Log in Home Insurance We feel at home keeping you covered Find a local agent Enter your ZIP code to get started ZIP code zip code Search by agency name CoveragesDiscountsFAQs Get to know your homeowners coverage options With Safeco’s broad array of coverage options, your independent agent can tailor your policy to fit your needs, and your budget. Learn more about the unique home insurance coverages we offer below, then contact a local agent to discuss the right coverage for you. Coverage Real-life scenario Standard Optional Personal Property Coverage If your personal possessions—including furniture, clothing, and appliances—are damaged or stolen as a result of a covered loss, Safeco will arrange for them to be repaired or replaced. Personal Liability Coverage Safeco will defend you if someone makes a claim against you for accidentally causing an injury or damaging property — for example, if someone is hurt in your yard or you damage property at someone else’s home. Dwelling Your home will be protected against losses from events such as fire or lightning; weight of ice, snow, or sleet; windstorms; hail; theft or vandalism; and more. Valuable Articles Coverage Extra coverage for high-value items such as jewelry, art, collectibles, or camera equipment. Equipment Breakdown Coverage For just $2 a month, equipment breakdown coverage is a cost-effective way to keep critical household equipment up and running after mechanical or electrical breakdowns—which are often not covered under a standard homeowners policy.1 Guaranteed Repair Network This program connects you with prequalified experts to create estimates and perform repairs quickly, seamlessly, and with a guaranteed material and labor warranty backed by Safeco.2 We offer so many more coverage options at Safeco. View all of our coverages below, then connect with a licensed independent agent near you to determine the best coverage options for your home. View all coverages You could save money with Safeco’s home insurance discounts3 Safeco Package Combine your auto policy and Safeco Homeowners Policy into a Safeco Package and save. Protective devices Save on your home insurance if you have a burglar alarm or sprinkler system. More opportunities to save If you have a newer home, enroll in an advanced quote, or sign up for an Umbrella insurance package, you may be eligible to save. How your home deductible works A home insurance deductible is what you pay out of pocket to repair your home if you have a claim. For example, if you have a $500 deductible and $2,000 in repair costs, you’ll pay $500 and Safeco will pay the remaining $1,500. You have a choice of deductible amounts; choosing a higher deductible lowers your insurance rate but requires greater out-of-pocket expenses should you have an accident. Connect with an agent today to learn more. Find an agent Start with a quote — finish with an agent Policy type Auto Homeowners Renters Condo Boat Motorcycle RV Umbrella Landlord Protection ZIP code Get started Common homeowners insurance questions Looking for answers? Browse the most frequently asked questions below, or contact an agentto discuss home and property insurance today. Are you required to have homeowners insurance? Does home insurance cover damages caused by an earthquake or flood? What is the difference between flood and water damage? 1 Equipment Breakdown provides protection in the event of an unexpected mechanical or electrical breakdown not caused by normal wear and tear, or corrosion. Only available through a Safeco Home Policy. Not available in all states. 2 The terms and conditions of your Safeco Homeowners Policy and any related endorsements will prevail in the settlement of your claim, and will be subject to a deductible amount, which will be paid by you. You are in no way obligated to use our Guaranteed Repair Network. Additional payments may apply based on terms and conditions of your Safeco Homeowners Policy and any related endorsements. Roofing replacement warranty: five (5) years on replacement and three (3) years on roof repairs. The guarantee is nontransferable and does not extend to upgrades, deviations, and/or additions that you may have elected to include in addition to the claim-related repairs. To ensure the quality, reliability, and integrity of the program, all claim-related repairs assessed by Safeco’s Claims Representative must be completed by the assigned contractor only. Damage caused by normal wear and tear, improper maintenance, or unreasonable use is not covered. Not all services available in all geographic locations. Warranties and deductibles may vary. For more information, contact your claims Claims Representative. 3 Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Resources Log in Create your account Customer support Pay your bill Fraud alert Careers Insurance agents Find an agent Become an agent Agents in the community Languages EnglishEspañol Roadside assistance 1-877-762-3101 File a claim 1-800-332-3226 File your claim online Privacy policy | Security policy | Terms and conditions | Member rights | Underwriting companies | Producer compensation disclosure | Equal opportunity employer | Web accessibility policy | Site map © 2020 Liberty Mutual Insurance, 175 Berkeley Street, Boston, MA 02116 Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.