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rest assured with Safeco® home insurance

confidence for everything (and everyone) under your roof

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get a home, auto, or other insurance quote today!

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Safeco home insurance: coverage for the home that covers you

Safeco homeowners insurance coverage isn’t just about your house. It’s about what goes inside: your belongings, your memories, and most importantly, the people you care about. Everything that makes your house, well, a home. Talk to an independent Safeco agent today to start building your custom home insurance quote and learn how you can cover all the things that matter to you.

standard home insurance coverages*

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home coverage

Helps repair or rebuild your home and other buildings on your property

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personal property coverage

Protects your furniture, electronics, clothing, and more—at home or on the road

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personal liability coverage

Covers costs if someone is injured on your property or you damage their property

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additional living expenses

Helps pay for housing and other expenses while your home is being repaired or rebuilt

optional home insurance coverages*

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identity recovery

Protects you and your family from identity theft, lost wages, and other expenses

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valuable articles

Covers valuable items, like jewelry, art, and antiques, if they’re damaged or stolen

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Replaces covered appliances, computers, water heaters, and more if they stop working

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personal property replacement cost protection

Pays the actual cost to replace your covered personal belongings, regardless of condition

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a Safeco home insurance quote as unique as you

No two homes are alike. No two families are alike. Let your independent Safeco agent help you find the right combination of coverage and value. Your agent will work with you one-on-one to provide you with a free, no-commitment-necessary insurance quote that fits your personal needs (and your budget), so you can make an informed decision if and when you’re ready to buy a policy.

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what makes a Safeco homeowners policy different?

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Some home insurance companies offer “bare bones” policies that only cover your house. This means you have to add extra coverage if you want to protect your furniture, your shed, or anything else on your property. At Safeco, all homeowners insurance policies come standard with protection not only for your home, but the things you keep in or around it.

And when you combine your homeowners coverage with another Safeco insurance policy using the Safeco Package, you can take advantage of the multiple-loss single deductible. For example, if your car, motorcycle, or boat are damaged in the same event as your house, you only have to pay one deductible!

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    personal property coverage standard
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    other structures coverage included
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    multiple losses, one deductible with Safeco Package

Safeco homeowners insurance discounts and savings**

Your home may be your biggest investment, but that doesn’t mean you should have to pay through the nose to protect it. Safeco offers different ways for you to save on your homeowners insurance. Let your independent Safeco agent help you find all the discounts you may qualify for today!

how to save on homeowners insurance with Safeco:

the Safeco Package

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Combine your home and car insurance policies to save up to 15 percent and pay only one deductible for multiple losses.

multi-policy discount

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Cover your car, motorcycle, or boat and save big on your homeowners insurance.

new home discount

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Enjoy a special discount on your homeowners insurance if your home is less than 10 years old.

choose a higher deductible

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Lower your home insurance premium by selecting a higher deductible and pay less on your bill.

pay your premium in full

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Take care of your premium for the year and save on what you would have paid on a monthly plan.

Safeco homeowners insurance  FAQs

Get answers to common questions about homeowners insurance here. Don’t see your question? Simply talk to a friendly, independent Safeco agent today. Your agent will help answer any and all questions you may have regarding policies, rates, and more!

what is homeowners insurance?

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Hopefully it never happens to you, but let’s say your roof is damaged in a thunderstorm. Or someone breaks into your house and steals your TV. Homeowners insurance is designed to help you make the best of a bad situation by helping pay for the costs of repairing or rebuilding your house (or replacing the things you keep inside it) if and when the unfortunate happens.

what does homeowners insurance cover?

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That all depends on you, your situation, and your budget. An independent insurance agent can help you determine how much coverage you may need, but home insurance policies generally cover one or more of the following:

  • Your house
  • Your personal belongs (furniture, electronics, clothing, etc.)
  • Other buildings on your property (external garage, shed, fences, etc.)
  • Additional living expenses (if your house becomes uninhabitable due to a covered loss)
  • Personal liability and legal fees if someone is injured on your property
  • Valuables, such as jewelry, art, and antiques (usually an optional add-on)

when should I get homeowners insurance?

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Whether you’re financing your home or paying in full, you’ll want to start shopping for homeowners insurance as soon as you have a non-contingent purchase agreement signed by both you and the seller. If you’re financing your home, keep in mind, some mortgage lenders may require you to purchase homeowners insurance before they’ll release funds.

what’s the difference between hazard insurance and homeowners insurance?

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Generally speaking, hazard insurance means coverage specifically for the structure of your home (i.e., the walls, roof, foundation, etc.) Depending on your policy, your homeowners insurance may cover any number of “hazards” to your house, such as fire, water, or hail damage or damage due to things like burglary or vandalism.

At Safeco, hazard insurance is included standard on all homeowners insurance policies.