Homeowners Insurance
Stay Warm and Dry. We’ll Help You Make Sure Your Home is Properly Covered.
Whether you’re a new home owner, or have lived in your house for years, we know how important your home is to you. Insurance for your home doesn’t just protect your house and property. Homeowners insurance also protects your belongings, yourself and your guests. You’ve put a lot of hard work into providing a home for yourself and your family. Talk to your local Safeco agent for personal advice on the best combination of home insurance coverage, value and price to protect your hard earned investment.Features and Coverage Options
Get the coverage you need to protect your home and belongings with our customizable homeowners insurance options.
Learn more about features and coverage options.
Claims
Rest easy knowing we’ll be there when you need us. If a tree falls through your roof or the hot water heater leaks, you're not alone. We'll take care of you, 24/7.
Learn more about claims.
Discounts and Savings
Discounts are available if your house was built within the last 10 years and if you have a home burglar alarm. Save even more when you insure both your home and your car with us.
Learn more about discounts and savings.
Do More.®
Learn about some simple things you can do to help protect and take care of your home. Allow yourself time to get more out of life. Have a barbecue. Host a pool party. Worry less. We’ve got you covered.
Homeowners Insurance FAQ
Find answers to frequently asked questions about Safeco homeowners insurance.
Learn more about frequently asked questions.
Why Choose Us
Discover all the reasons why Safeco Insurance is the right choice for you and your home. We make home insurance easy.
Learn why you should choose Safeco.
Home Insurance Features and Coverage Options
Are You Protected? Get the Coverage You Need for the Life You Want.
Whether you need a homeowners insurance policy with basic coverage or a fully loaded policy with increased protection, Safeco gives you the flexibility to choose.Talk to your local Safeco agent for personal advice about product availability in your area and how much coverage is right for you. We’ll help you make sure your home is properly protected.
Standard Coverage
Included with Every Policy
Your Safeco homeowners policy includes coverage to help pay for repairs or to rebuild your home and other buildings on your property. This is the core of a home insurance policy.At Home and On the Road
Your Safeco homeowners insurance policy protects your personal property, like your furniture, TV, clothing, books, computer, sporting goods and kitchen gadgets. Your belongings are protected when they’re at home or with you anywhere in the world, from across town to across the equator.Protection for People
Home insurance is also about people. It protects your guests if they’re injured in your home or yard. It protects you in some situations if you’re held legally responsible for damage caused to someone else’s property, like if your self-propelled lawnmower drives off and crashes through the neighbor’s greenhouse. You and your family are protected against bodily injury, property damage claims and litigation.Temporary Housing and Expenses
If you’re unable to live in your home while it’s being repaired or rebuilt after a covered loss, additional living expenses helps pay the cost of temporary housing and living expenses for up to 24 months.Popular Coverage Options
Identity Recovery
For only $1 a month, we’ll help cover the cost of restoring your identity if you’re the victim of identity theft. Identity-recovery coverage provides up to $25,000 for lost wages and expenses related to recovering your identity as well as personal one-on-one assistance. You can reduce your risk by learning how to prevent identity theft.Jewelry, Art and Antiques
If you have valuable keepsakes like fine art, jewelry, antiques and other collectibles, like your grandmother’s Victorian sideboard and crystal stemware set, you may need extra protection. With valuable articles coverage, belongings you specify are protected by an agreed dollar amount, and there is no deductible.If The Refrigerator Is Warm
You had your heart set on an ice-cold soda. But when you reach into the refrigerator, all your beverages are room temperature. For only $2 a month, equipment breakdown coverage will replace a covered appliance with an Energy Star® rated appliance of like kind and quality in the event of an unexpected mechanical or electrical breakdown not caused by normal wear and tear or corrosion. Skip costly home warranties and big-box retailer extended warranties.For What It’s Worth
If you sold your dining room table and chair set in a yard sale, you’d probably get less for it than what it would cost to buy a new set in the furniture store. Safeco personal property replacement cost protection will help pay for the cost to purchase a new dining set that is of similar size and style as the one you lost. Same goes for your TV, clothing, sporting goods, bed and other covered belongings. In the event of a covered loss, we’ll pay the actual cost to replace your things that were damaged, lost or stolen, regardless of their age and condition, up to the limits and deductible you select.Multiple Losses, One Deductible
Combine your home and auto policies as a Safeco Package and become eligible for a single loss deductible. If your car, motorcycle, boat or RV insured with Safeco is damaged in the same event as your home, you may only have to pay one deductible. For example, if a tree falls and damages both your garage and your car, we’ll waive your auto deductible after your home deductible is paid.Ask your local Safeco agent about other coverage options and for personal advice about home insurance coverage that’s right for you.
Home
Get a Quote
Find an Agent
Equipment Breakdown Coverage
Help Is Just a Couple Dollars Away
You know that household appliances and equipment can stop working at any time. That’s why — at just $2 a month — Safeco equipment breakdown coverage is a superior value, with a competitive price and great protection.What Is Equipment Breakdown Coverage?
This unique coverage is a type of home warranty that extends to many of your essential home systems and personal property. It’s homeowners appliance insurance that provides protection in the event of an unexpected mechanical or electrical breakdown not caused by normal wear and tear or corrosion.Multiple Appliances, One Warranty
Equipment breakdown coverage can be used to replace costly and confusing coverage provided by home warranties and big-box retailer extended warranties. It’s an alternative way to protect both your belongings and your budget.Energy Star®
Equipment breakdown coverage will replace a covered appliance with an Energy Star® rated appliance of like kind and quality.Talk to your local Safeco agent about the benefits of equipment breakdown coverage.
Typical Household Items Protected by Equipment Breakdown Coverage
Washers and dryersComputers
Dishwashers
Refrigerators and freezers
Ovens and microwaves
Garbage disposals
Heat pumps
Heating and air conditioning systems
Electrical service panels
Home security systems
Water heaters
Well water pumps
Sump pumps
Surround sound systems
Swimming pool equipment
Televisions
Note:
Equipment breakdown coverage is not currently available in Alaska, Florida, North Carolina or Texas.
Identity Recovery Coverage
Identity theft is a stressful experience. Restoring your identity after it’s been stolen can take a lot of time, money and effort. With Safeco identity-recovery coverage, you can replace your stress and worry with calm knowing you have identity theft protection. Plus, if you ever have to make an identity theft claim, we won’t make things worse by increasing your premium.For just $1 a month identity-recovery coverage offers:
- Personal Assistance
A dedicated case manager will help you work through the recovery process, including helping you contact and deal with authorities, credit bureaus, creditors and businesses. - Lost Wages, Child and Eldercare Assistance
Provides up to $250 per day or a total of up to $5,000 for lost wages, child or eldercare expenses incurred as the result of restoring your identity. - Expense Reimbursement
Provides for up to $25,000 annually for expenses related to identity theft.
Home Insurance Property Claims
You’re Not Alone. We’ll Take Care of You.
Has something unexpected happened to your home, or on your property? We know the experience can be overwhelming. It is your home after all. We understand. We’re here to help. We’ll do our best to help get things back in order as quickly as possible.File a ClaimCall Us. We’re Here for You.800-332-322624 hours a day, 7 days a week | Track a ClaimLog in.Track the status of your claim anytime in your online account. |
1. Be Safe
Make Personal Safety Your First Priority
Always remember:- Stay out of your home if it has been severely damaged.
- If your home has been broken into, contact the police immediately to file a report and fix or replace your locks.
- If there’s been a fire in your home, avoid breathing ashes and soot by covering your nose and mouth with a handkerchief or face mask.
2. Call Us
Be ready to provide the following:- What happened?
- Where is the damaged property?
- How extensive is the damage?
- Are temporary repairs needed?
- If the authorities were contacted, which department responded and what is the report number?
- Your current contact information and the best time to reach you?
We recommend keeping a home inventory in a location other than your home, such as with a relative, in a bank safe-deposit box, or with an online home inventory service like Know Your Stuff.
3. Prevent Further Damage
Safeguard Your Home
This is a team effort. We’ll do our part. But we need you to help out by taking some steps to protect yourself and your property from further damage.- Board up broken windows and doors.
- Cover roof damage with tarps or plywood and remove debris.
- Save all receipts from temporary repairs.
- If possible, place any damaged items in a safe, secure area where they can be inspected later.
- Do not attempt to clean fire or smoke damaged items. Cleaning without the proper equipment can make it worse.
4. Repair Your Home
Get an Estimate. Get it Fixed.
Please wait until a claims adjustor assesses the damage before starting permanent repairs. We encourage you, however, to schedule permanent repairs as soon as possible. Find a local, licensed, bonded and insured contractor with the free Safeco contractor referral service.Temporary Housing While Your Home is Being Repaired or Rebuilt
If you are unable to live in your home while the damage is assessed and your home is being repaired or rebuilt, Safeco will help pay for additional living expenses, for up to 24 months. If repairs take longer than the period of time covered in your policy, you may be eligible for additional assistance from federal emergency programs.Home Improvements - To Upgrade or Not to Upgrade
Safeco will replace damaged items and materials with the same type and quality of materials you had before your home was damaged. For example, if you had a fiberglass roof, we will pay to repair or replace the damaged area with fiberglass, but we won’t pay to replace it with more expensive slate tile. If you decide to upgrade your house with better or more expensive materials, you’re welcome to do so, but you’ll need to pay the additional expense out of your own pocket.Any time you make improvements to your property, be sure to talk to your local Safeco agent to find out if your coverage is still enough, and if you’re eligible for any discounts.
Home Insurance Discounts and Savings
Get Premium Insurance Without a High Premium
Homeowners insurance from Safeco is a real value. Discounts are available if you have a burglar alarm or a fire sprinkler system installed in your home. You may also qualify for a lower rate if you live in close proximity to a fire station.Get a Package Deal
Insure your home and your car together.Save up to 15% when you combine your home and auto policies as a Safeco Package.
Multiple Policy Discount
Save even more with a multiple policy discount when you also add coverage for yourmotorcycle, boat or RV .
Less Than 10 Years Old
Qualify for a newer home discount when your house is less than 10 years old.How to Lower Your Homeowners Insurance Bill
Choose a Higher Deductible
A higher deductible will lower how much you pay for your home insurance premium by shifting part of the loss payment to you. For example, if you have a $500 deductible, you’ll need to pay the first $500 of a loss out of your own pocket. A higher deductible will lower your home insurance bill, but will also increase how much you’ll end up paying yourself if you file a claim.Pay Your Bill in Full
If you pay your bill in full when you start or renew a policy, instead of paying in monthly installments, you’ll end up paying less in the long run. Why Choose Safeco Homeowners Insurance
Great Reasons to Choose Safeco
Coverage, Value and Price
Safeco provides a superior combination of coverage, value and price for you and your home.We Make Home Insurance Easy
Get a homeowners insurance quote in about five minutes. Get a policy that’s right for you in only a few minutes more.Personal Advice
Your local Safeco agent can offer personal advice on the amount of home insurance you need and which coverage options are right for you.24/7 Claims Service
A customer service representative is available to assist you around the clock, every day of the week.Discounts and Savings
Safeco offers numerous discounts and opportunities for you to save on your homeowners insurance bill.Flexible Coverage Options
Safeco gives you the option to choose coverage that’s right for you. Get all the coverage you need, and none of the coverage you don’t.Simple Billing Statements
Our billing statements are easy to read and understand.Flexible Payment Options
Pay your bill in full or in monthly installments.Financial Strength
Safeco Insurance is backed by the financial strength of Liberty Mutual Insurance. We’ll be there if you need us. 
© 2013 Liberty Mutual Insurance
Insurance is offered by Safeco Insurance Company of America and/or its affiliates, 1001 4th Ave, Seattle, WA 98154. 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.
Lewis Insurance
2525 S. Lamar Ste 11
Austin, TX
78704
www.nationwide.com/joshlewis
www.austinhealthbrokers.com
Lewis Insurance
2525 S. Lamar Ste 11
Austin, TX
78704
www.nationwide.com/joshlewis
www.austinhealthbrokers.com
