{"id":324051,"date":"2025-11-10T17:25:48","date_gmt":"2025-11-10T22:25:48","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=249611"},"modified":"2025-11-10T17:25:48","modified_gmt":"2025-11-10T22:25:48","slug":"safeco-review","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/renters\/safeco-review\/","title":{"rendered":"Safeco Renters Insurance Review"},"content":{"rendered":"\n\n\n<p>Safeco is a <a href=\"https:\/\/www.safeco.com\">Liberty Mutual company<\/a> that sells through independent agents. The company offers a range of different insurance types including homeowners, auto, pet, umbrella, and renters insurance.&nbsp;<\/p>\n\n\n\n<p>For those who don\u2019t own their own home and want to ensure they are fully protected, Safeco\u2019s renter&#8217;s insurance is a solid choice. If you bundle multiple policies (for example, auto + renters), many insurers offer multi\u2011policy savings that commonly fall in the 5%\u201315% range, though amounts vary by state and carrier <a href=\"https:\/\/www.iii.org\/article\/how-to-lower-your-homeowners-insurance-costs\">(source)<\/a> <a href=\"https:\/\/content.naic.org\">(NAIC)<\/a>. For renters\u2011specific satisfaction benchmarking, note that Safeco is part of Liberty Mutual Group and is not scored separately in J.D. Power\u2019s Renters Insurance Study; the Liberty Mutual brand\u2019s results in the latest <a href=\"https:\/\/www.jdpower.com\">U.S. Renters Insurance Study<\/a> are the best publicly available proxy. Company\u2011specific complaint experience for Safeco can be checked via the NAIC Consumer Information Source complaint index (Homeowners line, which includes renters\/HO\u20114) at <a href=\"https:\/\/eapps.naic.org\">NAIC CIS<\/a>.<\/p>\n\n\n\n<p>Our Safeco renters insurance review will help you learn more about the company, its policies and coverage.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"overview\" title=\"Safeco Renters Insurance Overview\"><\/span>\n    \n\n\n<section id=\"block_5f8db93aae8e9\" class=\"block b-stats-overview\">\n    <h2 class=\"b-stats-overview-title\">Safeco Renters Insurance Overview<\/h2>\n    <div class=\"b-stats-overview-grid\">\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                In business since:\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">1923<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\"tooltip b-stats-overview-grid-item-title\">\n                J.D. Power Score:\n                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">820\/1000<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\"tooltip b-stats-overview-grid-item-title\">\n                A.M. Best Financial Strength Rating:\n                                    <span class=\"tooltip-content\">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            <span class=\"b-stats-overview-grid-item-value\">A<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                States served (availability):\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">50<\/span>\n        <\/div>\n            <\/div>\n<\/section>\n\n\n\n<p>Overall brand sentiment signals like <a href=\"https:\/\/today.yougov.com\/topics\/finance\/explore\/brand\/Safeco\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">YouGov<\/a> and profiles such as the <a href=\"https:\/\/www.bbb.org\/us\/az\/phoenix\/profile\/insurance-companies\/safeco-insurance-1126-21002763\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Better Business Bureau<\/a> can be directional, but renters\u2011specific satisfaction is best benchmarked via J.D. Power\u2019s latest <a href=\"https:\/\/www.jdpower.com\">U.S. Renters Insurance Study<\/a> (reported at the Liberty Mutual brand level). For Safeco\u2019s company\u2011specific complaints, use the NAIC Complaint Index (Homeowners line, which includes renters\/HO\u20114) via the <a href=\"https:\/\/eapps.naic.org\">NAIC Consumer Information Source<\/a>.<\/p>\n\n\n\n<section id=\"block_5f8db9a1ae8ee\" class=\"block b-pro-cons\">\n            \n<div class=\"b-pro-cons__wrapper\">\n    <h4 class=\"b-pro-cons__title b-pro-cons__title--important\"> PROS<\/h4>\n    <ul class=\"b-pro-cons__list b-pro-cons__list--pros\">\n                                <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">File claims online 24\/7<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Safeco states on its website that you will be able to file claims online at any point in the day.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Up to 15% bundling discounts<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">If you take out multiple policies such as auto, motorcycle, or boat insurance, you can receive up to a 15% discount.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Save money by paying bills in full<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">If you can pay for your insurance annually, you will get a further discount. <\/span>\n                            <\/li>\n                <\/ul>\n<\/div>\n    \n            \n<div class=\"b-pro-cons__wrapper\">\n    <h4 class=\"b-pro-cons__title b-pro-cons__title--important\"> CONS<\/h4>\n    <ul class=\"b-pro-cons__list b-pro-cons__list--cons\">\n                                <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Outdated agent contact information on the website<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">The method for searching for your nearest agent is outdated and not the most user-friendly tool.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Low customer service satisfaction<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Safeco has low customer ratings on BBB, J.D. Power and above-average complaints on NAIC.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">No online policy approval<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">To apply and get approved for a policy you will need to do this over the phone as there\u2019s no online tool for it yet. <\/span>\n                            <\/li>\n                <\/ul>\n<\/div>\n    <\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"highlights\" title=\"Safeco Highlights\"><\/span>\n    \n\n                \n<section id=\"block_5f8dba12ae8f5\" class=\"block b-highlights-tabs\">\n    <h2 class=\"b-highlights-tabs__title\">Safeco Highlights<\/h2>\n    \n    <div class=\"b-highlights-tabs__tabs-list\">\n        <div class=\"b-highlights-tabs__tabs-list-nav\">\n                            <div class='b-highlights-tabs__tabs-list-nav-item active' data-index=\"1\"> Pricing <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"2\"> Coverage <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"3\"> Customer Experience <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"4\"> Deals, discounts, and add-ons <\/div>\n                    <\/div>\n\n        <div class=\"swiper-container\">\n            <div class=\"swiper-wrapper\">\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Pricing\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p><span style=\"font-weight: 400;\">Safeco\u2019s renter&#8217;s insurance pricing will depend on several factors. When getting a quote, you will need to take the value of your personal property, liability coverage, living expenses, home type and location into consideration.&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">While there are some things you won\u2019t be able to change, such as home type and location, you can control the amount you want to pay as a deductible or how much coverage you wish to purchase. Your credit score and income will also be important factors so it\u2019s worth spending some time repairing any damages to your credit score to get a cheaper premium. <\/span><\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Coverage\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p><span style=\"font-weight: 400;\">Safeco renters insurance provides coverage from damage and theft for all of your possessions, even while you\u2019re traveling. You\u2019ll also be covered if someone is injured while they\u2019re at your rental property and you\u2019re deemed liable. Furthermore, if you have to live off-site due to damage from an event like a fire or flood, you\u2019ll receive a stipend for up to <\/span><a href=\"https:\/\/www.safeco.com\/products\/renters-insurance\/coverage\"><span style=\"font-weight: 400;\">24 months<\/span><\/a><span style=\"font-weight: 400;\"> to offset the cost of temporary housing.&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can also choose to add <\/span><a href=\"https:\/\/www.safeco.com\/products\/renters-insurance\/coverage\"><span style=\"font-weight: 400;\">several options to your coverage<\/span><\/a><span style=\"font-weight: 400;\">, including:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><b>Identity theft coverage:<\/b><span style=\"font-weight: 400;\"> For just $1 per month, Safeco helps cover the cost of restoring your identity if it\u2019s stolen.&nbsp;<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Valuable article coverage<\/b><span style=\"font-weight: 400;\">: If you have expensive belongings like jewelry, electronics, or antiques, you can sign up for valuable article coverage through Safeco. You agree to a dollar amount that the items are worth, and you don\u2019t have to pay a deductible if you file a claim.<\/span><\/li>\n<\/ul>\n<p><b>Personal property replacement cost protection<\/b><span style=\"font-weight: 400;\">: With this add-on, you\u2019re covered for the value of a new item to replace your lost item. Regardless of the age of the original object, Safeco covers the cost of a new item that\u2019s similar to the one you lost.<\/span><\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Customer Experience\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p><span style=\"font-weight: 400;\">When looking specifically at <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/best\/\"><span style=\"font-weight: 400;\">renters insurance<\/span><\/a><span style=\"font-weight: 400;\">, Safeco falls low on the totem pole. According to J.D. Power\u2019s <\/span><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2019-us-home-insurance-study\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">most recent home insurance study<\/span><\/a><span style=\"font-weight: 400;\"> of overall customer satisfaction with renters insurance providers, Safeco came in third-to-last place among the 14 companies across the U.S. included in the report. The study focused on interactions between customers and representatives, the policies offered, how much it cost, how billing worked, and the ins and outs of the claims process. Safeco\u2019s renter&#8217;s insurance fell below average for these categories, scoring 820 out of 1,000 points \u2014 24 points below the industry average.&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Also, according to the NAIC, the <\/span><a href=\"https:\/\/www.naic.org\/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&amp;COCODE=24740&amp;:refresh\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">company\u2019s complaint index<\/span><\/a><span style=\"font-weight: 400;\"> is 2.31, which is over twice as high as the number of expected complaints in the market.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Additionally, our research revealed that it can be tricky to find the right local agent to reach out to since some of the contact information on its website is outdated.<\/span><\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Deals, discounts, and add-ons\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p><span style=\"font-weight: 400;\">With Safeco, you can receive a discount for any <\/span><a href=\"https:\/\/www.safeco.com\/products\/renters-insurance\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">safety equipment<\/span><\/a><span style=\"font-weight: 400;\"> included in your rental. If your property comes with things like a sprinkler system, a burglar alarm, or a fire extinguisher, you could get money off your monthly bill. Also, you\u2019ll get a deal when you bundle your Safeco renters insurance with other policies from the company, like for your car or motorcycle. Furthermore, if you pay your bill in full rather than through monthly installments, you\u2019ll save money in the long term.<\/span><\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                            <\/div>\n\n            <div class=\"swiper-navigation-wrapper-refresh\">\n                <div class=\"swiper-button-prev\"><\/div>\n                <div class=\"swiper-pagination\"><\/div>\n                <div class=\"swiper-button-next\"><\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We evaluated Safeco\u2019s renters insurance using current third\u2011party indicators of customer experience and financial strength, and independent analysis of coverage. Specifically, we reference the latest <a href=\"https:\/\/www.jdpower.com\">J.D. Power U.S. Renters Insurance Study<\/a> (Liberty Mutual brand results as a proxy for Safeco), the <a href=\"https:\/\/eapps.naic.org\">NAIC Consumer Complaint Index<\/a> for the Homeowners line (which includes renters\/HO\u20114), and current A.M. Best financial strength ratings.<\/p>\n\n\n\n<ul><li>Customer Ratings \u2013 We use J.D. Power\u2019s renters insurance satisfaction results (1,000\u2011point scale) at the Liberty Mutual brand level as the closest renters\u2011specific proxy for Safeco.<\/li><li>Coverage \u2013 Because needs vary by renter, we assess the breadth of base coverage and available add\u2011ons, noting common endorsements like identity theft protection and scheduled personal property.<\/li><li>Confidence \u2013 We verify the insurer\u2019s ability to pay claims using A.M. Best\u2019s Best\u2019s Financial Strength Rating (and outlook) for the relevant Safeco\/Liberty Mutual underwriting entities.<\/li><li>Customer Experience \u2013 We review regulator\u2011validated complaint performance using the NAIC Complaint Index for the Homeowners line (renters\/HO\u20114 included) and, where helpful, state insurance department complaint studies.<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"competition\" title=\"The Competition\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Competition<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td>Company<\/td><td><strong>Reviews.com Score<\/strong><\/td><td><a href=\"https:\/\/ratings.ambest.com\/\"><strong>AM Best Financial Strength Rating<\/strong><\/a><\/td><td><a href=\"https:\/\/www.jdpower.com\"><strong>J.D. Power Renters Study (latest)<\/strong><\/a><br><br><br><\/td><td><a href=\"https:\/\/eapps.naic.org\"><strong>NAIC Customer Complaint<\/strong><\/a><strong>s<\/strong><\/td><\/tr><tr><td><strong>Safeco Renters Insurance<\/strong><\/td><td>3.5<\/td><td>A<\/td><td>Not scored separately; use Liberty Mutual brand in latest study<\/td><td><a href=\"https:\/\/www.naic.org\/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&amp;COCODE=24740&amp;:refresh\">See current NAIC complaint index<\/a><\/td><\/tr><tr><td><strong>State Farm<\/strong><\/td><td>3.75<\/td><td>A++<\/td><td>See latest J.D. Power Renters Study<\/td><td><a href=\"https:\/\/www.naic.org\/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&amp;COCODE=26816&amp;:refresh\">See current NAIC complaint index<\/a><\/td><\/tr><tr><td><strong>American Family<\/strong><\/td><td>3.75<\/td><td>A<\/td><td>See latest J.D. Power Renters Study<\/td><td><a href=\"https:\/\/www.naic.org\/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&amp;COCODE=10386&amp;:refresh\">See current NAIC complaint index<\/a><\/td><\/tr><tr><td><strong>Allstate<\/strong><\/td><td>4<\/td><td>A+<\/td><td>See latest J.D. Power Renters Study<\/td><td><a href=\"https:\/\/www.naic.org\/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&amp;COCODE=70866&amp;:refresh\">See current NAIC complaint index<\/a><\/td><\/tr><tr><td><strong>Nationwide<\/strong><\/td><td>3.75<\/td><td>A+<\/td><td>See latest J.D. Power Renters Study<\/td><td><a href=\"https:\/\/www.naic.org\/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&amp;COCODE=26093&amp;:refresh\">See current NAIC complaint index<\/a><\/td><\/tr><tr><td><strong>USAA<\/strong><\/td><td>4<\/td><td>A++<\/td><td>See latest J.D. Power Renters Study<\/td><td>See current NAIC complaint index<\/td><\/tr><tr><td><strong>Farmers<\/strong><\/td><td>3.5<\/td><td>A<\/td><td>See latest J.D. Power Renters Study<\/td><td><a href=\"https:\/\/www.naic.org\/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&amp;COCODE=21628&amp;:refresh\">See current NAIC complaint index<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*All information accurate as of 11\/10\/2025<\/em>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Safeco vs. State Farm<\/h2>\n\n\n\n<p>Safeco is a Liberty Mutual company sold through independent agents, while State Farm primarily uses captive agents. For renters\u2011specific satisfaction, J.D. Power reports at the brand level and does not break out Safeco; use Liberty Mutual\u2019s result in the latest <a href=\"https:\/\/www.jdpower.com\">U.S. Renters Insurance Study<\/a> as Safeco\u2019s proxy. By financial strength, State Farm holds an A.M. Best A++ (Superior) rating, compared with Liberty Mutual\/Safeco\u2019s A (Excellent) <a href=\"https:\/\/ratings.ambest.com\/\">(AM Best)<\/a>. Complaint performance should be checked using the NAIC Complaint Index for each company\u2019s Homeowners line (which includes renters) via <a href=\"https:\/\/eapps.naic.org\">NAIC CIS<\/a>.<\/p>\n\n\n\n<p>Both companies offer a wide range of discounts and endorsements. Bundling can meaningfully reduce total premiums in many states, but actual savings vary; it\u2019s worth comparing bundled vs. unbundled quotes alongside telematics and protective\u2011device credits <a href=\"https:\/\/www.iii.org\/article\/how-to-lower-your-homeowners-insurance-costs\">(III)<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Safeco vs. Allstate<\/h2>\n\n\n\n<p>Allstate is a nationally recognized brand with a hybrid distribution model (exclusive agents plus direct\/digital), while Safeco focuses on independent agents. In financial strength, Allstate carries an A.M. Best A+ (Superior) and Liberty Mutual\/Safeco is rated A (Excellent) <a href=\"https:\/\/ratings.ambest.com\/\">(AM Best)<\/a>. For renters\u2011specific satisfaction, consult J.D. Power\u2019s latest brand\u2011level results for each carrier in the <a href=\"https:\/\/www.jdpower.com\">U.S. Renters Insurance Study<\/a>, and use <a href=\"https:\/\/eapps.naic.org\">NAIC CIS<\/a> to review current complaint indices.<\/p>\n\n\n\n<p>Allstate and Safeco both offer customizable coverage and multi\u2011policy discounts. If you\u2019re comparing features, consider identity theft coverage, scheduled personal property, and whether you want an independent agent relationship (Safeco) or an exclusive\u2011agent\/digital mix (Allstate). If you live in a flood\u2011exposed area, remember that standard renters policies exclude flood; renters can purchase contents\u2011only flood insurance through FEMA\u2019s NFIP <a href=\"https:\/\/www.floodsmart.gov\">(FloodSmart.gov)<\/a>.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"bottom-line\" title=\"The Bottom Line\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Bottom Line<\/h2>\n\n\n\n<p>Safeco renters insurance offers broadly competitive coverage options, agent support, and modern digital servicing. Because J.D. Power renters satisfaction is reported at the Liberty Mutual brand level (not Safeco), use Liberty Mutual\u2019s latest study result as a proxy and pair it with Safeco\u2019s NAIC Complaint Index for a fuller view of customer experience. Multi\u2011policy bundles can deliver meaningful savings for many households, but compare totals with and without bundling to find the best overall value.<\/p>\n\n\n\n<p>Your personal property is typically protected at home and in many off\u2011premises situations, subject to policy limits and exclusions. Standard renters insurance excludes flood; if that\u2019s a concern, consider contents\u2011only flood coverage through the NFIP <a href=\"https:\/\/www.floodsmart.gov\">(FEMA FloodSmart)<\/a>. Safeco offers nationwide agent access, online claims, and mobile account management, making it a convenient choice if you prefer working with an independent agent backed by a national carrier.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Safeco Renters Insurance FAQs\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Safeco Renters Insurance FAQs<\/h2>\n\n\n<div id=\"block_5f8dbac3ae8fb\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What other property insurance does Safeco renters insurance offer?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">As well as renters insurance, Safeco also offers homeowners insurance and bundling options for those who wish to combine both auto and home insurance. <\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5f8dbad6ae8fc\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How much renters insurance do I need?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">To work out <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/faq\/\"><span style=\"font-weight: 400;\">how much renters insurance you need<\/span><\/a><span style=\"font-weight: 400;\">, you will need to consider a few different factors. Factors such as the estimated repair of your home, the value of your belongings and whether your home is in a flood-prone area should all be taken into account. <\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5f8dbae3ae8fd\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Where is Safeco home insurance coverage available? <\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Safeco renters insurance operates nationwide in 50 states, so you should be able to find an agent to work with easily enough.&nbsp; <\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5f8dbaf4ae8fe\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How does Safeco underwrite their renters insurance policies?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Safeco does not underwrite all of its own policies. Instead, Safeco may rely on one of its partner <\/span><a href=\"https:\/\/www.safeco.com\/underwriting-companies\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">underwriting companies<\/span><\/a><span style=\"font-weight: 400;\">, which are part of Liberty Mutual Group.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5f8dbb07ae8ff\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What does Safeco renters insurance typically cover? <\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Safeco\u2019s standard coverage will protect your personal belongings both at your home and when you travel. The standard policy also includes liability coverage and living expenses if your home is damaged during flooding or fires. You can add on additional coverage such as identity recovery, valuables protection and personal property replacement. <\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n\n","protected":false},"excerpt":{"rendered":"<p>Safeco is a Liberty Mutual company that sells through independent agents. The company offers a range of different insurance types including homeowners, auto, pet, umbrella, and renters insurance.&nbsp; For those who don\u2019t own their own home and want to ensure they are fully protected, Safeco\u2019s renter&#8217;s insurance is a solid choice. If you bundle multiple [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":348398,"parent":1772,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh-spr.php","meta":[],"categories":[1273],"tags":[],"post_author":[17257],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Safeco Renters Insurance Review | Reviews.com<\/title>\n<meta name=\"description\" content=\"Safeco renters insurance has less-than-stellar customer service reviews, but the deals you get through bundling might make a renters insurance policy worth it.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/renters\/safeco-review\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" 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