{"id":323650,"date":"2025-11-07T21:14:55","date_gmt":"2025-11-08T02:14:55","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=122896"},"modified":"2025-11-07T21:14:55","modified_gmt":"2025-11-08T02:14:55","slug":"safeco-review","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/safeco-review\/","title":{"rendered":"Safeco Homeowners Insurance Review"},"content":{"rendered":"\n\n <\/span>\n \n\n\n

Safeco is an insurance company owned by Liberty Mutual<\/a>. It operates through independent agents located across all 50 states. The company offers a variety of insurance types and coverage options including home, auto, umbrella and identity recovery policies. In addition, Safeco offers its customers several benefits and savings when they purchase more than one policy. <\/p>\n\n\n\n

Customer experience has been a relative weakness for Safeco\u2019s homeowners line. The latest J.D. Power U.S. Home Insurance Study<\/a> highlights industry-wide satisfaction pressure, and reputable summaries indicate Safeco\u2019s homeowners satisfaction is below the segment average in the most recent results (see current-year analyses from Forbes Advisor<\/a> and NerdWallet<\/a>). Regulatory data provide a public, numeric proxy: the NAIC Consumer Complaint Index<\/a> for Safeco\u2019s homeowners business has recently been above the industry baseline of 1.00 (1.00 = expected), indicating more complaints than expected for its market share. However, Safeco may still be a good choice for those who want homeowners insurance and may also require additional coverage, such as identity recovery, pet health insurance<\/a>, or car insurance<\/a>. <\/p>\n\n\n \n\n\n

\n

Safeco Overview<\/h2>\n
\n
\n
\n In business since:\n <\/div>\n\n 1923<\/span>\n <\/div>\n
\n
\n J.D. Power Score: \n J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n <\/div>\n\n 802\/1000<\/span>\n <\/div>\n
\n
\n AM Best Financial Strength Rating:\n AM Best rates insurance providers creditworthiness. Ratings are based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n <\/div>\n\n A<\/span>\n <\/div>\n
\n
\n States served: \n <\/div>\n\n 50 states<\/span>\n <\/div>\n <\/div>\n<\/section>\n\n\n\n

Safeco has been providing insurance for over 100 years. Despite its long history, the company is not as well known as other insurance providers. Our evaluation concluded that this could have to do with Safeco having a below-average customer satisfaction rating in recent industry studies and higher-than-expected regulator-verified complaints for homeowners insurance.<\/p>\n\n\n\n

The company also falls below industry standards on average customer complaints and half again as many complaints as other home insurance companies<\/a>, according to the National Association of Insurance Commissioners\u2019 (NAIC) Complaint Index<\/a>. Here is a list of pros and cons for Safeco to help you determine if this company provides what you need.<\/p>\n\n\n\n

PROS<\/h4>\n\n\n\n