Helps repair or rebuild your home and other buildings on your property
personal property coverage
Protects your furniture, electronics, clothing, and more—at home or on the road
personal liability coverage
Covers costs if someone is injured on your property or you damage their property
additional living expenses
Helps pay for housing and other expenses while your home is being repaired or rebuilt
optional home insurance coverages*
Protects you and your family from identity theft, lost wages, and other expenses
Covers valuable items, like jewelry, art, and antiques, if they’re damaged or stolen
Replaces covered appliances, computers, water heaters, and more if they stop working
personal property replacement cost protection
Pays the actual cost to replace your covered personal belongings, regardless of condition
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!
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?
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?
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?
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.