---
title: "Safeco Insurance Review [Updated 2026]"
description: "Safeco Insurance, founded in 1923 and acquired by Liberty Mutual in 2008, offers personal insurance through independent agents across the U.S. This review covers their coverage options, pricing, customer service, and important changes coming in 2026."
canonical: "https://www.coveragecat.com/reviews/safeco"
last-updated: "2026-08-13"
---

# Safeco Insurance Review [Updated 2026]

1. [Introduction to Safeco Insurance](#introduction)
2. [What Kinds of Insurance Does Safeco Offer?](#kindsofinsurance)
3. [Does Safeco Sell Homeowners Insurance?](#sellhomeowners)
4. [Does Safeco Sell Auto Insurance?](#sellauto)
5. [How Does Safeco Insurance Work?](#howdoesitwork)
6. [Pros and Cons of Safeco Insurance](#proscons)
7. [Ratings and Customer Feedback for Safeco Insurance](#ratings)
8. [Get Customer Support Or File A Claim With Safeco Insurance](#customersupport)
9. [Frequently Asked Questions](#faq)

## <a id="introduction"></a>Introduction to Safeco Insurance

[Hawthorne Kingsbury Dent founded Safeco in 1923 as the General Insurance Company of America](https://www.safeco.com/about), a property and casualty insurer headquartered in Downtown Seattle. The company started going by "The General" and, in 1953, formed a subsidiary called the "Selective Auto and Fire Insurance Company of America," or SAFECO. By 1968, the General renamed itself Safeco Corporation.

[In 2008, Liberty Mutual acquired Safeco for $6.2 billion in cash](https://www.insurancejournal.com/news/national/2008/04/23/89365.htm) to grow their presence in the Western United States. Today, Safeco operates in all 50 states and the District of Columbia, offering auto insurance, homeowners insurance, and liability insurance through independent agents. [Since the acquisition, Safeco's network of approximately 22,000 independent agencies helped grow the business to $13 billion in annual premiums](https://www.insurancebusinessmag.com/us/news/breaking-news/liberty-mutual-sets-twodecade-record-with-financial-results--dumps-safeco-brand-527399.aspx).

**Important update for 2026:** Liberty Mutual Insurance plans to retire the Safeco Insurance brand name in 2026 [(Insurance Journal, "Liberty Mutual to Retire Safeco Brand Name in 2026", 2025)](https://www.insurancejournal.com/news/national/2025/03/04/814036.htm). All of Liberty Mutual's personal lines products will operate exclusively under the Liberty Mutual name. Safeco customers can continue working with their existing insurance agents, and their policies will transfer to Liberty Mutual—only the company name and logo on policy paperwork will change.

## <a id="kindsofinsurance"></a>What Kinds of Insurance Does Safeco Offer?

Safeco sells personal insurance products exclusively through independent insurance agents. The company's product lineup includes:

* [Homeowners insurance](https://www.coveragecat.com/insurance-types/homeowners-insurance)
* [Auto insurance](https://www.coveragecat.com/insurance-types/car-insurance)
* [Renters insurance](https://www.coveragecat.com/insurance-types/renters-insurance)
* Condo insurance
* Landlord insurance
* [Umbrella insurance](https://www.coveragecat.com/insurance-types/umbrella-insurance)
* Motorcycle insurance
* Boat and watercraft insurance
* RV insurance
* Classic car insurance

Customers can bundle multiple Safeco policies (such as home and auto) to qualify for discounts.

## <a id="sellhomeowners"></a>Does Safeco Sell Homeowners Insurance?

Yes, Safeco sells [homeowners insurance](https://www.coveragecat.com/insurance-types/homeowners-insurance) in most states. Safeco does not operate in [Delaware, Florida, Hawaii, or Washington, D.C.](https://www.safeco.com/underwriting-companies) It has also started withdrawing from some California areas due to increased wildfire risk. [Starting in January 2025, Safeco stopped writing new condo, renters, and watercraft policies in California](https://www.insurancebusinessmag.com/us/news/breaking-news/safeco-to-exit-specialty-insurance-lines-in-california-by-2026-519040.aspx). [In January 2026, the company will stop writing new specialty vehicles, motorcycle, and non-good driver auto products in California](https://www.insurancejournal.com/news/west/2024/12/20/805665.htm) as part of its strategy to create a more sustainable operational model in that volatile market.

### Standard Homeowners Coverage

Homeowners insurance from Safeco covers damage to your house and other property structures from risks like fire, storm damage, or fallen trees. Standard policies include:

* **Dwelling Coverage:** Pays to repair or rebuild your home's structure
* **Other Structures Coverage:** Covers detached structures like sheds or fences
* **Personal Property Coverage:** Protects your belongings from theft or damage
* **Loss of Use:** Covers temporary living expenses if your home becomes uninhabitable
* **Personal Liability:** Protects you from lawsuits related to injuries on your property
* **Medical Payments:** Covers medical expenses for guests injured on your property

### Optional Homeowners Coverage

Safeco offers several add-on coverages, including:

* **Equipment Breakdown:** Protection against unexpected mechanical failures
* **Personal Offense Coverage:** Provides broad protection against lawsuits related to libel, slander, defamation, invasion of privacy, and other offenses, including social media comments
* **Identity Recovery:** Assistance with identity theft resolution
* **Service Line Coverage:** Protects underground utility lines
* **Valuable Articles Coverage:** Additional protection for high-value items like jewelry or art
* **Replacement Cost Upfront:** Allows you to rebuild in a new location after a total loss

### Single Loss Deductible Feature

For customers who bundle their policies with a Safeco Package, they can utilize a single loss deductible. If a single disaster strikes both your home and your car, you'd pay only one deductible after your home deductible is paid.

## <a id="sellauto"></a>Does Safeco Sell Auto Insurance?

Yes, Safeco offers comprehensive [auto insurance](https://www.coveragecat.com/insurance-types/car-insurance) coverage in all 50 states and Washington, D.C. [Safeco's auto claims system allows policyholders to file claims online 24/7 and track them via the website or app](https://www.safeco.com/claims/auto-claims).

### Standard Auto Coverage

Safeco's standard auto policies include:

* **Liability Coverage:** Bodily injury and property damage you cause to others
* **Collision Coverage:** Damage to your vehicle from accidents
* **Comprehensive Coverage:** Non-collision damage such as theft, vandalism, or weather
* **Uninsured/Underinsured Motorist:** Protection when hit by drivers with insufficient insurance
* **Medical Payments:** Covers medical expenses for you and your passengers

### Unique Auto Features

Safeco auto policies offer distinctive features in some states:

**Accident Forgiveness:** After a set number of years with no at-fault accidents or violations, Safeco will waive a rate increase after your first accident.

**Diminishing Deductible:** Your deductible decreases by $100 per year (up to five years/$500) if you maintain a clean driving record.

**Claims-Free Cash Back:** In some states you'll also receive a check for 2.5% of your premium every six months if you don't have any at-fault claims.

**New Car Replacement:** If your car is totaled or stolen and is less than one year old with fewer than 15,000 miles, Safeco will supposedly pay to replace it with a comparable new car.

**Rideshare Coverage:** Safeco's rideshare coverage closes the gap in coverage while you wait for a ride request.

**RightTrack Telematics:** This program tracks your driving habits (braking and acceleration) through the Safeco mobile app and supposedly rewards safe driving with discounts.

## <a id="howdoesitwork"></a>How Does Safeco Insurance Work?

Safeco operates exclusively through independent insurance agents. You cannot purchase Safeco policies directly online from the company's website.

### How to Get a Quote

1. **Find an Independent Agent:** Connect with a local Safeco agent through the company's agent locator
2. **Discuss Your Needs:** Your agent will assess your insurance requirements and explain coverage options
3. **Compare Options:** Independent agents can show you quotes from multiple insurers, not just Safeco
4. **Customize Your Policy:** Choose from many options to tailor your coverage
5. **Purchase and Manage:** Manage your policy through the Safeco mobile app or website after purchase

### Claims Process

You can file your claim online at any time with basic details. The process works as follows:

1. **File Your Claim:** Submit online, via the mobile app, or by calling 800-332-3226
2. **Document the Damage:** Provide photos or allow an in-person review, depending on the claim
3. **Get an Estimate:** An adjuster reviews the damage and estimates repair costs
4. **Complete Repairs:** Choose your own contractor or use Safeco's Guaranteed Repair Network
5. **Receive Payment:** Get paid the amount owed, minus your deductible

The company states claims should take about 30 days to process. However, many customers report their process took several months.

### Discounts Available

Safeco offers several discounts:

* **Multi-Policy Discount:** Bundling home and auto supposedly saves up to 15%
* **Protective Devices:** Homes with burglar alarms or sprinkler systems may earn discounts
* **New Home Discount:** Homes less than 10 years old allegedly qualify
* **Advance Quote:** Requesting a quote before the policy effective date may save money
* **Umbrella Policy:** Bundling an umbrella policy with home insurance may provide additional discounts

## <a id="proscons"></a>Pros and Cons of Safeco Insurance

### Safeco Insurance Strengths and Weaknesses

| Pros | Cons |
|------|------|
| Available in most states with comprehensive coverage options | Customer satisfaction scores significantly below industry average in J.D. Power studies |
| Strong financial backing from Liberty Mutual | NAIC complaint index of 1.98 for home insurance and 1.70 for auto—nearly double the industry average |
| A (Excellent) rating from AM Best for financial strength [(AM Best, "Safeco Insurance Company of America", 2026)](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=2448) | Must work through independent agents; no direct online purchase |
| Unique features like diminishing deductible and accident forgiveness | Not available in Delaware, Florida (homeowners), or Hawaii |
| Single deductible option when bundling home and auto | Ranked second-to-last in 2025 J.D. Power Property Claims Satisfaction Study |
| 24/7 claims reporting and customer service | Customer complaints focus on rate increases and service responsiveness |
| Wide array of customizable coverage options | Active litigation regarding claims handling practices and policy non-renewals |

## <a id="ratings"></a>Ratings and Customer Feedback for Safeco Insurance

### Financial Strength Ratings

Safeco has an A (Excellent) financial strength rating from AM Best [Ibid.](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=2448). This rating indicates excellent financial stability and the ability to meet obligations to policyholders.

### Third-Party Ratings Summary

| Source | Rating | Highlight |
|--------|--------|-------------|
| AM Best | A (Excellent) | Strong financial position to pay claims |
| Better Business Bureau | A+ | Accredited business [(Better Business Bureau, "Safeco Insurance Company of America Business Profile", 2024)](https://www.bbb.org/us/ks/overland-park/profile/insurance-companies/safeco-insurance-company-of-america-0714-99090445) |
| J.D. Power Property Claims (2025) | Second-to-last | Safeco and Homesite ranked at the bottom for customer service during claims |
| J.D. Power Auto Insurance Study (2025) | Below Average | Safeco scored in six of 11 regions and ranked last or near last in all; also scored ten points below industry average in 2024 Auto Claims Satisfaction Study |
| NAIC Complaint Index (Auto, 2023) | 0.95 | Colorado data shows below-average complaint ratio for auto [(Colorado DOI, "Complaint Ratio and Complaint Index Information (2023)", 2023)](https://www.dora.state.co.us/pls/real/ins_comp_ratio_report.generate_report?p_company_name=&p_min_complaints=5&p_min_marketshare=0.10&p_order=ASC&p_order_by=group&p_policy_type=AUTO&p_report_format=HTML&p_report_id=Complaint+Ratio+and+Complaint+Index+Search+Results&p_report_type=Standard+Reports&p_report_year=2023) |
| NAIC Complaint Index (Home) | 1.98 | More complaints than the average homeowners insurance provider its size receives |

### Customer Review Summary

| Source | Avg. Rating | Representative Quote | Takeaway |
|--------|-------------|---------------------|----------|
| Trustpilot | Mixed (~3.5/5, 62 reviews) | "In 2024, Safeco jacked up our rate to $5,050... And now, starting 2025, with no claims whatsoever, they raised our homeowners insurance to over $8,600!" (February 2025) | Significant concerns about rate increases |
| U.S. News | Varied | Safeco provides homeowners insurance coverage in every state [(U.S. News, "Safeco Homeowners Insurance Review for 2026", 2026)](https://www.usnews.com/insurance/homeowners-insurance/safeco) | Recognized for single-deductible bundling benefit |
| Yahoo Finance | 3.6/5 stars | Review covers cost comparisons and coverage details [(Yahoo Finance, "Safeco auto insurance review 2026: 3.6 out of 5 stars", 2026)](https://finance.yahoo.com/personal-finance/insurance/review/safeco-auto-insurance-review-144812397.html) | Mixed performance across categories |
| Insurance Business Magazine | A (Excellent) FSR | A.M. Best's ratings reflect strong financial position [(Insurance Business Magazine, "Safeco Insurance rating: A look at the insurer's latest performance", 2026)](https://www.insurancebusinessmag.com/us/guides/safeco-insurance-rating-a-look-at-the-insurers-latest-performance-552964.aspx) | Financial strength confirmed by multiple sources |

### Real Customer Reviews for Safeco Insurance

<div class="grid customer-review">
  <div class="column">
    <p>5 ★</p>
    <p><b>Positive Experience, February 2025</b></p>
    <p><a href="https://www.trustpilot.com/review/www.safeco.com"><span class="text-muted">via Trustpilot</span></a></p>
  </div>
  <div class="column">
    <p>"People really like to post negative reviews, and I am sure there can be some validity to them and sometimes not as we don't know all of the reasons and they might not either. But for me, granted they had some rate increase the past year and a half like everyone, but 2025 Jan 20th on the home and Feb 1st on the auto no rate increases in Michigan, which is awesome. And the times I have had claims, they were able to be dealt with online and via the phone."</p>
  </div>
</div>

<div class="grid customer-review">
  <div class="column">
    <p>1 ★</p>
    <p><b>Rate Increase Concern, February 2025</b></p>
    <p><a href="https://www.trustpilot.com/review/www.safeco.com"><span class="text-muted">via Trustpilot</span></a></p>
  </div>
  <div class="column">
    <p>"We moved to Texas three years ago and were referred to a local Safeco insurance agent through our realtor. Initially, we paid nearly $3,900 a year for home insurance in 2023. In 2024, Safeco jacked up our rate to $5,050, which somehow missed our notice. And now, starting 2025, with no claims whatsoever, they raised our homeowners insurance to over $8,600! We were absolutely shocked by this outrageous increase."</p>
  </div>
</div>

<div class="grid customer-review">
  <div class="column">
    <p>2 ★</p>
    <p><b>Claims Processing Issues, November 2024</b></p>
    <p><a href="https://www.trustpilot.com/review/www.safeco.com"><span class="text-muted">via Trustpilot</span></a></p>
  </div>
  <div class="column">
    <p>"We discovered a water leak on September 9, 2024, resulting in severe mold in our kitchen, bathroom, and laundry room. Safeco sent 3 different people out to quote mold remediation. They did not remove the mold until November 11, 2024 because they didn't like any of the quotes from the people they sent out. My family had to breathe in black mold for 2 months... Safeco will not return our calls or emails to order the materials needed to repair and begin the restoration work."</p>
  </div>
</div>

<div class="grid customer-review">
  <div class="column">
    <p>2 ★</p>
    <p><b>Policy Non-Renewal Concerns, 2025</b></p>
    <p><a href="https://www.reddit.com/r/Insurance/comments/1kqkiwe/safeco_your_experiences/"><span class="text-muted">via Reddit</span></a></p>
  </div>
  <div class="column">
    <p>"Safeco just increased my house insurance by 120% at the renewal after forcing me to spend $1500 on removing trees and overhang. They said in a new policy they won't cover certain things unless I do these improvements."</p>
  </div>
</div>

<div class="grid customer-review">
  <div class="column">
    <p>3 ★</p>
    <p><b>Mixed Experience, 2023</b></p>
    <p><a href="https://www.consumeraffairs.com/insurance/safeco-homeowners.htm"><span class="text-muted">via ConsumerAffairs</span></a></p>
  </div>
  <div class="column">
    <p>"They have been very helpful and very convenient to use. They are also not as expensive as other home insurance companies. They are always a great help when I call in to ask questions... Our house was damaged in a hail storm… We called our insurance agent here and they contacted Safeco for us… The representative was at our home the first day."</p>
  </div>
</div>

<div class="grid customer-review">
  <div class="column">
    <p>1 ★</p>
    <p><b>Customer Service Issues, August 2025</b></p>
    <p><a href="https://www.consumeraffairs.com/insurance/safeco-auto-insurance.html"><span class="text-muted">via ConsumerAffairs</span></a></p>
  </div>
  <div class="column">
    <p>"I am not a customer of Safeco, I am subject to an accident where the other person has Safeco insurance. Their claims process has to be the worst out of any insurance company I've dealt with... I called right back and received no response. This continued for 3 days, with me calling the representatives direct line and emailing her multiple times. I also called the Safeco main line and got in contact with multiple representatives that said I'd get a call back within the hour. Never happened."</p>
  </div>
</div>

### Active Legal Matters

[Safeco faces class action litigation in California for allegedly dropping homeowners' policies based on inaccurate aerial inspection reports](https://www.singletonschreiber.com/newsroom/pressreleases/safeco-insurance-sued-for-unfairly-dropping-california-homeowners-policies). The lawsuit alleges Safeco relied on flawed aerial inspections that falsely reported roof issues such as algae, mildew, or mold, leading to unjust policy non-renewals. The suit seeks damages, restitution, and an injunction for violations of California's Unfair Competition Law.

[Safeco and Liberty Mutual are also involved in a homeowners hail case in Oklahoma](https://www.insurancebusinessmag.com/us/news/catastrophe/safeco-and-liberty-mutual-snared-in-homeowners-hail-case-by-branding-letterhead-527422.aspx), where plaintiffs accuse the companies of breach of contract and bad faith. The court ruled that a bad faith claim could proceed based on Safeco and Liberty Mutual's alleged involvement in claims handling.

## <a id="customersupport"></a>Get Customer Support Or File A Claim With Safeco Insurance

### Customer Support Channels

**Phone:** 800-332-3226 (24/7 availability)

**Online:** Log in to your account at safeco.com to manage your policy

**Mobile App:** Available for iOS and Android to file claims, pay bills, and view policy documents

**Independent Agent:** Contact your local Safeco agent for policy questions and service

### How to File a Claim

**Online or Mobile App:** File your claim online at any time with basic details

**By Phone:** Call 800-332-3226 for 24/7 claims reporting

**Through Your Agent:** Your independent agent can assist with the claims process

### Cancel Your Policy

Call your local agent or the customer support line at 800-332-3226. Safeco will return any unearned premium within a couple of weeks.

## <a id="faq"></a>Frequently Asked Questions

### Is Safeco Insurance a Real Insurance Company?

Yes, Safeco is a legitimate insurance company operating since 1923. Liberty Mutual, one of the largest auto insurance providers in the U.S., owns Safeco. The company has an A rating for financial strength from AM Best [(AM Best, "Safeco Insurance Company of America", 2026)](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=2448), confirming its ability to fulfill claims.

### What is Happening to Safeco Insurance in 2026?

Liberty Mutual Insurance is retiring the Safeco Insurance brand name in 2026 [(Insurance Journal, "Liberty Mutual to Retire Safeco Brand Name in 2026", 2025)](https://www.insurancejournal.com/news/national/2025/03/04/814036.htm). All personal lines products will operate exclusively under the Liberty Mutual name. Safeco customers will keep their agent relationships, and their policies will remain unchanged except for the name and logo.

### How Does Safeco Insurance Make Money?

Safeco generates revenue through insurance premiums paid by policyholders. The company uses actuarial analysis to price policies and invests premium reserves for additional income. As a Liberty Mutual subsidiary, Safeco benefits from the financial strength and resources of its parent company.

### Is Safeco Insurance Affordable?

Safeco does not publicly disclose its rates. Research suggests Safeco performs well compared to other providers on pricing, and the company is known nationally for offering cheaper than average auto insurance policies. However, rates vary significantly based on location, driving record, coverage choices, and other factors. Multiple customer reviews report substantial premium increases at renewal, particularly for homeowners insurance.

### Should I Buy Safeco Insurance?

Safeco may work well if you:
* Want to work with an independent agent for personalized service
* Value bundling discounts and unique features like diminishing deductibles
* Have a good driving record and qualify for accident forgiveness
* Live in an area where Safeco offers competitive rates

Consider alternatives if you:
* Prioritize customer service ratings and claims satisfaction
* Prefer purchasing insurance directly online without an agent
* Live in Delaware, Florida (for homeowners), or Hawaii
* Are concerned about complaint ratios significantly above industry averages
* Need specialty coverage in California (condo, renters, watercraft, motorcycle)

Given Safeco's complaint index score of 1.98 for home insurance—nearly double the industry average—and poor performance in J.D. Power customer satisfaction studies, compare quotes from multiple insurers before deciding.

### Does Safeco Offer Umbrella Insurance?

Yes, Safeco offers [umbrella insurance](https://www.coveragecat.com/insurance-types/umbrella-insurance) policies. A Safeco umbrella policy covers claims beyond the limits of existing auto or home insurance policies, adding $1 million and up in additional liability coverage. Safeco umbrella insurance may also cover claims not included in standard liability policies, like slander, libel, and psychological harm. Umbrella insurance is available in $1 million increments up to $5 million, with up to $10 million available in select states.
