I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them. Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Mar 4, 2021

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Safeco Insurance is a very well run company.

They’ve been around for almost 100 years, which says a lot about their staying power!

Safeco Insurance was formerly known as “The General” before the name was switched to Safeco in 1953.

​Safeco offers a comprehensive selection of insurance products that we will cover.

Table of Contents:

Safeco Auto Insurance

safeco insurance

Safeco auto insurance has been protecting divers for more than 85 years!

Here are a few additional coverage options you can choose to add to your auto insurance policy:

  • Electronic key and lock replacement
  • Pet coverage (in the event that a pet is injured or killed in an accident)
  • Gap coverage
  • Custom equipment coverage

But automotive expenses can often be trimmed. You could find significant savings by shopping for better rates on what could be the biggest items in your auto budget: monthly loan payments and insurance premiums.

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Safeco Home Insurance

Safeco homeowners insurance offers a number of customizable options.

​There are a number of extra coverage options that you can purchase on top of standard coverage.

Some of the most popular add-ons include:

  • Personal property replacement cost
  • Valuable articles protection
  • Identity recovery
  • Single loss deductible
  • Equipment breakdown coverage

Safeco Renters Insurance

Safeco renters insurance gives you peace of mind even if you don’t own your residence.

It also protects you if you’ve been legally held responsible for an injury while someone is visiting your home.

Safeco Motorcycle Insurance

Motorcycle Insurance protects cyclists and if you ride you know insurance is a MUST!

Yep, especially if you have a family. Let’s face it this is not the safest hobby in the world so it makes sense to get a great policy.

Safeco Motorcycle Insurance is a good place to start your search.

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Safeco Umbrella Policy

A Safeco umbrella insurance policy provides an extra layer of coverage for those situations you just don’t anticipate.

They usually offer between $1 – 5 million in coverage. Your standard home and auto insurances are still your first line of defense.

One Safeco umbrella insurance policy will cover the needs of your whole family.

Safeco Boat & Watercraft Insurance

If you own a boat, insurance is VERY important!

​​Buying boat insurance will save you money if something unforeseen happens.

​ ​Comprehensive boating insurance protects you, your friends and family, your boat, your PWC, and your boating gear for an entire year.

Your watercraft is also covered on land!

Safeco Landlord Protection Insurance

​If you are a landlord you know what a big investment your real estate is.

Landlord insurance protects you from damage & certain types of liability unique to landlords, such as wrongful eviction and entry.

Safeco Landlord Protection Insurance also provides tenant screening if you want that option.

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Other Safeco Insurance Products

Safco offers numerous other insurance products including:

Safeco Insurance Added Benefits

Accident Forgiveness

With accident forgiveness, your rates won’t increase from as the result of your first accident so long as you keep a clean driving record for a set number of years.

Diminishing Deductibles

Diminishing deductibles is another feature that rewards policyholders for their safe driving.

For every year you don’t make an insurance claim,  you’ll save $100 on your collision deductible. But, this feature maxes out at $500!

24 Hour Customer Support

Life happens 24/7 and Safeco Insurance representatives are available for you no matter what time of the day it is.

Knowing that you can reach a representative at any time gives Safeco policyholders some security.

Safeco Insurance Financial Ratings

I highly recommend that you refer to rating agencies like A.M. Best as a resource to determine the financial strength of the insurance company you choose BEFORE you sign on the dotted line.

As mentioned above, Safeco Insurance is very strong in this department.

This insurer is backed by Liberty Mutual Insurance, which is ranked in the Fortune 100 list of top U.S. corporations.

Here are a few of Safeco Insurance’s financial strength ratings from some of the top agencies:

  • A.M. Best Company gave Safeco Insurance an A (excellent) rating
  • Moody’s Investor Service gave Safeco Insurance an A2 (good) rating
  • Standard & Poor’s gave Safeco Insurance an A- (strong) rating

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Safeco Insurance Pros and Cons

Pros:

  • Financial strength
  • Accident forgiveness
  • Diminishing deductibles
  • 24 hour customer support

Cons:

  • The company isn’t particularly cheap – yes, there are better deals out there
  • They need to work on customer service
  • Their application process needs a little streamlining
  • They request more personal information than I would like to give

Is Safeco Insurance For You?

Good news! Safeco Insurance is financially stable  – to say the least!

Across the board – rating agencies give them lots of love.

That’s right, you won’t have to worry about this company going broke!

This means their offering is top-notch, when it comes to your peace of mind. Who wants to worry about making a claim?