Save More with

Safeco® Home Insurance



Safeco has been providing coverage for its customers' prized possessions since it opened its doors in 1923.

Safeco home insurance coverage and discounts

Standard homeowners insurance includes coverage, up to the agreed-upon limit, for:


  • The structure of your home. If your home is damaged by a covered peril such as a fire, your homeowners insurance may cover the costs to repair or rebuild your home.
  • Other structures. If additional structures on your property such as sheds or detached garages are damaged or destroyed by a covered peril, your policy may help pay to fix or rebuild them.


  • The contents of your home. Furniture, clothing, jewelry, etc., may be covered by your homeowners policy. With this coverage, it's crucial that you know the limits on each.


  • Liability. If someone is injured in your home, liability coverage may help.


  • Additional living expenses. If you're temporarily displaced due to a covered claim, your Safeco homeowners insurance may help cover accrued expenses, such as hotels and food, until you can return to your home.

Get premium insurance without a high premium

Safeco Home Insurance is a real value. Discounts are available if you have a burglar alarm or a fire sprinkler system installed in your home. You may also qualify for a lower rate if you live in close proximity to a fire station.


Multiple Policy Discount

  • Save up to 15 percent when you combine your homeowners and auto policies as a Safeco Package.
  • Save even more with a multiple policy discount when you also add coverage for your motorcycle, boat or RV.


Less Than 10 Years Old

  • Qualify for a newer home discount when your house is less than 10 years old.

How to lower your home insurance bill

Choose a Higher Deductible

  • A higher deductible will lower how much you pay for your home insurance premium by shifting part of the loss payment to you. For example, if you have a $500 deductible, you’ll need to pay the first $500 of a loss out of your own pocket. A higher deductible will lower your home insurance bill, but will also increase how much you’ll end up paying yourself if you file a claim.


Pay Your Bill in Full

  • If you pay your bill in full when you start or renew a policy, instead of paying in monthly installments, you’ll end up paying less in the long run.

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