Safeco Home Insurance Plan

Your home is more than just a house; it’s your sanctuary, and it deserves the right protection. Safeco understands that every home is unique, and that’s why we offer a wide range of home insurance coverage options to cater to your specific needs and budget. Explore these home insurance coverages below, and connect with a local independent agent to discuss the perfect coverage for your beloved home.

Comprehensive Home Insurance Coverage

Safeco believes in offering comprehensive coverage for your home and everything inside it. Here’s a closer look at our coverage options:

1. Personal Property Coverage

Your personal possessions, such as furniture, clothing, appliances, and more, are important to you. In the unfortunate event of a covered loss, Safeco will arrange for the repair or replacement of your damaged or stolen personal items.

2. Personal Liability Coverage

Safeco is your defender if someone makes a claim against you for causing an injury or property damage accidentally. For instance, if someone gets hurt in your yard or you accidentally damage someone else’s property, our personal liability coverage has you covered.

3. Dwelling Coverage

Your home will be protected against losses arising from events such as fire, lightning, the weight of ice, snow, or sleet, windstorms, hail, theft, vandalism, and more.

4. Valuable Articles Coverage

For high-value items like jewelry, art, collectibles, or camera equipment, our Valuable Articles Coverage provides additional protection beyond standard coverage.

5. Equipment Breakdown Coverage

For just $2 a month, our Equipment Breakdown Coverage offers a cost-effective solution to keep essential household equipment running smoothly after mechanical or electrical breakdowns. Such breakdowns are often not covered by a standard homeowners policy.

6. Guaranteed Repair Network

Our program connects you with prequalified experts who can swiftly provide estimates and perform repairs. You can count on quick, seamless service with a guaranteed material and labor warranty backed by Safeco.

Explore additional coverage options at Safeco by connecting with a licensed independent agent near you. They will help you determine the most suitable coverages for your unique home and needs.

Save on Your Home Insurance

Safeco offers various opportunities for you to save on your home insurance:

• Safeco Package: Combine your auto policy and Safeco Homeowners Policy into a Safeco Package to enjoy savings.
• Protective Devices: You can save on your home insurance if you have a burglar alarm or sprinkler system.
• More Opportunities to Save: Owning a newer home, enrolling in an advanced quote, or signing up for an Umbrella insurance package may qualify you for additional savings.

Understanding Your Home Deductible

Your home insurance deductible is the amount you pay out of pocket when you have a claim to repair your home. For instance, if you have a $500 deductible and face $2,000 in repair costs, you’ll pay $500, and Safeco will cover the remaining $1,500.

You have the flexibility to choose your deductible amount, with a higher deductible leading to a lower insurance rate. However, it also means you’ll need to cover a larger portion of the expenses in case of an accident. Connect with an agent today to explore your deductible options.

Safeco is committed to protecting your home and ensuring your peace of mind. Connect with a licensed independent agent today to discuss the right home insurance coverage tailored to your unique needs.

Are You Required to Have Homeowners Insurance?

While homeowners insurance is not technically mandated by law, it is often a requirement set by lenders. This requirement makes sense because both homeowners and lenders have a vested interest in safeguarding the property.

Regardless of your lender’s demands, obtaining homeowners insurance is highly advisable. It ensures that your most significant investment—your home—is adequately covered against potential damage, theft, or liability. Reach out to a local Safeco agent to gain deeper insights into your homeowners insurance options.

Does Home Insurance Cover Damages Caused by an Earthquake or Flood?

Typically, a standard homeowners policy does not encompass damages caused by earthquakes or floods. Coverage for these specific perils usually requires additional insurance or a separate policy.

If you live in an area prone to earthquakes or floods, it’s essential to discuss your insurance needs with your local Safeco agent. They can assist you in securing the right coverage to protect your home adequately.

Flood insurance, for example, is available through the National Flood Insurance Program (NFIP), and your agent can provide you with the necessary guidance.

Understanding the Difference Between Flood and Water Damage

Flood and water damage might have similar outcomes, but their causes differ significantly.

Water damage typically results from sources such as burst pipes, overflowing toilets, dishwasher leaks, roof leaks due to rain, or similar internal issues within the home.

Flood damage, on the other hand, occurs when water inundates your property from external sources, like overwhelmed levees, river or lake overflow, or heavy rainfall leading to groundwater inundation. Even water seeping into your basement after a heavy rainstorm may be considered flood damage.

It’s crucial to distinguish between the two because they may require separate insurance coverages. Safeco can help you navigate these distinctions and ensure you have the right coverage for your unique situation.

Safeco is dedicated to protecting your home and providing you with peace of mind. Connect with a licensed independent agent today to explore the ideal homeowners insurance coverage tailored to your specific needs and circumstances.