and entry.
Safeco Landlord Protection Insurance also provides tenant screening if you want that option.
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Other Safeco Insurance Products
Safco offers numerous other insurance products including:
- Pet Insurance
- Classic Car Insurance
- RV Insurance
- ATV Insurance
- Snowmobile Insurance
- Golf Cart Insurance
- Condo Insurance
- Identity Recovery Coverage
- Home Warranty Insurance
- Valuable Articles Insurance
Safeco Insurance Added Benefits
Accident Forgiveness
With accident forgiveness, your rates won’t increase from as the result of your first accident so long as you keep a clean driving record for a set number of years.
Diminishing Deductibles
Diminishing deductibles is another feature that rewards policyholders for their safe driving.
For every year you don’t make an insurance claim, you’ll save $100 on your collision deductible. But, this feature maxes out at $500!
24 Hour Customer Support
Life happens 24/7 and Safeco Insurance representatives are available for you no matter what time of the day it is.
Knowing that you can reach a representative at any time gives Safeco policyholders some security.
Safeco Insurance Financial Ratings
I highly recommend that you refer to rating agencies like A.M. Best as a resource to determine the financial strength of the insurance company you choose BEFORE you sign on the dotted line.
As mentioned above, Safeco Insurance is very strong in this department.
This insurer is backed by Liberty Mutual Insurance, which is ranked in the Fortune 100 list of top U.S. corporations.
Here are a few of Safeco Insurance’s financial strength ratings from some of the top agencies:
- A.M. Best Company gave Safeco Insurance an A (excellent) rating
- Moody’s Investor Service gave Safeco Insurance an A2 (good) rating
- Standard & Poor’s gave Safeco Insurance an A- (strong) rating
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Safeco Insurance Pros and Cons
Pros:
- Financial strength
- Accident forgiveness
- Diminishing deductibles
- 24 hour customer support
Cons:
- The company isn’t particularly cheap – yes, there are better deals out there
- They need to work on customer service
- Their application process needs a little streamlining
- They request more personal information than I would like to give
Is Safeco Insurance For You?
Good news! Safeco Insurance is financially stable – to say the least!
Across the board – rating agencies give them lots of love.
That’s right, you won’t have to worry about this company going broke!
This means their offering is top-notch, when it comes to your peace of mind. Who wants to worry about making a claim?
Enter your ZIP code below to view companies that have cheap insurance rates.
Secured with SHA-256 Encryption
Chris Huntley
Founder & Published Insurance Expert
I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them. Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.
Founder & Published Insurance Expert
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.