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Safeco Home Insurance Ratings
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Reasons for Buying from Safeco
Customers of Safeco originally decided to purchase from the company for these reasons:
| Offered best price | 27% |
| Recommended by friend or family member | 20% |
| Reputation | 18% |
| I had other insurance with this company | 14% |
| Saw online ad | 6% |
| Was the company my parents had | 5% |
| The company website and mobile apps are easy to use and helpful | 4% |
| Financial Strength rating | 3% |
| Saw TV commercial | 3% |
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About Safeco
Homeowners policies offered
- Renters insurance
- Condo insurance
Additional policies include
- Auto insurance
- Classic car
- Boat/watercraft insurance
- RV insurance
- Umbrella
- Landlord
Best Home Insurance Companies 2020: How Safeco Home Insurance Compares
Safeco ranked 6th overall this year in the Best Insurance Companies for home insurance. Safeco’s highest showing in the individual rating factors was 4th for both ease of use of website and apps and value for price. It ranked midpack, 7th, for customer service and also placed 11th for claim service. Most all surveyed policyholders, 94%, said they would renew with Safeco, while 81% said they would recommend the company to friends and family.
Gauging an insurance company
Before buying with a company it is wise to check on a company's financial strength and complaint record. The A.M. Best rating listed above gives you an idea of Safeco's financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median. For home insurance, Safeco (NAIC# 24740) had a complaint ratio of 0.61 for 2018. 2019 complaint numbers will be available in 2020.
Company Background
Safeco homeowners programs
- Identity Recovery Coverage -- For a buck a month, they'll help cover the cost of restoring your identity (up to $25,000) if you're the victim of identity theft.
- Equipment Breakdown Coverage -- For $2 a month, if something happens to any covered appliance that isn't related to regular wear and tear, this insurance will replace it.
A west coast original
Hawthorne K. Dent, an insurance executive, founded the General Insurance Company of America in Seattle, Washington, 1923.
His company quickly gained a reputation for competitive prices and solid customer service and grew steadily, soon being offered in states around the country. But as it sometimes happens, the name changed along the way. In the 1960s, General Insurance Company of America became Safeco, or Selective Auto and Fire Insurance Company of America.
And in 2008, Safeco really changed. It became a subsidiary of Liberty Mutual Insurance. It still retains its name, Safeco, but is part of the Liberty Mutual Insurance family. They focus solely on personal insurance, like home and auto.
Consider Safeco Insurance if you want specialized customer service
Safeco will offer you discounts for bundling, and it has fine insurance products. But it does have a small town charm built into its infrastructure. The company encourages its customers to work with one of its many independent Safeco insurance agents. That said, the website is designed so that if you aren't a people person, and you just want to do everything online or through an automated phone system, you can.
Contact information
Safeco Insurance
100 Liberty Way
Dover, New Hampshire 03820
(888) 723-3260
Types of special coverage
Identity recovery. Provides money if your identity is stolen.
Equipment breakdown. Helps if an appliance breaks.
Personal property replacement. Coverage helps pay for the cost of new personal property when you sell the old items.
Single-deductible. If you combine home and auto policies, you only have to pay one deductible if both are damaged by the same covered event.
Discounts
Multi-policy. Discount for more than one type of policy with the same insurance provider.
New home. Discount if you have a new home.
Pay in full. Discount if you pay your premiums in full.
Feedback of Surveyed Policyholders
Our survey asked policyholders to share experiences or give feedback that they would
like to share with others looking to potentially buy from their current insurance company. Here's what they had to say:
Positive Feedback
Neutral/Negative Feedback
"The claim process is to slow and some time their app got hanged"
"To me the company is charging extra money and I don't like it"
"If they improve insurance offers and correct or improve products I'd recommend them "
"I claim against my policies but they have taken a long time to make it clear"
"Well once they took money out of my account and tried to lie about it but we handled it and now everything is running smoothly now"
"Moderate service."
"Nothing bad with them, nothing great either"
"I have no complaints"
"If they can lower the price I'd be happier"
"It seems to work well so far"
"Claim process of of this company is not so nice"
"Company is performing good but not able to make good reputation as compare to other company"
"Policies of this company is quite complex. New customer may face difficulty to understand"
"Horrible hail storm in neighborhood. EVERY house got a new roof from their insurance company except me. My carrier said to patch it"
"I don't care for the price I have to pay with them."
"Not filed any claims, else no problem"
"I have never contacted them, nor them, me. Except for billing and payment"
"No real experience with them, just pay the premiums"
"Each year at renewal time the policy premiums go up. When called to find out why reached a person immediately who explaned the reason but I'd prefer for the bill to say why so I don't have to call."
"They are all the same. You pay a lot of money then you fight them when you need coverage. They are all the same."
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"They treat their customer like their important employee"
-Age 18-36, Arizona"company is providing a multiple policies with better points which make me more choose"
-Age 18-36, Arkansas"they are not able to give best services as compare to other"
-Age 18-36, Arkansas"Cares for the needs of its customers and has an excellent staff trained to answer the concerns of customers"
-Age 18-36, California"It has a great cost"
-Age 18-36, California"They are good, nothing in particular I'd share."
-Age 18-36, California"They are really good and they offer me really good attention."
-Age 18-36, California"I have never had to process a claim with them but signing up was very quick and easy."
-Age 18-36, Colorado"They are very helpful and friendly and will always help get you the answers you need"
-Age 18-36, Colorado"They reply to my questions as early as possible"
-Age 18-36, Colorado"This company is good"
-Age 18-36, Colorado"They are providing good policies"
-Age 18-36, Connecticut"Affordable prices with them"
-Age 18-36, Delaware"They are using best practices which make their process simple"
-Age 18-36, Delaware"Very honest with me and rest of their customers"
-Age 18-36, Delaware"Como dije antes la atencion y seguimiento son muy buenos y eso es lo importante en las compa'ias de seguros"
-Age 18-36, Florida"My agent has an excellent way of doing his job"
-Age 18-36, Florida"I feel safe and just as important not cheated with the cost "
-Age 18-36, Florida"I wish my company all the best and I am happy to refer them to others"
-Age 18-36, Florida"It was recommended by our realtor haven't had any issues. Haven't had to file a claim either."
-Age 18-36, Florida"My home is safe, after the robbery and the fire that I suffered they took care of everything. I am very satisfied with their work."
-Age 18-36, Florida"Others can trust and have satisfaction with this company that is very reliable"
-Age 18-36, Florida"They keep trying good things to make customer feel good"
-Age 18-36, Hawaii"The attention of this company to its customers is awesome"
-Age 18-36, Illinois"Fantastic support over the phone or in person"
-Age 18-36, Indiana"Best protection that I can get"
-Age 18-36, Michigan"Offers competiitve pricing on what I need"
-Age 18-36, Michigan"I like the services it offers to its customers"
-Age 18-36, Nevada"They give certain benefits to lucky customer almost every six month and give best services which I am sure attracts many new customers"
-Age 18-36, New Jersey"I like my coverages"
-Age 18-36, New York"I like very much how they talk to me on the phone if I have questions"
-Age 18-36, New York"I love the suport I get from them"
-Age 18-36, New York"The customer service agents are nice"
-Age 18-36, New York"They help you with all your doubts so you can get the right policy for your needs"
-Age 18-36, New York"I believe they have the cheapest prices around"
-Age 18-36, Ohio"I have this policy though an independent agent and it works out great"
-Age 18-36, Ohio"CSRs at the office are very helpful"
-Age 18-36, Pennsylvania"I feel like they are a good choice for the price."
-Age 18-36, Pennsylvania"Easy to reach a live knowledgeable person"
-Age 18-36, Tennessee"I feel good with my insurance because it gives the best offers"
-Age 18-36, Texas"They care about your personal needs and connect with you"
-Age 18-36, Washington"They give excellent premium to customer."
-Age 37-52, Arizona"Company offers online portal to save the valuable time of the customers also undertakes roadside assistance programs."
-Age 37-52, California"Great range of safety features are available, also prompt response to the problems of the customers."
-Age 37-52, California"So far its great! No complications or complaints to voice."
-Age 37-52, California"The insurance is easy to deal with."
-Age 37-52, California"Damages are given in case of customers property is spoiled or damaged due to different reasons and claims are quickly settled and satisfied."
-Age 37-52, Delaware"Got prompt response to my issues"
-Age 37-52, Delaware"You get service without stress"
-Age 37-52, Delaware"I love the service I get"
-Age 37-52, Florida"Company provides excellent feature for new customers which helps a lot"
-Age 37-52, Florida"They just don't raise the price for no reason"
-Age 37-52, Florida"Greate customer services they have respectful and friendly."
-Age 37-52, Georgia"They have a staff with a positive attitude and helpful people selling the policies"
-Age 37-52, Hawaii"This company is amazing just like the representatives. They treat their customers the way they would like to be treated. With respect, decency, and listening/hearing/communication skills are superb!"
-Age 37-52, Idaho"They offer good coverage for the price."
-Age 37-52, Idaho"Good experience with this company because it give 15% discount on policy when I combined my homeowner policy with auto policies."
-Age 37-52, Indiana"I like this provider because I deal with my agent that is here in town"
-Age 37-52, Indiana"We have not had many claims (all small) but they have been handled well."
-Age 37-52, Kansas"Good prices as compared to others."
-Age 37-52, Kentucky"All staff of this company is good and supportive."
-Age 37-52, Massachusetts"Overall, satisfied with everything"
-Age 37-52, Massachusetts"Honesty is the best policy"
-Age 37-52, Michigan"I can easily make changes, no worries at all"
-Age 37-52, Montana"They have the most to offer for me."
-Age 37-52, Nevada"All in one place service, available in need different insurance plans, health benefits."
-Age 37-52, New Jersey"It deals in the field of home insurance taking all responsibilities involved and solves the different issues relating homes, especially my beautiful home."
-Age 37-52, New Jersey"Never a problem have had consistent prices"
-Age 37-52, New York"Smooth and quick buying experience"
-Age 37-52, North Carolina"I haven't had to make a claim within the last few years, so I'm unfamiliar with the claims department. Customer service has always been great, though."
-Age 37-52, Oklahoma"Easy to reach via phone and rates are good"
-Age 37-52, Pennsylvania"Best quote always offer"
-Age 37-52, South Carolina"Good because they give extra efforts on new customers."
-Age 37-52, South Dakota"Taking care of all my needs at a very low price, that's all I wanted"
-Age 37-52, Texas"Seems just okay"
-Age 37-52, Washington"I get a break because it's the same company as my car insurance."
-Age 53+, Arizona"They give me a good response whenever I need help"
-Age 53+, Arkansas"Good coverage, reasonable price, competent representatives"
-Age 53+, California"Great rates"
-Age 53+, California"I have never had any problems with them nor made a claim. They renew me every year with what seems fair rate."
-Age 53+, California"This company uses updated tools to make the online process fast"
-Age 53+, District of Columbia"Helps customers issues, good price easy to reach and claim process is simple."
-Age 53+, Florida"They really want to take care of your needs and get you the best price possible. if you have questions you should ask them and expect friendly and comprehensive results."
-Age 53+, Florida"Good deductibles and fair prices."
-Age 53+, Hawaii"Good customer service and support"
-Age 53+, Kansas"Protect your home with this insurer!"
-Age 53+, Massachusetts"They treat you like a nice client and part of the family"
-Age 53+, Massachusetts"Assists in claim settlement, individual approach for each client, unique covers and exceptional service."
-Age 53+, Michigan"Good service and coverage, average price"
-Age 53+, Ohio"i have had the same policy for 19 years and it hasn't raised premiums as high as other insurance companies' offers. It gives me a 500 dollar deductible where others have a 1000 dollar. I am sticking with them!"
-Age 53+, Ohio"Settles claims fast"
-Age 53+, Ohio"Same company year after year, so far so good"
-Age 53+, Oklahoma"Company policies are good as they cover maximum things"
-Age 53+, Tennessee"Basic good original price"
-Age 53+, Texas"Excellent customer service and always are ready to work with me to meet my particular needs"
-Age 53+, Virginia"Assistance given to me was very kind and fruitful"
-Age 53+, Wyoming"They want to protect buyers house so it always feel like homes and offers unique covers and exceptional service."
-Age 53+, Wyoming