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Safeco Insurance Review

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UPDATED: Mar 20, 2020

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When it comes to Safeco Insurance reviews found on the internet, they typically fall into one of the following categories:

  1. User Reviews – Yelp-style sites where customers can leave feedback.
  2. Data Dumps – Lists a bunch of facts, but provides no stance or editorial viewpoint.
  3. Generic Marketing Content – Not reviews, but rather rewritten marketing material.

This review is none of the above.

I have written about Safeco Insurance three times over the last two and a half years, and this is an accumulation of everything I have learned along the way. I truly hope it will help you in your research.

Safeco Insurance Overview

This overview of Safeco is admittedly the boring part. It has good information, but I won’t be upset if you want to skip ahead.

The company’s primary sales force is a network of independent agents and agencies licensed to sell their products. This is significant because it differs from popular companies like Geico, Esurance and Progressive, which are direct-to-consumer companies.

What that means for you: In order to get a Safeco policy you must work through a licensed agent. There is no bypassing the human element by simply getting coverage over the phone or online. This can be important for someone who has a complicated insurance portfolio, but unnecessary for those who know what they are doing or want simple coverage.

It should be noted, however, that Safeco’s website does allow for you to start an online quote, and in many cases actually see a price. But the policy will ultimately be forwarded on to an agent before it can be finalized.

The other major difference is related to price, and why agent-driven insurance companies often cost more. I will go into more depth about this in the Rates and Premiums section below.

Products and Services

Safeco is a full service insurance company, and they sell a lot of stuff. Their bread and butter are auto insurance and home insurance products, but it does not stop there. Here is a breakdown of their primary product offerings, with my comments below the list:

  • Auto Insurance – The coverage options for their car insurance are standard. Comprehensive, collision, roadside assistance… you name it, they got it. This is usually the case for auto insurers unless you are talking about high-risk or non-standard insurance companies, which Safeco is not.
  • Home Insurance – Just like their car insurance coverage, their home insurance portfolio is pretty standard across the board. Homeowners insurance is not just limited to houses either, condo insurance falls under this category.
  • Renters Insurance – Think of this like a watered down home insurance policy that covers your stuff and potential liability that arises on the property you are renting, like a dog bite or kitchen fire. Safeco’s coverage here is normal, nothing out of the ordinary to report.
  • Boat & Watercraft Insurance – The standard coverage package will come with agreed value (boat value is determined ahead of time), personal effects coverage (fishing poles, water skis, etc), and fuel spill/wreckage removal (they will clean it up if the boat sinks).
  • Classic Car Insurance – Like boat insurance, classic car coverage comes with agreed value, so you still get the predetermined amount of coverage, even if the car goes down in value. There are ways to customize your policy and include extras like pet coverage (huh?), you know, in case Fido gets injured while hanging out the passenger window. Other add-ons include Emergency Assistance, or Personal Property Coverage.
  • Motorcycle Insurance – Since many riding enthusiasts like to customize their bikes, coverage can be personalized to fit an individual’s motorcycle.  Safeco designs all of their motorcycle policies to satisfy all mandatory requirements across every state. Additionally, each policy comes standard with $1,000 of gear replacement (Helmet, boots, etc) and a two-year coverage replacement cost for a Harley-Davidson®.
  • RV Insurance – Recreational Vehicle coverage comes standard with 150 days of use and offers the same basic coverage options as regular Auto Insurance. So unless you live in your RV full time or travel across the country during the entire MLB season, their standard policy should cover enough days on the road. Once you’ve decided to put the RV back in storage, you can reduce your coverage thus saving you money.
  • Umbrella Insurance – Umbrella policies act as backups to primary coverage like auto and home insurance, adding an extra level of liability protection once those are exhausted. They also fill in the gap by covering things such as libel and slander lawsuits. Safeco’s website reports umbrella policies are sold in $1 million increments up to $5 million and you qualify for a discount on Homeowners Insurance when you have the Umbrella Insurance, in most states.
  • Safeco RightTrack – For my full analysis, visit the review of Safeco RightTrack program.

Ok, I may have been wrong when I said the overview was the boring part. If you managed to get through that entire list above, hat’s off to you.

Now for my opinion.

Somewhere along the line, insurance went from being a safety net to prevent financial disaster after some sort of accident or loss, to a bloated, oversold, worthless feature-packed product that is marketed as coverage.

Let me go on a slight tangent to explain what I mean – Insurance, at its core, is designed to make you financially whole after some major incident.

Lets say you cause $50,000 worth of damage in a car accident. That is what insurance is for. It is NOT for fixing a $200 dent in your bumper after backing into a light pole.

At some point insurance companies figured out they could sell (or include) all these ridiculous add-on features to insurance policies, and ultimately charge more money for the service.

Safeco is a prime example of this.

Take their Diminishing Deductible that is included in their auto insurance policies. Every year you go without an accident, your deductible goes down by $100 (up to a maximum of $500).

While it may be included in a car insurance policy, it certainly is not free. Insurance companies do not simply add-on features and additional coverage out of the goodness of their hearts. Its baked into the cost of the policy.

Not to mention the human psychology that goes into this. If you did happen to get into a small fender bender, you may think twice about filing a claim because you’re afraid of losing your vanishing deductible. They know this.

Accident Forgiveness is the same thing. If it is included in the policy automatically, you are paying for it.

In my opinion, these are marketing gimmicks that make for good commercials and sales pitches when sitting in an agent’s office.

Ready for a break? Watch my video review of Safeco.

Safeco Rates and Premiums

As mentioned above in the Overview, Safeco operates with an agent-driven sales model, which means customers must work directly with a licensed agent in order to get a policy.

While not always the case, insurance companies that use the agent-only model often cost more than their direct-to-consumer counterparts since they have to pay pretty hefty commissions for each new policy and renewal (anywhere from 5-20% of the total premium amount). On the flip side, direct-to-consumer insurance companies spend a lot on marketing, but make up the difference from bypassing the agent and their commissions. (Some direct insurance companies still sell through agents, though it’s not their primary sales tool)

Another thing that can drive up premium costs are the “add-ons” bundled into the policy, as discussed in the section above. Accident Forgiveness and Diminishing Deductibles simply add to the overall price the customer has to pay.

Quote Test

Whenever I get a quote from Safeco, the results seem to back up everything already mentioned in this section.

Safeco is expensive.

I ran a new quote test while writing this review, and Safeco came in almost 20% above the average for auto insurance (19.45% to be exact). This is nearly identical to the results from the previous two tests.

In Safeco’s defense, they are set up as a mutual insurance company, which means the policyholders are more like shareholders. Safeco can share the company profits by reducing premiums or issuing dividends, but that is not guaranteed. On the other side of the coin, they can increase premiums to cover shortfalls during bad years.

Advertising and Media

For those who reside in and around Seattle, Washington (like me), Safeco is a pretty big name when it comes to sports. The city skyline is flanked to the south by both the baseball field occupied by the Seattle Mariners, and the football field where the Seattle Seahawks play. The baseball stadium is called Safeco Field, and first opened in 1999.

Safeco bought the naming rights to the stadium prior to opening, and owns it until 2019.

During my research about their advertising practices, I did not uncover anything that seemed alarming. For the most part, they try and compete with the humor-based TV ads frequently run by Allstate, State Farm and Farmers.

On a positive note, they do not heavily push the industry standard “Drivers Save $XXX by Switching To Us” mantra. Insurance companies that do this are taking advantage of the fact that most people switch because they save money. That’s why they can pretty much all make that claim. Not because they are generally cheaper.

Safeco Claims

The actual process of filing a claim with Safeco is fairly straightforward but limited in options. While many other insurance companies allow you file online or even through a mobile app, Safeco claims must be filed over the phone. The good news is the claims center is open 24 hours a day, 7 days a week.

  • 800-332-3226 – File a Claim
  • 877-762-3101 – Roadside Assistance

Unfortunately, the good news stops at the claims center being open 24/7.

When researching for this Safeco review, one of the most frequent complaints I came across was their claims process and claims handling. If you take a peek at the dozens of comments left by other people at the bottom of this review, you will see what I mean.

But I don’t want to jump the gun. In the next section we will dive into actual customer feedback left on this website and others.

Customer Feedback

Claims, and rates, and service! Oh my!

When looking at customer complaints and testimonials, I frequently came across the same general issues – Claims, rates and customer service.

But don’t take my word for it. Here are comments left by others at the bottom of this review:

My parent’s have been with Safeco Home Insurance for 35 years and recently made a claim due to a slow leak that damaged their wood floors and created mold in the walls. The claims adjuster was really rude and they’ve been getting nothing but poor customer service. In the end they just received a call stating they are denying the claim…

-Kim Satterfield

We recently were told our company was being switched to Safeco. After receiving letters twice from Safeco stating our rates will not change, we get our policy within 2 weeks and sure enough they have raised them. No reasons given. And the increase was more than 40 dollars although the policy coverage has not changed what so ever. Thankfully we only have about a month and half before renewal. Insurance shopping we will be doing.

-Mrs Campbell

This has been the worst experience ever. I would not recommend this company to my worst enemy. Customer service is horrible. It took 5 months and 3 calls to 2 different supervisors just to get a call back from my adjuster. His manager did a terrible job of enforcing him to do his job. It is now basically June and my minor accident with clear liability happened in Aug of 2013 and it has still not been settled…

-Troy

I too was involved in an accident with a Safeco insured driver. Her fault….but what a nightmare dealing safeco. Adjuster works “part-time”, will not return a phone call, does not reply to email. Standard delay tactics….I have never seen such horrible customer service…

-Mark

The testimonials left on other consumer reporting websites are not any better.

On Pissed Consumer’s website, an individual said they were hit by a Safeco insured driver and the police determined the other party was at fault. But the claims department took a long time to make a determination and ultimately denied the claim.

A person from California wrote about their experience on Ripoff Report’s website after they were hit by a Safeco insured driver as well. According to them, Safeco shorted the initial damage payout by $500, and then when the person refused the payment, Safeco “reassessed” the claim and lowered the entire reimbursement by $1400.

Bottom Line

Safeco is NOT my favorite insurance company. Plain and simple.

I have personally helped many people navigate the murky waters of their claims process, find contact information when it is sparse, and provide an ear when someone simply needs to vent.

I believe they are overpriced in many instances (at least whenever I have received a quote from them) and their “mandatory” policy add-ons help to drive up those prices. I also think there are so many complaints about their claims department that they cannot justify those high costs.

In my opinion, there are too many other good insurance companies out there who provide better service and more competitive pricing.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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Review Information

Summary
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Safeco
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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

192 Comments

  1. Do not use Liberty Mutual’s Safeco insurance company for car insurance.

    I was backed into a parking garage and the other insurance company filed a claim with Safeco and no one even called me.

    Then they accepted on my behalf 20% liability which means I had to pay for 20% of the deductible and to get it fixed.

    The communication was terrible through the process, my analysis left indefinitely and they didn’t reassign my case.

    Then the analyst sent 1 picture (that I sent for reference so she could see it wasn’t my fault) of the damage to the adjuster (after I already had 2 quotes from companies to fix at ~3000) and he used that one picture to estimate damage of 1000.

    Then they would use the quotes and only supplementals with picture of the car torn apart before they would send me more money.

    I wasted my time getting those estimates and had I know she was going to send the 1 picture to their adjuster I would have sent more so they could have seen the entire damage.

    The garage called the adjuster all week an no reply.

    Then he finally called after I spent an hour trying to get through to someone.

    Remember my claims analyst left indefinitely and I was not reassigned so kept getting routed to her voicemail.

    I will be switching companies ASAP after I get all my money from this incident.

    Horrible company with horrible communication practices and customer service.

    Reply
    • There are plenty of other much better companies out there.

      Good luck and sorry for your horrible experience.

      My experience with Safeco is now 5 years ago and they are still using the same tactics.

      Reply
  2. We received a quote for RV insurance April 10, 2019.

    We received a good rate and were happy to go with Safeco.

    There were no hidden points/tickets on either of our driver’s licenses that they were not aware of.

    Over 2 months later we get a letter stating that due to new information our premium was going up almost $800 a year.

    The reason was a 2017 automobile claim on our insurance that paid out $1600 (for damage to a parked car in a parking lot).

    The extra premium is retroactive to April 10, 2019.

    Where usually tickets and such would come off your record after 3 years, we expected that in 2020 our premium would go down

    but Safeco uses the date they got the report, not the date of the incident to start the countdown.

    So we will be paying a higher rate for the next 3 years. That is the part that angers us the most.

    An additional $800/yr for a $1600 claim seems excessive to us and had we known all of this in advance we would have shopped elsewhere.

    Reply
  3. Description of Complaint:
    I was introduced to Safeco through a refinance of my home. They had very reasonable prices ( to begin with ) and gave discounts for multiple properties. I was eventually enticed into insuring my automobile’s, and to begin with, they were reasonably priced. I had them as an insurer for many years and never had a claim. As the rates crept up, I started shopping other insurer’s to see how competitive they were. They had priced themselves out of the market, and I started the processes of switching my coverage to a competitor. The local company that Safeco uses is High Mark Insurance, who handled the day-to-day policy questions and collected the premiums. High Mark reached out to my wife because we had not renewed. My wife informed them that we had decided to go with another insurer and let the policy lapse. We continued to receive the billing in December to renew our policy from High Mark ( Safeco ), which we had already informed we were not going to renew. My wife called High Mark to ask about the final notice, which clearly stated that the policy lapsed on December 1st at 12:00 am standard time, and was informed that Safeco decided to extend insurance for another month and that we now owe $154.36. I called High Mark to clarify and was told that they can force place insurance ( we own the cars, so there isn’t any lender that would require this ) and that Safeco never loses these type of cases, so don’t bother to dispute it or involve an attorney. I have now received a collection letter from Credit Collection 2/21/2019 and received a collection call this morning. I am flabbergasted as to how an insurance company can force-place insurance, and then send it to a collection agency, even though the policy had lapsed the month before. I feel like this is extortion, and they can damage my credit if I don’t pay up.

    Reply
    • I don’t blame you for being upset. If this happened to me I would contact the High Mark agency and inform them they have damaged your credit rating and I intend to ask the state insurance regulating body to investigate their billing practices and see if this is not something originating from this agency. All producers have to be licensed by the State they operate in and all states have some type of review of complaints and audit. If I happened to have an insurance agency, I’m not so sure $154.36 would be worth having my business audited and my license reviewed.

      Reply
  4. I’ve been Safeco-insured for years, with 50 years of safe driving . My driving record got me getter rates years ago. I always thought if I was ever in a bad accident, they’d be there for me. Well, that happened. After I made a safe left turn on a yellow blinker, and was on the other street, a driver came around the corner, hit my car with a huge impact, shattered my taillight, knocked off my bumper, then slid between my car and the curb to grind against my passenger door with the roll bar. My foot was on the brake, so neither car moved much. His just kept grinding into the door and damaged it so much that my car couldn’t be fixed. Then 3 months later, I got an email saying I was assigned 100 % liability on a determination judging me guilty of violating two statutes. This was based solely on the word of a biased witness who said he was on the other driver’s side. Since I hadn’t done anything wrong, I couldn’t have known to protect myself. I couldn’t get an impact photo since the other driver left before I could get out of the car. Safeco didn’t even get the video-cam feeds that would have shown there was no accident in the intersection, as the witness claims. They believe only him, and he has lied about every aspect of this accident, including the location. Neither he nor the other driver was anywhere near when I turned, but they have gotten away with this, and the other driver had been paid as the victim when he hit me on a street where he didn’t belong. I am furious at these lying Safeco scammers who have treated me so miserably. Of course, they wanted to believe this “witness” since it was much cheaper for them to pay the other driver and skip pursuing a settlement from his company.

    Reply
    • And wait to you see what they do to your rates. My wife was rear-ended in 2016. Other party ticketed and admitted fault. All listed on the police report. Last 2 years rates have increased by 30%. They’ll be gone next renewal.

      Reply
      • Thanks for that, and thanks for all other replies to my first post. Unfortunately, none of those comments were surprising. Mine was a rear-end as well, which would be odd if it occurred in an intersection as the witness claims He also claims I drove my car from there into the street I’d turned onto — I did, but BEFORE I was hit. If I had done that afterward, my bumper dragging on the road about 60 feet would have incurred tons of scrapes, but there are only the few that occurred in the real accident. That is all there are in the photo taken at the body shop, so proof my car wasn’t moved after impact.

        I recently learned some new things. The other driver had a history of speeding and was convicted in a court of exceeding the limit less than a year before the accident. He is also wealthy, so could have afforded to pay a large sum to the witness. This adjuster failed to investigate or obtain evidence that was available. So she claimed I was liable for this rear-end accident, and judged me guilty of failure to maintain outlook and failure to yield right of way — with no proof. Those were based solely on a witness who lied. Neither he nor the other driver was anywhere near when I turned. I am the one who called 911 to send an officer. I didn’t have to do that as no one was injured. if I’d committed violations, would I really do that?

        The officer did not cite me, but those “violations” are on my DMV record due to the adjuster’s lies. She libeled me. She falsified public records. I believe she defrauded me as well, because I deserved a settlement from the other driver’s company, just like the last rear-ender in 2010. She seemed completely unaware of all the websites about unreliable witnesses, and scientists’ proof of convictions based on witness testimony. She claimed the witness was “independent,” but he didn’t qualify. The manager said, in any case, there was a witness, she would automatically side with whoever has the witness. Most innocent victims don’t have proof, and why would they? The witness was with the other driver the whole time after impact and spoke for him. Yet the adjuster claimed they didn’t know each other after that. How could that be? They’d been together, first chatting privately for 10 – 15 minutes down the block, then stayed together after coming back to the impact scene. The witness told me he was on the other driver’s side, not mine. That driver seemed unable to speak. I was injured after the accident due to the adjuster’s belief that the witness was infallible.

        Three days after the accident, I called for a tow, but the adjuster refused. She cited no reason. That meant I would need to remove the bumper the officer had helped me put into my car, and reposition it so it wouldn’t impair my rear view. I believe she’d already heard the witness’s biased version and decided I was guilty, so was punishing me. Because she refused the tow. I had to remove the bumper from my car and reposition it so it wouldn’t impair my rear view. The officer had helped me put it in the car. That bumper was heavy, and my efforts injured my shoulder. I thought it would go away, but now both shoulders and arms are sore. I just recently talked to an attorney who said I should file a claim against Safeco for treatment to this injury. Has anyone filed claims or complaints against Safeco? BTW, I just read a bunch of other complaints here. Alene is right: these people are uneducated. Here’s a sample of this adjuster’s writing:
        “Neither the original representative that you spoke with you (who does not handle the investigation into the claim) nor your calculations (which place the speed of the other driver at 95mph) are supported by evidence outside of what would be considered speculative by the court system.”

        That bunch of words doesn’t even qualify as a sentence. Even the errors have errors. I believe it reflects the critical thinking skills of this adjuster. BTW my calculation was not about the other driver at all, but about the speed needed by any driver to get from point A to point B, within 10 seconds. These people continually misquoted me in this manner. I’m going to complain to the state insurance commission. Maybe we should all file a class-action suit against Safeco. There seem to be quite a few of us, but how would we get in touch? I’m going to look for another company.

        Here is my biggest question: why is an insurance adjuster allowed to make judgments of guilt against drivers, without any proof whatsoever, so that these things go on a someone’s public record? Why is the word of someone like that taken as fact, when there is no proof? The officer who came knew a lot more since he was at the site immediately afterward, whereas these Safeco people never even saw the accident scene or obtained the videos.

        Reply
    • TRASHY COMPANY. FIRE THEM. FILE A GROUP LAWSUIT NOW. YOU HAVE MANY UPSET CUSTOMERS. WE ALL AGREE. THEY ARE TRASH.

      Reply
      • Just filed my complaint with Texas Department of Insurance today. I called them 11/06/2018 to file a vandalism claim. They sent an adjuster out and apparently didn’t like the amount of the repair. So they changed my claim rep and said they made an error in handling and they were going to send a forensics specialist to look at my truck. It took nearly a month before he got there. It took another couple of weeks before they denied the claim. They took every means to deny my claim, over a month later, and my truck was not touched in that timeframe. They denied my claim 12/10/2018 and didn’t tell me until the next day, but they already stopped the rental car the day before as well. So Enterprise calls my wife and tells her that it was stopped on the 10th and that it’s our responsibility to pay for the rental. They omitted a fuel sample even though pictures that THEY took show contaminated fuel. My wife checked our Safeco acct. website, and they are charging us back for something, I have no idea what, but the bill is $400.00 higher for next month. I have taken the liberty to have my own fuel analysis done because I know this is going to get dirty. Luckily I have the dealership to back up my claim as well as an attorney on standby to fight it in court. I would highly recommend anybody other than Safeco. A very crooked company, no morals nor ethics.

        Reply
  5. Safeco claims department is a joke. My husband nicked another car who had prior damage back in April 2018, we never heard a word from Safeco until they got a demand letter from Progressive and they paid the other person without looking at their auto. My husband’s car did not even have any paint knocked off his car and they said he had $578.00 worth of damage. When I called them they said it was already paid and nothing I could do. I would hate to see what would happen if we had a terrible claim with injuries and property damage.
    DO NOT INSURE WITH SAFECO.

    Reply
    • I was hit by one of their insured on Fri. Oct 5, 2018. She told the police the truth and the report states exactly what happened yet the adjuster [Redacted] believes what she said, she lied twice. First, she said that I rear-ended, I emailed pics of my car, then she said that I followed too close and they’re only paying 40%. I said unacceptable. Now I filed a complaint with Ky Dept of Insurance thru the attorney generals office and going to get her in small claims court. Sad that people lie and an insurance adjuster can get away like that. I have to pay $2500.00 that I do not have!!!!!!!

      Any help would be greatly appreciated.

      Reply
  6. My parents were with Safeco for 10+yrs and never made a claim. I had no choice but to put a claim in for my mom’s basement which flooded. It was because of the sump pump and I guess it was covered. They pretty much said nothing we can do sorry. I asked what about the vacuum or fans we bought. They replied nope sorry nothing is covered you’re on your own. This is very poor customer service. This insurance company is a scam! You pay so much money year after year and then you need a little help and they pretty much tell you to go pound sand. Unacceptable in my eyes.

    Reply
  7. Buyer be ware,
    This insurance company is worthless and crooks, they will increase your rates on you without notifying you and when comes for them to return your calls, they do not. So if it was up to me I will rate the -0 and for the person that recommend it to us, they were not being honest.

    Reply
    • My son was driving my SUV, and a young driver failed to yield to oncoming traffic and made a left turn in front of my SUV. It was his fault, his Safeco insurance didn’t pay for towing, for vehicle damages, for car rental, $ 7000 damages, it’s been about 6 weeks, and they don’t want to answer the phone, and tell me anything regarding my claim. I wouldn’t recommend Safeco to anyone.

      Reply
      • The best way is to let your insurance company handle it. You may need to pay your deductible but you can seek it back later — small claims court if Safeco acts up.

        Safeco will fight you on everything, insist you use sub-standard repair facilities, and hold back your check so that you agree with their unreasonable and sometimes illegal demands. They won’t release funds unless you sign a waiver. To avoid it all, go through your own company and take Safeco to small claims court for the deductible.

        I had a similar experience and it took me months of misery with Safeco until I insisted my insurer handle it. I was rear-ended at a stop sign by a Safeco driver who didn’t even brake yet Safeco fought me on everything. My insurance company settled with me in a couple weeks yet they battled Safeco for the better part of a year. I refused to sign Safeco’s waiver since I had floating bone chips in my neck and they offered me far less than my expenses. I got a very satisfactory judgment for the amount not covered by my policy at the Small Claims court. Safeco’s customer (the other driver) had to appear and testified that Safeco acted irresponsibly.

        Reply
  8. Do not do business with Safeco!! We were moving and decided to rent our house. We called Safeco to switch to a landlord’s policy. Well, a week before our tenants were moving into the home (and while we are still covered under our homeowners’ policy) an inspector who came to inspect the home for Safeco made a report that we were lying and said we were living in the home. On the effective date of our landlord’s policy, Safeco canceled and we did not get notice until 2 weeks later because our addresses changed. When asked, they gave a reason that did not make sense.

    They eventually admitted they were wrong to cancel especially since they canceled without allowing 30 days to find another company and so they reinstated the policy. Then, when they reinstated the policy they told us we were required by law to switch our auto policies to them or else they would cancel the policy. Then, when I researched their claim about auto policies, they admitted they were wrong. Then, they said we needed to clean our roof or else they will cancel. After realizing things were not right with the reasons they gave, I got a supervisor to look into our situation. The supervisor discovered the inspector lied on his report and said we were staying in the property during the tenant period, which was untrue and this is the reason Safeco really canceled and why they gave different reasons and added other requirements such as switching auto policies. Again, it did not make sense.

    The supervisor flagged the inspector and did a re-background since it was discovered the inspector lied to Safeco. So, after learning this, I knew that Safeco was not doing its job at all with not only screening people but following the law. I found another company, who took the time to do the proper due diligence, inspect and verify and I got insured with them and I actually got additional coverage for a reasonable rate.

    I canceled Safeco after not trusting Safeco. Months later, I get a letter stating I owe Safeco, even though my mortgage company paid it. Safeco says they never received it, but I had proof it was paid. They changed the start dates of the landlord policy to make it seem as if I was covered longer even though they initially canceled the policy then reinstated it 2 weeks later.

    I got rude people on the phone. Someone telling me I do not know them and one person stating that I was ‘beating a dead horse’ and they could not do anything and that I just needed to pay. Well, Safeco not only has lied and violated the law, but they took the money and want me to pay additional money.

    Stay away. After this ordeal, I told an insurance friend and they said that Safeco violated at least 2 laws: the 30-day notification when canceling insurance and stating that I was required by law to switch my auto policy with them. This is also why Safeco since a second letter pre-dated but envelope post-dated saying I had 30 days to find another landlord insurance company and they would be canceling my landlord insurance. The first letter I received was automatically canceling my landlord policy on the same effective date of the landlord policy start date. I went to a lawyer and got advice if anyone else has had similar experiences with lies from Safeco there is the potential to sue Safeco. States do not play with insurance companies and the federal government does not too. If you promise something you need to deliver. Safeco did not deliver. Instead, they lied, lied, and stole my money. They said I owed them but it was paid, so where is the money. The rep on the phone said if it was sent by the mortgage company, they never received it. So, where is it, Safeco?

    So, what did I do, well, I paid the money to get them to stop harassing me. I felt abused and stressed. Boycott Safeco!

    Reply
  9. I have not been pleased with the claims process after recently having hail damage to my metal denied. Safeco is saying there is a cosmetic damage endorsement stating they do not cover cosmetic damage to metal roofs. When I first signed up with Safeco, there was no cosmetic damage endorsement. It looks like it was added to a renewal notice. My insurance premiums have continued to increase year over year even though they clearly reduced my coverage.
    After hiring a public adjuster who pushed Safeco to an appraisal, the two appraisers agreed that the damage is more than cosmetic and I was awarded the appraisal award. Safeco is still refusing to pay by citing an engineer’s report (hired by Safeco) saying the damage is cosmetic.
    I am in the process of hiring an attorney.

    Reply
    • Need a class action suit against them. Talk to your attorney and get one started, otherwise, all we do is let out our frustration here, and nothing happens. They need to hurt in their “pocketbook” before they change. I will be with you and all the other bad reviews listed here I am sure.

      Keep us posted.

      Reply
  10. I am on SSI and every penny counts. I have been a Progressive customer for 12 years. My agent called me this morning trying to get me to go with Safeco because it’s $30.00 less monthly. After reading all reviews NO THANK YOU. Cheaper is not always better. I’m proud to say That Progressive has always been nice on phone and in person, and has always been prompt in claims. Thanks to all of you. I will stay where I am.

    Reply
  11. We have been with Safeco for a few years and have been happy with coverage and claims. However, their Roadside Assistance leaves huge room for improvement. Their 90 minute service time has been a joke. Not only did they not know where I was, there was no response for a tow for 6 hours. Multiple calls were required for them to get it right. Seriously disappointed with their R.A. Your mileage with it might vary but their call center needs to be cleaned out and started over.

    Reply
    • Bunch of un-educated people working for them.
      I was hit in a parking lot by their client, they fought me all the way. I was in therapy for two years as a result of it and my Insurance co had to fight to get them to pay bills. I put in a demand letter into their office in the 2-year time frame to make a claim (Az is 2 yrs.) and they ignored it until the time ran out. Then called me and said it was too late. No one would discuss it with me. Every time I called, got a new agent assigned to the case. Thieves are what they are—-steal our money with legal help. I want to do a class action suit against them—-who is with me. It is the only way to make them pay. They need to wake up, and this will do it, can hurt them in the pocketbook, is the only way. My e-mail is [redacted] if anyone is willing to do it.

      Reply
  12. Our home near Houston was damaged during Harvey and it’s been 4 months now. Horrible communication. We been through 5 different Safeco reps and still no compensation, and few returned emails or retuned calls. Finally, heard from them today that they want to pay penny’s on the dollar.
    Save yourself the hassle and use any other insurance company. Worst experience ever!!!
    0 out of 5 Stars

    Reply
  13. To sum this up I pay this “company” roughly $2000 a year for auto and homeowners. I have had them for 2 years after having Allstate for over 30. I left Allstate after a quarel over rates. The thing is when I had Allstate the few times I needed them, they had my back. I have had a perfectly clean driving record for 11 years and I was rear ended by a ride share driver while they had fares in their car. The moral is: Safeco has done NOTHING to help me settle this simple body damage claim. My experience is with a very young girl fresh out of college that is my adjuster. She works for Safeco and does nothing but talk and talk. She even managed to get all of the information wrong when it came to this accident and I had to procure all of the reports. I have gone far beyong what a reasonable person would do to make this as easy as possible for Safeco. When you have an “insurance company” where you do all the work, they pass you off to the ride shares company insurance and even though they have have a better adjuster then Safecos and yet are notoriously bad at paying claims, why spend the money on this charade of a company? It’s companies like this that make everybody rates go up because thats the reason people hire morally questionable attorneys. That is the only way you are going to get payment. I have a $1500 simple body damage claim and Safeco won’t pay it. Imagine if someone in my car was hurt in a real acident, like say with big truck? If Safeco wont handle a small body damage claim where I’m clearly not at fault, imagine if it was a big claim and say I was at fault?

    After I get my car fixed, Safeco is gone, my independent agent is gone, I will file a complaint with my States Department of Insurance and I will probably go with State Farm, Farmers or Allstate again. Don’t think for a minute that saving some pennies is worth it, go with a name that you can trust. As a footnote the rates when I got insurance with Safeco two years ago were low. When my first renewel came the rates jumped 24% and then this renewel they went up 9%. Thats with zero claims, accidents or tickets. Run from this “company”, they are a subsidiary of Liberty Mutual. As their commercial says, “Maybe I picked the wrong insurance company”. They got that right. You may think you have the best insurance company in the world until you need them. Then you find out that you are paying $1100 for insurance cards and nothing else. $900 for homeowners and heaven help you if need them for that.

    I CANNOT even begin explain how BAD this company is, don’t even think about getting insurance with them. Me: “I was rear ended by somebody but nobody was hurt” Safeco adjuster: “OMG thats horrible, do you have their insurance info”? Me: “Yes”. Safeco: “OK, file a claim against their insurance”. What? What am I paying you for and why? Thats the claims process through them.- A 24 year old girl reading from a script. Pretty Ridiculous but 100% true. Pay the extra money in premiums so you have peace of mind and not undue stress. You will have to do the all of the work when Safeco should be and in subrogation with the other insurance company. You pay for insurance to let them deal with stuff like this and “insurance” with Safeco doesn’t work that way. Even their preferred bodyshop is in shock at how this has been handled. Look at some of Safecos reviews and complaints on the internet and make your own decision. I bet you come to the same conclusion. Eight reviews on here and they managed to eek out a whopping 1.6 stars with their one 5 star review claiming your agent is at fault. Isn’t your agent an extension of this company? The person you call first when you have to make a claim? My agent is getting fired for even recommending this horible company.

    I AM IN SHOCK THAT A CLASS ACTION LAWSUIT HAS NOT BEEN FILED AND WON AGAINST SAFECO “INSURANCE” !

    I also think that Eric Stauffer’s 2 star review is 2 stars high. Zero stars for this company only because I hate dealing with negative numbers. Sorry Eric.

    Reply
    • Safeco is a bad company. I recommend don’t do business they are not professional at all. My rating for them is a 0.

      Reply
  14. I had safeco and after we had a hail storm they tried to low ball everything and I mean everything . So I cancelled my policy after everything was fixed . For example, they had window damage but when my estimate was thousands of dollars higher .They sent me a new copy 3 days later with that page removed thinking that would take care of that claim if they removed it ………stupid people working at that place running clients off.

    Reply
  15. My wife and I were involved in a HIT and RUN accident several months ago in Melbourne Florida, when we were hit from the rear.The truck took off, and I followed him to his home and called 911 and the police.

    When the police came, I told the police what had happened. They they went inside the home and talked to the other person who was driving the truck, The officer told me the other driver said ” he thought he had slightly tapped me and that was the reason why he had left the scene of the accident. I told the officer it doesn’t matter it was a hit and run and the officer agreed.

    He went back to the house of the person who hit and ran, and then we exchanged insurance information, before the officer left and drove off. The police officer said the other guy could have said he didn’t do it, but he didn’t say this. However, when the report came back, the officer had written it up in the other persons favor, saying he had no idea he had hit me and that he was cooperative. I called my SAFECO and reported it to them.

    Me and my wife had to see a chiropractic several times. However, when safeco received the police report I guess the other person insurance company said he didn’t do it, SAFECO went haywire. Can you believe Safeco took me and my wife through almost two hours of interrogation each? They tried to convince me and my wife that the accident never happened and it was all in our head, because they thought fraud was involved.

    They showed me some pictures from five or six years ago and expected me to remember all the scratches and dents that were there from five years ago on my car . I told him i guess if you have pictures from five years ago, I guess they were there, then he showed me a picture from a tail light that was cracked from five years ago, I told him I changed that tail light, then he asked me if I still had the receipt, I told him no because I bought it on Ebay,and then he told me it would be good if I found the receipt . I told him it was not my fault that the old picture with the tail light looked similar to the one of the accident. Then he showed me some measurements from the truck and some writing on the truck, I told him I was chasing the truck and my mind was on following the truck.

    Then he told me to take a long look at the picture because we have a lot of bills coming back to us ( sounds like a threat to me). To make this short, this interrogator made this decision based on his feelings that the accident did not happen, but it did. He also told me that my wife and I had to sign our interrogation papers before a decision was made. He lied because he made a decision on our case before the paperwork was completed and signed. We had no chance to review our statements for corrections like he had promised nor did we sign our paperwork for conformation.

    We had coverage on this car, and all we wanted to do was to report a HIT and Run.

    Now SAFECO is returning all our medical bills, we really should not be paying.Worst Insurance company ever.

    Review about: Safeco Insurance Auto Claim.

    Reason of review: Poor customer service.

    Monetary Loss: $1500.

    Preferred solution: Let the company propose a solution.

    Reply
  16. I had been insured with Allstate for over 30 years. Sure they nickel and dimed me and I had some claims but nothing really too major. Two years ago I bought a new car and the dealership actually had a office for Allstate on premises. I got a quote on what the new car would cost, liked it and bought the car. Long story short when the premium came it was $200 higher then what I was quoted.

    My agent was retiring and the new agent I was assigned had no clue as to why my premium was $200 higher ($400 a year) so I went to a independent insurance broker that was highly recommended. He recommended Safeco. Their rates blew Allstates out of the water. They were literally almost half of what I was being charged for auto and homeowners. I found Safeco to be a bit weird with their billing as the auto was for a full year and I was used to paying every six months. The homeowners was always for a year.

    Here’s the part where it goes you get what you pay for. Upon renewal Safeco sent me a bill for 24% higher on the automotive and 13% higher on the homeowners. I was not amused and called my agent. He gave me some excuses but did get the rates down. It ended up being around 9% higher. This was without any claims made against either policy. Allstate had NEVER raised my rates more then 6% in a year.

    To make this short my bill came last week for my 3rd year of coverage. The first year being the teaser rate, the second year the shocking lets play this customer and see how high we can go before they complain and now a 12% raise on the automotive and 10% on the homeowners. I will be shopping for a different company, I have talked with the neighbors about who they have because literally I was going to buy a 2 year old CPO SUV but was leery of Safeco. I called my agent, he gave me a quote that seemed way too low for a two year old SUV plus a two year old car and I was thinking “If I can lock that in for a year” but my insurance will be coming due in 4 months. (This was two months ago)

    Plus after reading how they treat claims and customers that really was the kicker. In 30 years I think I had 3 or 4 claims. ONCE I had an issue and it was because my Allstate agent put in the wrong date, there was no police report with that date on it and the adjuster was lazy about the whole thing. Once I got Allstate a copy of the accident report all was taken care of with a phone call.

    Before you think I’m a shill for Allstate after their bumbling incompetence as to why my auto would go up $400 and never getting an answer I will never have them again. If you say it’s going to be $1000 a year and it ends up $1400 I want an answer. No answer, well you have to go. The thing is I always felt like they had my back. I mean sure they probably made 50k off me over 30 years because the nickel and diming adds up to dollars but when someone waves a price in front of you that’s half, well lets just say I never thought Safeco wouldn’t pay claims. In todays society that can put you in a very actionable position if you are at fault and they don’t pay the other party in a timely fashion. I mean that’s why I pay for insurance, not only to cover my possible losses but just in case I’m at fault.

    “Maybe I picked the wrong insurance company”
    Truer words were never spoken

    Reply
  17. Apparently, my dishwasher had a slow leak and as soon as I noticed the weakening of my kitchen floor I immediately called for repairs and Safeco. Safeco claims that the leak was happening over a period of time and because the installation of my crawlspace was wet and rotting they have denied my claim. I advised them that I was unaware of the leak and notified them as soon as I found the problem. I don’t live under my crawlspace or behind the walls and had no idea that there was an issue. Also, the installation is old and has been there since I purchased the house. They are telling me that there is nothing they can do about it.

    Reply
  18. A women with Safeco insurance hit our new car’s door at driver side when she pulled out the parking lot. Safeco decided that we need pay 25% too because we did not see her. We could not accept this ridiculous excuse, but we could not reach that agent again. His phone directly went to voice message, although it says he works 8-5 Monday to Friday.

    According to website, “The company cannot withhold payment on a claim against one part of your policy in order to force an issue on a claim against another part of your policy. For example, your insurer cannot withhold payment on a claim against the collision portion of your auto policy to force you to settle on the liability portion.”

    The regulatory authorities should regulate such insurance company which brings so much dismay and depression to the society!

    Reply
    • My personal goal is to remove SafeCo and Liberty Mutual from any business I’m involved with. They are criminal in their treatment of claims and are not to be trusted. I can proudly report that I have personally made sure that $500,000 in insurance premiums have been taken away from Safeco/Liberty Mutual through my personal efforts – and I will not stop. Why do business with an insurance company that won’t pay valid claims except under court order?

      Every independent insurance agent that offers to sell me a Liberty Mutual or SafeCo policy gets an earful from me. After they played their cruel games with me on reimbursement resulting from a SafeCo driver who rear ended me at a stop sign, I took them to court and won what I asked for.

      The sad state of insurance regulators in California is that they are there to protect the companies from fraudulent claims by consumers. They offer no protection for consumers against fraudulent and criminal practices of the insurance companies. The only way to stop them is through economics — make it a point to be sure everyone knows about SafeCo/Liberty Mutual’s practices— and boycott them.

      Reply
      • With over 40 years experience in the operation of a collision repair business, I can say without reservation that Safeco is one of the best at misrepresenting coverage, slow claim service, mandating inferior parts that compromise safety, devalue the owners vehicle and grossly deficient payments. My recommendation would be for anyone exposed to the practices of this company to contact their state insurance department and demand a Market Conduct Exam. Of course most request will be ignored but at some point one will be triggered, and if nothing else you can take satisfaction that someone in the company will take the fall and be replaced by another minion.

        Reply
      • AMEN! SAFECO SUCKS!

        Reply
      • Safeco is doing similar things to me where they are paying a fraction of the amount of the accident done by Safeco driver. They are driving me through a [redacted]. I have signed a release form but am now regretting it. I need advice on how to bring them to their knees. I still have 20 days left for two years of time.

        Reply
    • You are right about this fraudulent business. I think we should get together for representation on a class action suite against them.

      Reply
  19. Terrible company. This is pretty much the broke mans Liberty Mutual. Honestly i cannot see a reason why you would want to buy a policy from them unless you are just looking for cheap liability insurance. If you want comprehensive full coverage then do yourself a favor and take your business somewhere else. The customer service is terrible, the claims process is a nightmare, and they will take every opportunity to jam you with a late fee every chance they get. I have my policies set up for annual payment and renewals but for some reason they want the renewal premium a month before the renewal. If you pay it a few days before the renewal date (like i do) Boom you get stuck with a late fee. When you ask to reverse it they treat you like your human scum and refuse.

    Reply
    • I lost eight cars in ERIE/COLORADO Fire that Safeco insurance gladly took the money from me FOURTEEN YEARS and yet after the fire refused to cover cars 350.000 $ worth of cars.. How is it the federal government allow them to continue operation;

      Reply
  20. Safeco Insurance is not one I would recommend to any one. The lowest bidder is not the most professional. A driver who failed to stop at a four way stop intersection generated six months of a head ache for me and four months of injuries. Her insurance is through Safeco. Communication is terrible. Phones go straight to voicemail. They peer pressure you into doing unethical decisions. Leave you hanging for months without an answer. She caused $6,000 damage to my vehicle. I was in a rental for eight weeks. Received severe musculoskeletal injuries that took nine weeks to heal. Putting me out of work for six. Requested a reasonable demand letter to cover the lost money. If they do not honor it or do ethical decisions I will sue for large amounts of money!

    DO NOT RECCOMMEND!

    Reply
  21. Although well deserved, I won’t add much to the criticism except to say that Safeco is an awful insurance company.

    Best,

    A victim of your policyholder who was unfortunate enough to have to deal with your company.

    Reply
  22. Safeco is just pathetic. Fighting over claim since April.The last time I heard from them was in September. I have had to make all contacts with them. They’ve never contacted me. Have now filed a complaint against them and the adjuster with the Texas Department of Insurance. They
    have accepted and are now seeking a response from Safeco. Sorry company. Avoid at all costs. Will seek a reputable company before renewal.

    Reply
  23. I don’t know how they are in business? I know all insurance companies are like this and want to deny everything. I had my car get hit and the guy had Safeco insurance. After claiming my accident, and making me wait for a week, today they called me and told me that their first appointment is in 9 days! That leaves me with no car and transportation for more than 2 weeks! After asking for a rental, they told me that i can pay out of my own pocket if i need one before their appointment. Seriously suck!

    Reply
  24. This “company” is one of the most illegitimate, untrustworthy, and lying businesses that I have ever had the disservice of dealing with in my life. From the beginning, I asked them whether there would be any unforetold or unexpected policy rate increases and they blatantly lied and told me, no, saying how they would not raise my policy rate at all and that I would be paying the same amount each month. Only 2 months later and the rate increases, which I had no say over or was even notified by started. The 1st time they did this my bill went from $70 to $100, then the 2nd time from $103 to $142 and then a 3rd time from $140 to $167. Bear in mind I did not get into any car accidents while I had the auto insurance, no violations, NOTHING. I have a clean record with no tickets, accidents, or violations on my driving record and when I tried asking for an explanation from these people they first told me that it was due to me changing addresses, which I did not do, and then, later on said that they are charging different areas that people live in differently, SO WHICH ONE IS IT? HERE IS MY FAVORITE PART ABOUT THIS COMPANY. WHEN I DECIDED I HAD ENOUGH OF THEIR FRAUDULENT SCAMMING AND CALLED TO CANCEL MY SERVICE, THEY SPECIFICALLY TOLD ME THAT THEY WOULD ONLY CHARGE ME FOR THE DURATION OF THE MONTH THAT I HAD USED THE SERVICE AND NOT THE FULL AMOUNT. NOW THEY HAVE SENT OUT A DEBT COLLECTION TOWARDS ME FOR THE FULL AMOUNT, RUINED MY CREDIT, EVEN WHEN I AGREED TO PAY THEM THE FULL AMOUNT ANYWAY, ON TIME. This company is so disgusting in every aspect of their business that I have decided to take matters into my own hands and will be suing them soon on account of my lawyer. I would not recommend this disgrace of an auto insurance to even my worst enemy.

    Reply
  25. There’s a common thread with comments throughout these reviews. They avoid paying when other party is at fault. They don’t communicate. Insured always has to seek assistance. My claim is almost 7 months old and I am still owed money. Totally pathetic service. I’ll be filing a complaint against Safeco and the adjuster with the Texas Dept. of Insurance. If anybody looks at these complaints, avoid Safeco even if their rates are lower. If you ever need them they won’t be there for you.

    Reply
    • We had a similar thing and we went to small claims court and my husband represented himself. He won!!! We had taken a lot of pictures and had copies made and numbered them so when he was explaining something he would tell them what number to look at so they would see what he was talking about. We made a group for the judge and all 7 of the jury. That helped so much! It was quite an experience and one that we don’t want to have to go through again! I hope this will help you if you decide to go to court.

      Reply
    • I’m not a fan of class action suits but this sure is one waiting for the right lawyer to pick up.

      Reply
      • I agree, I was injured by a customer home with mold, having this Safeco company as their insurance . I rented a home and the landlord was paid his claim mine was not. I had proof by doctors and other proof pictures. They told me their policy had exclusions but would not tell me what the exclusions were. So I have to live with my medical problem. Sick they just won’t pay the people who really have a true claim. I reported them to the Calif department of Insurance and they told me after investigating it was a privacy act they couldn’t tell me what exclusions they had on the policy either. What a joke insurance is.

        Reply
  26. Terrible insurance company. I had an accident that was not my fault at all but the lady handling my case let it all be blamed on me. She had me take off work so she could call me and get my side of the story and then called me 2 hours later telling me that she only had a couple minutes to hear me because she had a meeting to go to. I asked to do it when she had more time she said my time is now. She would never return calls after that. Management was no help at all and very rude/unconcerned. 4 years later, I needed a tow and called roadside assistance through Safeco as I do pay for it. Safeco sent out a terrible towing company who not only didn’t end up towing me after my 1 hr wait turned into 3 hrs, they broke a part on my gears and jumped my battery wrong- safeco made me pay my $500 deductible even tho was Safeco’s fault. The claims guy tried to help but management again was terrible and said they would not pay the deductible though it was their roadside assistance/towing that caused it. They are horrible and I recommend going to a different insurance company. I called a few people there to talk about the problems I was getting and no one called me back. They take your money but never come through and in my case caused my more damage and money not too mention much stress and more. damage was 1,500 caused through safeco

    Reply
    • Its Mark-when I wrote this review I didn’t imagine it would get worse! Safeco towing companies damages to my car increased as the battery charging incident thru them caused more damage- I ended up paying over 2,000 for something Safeco caused thru their towing company-management said no to paying what they are responsible for and the claims adjuster said he would go after towing company thru arbitration but he did not even do that. I used their towing company since I called Safeco’s road side assistance that I pay for and he acted as if he couldn’t get info on the towing company they use thru contract. After talking a couple times to adjuster he then stopped returning calls or emails and they never paid me for the damage they caused,,,,,,2354.00 to be exact..

      Reply
  27. This company is not capable of resolving any issue professionally. After an accident that was their client’s fault they’re trying to take our Cadillac. My husband has invested a fortune in that car and it was in terrific shape so no wonder they want to get a hold of its parts.

    Reply
  28. This is the worst insurance company I’ve seen. It’s been over 3 months since our truck got totaled in a hail storm and still no settlement. They will low ball the value of the vehicle to pay out the lowest amount. They do not return phone calls, emails or send you documentation on how they come up with the value. RUN as fast as you can away from the company………

    Reply
  29. As we can see all comments here are negative. I have been looking at these blogs and comments on other insurance companies for home owners insurance. 99% of all comments on all insurance companies are extremely negative. Apparently ALL insurance companies are exactly as described here about Safeco. Every last one sounds just like this. According to what I have read on many web sites, NO insurance companies pay out on claims on ANYTHING and ALL adjusters are rude and disrespectful. Also apparently ALL insurance companies raise rates without notice for no reason after telling customers they will not raise rates, OR state they are now a higher risk for no reason at all. Therefore,according to blogs and review sites, shopping for a good insurance company is fruitless because ALL claims are denied and ALL customers are treated like dirt.

    Reply
    • Keith,

      I have been a consumer of insurance for the past 40 years and used at least a half dozen insurance companies. Most are adequate or even good. Safeco is far and away the worst insurance company I’ve dealt with for consumer claims. They seem to have a strategy to reject all claims, intimidate the claimants, try to starve them out by dragging payment, and by being generally rude, hostile and unreasonable.

      I had a simple claim: one of their insureds destroyed my car when I was stopped at a stop sign. She simply did not see the stop sign and plowed into the rear end of my Prius with her truck at full speed. After assuming responsibility, Safeco told my insurance company they would handle the claim and that I should deal with Safeco directly. Safeco did not make an offer to me for two months despite my protests for a speedy payment. They finally offered to pay for the car but deducted $1400 in “administrative/storage” charges. I refused their check until paid in full. I had also incurred about $3000 in medical expenses, also refused. I went back to my carrier who quickly paid and sought repayment from Safeco. They ended up in mediation. I was still out the deductible, some rental car payments and the medical charge It was a long process but I took them to court and won. In the interim I had to buy a car using my own funds (I received payment from my carrier a few weeks after I told them I couldn’t get anything reasonable from Safeco but several months had already elapsed) and i had to go through the tedious court process.

      There were two victims: their claimant who had to respond in court and me. What should have been straightforward was not. In addition, after the court ordered them to pay me in full, they short-changed the check. I deposited the check they sent me and requested the difference. Unbeknownst to me, they cancelled the check I had deposited and reissued a new check but sent it to my lawyer not me. He sent it to me and I deposited it. They again cancelled the check unbeknownst to me and sent me another one directly. I incurred significant bank fees due to their games playing which I insisted they reimburse.

      Not only do they try to stiff you, they are sore losers. I’ve had other insurance claims in the past but NOTHING comes close to the misery Safeco inflicts. The sooner they are out of business the better.

      Michael

      Reply
    • This is for Keith and Michael: I do not agree. All insurance companies are in the business to make money! They employ people they have to pay. The reason they are in the business — like any other business is they find it profitable… not awesomely profitable, but profitable. You have just said yourself all insurance companies are alike. Yes, they act in their best interests, within the law.

      I know what it is like to suffer an injustice and not realize an equitable resolution. It hurts and there is anger — perhaps just like with me — for years. The best ANYBODY can do is research the record of their potential insurance company. The state insurance agency in any state will provide 101s on doing so.

      I have been seriously harmed by insurance companies twice in my life. The first time, I wound up walking with my young daughter (I actually “walked” for 10 years) because I was not smart enough to stop a major insurance company from totaling my car after being hit from behind at a traffic light. My gas tank was damaged as well as my trunk and bumper. We all know about hidden damages to the underside, however, I do not believe there was any. My car was totaled and I was left (after the insurance payout) with two more car notes to make.

      The second time, my car was hit by a cab driver with a notorious driving record. I know because I was told how to look his record up by a TV fraud reporter. He hit my right front quadrant, and the hit was so hard, my windshield crumbled before my eyes and my moon roof would have to be replaced, as well as a replacement steering wheel, my air bags, my hood, right fender, right tire, etc. The damage came to some $14,000. To this day, i believe it was a “paid hit” for reasons I will not disclose. The police officer handling the ticketing told me I was not going to be ticketed, but I had better get a lawyer. I understood what he meant later when the hearing on my case was dismissed because I did not show up. I DID NOT SHOW UP BECAUSE THE CAB DRIVER’S LAWYER DID NOT NOTICE ME.

      From the very beginning, my insurance company wanted to total my car, and I fought them for 6 months. They claimed I was over the ratio that would justify repair of my car. I had a 250,000-mile car with just 64,000 miles on it. No, no. I wrote everybody could think of to get support for the repair of my car, and I got it repaired. However, the insurance company “fixed” me 4 years later, and I ended my 10-year relationship with that company soon thereafter.

      Enter Safeco. I have had insurance with Safeco for over 5 years. I always am noticed about rate increases. If I disagree with them, I talk with Safeco and not a Safeco agent. I have no problems with Safeco. After each contact with them, I am asked to respond by phone with my feedback. Now, if most of the individuals who have been complaining about Safeco here on this board are insureds with other companies, PERHAPS, YOU SHOULD BECOME AN INSURED WITH SAFECO,OR, IF ALREADY INSURED, ASK TO BE TRANSFERRED TO ANOTHER SAFECO AGENCY BECAUSE YOU FEEL YOU CAN GET BETTER SERVICE.

      Reply
    • Not all insurance companies are the same. I know one that is very respectful and fast paying on claims, it’s Farmers Insurance. They are the best. I highly recommend them

      Reply
  30. On Feb 18 of 2015, I was hit by a Safeco driver who while stopped at a stop sign, proceeded to enter traffic before looking in front of himself and hit my while riding my bike across the street, I ended up with $50k med bills, because my needed surgery. The driver (very nice man by the way,) has a $500k policy limit with a $35k PIP. My attorney request control of PIP to pay off some of the bills and help me out because I ended up losing my job (which can not be directly attributed to the accident but I could even get out of bed for several weeks and needed crutches and a knee brace for 12 weeks). Safeco denied the 35k to do what the sole purpose of a PiP is intended for, and every time Safeco is contacted for anything, they wait 30+ days to respond to a simple question of… i.e. have you found the PIP application I filled out and sent a month ago after they insist they never received, (eventual they did find the letter, no apology of course just a resending of the application request. They’ve been sitting on my Demand Letter for 5+ weeks without any response, I know what they are doing, they know this is going to be a $200k settlement claim and every day they sit on that 200k is more interest in their pocket while I lost my job, my apartment, and I’m currently living in homeless shelter until I can get some work or get that fricken check

    Reply
    • That is NOT what PIP is intended for. That’s what the liability portion of insurance is intended for. PIP (or medics payments, if you’re in a non-PIP state) pays for medical costs for the insured-liability (the bodily injury portion, if it’s split limit) is what pays for your injuries. No wonder Safeco hasn’t given you the PIP-you’re not entitled to it.

      Reply
      • Sara, why do you suppose Jack C’s attorney has been ill-advising him about PIPs?

        Reply
        • I’m not sure, honestly. Maybe there is more to this story than what was given…

          Reply
          • My situation is different but all I see is that Safeco doesn’t want to pay anyone that is with a legitimate claim Safeco will find a way not to pay on the fine print of their insurance policy and worst will have their insurers lie for them it’s pathetic of a corrupted world we live in and have to deal with companies that are run this way.

  31. My wife was hit by a Safeco driver. The driver’s mom lied about the accident to my insurance. I had witnesses that observed the driver to make a left turn from the right lane on a a one way street. Safeco says my wife is 20% at fault because she didn’t know where the other driver was. My wife was in her lane minding her own business. I will be filing in small claims. Mom filed a criminal report on me saying I threatened her on Facebook but I was cleared of any wrong doing.

    Reply
    • Safeco – that’s what they do and as I read everyone’s comments I see they have been running their business the same way for a long time. Terrible customer service and their adjusters are sharks in the water preying on the small fishes to eat.

      They need to go out of business and the only way is for customers to look away. Go somewhere else run and don’t look back.
      Someone hit me while I was standing next to my car I was opening the door and she backed up and her mirror hit me hard on my shoulder.
      I’ve called to speak to a rep never get a hold of her then she is rude doesn’t bother to follow up or call me for updates or anything until I call and leave msg.
      I had been speaking with the husband of the person who hit me [Redacted] who actually works for an insurance company himself was nice until today.
      I knew yesterday [Redacted] the lady who hit me wAs going to be interviewed by the adjuster [Redacted]. It’s been 2 weeks I’ve been waiting on her one time when I called her she said she had 200 plus client so I told her maybe ask your supervisor that she needs help if that’s the case.
      Bottom line today [Redacted] called me and this was a different person than the one I was dealing with. he told me that they had new evidence and that not to call him anymore and that he was going to the police I was blown away and emotional that the adjuster would have these people lie to get out of resolving my situation. I should have looked at the Safeco reviews sooner and that way I would’ve handle my situation differently.
      I’ve had the worst experience but from now on if I ever get in another accident I will be calling the police. [Redacted] and wife [Redacted] is who didn’t want to give me her insurance information I asked her 3 times after hitting me all my stuff dropped to the ground and she never got out of the vehicle to help her reply to me was that it’s just a scratch. Be aware that if she ever has another accident prepare yourself and call the police.
      At this time I will let my insurance handle it and Im considering other actions. It wasn’t a horrible accident so imagine how they would handle something bigger. Safeco if you ever hear their going to be the responsible party for your claim get a lawyer.

      Reply
  32. TERRIBLE experience with Safeco!!! Safeco is a RIP-OFF!! My sister had an accident with driver who had Safeco insurance. It was his fault when he was backing up and hit my sister’s side of the car, and there’s nothing she could do to prevent that. Safeco told my sister that they won’t cover 100% of the repair because she didn’t make any effort to stop the car who hit her. What a bull….
    STAY AWAY from Safeco!!!!

    Reply
  33. Have had Safeco home and auto insurance for 3 years plus. I got in my first accident in August. Ity has been over 2 weeks since I opened a claim and they don’t even have an estimate completed. As such, my rental reimbursement coverage will expire before my car is ready and I’ll have to rent a car out of my pocket. Had Safeco personnel cared one bit the repairs would have at least been started. The diminishing deductible is a crock. Never offered or explained when I purchased the policies. I’m sorry for doing business with them.

    Reply
  34. I was rear ended by a Safeco inusured driver in California and sustained minor damage to my brand new 2015 SUV (7 months old) on my 50 th birthday. No injury claim and very cut and dry liability. I called my insurance company and filed the claim and sent photos. I was told it was clear liability by other driver and my deductible was to be covered, which it was down the line once investigated. Come to discover 5 months later that the claim is in arbitration and being “sent for final arbitration” at Safeco’s request. This is ridiculous for a 1,300 claim. When you are honest and just trying to be made whole (not exagerating claim, making up injuries, or seeking a windfall) you still seem to get jerked around. Thank goodness, my insurance company (USAA) seems to be handling it. It is no wonder insurance policies are extremely over priced due to the delay tactics and the poor business practices of so many companies, as clearly exemplified by SAFECO.

    Reply
    • Your claim is being arbitrated because USAA is subrogating against Safeco-no other reason. Had you filed your claim directly with Safeco, you wouldn’t have this issue.

      Reply
  35. My daughter slid off the road due to icy conditions last November 2014. She called the roadside assistance because she needed to be towed out of the ditch. I found out in July of 2015 when she was trying to get her own car insurance policy that Safeco tagged her as having an accident last November. She did not hit anything, no police were called, no claim was filed; she just called the roadside assistance for towing! I have been going in circles trying to get this off her driving record with absolutely no success!

    Reply
    • Gotta be a nightmare!!! Have you tried the state department of insurance in the state in which you reside? Apparently this was an error made by someone inputting vital information into Safeco’s automated system. Can you go back to the towing company and request a statement from them regarding the tow? Can you talk with the police department to see if some kind of statement can be issued by them to refute that information? I would call Safeco directly. I did not purchase my insurance through an “agent” and as a result, I am always calling the general number for assistance THAT I GET. I am not going to say ‘good luck’ because a statement like that is superficial. I am going to say your daughter is young and this error needs to be cleared up. Don’t give up.

      Reply
    • It was a towing claim-plain and simple. If it’s been reported as an at fault accident, then yes-it absolutely should be updated. However, if it’s on her CLUE report as a towing claim, then that is a legitimate entry.

      Reply
  36. Worst customer experience ever! I tried to get through your automated system at least 10 times and it kept hanging up on me. I finally had to call the accident hot line and get transferred to customer service. Then I was put on hold for over 30 minutes. When I got through to a person, we discussed getting new insurance cards for a new vehicle. The card came through with the wrong name. When we tried to recontact your agency, we were told you were closed! We had the e-mail of the agent, so we sent her a message and she did respond. But the card she resent had my wife’s middle initial wrong!! The third attempt, three hours from when we initially tried to contact you, is now correct. We will be looking for a new insurance company.

    Reply
  37. I too am having a terrible time with Safeco. My car was hit by a driver with Safeco insurance. The driver was ticketed by police. My car was totaled and Safeco will not assume liability. Should I hire an attorney?

    Reply
    • Small Claim Ct will work for up to $10K. I took Safeco to SM claims ct for the water damage to my house and won. No lawyers are allowed there. I think if the other person got a ticket then you have a solid case.

      Hope this helps,
      KP

      Reply
      • I was hit by a driver with Safeco car insurance 2 weeks ago and they are trying to only pay for 90% of the damages. DId you take Safeco the company to small claims court in your local area or how does that work. I have been without a car for going on 3 weeks now! This company has been a nightmare.

        Reply
        • I took the driver of the car that totaled my car to small claims court because Safeco wouldn’t pay for medical expenses AND insisted that I sign a letter that said I couldn’t go back to court if my injuries flared up again. I won the amount of my bills and didn’t have to sign a waiver. It was a bit of a pain but I read a NOLO book on preparing for small claims court and it helped. I put together a bound document with all the pictures, letters, bills, etc. Safeco seems to have a corporate policy to shortchange victims and assume most will take it because of the pain involved in fighting.

          Reply
  38. Safeco is the worst insurance company ever ! They have added and cancelled 4 auto policies for me due to their incompetence. They can’t get loss payees or vin numbers correct. They can’t fix mistakes, they cancel your policy and then re-issue the policy for every single mistake they make. They are [Redacted] !! I hope I never have to make a claim until I can find a real insurance company !!

    Reply
    • Terri, I have experienced some of the same problems with Safeco. I am extremely frustrated with them and I am cancelling my policy. They are a rip off. I am currently being charged twice a month, with the claims of being 1 month behind. I have paid 2 payments to cure the month behind, but to my surprise that did not cure the payment.

      Reply
      • Safe co is the worst, I very much recommend that everyone stay clear! We had a complete fire loss to our home, Safe co asserts that we were responsible for the loss in and effort to not pay the claim. Even after a complete investigation there is no bases for there position yet they still will not pay the claim. My family has been forced to live in an RV for 3 years. If anyone has had the same experience with Safe co in the state of Washington, please contact me. Also we are looking for a contingent fee based attorney. Can anyone help? Attorneys are welcome to contact me at [Redacted]

        Reply
        • I’m in California and had a vandalism flood caused by the felon that murdered my daughter. This occurred in Feb of 2016. Until last month they kept stating I did it. I broke my childs urn, i threw away her ashes, i destroyed all her pictures and clothing. Now that the investigation by Safeco, not the police ( they never suspected me) they are threatening me, not responding. The lab report that Safeco had done on the air quality of my home, states it is potentially deadly to elder persons. They have known about this since Aug and have done nothing. My father is a 85 year old VietNam Vet suffering from taking daily bathes in Agent Orange. When he was released from a 60+ day hospitalization, Safeco made us live in a house, no heat, no windows in some places just boarded up. I wish I could join you in a suit but I’m not sure if its possible since I live in another state. Good luck to you. Please keep in the loop, as I will probably have to seek a suit against them as well.

          Reply
  39. We have 3 cars. For some strange reason, our oldest and least expensive car’s insurance rate is the highest of all 3. When I asked my agent to remove/ cancel just that car from our policy, I was told that unless Safeco insured ALL of the cars in our household, they would not insure ANY. Supposedly, that is their policy in Florida. Has anyone else heard of such a thing?

    Reply
  40. Don’t count on Safeco insurance to pay for any damage to your properly. I had a slow leak from the upstairs bath tub drain. There were no wet spots inside the house, so it went unnoticed for few months until I got estimate for getting the house painted outside, the contractor noticed the wet spot above the bay window. It turned out to be big damage behind the exterior wall. There was wet rot that is covered for up to $50000 as per the Safeco policy. Repair cost me over $10k and Safeco paid nothing. I had policy reviewed by experts and consensus was that Safeco should have paid me $5K towards the damage, but they insisted that “Exclusions apply”. This is how they will cheat you. When you read the policy, you will think you are covered, but good luck collecting anything. No wonder they have so many bad reviews already.

    Reply
    • Did you read your policy exclusions? I’m fairly certain that “slow leaks” are explicitly excluded. Your homeowners policy pays for “sudden and accidental leaks…” not a slow leak. There are very few companies left that actually cover those types of leaks. This shouldn’t be a ding against Safeco…it’s more the consumer not understanding what they purchased.

      Reply
    • Wow that’s all I can say. This is the worst insurance company and they will do anything to not pay their claims. I hope they get the biggest lawsuit in their life and disappear from giving bogus insurance to consumers

      Reply
  41. Thanks for all the good information. I got switched to a company you write about which I am now aware that it’s not toe best company for me and I will switch out from them at the end of next quarter. Thanks again.

    Reply
    • My husband was hit by a young man 12/2013. He was definately at fault. Safeco is the worst when it comes to filing a claim. They don’t return your calls and you always get to talk to an answering machine when you call. After a long phone tag with them we decided to go to small claims court. They, ofcourse, said it was my husbands fault. They asked for a jury trile and that is what they got. We talked to an attorney and he gave of some good advice. He said we could do this ourselves and that’s what we did. Have as many pictures as possible and document everything. Dates, times ect. My husband went up against a corporate attorney and we WON. The young man was very rehersed and the jury picked up on that right away. He was dishonest and the look on my husbands face would have told them that. He was only 17 and I hope he learned something from this experience. Honesty IS the best policy. Hope this will help some inocent victims out. Jackie

      Reply
      • I was also hit by a Safeco driver while I was stopped at a stop sign. It should have been quick and easy. After a year and a small claims court hearing, I received payment for all. There were two victims: me and the driver. The driver thought Safeco would take care of it and instead had to be dragged into court, humiliated, and then Safeco paid. Shame on them.

        Reply
  42. I have a friend that had a wreck with a safeco driver my friend was not at falt and total his car . it was a old town car with a wheel chair lift on the back , they came across with the money on his car but will not pay to have the wheel chair lift on his new van . and the van is a used one that has a hatch back door and the old lift will not fit . He is a veteran 86 years old and has doctors apointments at the VA hospital often and needs his electric wheel chair . the VA will not have another lift installed on his car because it wasnt his falt and safeco will not put a lift on the van because he didnt buy another old town car so the lift would fit . This friend of mine served his country and some money hungry insurance company ( safeco ) will not install a swing away lift for his wheel chair , in whitch the lift is not over 6 mounths old . if any one knows where to send complaints and blogs about safeco please let me know and i’ll post all over the internt . thanks

    Reply
    • I had a similar incident with a Safeco driver. I was at a red light and they rear ended me and totaled my car. Now they are trying to say it is my fault. What I did was lawyered up and I suggest your friend do the same.

      Reply
  43. My parents were insured by Safeco for decades on their homeowners policy. Perfect customers. Sadly they both passed away recently and we have put the home on the market. Got a letter recently from Safeco saying they were gonna send out some inspection company to do a routine review of our clean $300k home.

    Sure enough they did the inspection and found a very clean well maintained home for sale in an upscale neighborhood for $300k. A few weeks went by and then we get the nasty gram letter in the mail from Safeco Insurance,

    it read to the effect ” Uh …yeah we sent an inspector out to your home and it was empty and for sale. Oh and we know your parents passed away (our meager condolences) and yes we are going to drop your policy like a hot potato. Please find coverage elsewhere.

    Thanks for all those great years of coverage Safeco. I will be sure to tell 100 of my friends about the lack of ethics and integrity practiced at Safeco Insurance and for them never to choose Safeco for any of their insurance needs..

    Reply
  44. This company will rip you off, do not insure with them. They’re so called strict deadlines and policy’s are a joke.
    They do not work with the policy holders what so ever, if you are a day late, they will cancel your policy and make you repay the down and payment and the first months payment.
    Their customer service support is rude and terrible and do nothing to help you, they act like its a chore to work with policy holders.
    I am not only reporting them to the better business bureau, but reporting Safeco insurance to my brother in law the attorney general.
    I repeat do not insure with Safeco.

    Reply
    • I agree with you 100% they are nothing but thieves.

      Reply
      • Sadly finding this out for myself now

        Absolute waste they are.

        Reply
    • I agree , I also had Safeco Insurance, worst company I ever dealt with. Poor customer service, don’t dare file a claim, they NON-Renewed me for NO GOOD REASON. One of our vehicles was involved in an accident (OTHER DRIVERS FAULT) Other insurance company paid the claim, and still Safeco dropped us. I got better treatment from Progressive, the other drivers Insurance, they were more helpful, more friendly than Safeco .

      Imagine that.A WORD TO THE WISE DO NOT SIGN UP FOR Safeco, no matter what great rates they have.

      Reply
    • I totally agree they are horrible. I, too, will be reporting them to the BBB and the Attorney General.

      Reply
  45. My mom is very elderly and I manage her 2 rental properties. We have been with Farmers for years but the rates keep increasing annually so I am shopping around. I have had a hard time finding companies that write landlords policies in Colorado. I am considering Safeco for a landlords policy since they are 30% lower on their quote than our current policy but I can’t get any information about whether or not they are a good company for this type of policy or how any company rates for landlords policies as far as customer service, satisfaction, claims, etc.

    Do you have anything that might help me?

    Reply
    • Hi julie,

      If I were you, I would find some websites or forums that are targeted toward rental property owners and ask your question there. Niche community sites love to help each other, and I am sure there would be a number of people who would have first-hand knowledge about Safeco’s landlord insurance policies.

      Unfortunately, our research for Safeco is geared for consumers, and not necessarily those looking for landlord insurance.

      Best,
      Eric Stauffer

      Reply
  46. Hi Eric,

    My parent’s have been with Safeco Home Insurance for 35 years and recently made a claim due to a slow leak that damaged their wood floors and created mold in the walls. The claims adjuster was really rude and they’ve been getting nothing but poor customer service. In the end they just received a call stating they are denying the claim. What avenues can my parents take to argue their case? The adjuster said had the leak occurred two weeks ago then they would be covered. However, it was a slow leak therefore not noticeable for a few months later. Any advice you can provide would be appreciated. My parents are really upset over the recent decision. Also, we can’t seem to find the CEOs emails contact. Thanks, Kim

    Reply
    • Hi Kim,

      Just because an adjuster says no, does not mean that is the end of it. There are a few avenues your parents can take, but it will depend on how much damage we are talking about.

      If there is a relatively small monetary damage amount, then you can start by hammering them on the phone over and over. You can also try sending a letter directly to the corporate office. The address is:

      1001 Fourth Ave.
      Seattle, WA 98154

      Basically becoming the squeaky wheel.

      If there is significant damage, it may make sense to hire an attorney.

      What I do not quite understand is what you mean by “The adjuster said had the leak occurred two weeks ago then they would be covered.” Did the policy lapse?

      As far as the CEO’s email address, I do not have it. But I have seen his profile on LinkedIn. His name is Matthew Nickerson.

      Best,
      Eric Stauffer

      Reply
  47. We recently were told our company was being switched to Safeco. After recieving letters twice from Safeco stating our rates will not change, we get our policy within 2 weeks and sure enough they have raised them. No reasons given. And the increase was more than 40 dollars although the policy coverage has not changed what so ever. Thankfully we only have about a month and half before renewal. Insurance shopping we will be doing.

    Reply
  48. After Eric’s help pinning down company president name and address I wrote a letter on 8-14-14, and today I got an email response from a man on behalf of the pres. They are refunding our out of pocket expense and using my letter to improve customer experience. Thank you very much.
    Lori Campbell

    Reply
    • Hi Lori,

      Glad to hear that worked out for you!

      Best,
      Eric Stauffer

      Reply
    • Great news!

      Before I got a reasonable deal from Safeco, I went through over a year of misery. Safeco quickly took responsibility for the claim and told my carrier they would handle my claim. After three months of nonsense from Safeco, i insisted that my carrier take over the case after realizing Safeco was messing with me. I quickly received a partial payment from my carrier(it was less my $1000 deductible and didn’t include rental car coverage) and they embarked on 6 months of mediation with Safeco. To get payments for my medical expenses required me to go to court — luckily the expenses were less than the Small Claims Court maximum of $10,000 in California. I secured a judgment against the driver that rear ended me and Safeco sent a check in a couple weeks. [Redacted], the claims adjuster, couldn’t help but make that process miserable as well.

      The first check I received was minus the court ordered fees. I cashed the check and requested another for the fees. I later received a check for the judgment plus fees. I called customer service and asked what I should do with the over payment. She checked the records and noted both checks had stop payments on them. Unbeknownst to me, I had incurred bank charges for the first check when Safeco stopped it. Ms. Bach later had a 3rd check issued. I requested a note saying that this time she would not again stop the check. I copied the CEO’s office to ensure her compliance. [Redacted] offered by email, “I’m sorry for the misunderstanding.” No apology, no notice, imperial attitude. This is one bad organization but I’m glad your result was better than mine. If ever hit by a Safeco insured driver, assume the worst, call the police and be sure EVERYTHING is documented.

      Reply
  49. Hi Eric,

    Wondering if you can tell me the President’s name and address for Safeco. I want to write a letter of complaint because I cant get their adjuster to contact me. I was hit by one of their customers Jan. 9th, 2014, and I am out of pocket $95 for a rental car. Only had the car for 5 days, without my car for over 2 weeks. My insurance and myself have made repeated attempts to contact the adjuster, his voicemail says he returns calls and emails within 24 hours, nothing. It’s not even about the money anymore, but the fact that their customer service is awful. Thank you.

    Reply
    • Hello Lori,

      The president is Matthew Nickerson and the Safeco corporate office can be found at:

      1001 Fourth Ave.
      Seattle, WA 98154

      Best,
      Eric Stauffer

      Reply
  50. Safeco rep contacted me and stated that my insurance co was turning all its auto policy’s over to safeco and that was due to happen with in next month. Due to Safeco being a reputable company I believed him and ended up with 2 policy’s on my cars. They agreed to refund me part of my money for this month but it does not make up for the way they got my policy. When I contacted my insurance company they were unaware that this had occurred. Now I am out of $280, and on a fixed income. I do admit to not following up like I should have but Safeco is supposed to be a reputable company.

    Reply
  51. We are considering Safeco Auto Insurance and the agent has encouraged us to enroll in the Rewind program, however, after reading the fine print, I’m not so sure its a good deal for us. Do you have information from consumers (pro or con) that might help us make our decision?

    Thank you

    Reply
    • I’ve had only bad experiences with Safeco. They will only pay when faced with overwhelming evidence and will cheap out on the payment. Even after court judgments are issued, they play games with payments. Their initial rates may be good, but don’t count on fair and reasonable service and payments. My experience was with the Los Angeles office with an auto matter.

      Reply
  52. I would like to say Safeco agent lied to me about being able to insure my motorcycle when I transferred my auto insurance. Very upset that after 11 days of having insurance to find out the company will not insure my new motorcycle after stating that I could add it. I would not refer Safeco to anyone through WellsFargo.

    Reply
  53. I saw the most recent posting today. I am thinking that Anonie Mous is right and the Texas agency that has an A+ rating is probably one of several agencies IN TEXAS. As I have previously said, when I lived in the Midwest (Illinois and Wisconsin), I did not have any irregular problems with Safeco.

    I did receive from Safeco several days ago a notice that I am being transferred to another agency. No reason was given, but it the new agency is better than the one I wound up with when I moved to California, that’s a good thing. Another juncture is about to show up for me. Most probably I am moving to San Bernardino in another month or so. Let’s see if there will be another agency change. I can tell you already, there is something I really like about San Bernardino. They do not drive like Mad Hatters. That includes the [Redacted].

    Reply
  54. I read thru these until I got to the comment re: SAFECO not being accredited by the BBB. I immediately researched this on the BBB website as I had been told by a rep they have an A+. They do. I also checked with the TX Board of Insurance b4 I bought my VASTLY lower premium policies yesterday and TX rates them as A+. So, I just stopped there and figure I’ll go with what I know personally until I know differently. Good luck to everyone!

    Reply
  55. I filed the claim with Safeco for wind and hail damage to my property. The adjuster came he was a nice guy but then all the sudden started taking pictures of every single little thing he said ill get back to you in a couple days. I found that my claim was being denied and getting an email 2 days later saying that my policy will not be renewed for the next year because of my sidewalk issues I have prior to me buying the house and I had hanging shingles. If the company was good on there word the hanging shingles should of been resolved but no instead of thinking of the customer they cancel your policy. Just remember that when you’re trying to get safeco

    sincerely pissed off customer

    Reply
  56. Wow, we were about to switch to Safeco this afternoon. After reading this, we’ll shop around for another company.

    Reply
    • We signed up with Safeco using an online agent. We had the down payment taken from our account. Once we received the paperwork and cards, there was a glitch. The quote given us was wrong, we had to pay $100.00 per month MORE then the quote. I cancelled immediately, and STILL have not received our refund. It has been almost 1 week, and was told our account would be credited within 2 days. SHAME ON YOU SAFECO!

      Reply
      • Peggy… I am beginning to wonder about PARTICULARLY the service provided to insureds and potential insureds in the State of California.

        I have had Safeco for approximately 4 years. I signed on in Illinois and had no problems. I moved to Wisconsin and had my insurance transferred there with no problems that I could not get resolved. I recently moved to California, had a mishap on the road, and it seems like things are coming apart. It must have something to do with the “agencies” that sell for Safeco or are assigned insureds by Safeco from another state. Something’s awry.

        Reply
  57. Eric! What a great effort you have set up. Thank you.

    I keep noticing in submitted comments that the appropriate contact information creates bottlenecks in resolving claims and disputes. (I also have noticed the complaints about Safeco.)

    How I got to your website. I have been having some concerns about Safeco for a few years but simply looked past them because I had a full plate of other concerns. I did not worry much because the association has been a 4 or 5 year association with them and I had no at-fault accidents even well before changing over to Safeco. I left State Farm in a serious dispute after being with them for 10 years, and Safeco welcomed my Volvo and me.

    I recently moved to California from Wisconsin (where I wound up paying a near 20-25% increase in auto insurance last year… it was statewide). Moving to California, I found myself with a premium $10.00 less than in Wisconsin, but I lost my zero deductible.

    Just about 30 days after I tested for and received my California driver’s license, I had a fender bender — actually, it was all glass. The involved parts were my driver’s side headlight lens and my turn signal lens. My lights in both configurations still work. It was a weird accident with a tanker truck. I did not hit it from behind, I was trying to avoid a stalled car in the left turn box from rolling back on me (we were on an incline and the driver apparently put his vehicle in neutral… or somethin’, but it started rolling back on me). I will not take up more space giving you the blow by blow account, however, I was trying to turn right out of the left turn box with my blinkers on to notify oncoming drivers of a problem. The tanker truck did not yield to me but was stopped at the light. As I tried to turn, my headlight area made contact with that long lower bar that is on all trucks (it extends the width of the truck or tank and usually has red and white striped tape on it). The result was glass breakage. No body damage; the red and white tape was punctured and torn just a bit in the spot where my glass began to break.

    I furnished a statement to the Safeco Claims examiner and have just received a letter from her that it has been determined I was 100% at fault and the determination was based on facts uncovered by Safeco’s investigation which shows that I failed to maintain proper lookout and safe distance, resulting in a collision with the tanker truck…it will be my responsibility to pursue recovery for any out-of-pocket losses I may have incurred. Now, I have the right to ask for reconsideration and I should put my request in writing and direct it to “Title 10 Review Committee” in care of Safeco at PO Box 515097, Los Angeles, CA 90051.

    First of all, when I called in the mishap, I was asked if my vehicle was under $24,000 when purchased. (What’s with that?) When I took the vehicle to their elaborate looking body shop hidden away on some very small street, the consultant brought out a camera and told me he had to take pictures of the entire car and its interior. I got an estimate for over $350 because he wanted to replace the entire headlight and signal light assemblies which would require Safeco to engage the $250 deductible portion of my policy. I seem to recall that he asked me some sort of question about whether I intended to keep my car for long. I rudely told him if my car came up missing, his shop would be the first place I would visit.

    This is long (sorry… but I am almost finished). I am a do-it-myselfer and looked up the lens, the gasket and clips and the signal light lens. The whole enchilada will cost me under $100. I haven’t ordered this stuff yet, but this is the route I intend to take. I advised the body shop by email on May 2nd that I would be handling the repair myself. The letter containing the advice about my 100% fault was written May 3rd. I cannot find a Title 10, California Code of Regulations (with Safeco or the State of California) that deals with passenger vehicles. I have a driving record, almost stellar, for some 50 years, and I do not think I will take this one sitting down. For starters, this determination letter will hurt me if I decide to look for other insurance; I do not know what they are going to do with it in terms of advising the DMV; truck drivers are suppose to yield when there could be a possibly hazardous condition taking place — he did not and I know he saw my blinkers. The damage was under $700, but this “at-fault” propaganda may hurt my driving record.

    Now, Safeco might have been trying to clear the truck driver because he told me he was on probation for some other things that he got involved in that actually were not his fault. I liked the guy, but I was not going to sit in that left hand turn box and allow the rolling car to take my headlights, grill and possibly push in my hood over the grill. My car is 13 years old and Safeco would try to total me.

    Do you think something sounds fishy about this investigation that found me to be 100% at fault? I provided a carefully worded and lengthy statement to claims adjuster who never came out to examine the vehicle. The body shop did it for her.

    Reply
    • Hi Sandra,

      That sounds like quite an ordeal!

      I do not think this incident will have much of a lasting impact on your overall insurance experience, even if you do look for coverage elsewhere. It may end up knocking you off of the highest status level for a year or two, but something that barely hits the deductible really shouldn’t do much. Of course, I am not a rate adjuster for any of these companies, so I cannot be 100%.

      The fact is that the accident was reported to the insurance company, so whether you were found at full fault or partial fault, it really does not matter at that dollar amount. Its still a small blemish either way.

      In addition, most insurance companies do not look at minor infractions for more than about three years.

      If you want to push your case, I would recommend to keep filing appeals. The squeaky wheel often gets the oil. :)

      Good luck!
      Eric Stauffer

      Reply
  58. This has been the worst experience ever. I would not recommend this company to my worst enemy. Customer service is horrible. It took 5 months and 3 calls to 2 different supervisors just to get a call back from my adjuster. His manager did a terrible job of enforcing him to do his job. It is now basically June and my minor accident with clear liability happened in Aug of 2013 and it has still not been settled. If anyone has any contact info as to where I can make a real complaint I would greatly appreciate that info because at this point this company needs to be shut down. Absolute worst customer service I have ever experienced in life.

    Reply
    • Troy, here is the info I was just given by [REDACTED] who claimed to be a supervisor when I asked for a corporate phone number, she gives me an address instead. Their customer service is non-existent so dont bother asking them a question. You will be “respectfully declined your request” for ANY info, at all. Ever.

      Safeco Insurance Company
      P.O. Box 515097
      Los Angeles, CA
      90051

      I hope safeco is out of business soon. They don’t do anything but steal money and act ignorant about anything that is their responsibility. Good luck.

      Reply
  59. I too was involved in an accident with a Safeco insured driver. Her fault….but what a nightmare dealing safeco. Adjuster works “part-time”, will not return a phone call, does not reply to email. Standard delay tactics….I have never seen such horrible customer service….and this is a relatively minor incident. God help you if it’s a major incident…..what a bunch of [Redacted] they are.

    Reply
  60. We are in the middle of a SafeCo nightmare also. My husband was in a hit and run fender bender. They are now totaling his completely repairable car using some very hazy math. We will be dropping them as soon as this nightmare is over. STAY AWAY FROM SAFECO.

    Reply
  61. Wow! I have also been hit by a Safeco insured. Completely his fault, and he readily admitted it. The entire thing has been a nightmare. They want to replace parts with refurbished parts, not made by Honda on my less than 1 year old Honda Accord. I was told by the body man not to accept this. Found out today, that he almost lost his job for telling me that, and he no longer wants to work on my car because of all the trouble he got in for telling me about their dishonest way of doing business. Now my insurance company has had to get involved, and they let me know they were about to suggest we switch our home, secondary home, boat, and umbrella to this very company! That’s NOT gonna happen. DO NOT USE THIS COMPANY.

    Reply
    • If you are in California, I believe there are new regulations requiring the use of new parts. My car was hit by a Safeco driver almost a year ago and I still have not settled. I turned it over to my insurance company and they are now in arbitration with Safeco. Safeco is a rude, arrogant organization and should be avoided at ALL costs.

      Reply
  62. I called Safeco the 30th April 2014 after a tree from my property fell onto my neighbors deck and roof.
    I’ve never been in this position before and thought calling my insurance was the right thing to do the woman that i talked to said that it was up to the home that the tree fell on to call their insurance but would I like to file a claim I said i better had I was taking her advice.Now it seems I shouldn’t of made a claim , I want it closed but it looks like i might have a fight on my hands. I need the right wording to get through to the people that put a claim in for me under really bad advice from the claim center. HELP!!!!

    Reply
    • Hi Anne,

      Unfortunately, once you make the claim, you cannot really “take it back.” They have already been notified, and now they may or may not use that information going forward, even when calculating your future rates.

      It is like car insurance – If you get in a fender bender that costs a few hundred dollars to repair, a lot of people work it out themselves since it will not even hit the deductible. However, if anyone notifies their insurance company, they now have record of an incident, whether they pay for it or not. They can choose the calculate future premiums using that information.

      Now, the question of whether it is ethical to not notify your insurance company is another topic altogether, and some insurance plans require notification, regardless of how small the event is.

      Best,
      Eric Stauffer

      Reply
  63. I would not recommend to anyone that has a second home or vacation home to use Safeco. We purchased our home new in 2007 lived in it full time until 2014 and had to move to Arizona for doctors care. We heard recently that our homeowners insurance would not be renewed at the maturity of the policy because our home is for sale. This home is new has furniture in it and our neighbors watch over the house while we are gone. Safeco says this is a vacant home, which it is not. I have a high credit score above 800, have owned 8 homes in my life time and keep our homes in perfect condition. I even gave them our automobile policy and their rates are $30 more a month than other carriers. This shows me what this company offers in the way of Customer Service.

    Reply
  64. Safeco makes it impossible to contact them directly, your only communication channel is with your insurance agent. What the insurance community did to me was the agent wrote me a policy, took my annual premium then came back 30 days later and said they would not insure my home for reasons that were clearly marked on the insurance application. If a home has brick siding and you put brick siding on the application then ALL of the information was disclosed up front and the insurance agent and/or company can either accept or reject to provide you with insurance. My agent filled out the application, signed the agreement, took my full annual premiums then informed me thirty days later that the insurance company would not insure brick homes. I was forced to move to another company, Safeco, and my agent did the same exact thing with Safeco. The agent wrote another application, took my full annual premiums (approx. $3700) and within three months Safeco was billing me for an additional 400 with no explanation of the charges. I was already in for approximately 3700 to the previous insurance and now I have an additional expense of another 3700 to Safeco and Safeco starts billing me for additional premiums. Here is what CEO of the insurance said when I asked for an explanation of the additional 400 charges. “The insurance companies can change rates anytime they want, they look at your previous insurance policies and determine whether you are going to be a profitable client, if they determine you do not meet their criteria they raise your rates.” In effect what my agent did to me was force me to cancel my insurance policy then the next insurance company could charge me higher rates which works out great for my agent who is profiting from the additional expense of my insurance. I am unclear if I have the most incompetent insurance company or if the company they represent, Safeco is capable of selecting competent insurance agents. since I cannot contact Safeco directly I am forced into letting these incompetents extort money out of me until my Attorney can process the paperwork.

    Bottom line is do not insure through any company that you cannot talk with directly meaning you cannot find a telephone number for them anywhere. Your insurance agent can take advantage of you and you will be forced to pay much higher insurance rates because it put more commission money in your insurance agent’s pocket to do so.

    Reply
    • Hi john, I just finished reading your comment about safeco. I’m sorry to hear about your bad luck. I am going thru the same issue with safeco. I was wondering if you would be willing to share your attorneys contact information with me? My agent screwed us too and now safeco keeps charging us ridiculous amounts. I will contact your attorney and let him/her know you referred me. Maybe the attorney will see that it could turn out to be a big case and become a privileged attorney to all safeco customers being screwed by safeco for an even larger end result!

      Reply
  65. Had 2 claims with deer involved .First claim on my wife’s vehicle was handled with no problem.On my vehicle we didn,t see the estimate and we received a check for repairs in the mail. When the repair was completed we went to pay the body shop and the bill was 250.00 higher than the check and out deductible.The owner of the body shop showed me the estimate and when my agent contacted Safeco about the difference they said that the claim was handled by a west coast adjuster instead of a Midwest adjuster. The adjuster told my agent that a part was 250.00 less on the west coast.My agent has been tring to get an answer for 2 months if that included freight from west coast.All we have been tring to get is an answer to that question but nobody seems to want to answer. Make you wonder if they really want the business.

    Reply
  66. I am in disbelief reading all the comments on this website. I’ve had 2 claims with Safeco, and I could not have asked for better service. The adjuster went above and beyond what was asked for. Needless to say, I will be a Safeco customer for life.

    Reply
    • Did you look at the bills? Safeco charged me almost $1500 in administrative, towing, stocking and other charges that I had to eat. I was stopped at a stop sign when a Safeco driver hit me from behind without breaking. Safeco treated me like I was a criminal.

      Reply
  67. I have, or should i say had Safeco for three years and they are the lowest of the low insurance company i have ever seen, buyer beware!!!!

    Reply
  68. I was hit in the left side front wheel area by a Safeco insured.. I was turning right (South) and the insured was going North and turned too quick and hit me in the left front wheel area. His wind- shield was frosted up and also cracked multible times on the drivers side. I received no damage to the front of my car. All the damage was in the left bumper/fender/wheel area, but Safeco adjusters stated that it was my fault, that I swerved out and hit thier insured. I tried my best to explain to Safeco adjusters, that if I hit thier client’s car, the front of my car would have been damaged. But I don’t think anyone at Safeco has had schooling in Physics, we all know that if one hits someone (or something) head on it will damage the front of the car, not the side. Also I saw him coming and had stopped dead still when I was hit. I presented Safeco photos showing the position of my car at the time of the accident, and the damage. and tried to explain the physics to the ajusters with no prevail. I basically received the same results from Safeco as the other complaints posted on this site ..Safeco insurance is below words. They would have to look up to look a Bull Frog in the eyes!!!. I now can understand why they are not accredited by the BBB

    Reply
  69. Got hit by Safeco driver.100% his fault.He was ticketed and admitted fault.Safeco offered 80% of car and no rental car in the interim.Getting any response from Safeco is like pulling teeth.

    Reply
  70. I recently was shopping for quotes. A safeco representative contacted me. I thought it entirely odd and completely unprofessional for the agent to insinuate insurance fraud while speaking to a potential client. RED FLAG.
    Thanks for the reviews. I will stick with my long time reputable company. Looks like I may have dodged a bullet. I will be sure to share with friends and family.

    Reply
  71. Had Safco for three years. Rate increased from $550 first year to $700 second year to $1680 Third year. Never made a claim. Only thing that changed was their rate. Stay away from this company

    Reply
  72. Avoid this company at all costs. A young driver hit me and was insured by this company. It has been a nightmare to even communicate with them. They pulled what I see others saying here that they could not reach the insured. Lies! He called them from the scene. Then they said that could not get the police report. Lies! I scanned it over. Then they claimed I refused a taped statement. Lies! I gave it immediately. I’ve tried to contact them almost daily and only get voicemail. On day 16 somebody finally returned my phone calls. The collision shop also called them and their calls were ignored as well. Even though their driver was ticketed at the scene and clearly at fault, they are now stonewalling and trying to get me to take the blame. I have never worked with anyone who avoids phone calls like this. Their voicemail say they will return a call in 24 hours, but then they never do. I have been handed off to multiple people and no one calls back. Where are they hiding and who is supervising these people? In an email, one manager said she left me many voicemails. Lies! I keep records. I received ONE call. They are unprofessional and ridiculous. Do not give them your money. Go with a quality insurance company. I use Geico, and their customer service is exemplary. Even during this time, I get a daily call from Geico, even if it is just to check in. They should teach Peerless how to run a company.

    Reply
    • I thought Safeco had singled me out. My accident was May 2013 when a Safeco-insured driver rear-ended me at full speed when I was at a stop sign. She was texting and didn’t notice me or the stop sign.

      Safeco treated me like I was a criminal. They offered a claim then reduced it by admin and storage charges — all because they took two months to offer a settlement. After I reported their illegal behavior to the CA insurance commission, they retaliated.

      I never could settle with them and withdrew the claim and went to my insurance company, Farmers. Farmers paid me put is in a protracted lawsuit with Safeco now. My medical claims are still not settled because they want a full and unconditional release by paying out of pocket expenses to my doctor and a small bit to my lawyer.

      I’ll be taking them to court as soon as I get up the energy to file the documents.

      I’m hoping some class action lawyer picks up on them and sues for all victims to keep those pirates at Safeco from taking advantage of more people.

      Reply
  73. Worst experience in my life. This kid driving a brand new BMW insured with SAFECO and hit me while doing an illegal U-Turn in the middle of the street. He damaged the right side of my vehicle damaging my front bumper, drivers door, right control arm etc.. I file a claim with SAFECO and SAFECO has taken their sweet time to resolve the issue. I am about to reach the “30 day investigating period” and they can’t reach the witness in order to complete the claim so I’m stuck waiting. My patience is running out. Ff they don’t comply I’m going to have take legal action. From reading the comments I’m not the only one that has had a hard time with SAFECO.

    Reply
  74. Never will I ever use Safeco for my insurance needs. Worst company ever. I was recently hit by a Safeco insured vehicle. It was there fault. They picked up my vehicle which was totaled, and made me return the rental they gave me after 1 week. 3 weeks later I still have not received a check for the vehicle they totaled and have been getting the run around on when I will receive it. I’am now using a rental which I am paying for out of my pocket because I cannot afford to buy another vehicle until they pay me for the one they totaled out. Terrible customer service and I would not recommend using these people ever. Hopefully , no one gets involved in an accident who is insured by Safeco.

    Reply
  75. I would like to leave my own review of this company. I had previously had my vehicle covered by Safeco years ago. I decided to switch from them since they seemed to cost quite a bit, and raised their prices without informing their customers. Now, Oct of 2013, a young driver with Safeco failed to stop at a red light at an intersection, and hit me as I was turning onto the right lane of the highway. The [redacted] driver admitted fault, and I filed a claim to have my husband’s truck repaired. Well, Safeco’s claim specialist has been dancing around the claim, saying he is unable to contact the witness or my insurance claim specialist. I’ve tried contacting the Safeco adjuster several times, leaving numerous messages on his phone. Now, my insurance company has found me at no fault for the accident, so they will not pay the other party’s damages. The witness’s statement put me in the clear. However Safeco is still trying to place blame on me and is refusing to pay for the damages. Now I have to get a lawyer and fight for my claim, all the while suffering medical problems due to Safeco’s and the driver’s negligence. I would never recommend Safeco to anyone, seeing how they are unprofessional and do not properly investigate claims.

    Reply
  76. Not pleased with Safeco at all. My husband and I have had them for nearly 10 years, and just had our policy cancelled after a single claim. The total claim cost them less than $5,000 which they made A LOT more over the life of our relationship. I guess they are good until you actually need them.

    Reply
  77. Never……….Safeco company service is horrible. There services are very horrible and disrespectful……I just was calling them for some reason….but the guy on the phone was giving me an attitude……..he also hung up the phone on me……….As a customer, I have my rights to be treated as one.

    Reply
  78. On September 11, a Safeco driver rear-ended the car behind me which hit my car which caused my car to hit the car in front of me (4 car accident.) I called my wonderful insurance agency (Geico) and filed a claim at the scene but decided not to go through them for fear of higher premiums. I immediately called Safeco to give my side of the story and spent 45 minutes on the phone. They told me on 3 separate occasions that I could not get a rental car through them until they determined liability. 4 weeks later and my car is still sitting at the collision center untouched because they haven’t received a check yet. My claim was sent to a different adjuster who then assured me that they would reimburse for a rental. I racked up over $1000 for a rental. Two months after the accident they told me their driver admitted fault but would not send me a check because they hadn’t talked to everyone involved. They refused to call the other drivers claiming they have left numerous voicemails with them. I finally just went through Geico and my car was fixed in no time. $6,100 in damages. My claim is still sitting on the desk at Safeco untouched even though I’ve called them twice a week since the accident. I am still waiting on reimbursement for my rental and deductible. If you are ever involved with a Safeco driver hire a lawyer and get mean.

    Reply
    • I just got into a car accident with a Safeco driver and I did just that (hired a lawyer). Reading things like this just makes me more determined to go through with my lawsuit.

      Reply
  79. I signed on with Safeco in 2011. In the past three years I have been with them, my policy goes up $300 dollars at every renewal. Their explanation is that there are costs that have increased the policy. Note that I have never filed a claim with them and have not made any changes to my home.

    I do not recommend this company to anyone. We are looking for another carrier.

    Reply
    • Have you found a better company?

      Reply
    • They do the same thing to me. Every year my homeowners insurance goes up 24%. They, Safeco, claim its because of Hurricane Sandy, and other things like inflation, the the high labor / construction costs in New England. I have not filed a single claim, But every year, there is the 24% increase. By the sounds of the other people on this site, I’m going to start shopping around.

      Reply
  80. My grandfather and dad were covered by SAFECO for years and years. When I became a driver I got a policy with them for my vehicle. After paying premiums for about 5 years with no tickets, accidents nor claims I received a cancellation notice from them. I called and the answer they gave me for cancellation was that I was in the U.S. Army therefore I would let every other soldier drive my car. i informed them that I was married, lived off post in my own apartment with my wife and that no one else drove our car. They said “Sorry, but that’s what the stats tell us”….. Stay away from this insurance company. Although this was years ago it still stings like it happened yesterday. They do not support our military!

    Reply
  81. A Safeco insured driver ran a stop sign and I t-boned him. They admitted 100% fault and offered a fair settlement on my car. Gave me an address to send my title to that does not exist so it is getting returned to me. This is delaying the settlement check 5 more days. I have also had a non stop battle to keep the rental car. They have canceled it 3 times on me so far. As of tomorrow I am without a rental and no way to get to medical appointments. This company is a bunch of [REDACTED].

    Reply
  82. Safeco is just a bunch of [REDACTED] artists all wrapped together to take advantage of people. I received a good quote $168 down and $68 a month after that. Well I set it up on EFT for the first of every month. The first of the month came and they took their money.A week later I was shocked to see my bank account overdrawn. Safeco took the $168 out AGAIN in the same week without notifying me. Now this was the first month I had ever dealt with them and they were already double dipping into my account. I contacted my agent who said I would have my money before the weekend. Needless to say that didn’t happen. So because they took two payments out in a week and sent me into the negative in my account I didn’t receive a paycheck for two weeks until my account was no longer overdrawn.( They are responsible for my fees ). I gave them a few days and talked to another agent who then told me it takes 7 to 10 business days for my refund to be processed. Well now it has been over two weeks and I contacted them earlier just for them to tell me it takes 14 business days and they need to hold it and not deposit it into my account just in case there are insufficient funds in my account. Hmmm even if it were it was their fault, I don’t understand that crap. Everyone I speak with gives me a different answer. I’m so frustrated. They are quick to take it from me but when it comes to putting it back its a process. I decided to double check my monthly bill to make sure it was still $68. Good thing I asked because I was told I owe $234 on the first of the month. Now WTF??? The agent said it was a double payment. Well $68 and $68 is not $234 obviously. So she looked into it for me and told me that because of the refund they wanted most of my premium up front. Like any of that was my fault. It was an error on their end and I am being penalized because I insisted I wanted my money back. IT WAS THEIR ERROR! Safeco was not going to notify me of any of this. The people who helped me over the phone were extremely rude. They gave me attitude and made me feel like I’m stupid and I should have just known what they NEVER TOLD ME TO BEGIN WITH. They were trying to rush me off the phone and just plain mean. They didn’t help whatsoever and I will post back and let everyone know if I have received my refund yet. I will keep you updated on all their [REDACTED] and excuses. I wanted to file with the Better Business Bureau but I will give them three more days and if I’m still left hanging with no answers, you bet I will file with them. Then I will be sure to find a new insurance company that wont double dip into the tiny amount of money that I do have. If you like smoke up your [REDACTED] this is the insurance company you want because that’s all they will do for you.

    Reply
  83. I was t-boned by a Safeco driver in a brand new 2014 car. I was told they would not total it even though it had frame damage. They went on to say they didn’t have to use Kia parts on the car even though it voided the warrenty on this less than a month old car. They said it would be ready in 7 days after a month the car was said to be fixed. It would take another page to list everything wrong with the car when we got it . We took it right back. This is bad enough but dealing with this company is impossible they are rude and act if we are in the wrong for wanting the new car we had when there driver hit me. We still owe for the price of a new car but what we have is junk .

    Reply
  84. Not impressed with this company at all. I have had my rates raised the last two times I have renewed, and by a significant margin as well. Have been with them for over 10 years, and my rates have almost doubled in the last 24 months with no tickets, accidents, nothing. I’m looking elsewhere.

    Reply
  85. Do not trust your home or car to this company SAFECO. THEY WILL STICK IT TO YOU!!!!! They will come up with some clause so they don’t have to fix any damage. I had wind damage done to my home and property and they flat out refuse to pay for the repairs. Some of the claim adjusters are not competent and thus you suffer. Not to mention it takes them forever to get things moving. They expect you to make your payments on time but they do not take care of their customers. I agree with the many complaints. HIRE A LAWYER TO READ THE CONTRACT BECAUSE THEY HAVE CLAUSES IN THERE THAT PEOPLE NEED TO KNOW ABOUT. BUT IF YOU WANT TO AVOID ALL OF THIS AGGRAVATION DO NOT TRUST SAFECO.
    BUY YOUR INSURANCE FROM SOME OTHER COMPANY.

    Reply
    • I filed a homeowners claim with Safeco in August, because my hardwood flooring was cupping. By the time a field inspector came in October my floor had exploded; it was raised about 4 inches. I wish I could post the pictures for all to see. The claims adjuster sent [Redacted] to investigate. He found mold and moisture, failing insulation and damaged duct work. We had a rainy season, but my house has never flooded. I was told that the damage was caused by a leak behind my tub. The wall where the leak was found is not near the area where the floor is damaged. The water skipped the bathroom floor and damaged the family room, kitchen and closet where the leak was. These people will take your money and not pay claims. Maybe we need to file a class action lawsuit!!!!!

      Reply
  86. Am reviewing our policies and after seeing the negative feedback will not be renewing my Safeco policy. I was rear ended at a red light less than 3 months after purchasing my car, and fought like heck to get Safeco to use factory parts as my car was virtually new. I thought this was an isolated experience however now see it was not.

    Reply
  87. We have had the worst experience of a lifetime with safeco insurance. After six years of trying to settle with them after a car accident that has left life changing injuries to me, they chose to take it all the way to a trial. Their client is now 95 years old and they chose to make her go to court for four days. Is that the way an insurance company takes care of their client who has paid premiums for 15+ years? If you have this insurance drop it fast as they will not represent you well. They resort to lies, surveillance, and threats. Our lawyer and court fees are huge and Safeco threatened to sue us for the costs they might incur. I am sure they spent more on their legal fees than the amount we proposed that they make in their settlement. They are also known to work the system as do other insurance companies to get the verdicts heard in rural areas that are poor and have high unemployment. This seems a strange report told to us by two other law firms. Get yourself a good lawyer and get ready to have your life ripped apart for years. We have friends who have dropped this insurance company fast since they have lived this nightmare with us.

    Reply
  88. Safeco – hear us roar! After what Safeco has not done, we have hired a lawyer and will have our day in court. You will not take us down. The word is spreading to everyone I know and through any means possible. Safeco is the WORST insurance company ever. If you have Safeco now, get out, if you are considering Safeco, run as fast as you can away. Beware of their claims “specialists” they will yell at you and call you obscene names (bi-polar might be prerequisite). Safeco does not have any business ethics or customer courtesy.

    SAFECO DOES NOT PAY CLAIMS!!!

    Reply
  89. We recently had 7 inches of rain. My roof leaked had damaged in my living room ceiling. They came today and gave me a quote for 1/4 of my roof. I have a 1500 deductible. I have never had a claim but my roof is 18 years old it has been through hail, wind storm and ice storm. I couldn’t believe it. As soon as i get my check for $754 i am looking for another company. I have made payments for 17 years and they could not give me a new roof! Everyone else in my neighborhood has a new roof in the last 5 years. This company sucks!

    Reply
  90. This company does not follow customer friendly business practices and the rates are high. Call around. If you make an error when entering the information for an online payment they will not indicate so with an error code like other companies and utilities, they just send you a cancellation.
    they don’t offer you a chance to correct the numbers you entered or pay a penalty, they just send you a cancellation. Too bad so sad.

    Reply
  91. All of these complaints dont surprize me one bit considering my experience with Safeco auto insurance. One of their insured drivers turned left in front of me at the last second. Needless to say, I could not avoid hitting him. He stated that he was at fault and he was cited by the police officer working the accident for an illegal left turn and failure to yield right of way. The police officer determined the safeco insured driver was at fault. Since the safeco insured driver pulled out at the last second and I had no time to stop, the impact pushed him into another vehicle. This driver also places blame with the safeco insured driver. The evidence is conclusive and it is not disputable. Yet, safeco, has been extremely slow and does not want to pay for a rental vehicle.
    I have been driving for more than 30 years. I have had 3 other accidents of which none were my fault in this time frame. All 3 other insurance companies were easy to deal with and did what they were suppose to do. Safeco is by far the worse insurance company I have ever had to deal with.

    If everyone would completely boycott all safeco products and services, they would be eliminated. End of problem/s. Good riddance!

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    • I also was involved in an accident with a Safeco driver. She had failed to check her blindspot while changing lanes, I had hit the breaks and she still came directly into me and hit my front passenger side tire with the rear of her driver’s side. My tire popped on impact. Safeco admits their driver is 75% at fault, while I am 25% at fault for changing lanes and not stopping in time. Safeco claim adjusters take their sweet precious time to get back at handling claims. In calling my claim adjuster [REDACTED], the call goes straight to her answering machine every time!

      Reply
      • I had a very similar accident back in August. The SAFECO driver went through a red light and hit me while I was standing. According to SAFECO’, I was 20% at fault. Have you tried to sue them in the Small Claims Court?

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  92. This company SUCKS !!! I had a deer jump out in front of my car which crushed the hood and grille and pushed it in about 12 inches. Safeco was my insurance company. The Safeco representative said it was totaled and was emphatic that it COULDN’T be repaired. Yes, yes it could have been repaired because I’ve had a very similar accident repaired and I spent 3 years in auto mechanics. The reason he said that is because the repairs would have been above $5000 and instead of shelling out money to fix my car (you know, the reason I pay money monthly to my auto insurance) they wanted to screw me so they said it couldn’t be fixed. The Kelley Blue Book and Edmunds values for my vehicle were around $5000. Safeco said they don’t use those figures (of course not, why would they use recognized values), they said they pay street value. I found 6 vehicles like mine on Autotrader, IN MY AREA (they were all whiney about that too), and none were selling for less than $6000. Safeco kept insisting that this wasn’t street value and kept offering me $2000 for my car. So they will ignore any evidence you have as to the value of your vehicle and insist that it is worth far less, because hey, we excel at screwing our customers. I said I was going to talk to an attorney, which I did. None wanted anything to do with the case because it wasn’t an auto accident where I was injured. If any attorneys are reading this, could you please specialize in suing auto insurance companies in this niche. Anyway, I got screwed by Safeco and after receiving the money immediately switched insurance companies. The whole experience made me furious. I would be willing to pay lots more for auto insurance at another company than to go with Safeco because when you need them, they’re just going to screw you. How exactly do you replace your $6000 car with $2000 ?!?!? Stay far away from this company.

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  93. MY EXPERIENCE WITH SAFECO WAS NOT A GOOD ONE. I PAID MY DOWN PAYMENT AND THEN THEY TRIED TO CANCEL MY POLICY FOR THEIR MISTAKE. THEY REINSTATED IT AND THEN I SENT 3 MORE PAYMENTS IN. THEY SAID BECAUSE I CHOSE NOT TO HAVE MY PAYMENT DEBITED FROM ACCOUNT THEY WANT ME TO PAY AN ADDITIONAL 181.00. THEY ALSO RAISED ON MY POLICY WITHOUT ANY KIND OF NOTIFICATION. THEY ARE NOT TAKING ANY RESPONSIBILITY FOR ANY OF THEIR ACTIONS. I WOULD NOT RECOMMEND THEN TO ANY ONE NOT EVEN MY WORST ENEMY. JUST A BUNCH OF BS. I AM GOING TO REPORT THEM TO THE BETTER BUSINESS BUREAU ASAP.

    Reply
    • SMART I HOPE YOU DID! Spread the word to family and friends not to do any business with this unscrupulous company. If you do you will be SORRY!

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  94. Just picked up a policy today. Will cancel tomorrow…

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  95. My experience with Safeco auto insurance has been very good, covering all the cars in my family, for more than 15 years. They have paid any and all claims without complaint, quickly enough and in amounts acceptable to both myself and third parties when necessary. Any Safeco personnel I’ve dealt with have been both competent and friendly.

    This last month, Safeco reimbursed me the full amount (minus a $100 deductible) for a factory-glass windshield replacement by my car dealer, needed because of a large rock-chip crack. This was beyond my expectations, since I was the one that insisted on using factory windshield glass, even though my policy doesn’t obligate it.

    I’ve compared my premiums against quotes from other auto insurance companies, and Safeco is not the least expensive, but the difference is not enough to motivate me to change, given the services I’ve received.

    I’m very satisfied with Safeco.

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  96. I would NEVER recommend Safeco to anyone. They have been nothing but horrible. I was in a not at fault accident & they treated me like it was my fault. Extremely rude, denied to fix certain things on my vehicle that were damaged in the accident but didn’t bother to let me or the body shop know they denied them. They told the body shop they would get back to them & not to start any work on my vehicle till they said & one day I received a call from the car rental company saying I needed to turn in my rental car as Safeco would no longer pay for it. In addition I had my payment set up on EFT coming out of my mom’s account & several times they took $ out when they weren’t suppose too. I finally switched to have it come out of just my savings account, they processed my payment thru an account that didn’t exist therefore my policy canceled, after fighting with them for days & more rude customer service they finally fixed it. We confirmed the account number & deduction date just to have them deduct it 3 days early & once again not notify me. I found out when my ins broker went to remove a vehicle off my policy. After making a payment of 3 times my normal payment they reinstated my policy with a lapse in coverage & refuses to fix the lapse even though the problem was their fault. And my latest issue…I went to add another vehicle on to my policy to find out my policy was canceled & they sent me a refund to a credit card that was not mine, instead of reinstating my policy & taking the other vehicle off. Then they wouldn’t fix the problem till I made another payment to them even though once again this was their fault. I’ve spent hours upon hours fighting with their rude customer service agents just to get no where. This last incident was my last straw. They have caused me nothing but lots of money, stress & major inconveniences. I have nothing good to say about this company!

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  97. I am a 64 yr old idiot who has stuck with Safeco for auto & home since … well, always. This was a huge mistake. As far as homeowners goes, I have never submitted a claim, and I’ve had it since 1987. As for auto, they obviously don’t want me as a client. My sin? I get a speeding ticket or two a year. I totaled a car in 1986. Wow. Since then, just one fender bender & I scrapped a pole backing up in the parking lot. But whatever parameters Safeco is using to choose clients, I am obviously well out of it. They sent me an annual bill for $1900 for auto insurance. I guess since I was stupid enough to pay their outlandish bill last year, they’d just pile it on this year. Finally wised up (it’s hard at 64) and switched insurance companies. What a crock!

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  98. Dear Safeco Insurance. Rather than wasting my energy on a lawsuit for what would have been a very small claim on the homeowner’s policy for our residence we have held with your agency for the last 14 years (and 15 years prior on a previous residence) I will post my rant here for all my friends to enjoy. Last spring, you alerted me that you needed to change underwriters on the small secondary property we have also insured with you for 29 years straight which I use for my business property. No problem, although you left me hanging for six nail-biting weeks with no insurance while you came up with a new policy, which I signed, not realizing that “New Home Policy” meant “New Home,” not “New Policy.” I can’t imagine why I would expect that you would suddenly classify a property you have insured for me as a business property for almost THREE DECADES as a “new home.” Silly me.

    Imagine our surprise when we called you to file our VERY FIRST CLAIM in 29 years for some minor damage when a pipe leaked and ruined a section of the hardwood floor in our primary residence. You informed us that for some reason, the new policy on our business residence was construed to mean we had moved and you had cancelled the policy on our primary residence last month. Didn’t we notice that our autopayment wasn’t charged last month? No we did not–THAT’s WHY WE HAD IT ON AUTOPAY! SO WE DON’T HAVE TO WORRY THAT WE MISS A PAYMENT! AND WHY WOULD WE HAVE MOVED OUT OF OUR HOUSE WITHOUT INFORMING YOU? AND WHY OH WHY DID YOU JUST SEND THE BILL FOR MY BUSINESS PROPERTY TO OUR PRIMARY ADDRESS WHERE WE APPARENTLY NO LONGER LIVE? And why did you say you sent us a letter informing us about this to an address where we wouldn’t get it? Bye, bye Safeco. I have a new agent with a new company. And I have a lot of friends who are realtors, property managers, homeowners, and business owners. Hope it was worth it to you.

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  99. Oh my!!! Wish i would have read this first. Just got an auto policy through primerica, only because they were cheaper than progressive. I gotta leave safeco!!!!! :-(

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  100. Stay away from Safeco if you are considering homeowner’s insurance, as they are quick to collect their premiums and difficult in connection with claims.

    It’s their money when they invoice and their money when it comes time to file a claim. My roof was determined to be un-insurable by lender a to a purchaser of my home but Safeco adjusters (visits by two company adjusters) determined that there was insufficient damage to pay one dime in spite of the fact that wind turbines looked like they had been hit by a shotgun blast and ridge / field shingles had many hailstone hits. Shop elsewhere. If they decline your claim, take them to small claims court.

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  101. We had a roof claim due to a recent tornado. The SAFECO claims adjuster came out and basically said our roof was fine, just wind damage. We had shingles pulled off the roof and lines of shingles pulled up. He said the roof just looked bad, but will last another 5 years (roof is 11 years old). In the meantime, most of my neighbors have had roof replacements. I called a contractor out who stated the roof was seriously damaged, not only from wind but hail. We called SAFECO out again. Basically, the adjuster said we had to file two claims..one for wind damage and one for hail. We have a $2500 deductible and our estimate is $7000. Also, since only half the roof was damaged with hail (the whole roof had wind damage), they will only pay for 1/2 the roof (who gets half a roof installed?). So basically, they fixed it so we would have to file two separate claims, each which would come in under the deductible…and get this, if we file the claims (whether we received payment or not) we would be stuck with SAFECO for 3 years since no other carrier would take us. Needless to say, we have to fix the roof ourselves, and we are dumping SAFECO and filing a complaint with the Department of Insurance.

    Reply
    • I’m having a similar issue with Safeco claiming the roof has non-coverable damage. Did it help to contact the state Department of Insurance?

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      • I have yet to contact the California Department of Insurance, but I’ll tell you, I could have sat down and typed the letter today had I not errands to run. It’s up for tomorrow because I have heard from the individual assigned to my “claim” which really does not exist, and she is adamant that the mishap was my fault even though there was no police report and no payment of funds from Safeco to repair my headlight/signal light lenses. This is after I wrote her and asked her to void the “claim” because I claimed nothing. I was told by her that the “Title 10 Review Committee” would have to look at ‘the claim’ and make that decision. She provided me with a P.O. Box number in Los Angeles that looked pretty much the same as one I read about on this forum. I told her ‘no, thanks’, I would take my cause elsewhere.

        Generally, I have had excellent results with Departments of Insurance for Illinois and Wisconsin as to varying insurance matters. The New York Department of Insurance is 4 Stars (a life insurance matter). No beating around the bush from any of them, and they will intercede if/when necessary. The way I feel about them is, it’s nice to know you to have somebody out there that is knowledgeable and fair.

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  102. I was hit by a Safeco insured while I was stopped at a stop sign. The driver admitted full responsibility as did the adjuster. Safeco offered a reasonable value for my totaled car (what do I know?) but Safeco proceeded to reduce the amount by administrative, forklift and restocking charges of $560. After I complained to Safeco that tort law requires that I be made whole (not reduced by non-sensical charges) and filed a complaint with the California Department of Insurance, in apparent retaliation against me for the complaint, Safeco REDUCED the payment to me by an ADDITIONAL $700 bringing the total deducts to $1250. In addition, they ELIMINATED my rental car reimbursement retroactive one month with no notice whatsoever. I haven’t even gotten to the medical claims yet and they are playing a lot of games. I have not accepted their offer and will likely have a multi-year battle against them.

    Their moves are not only unlawful but immoral , imperial and bullying. I suggest all folks in a similar situation file complaints with the state insurance departments as well with Safeco directly. Their parent company, Liberty Mutual, should also be informed by letters to the CEO and board of directors members. This is a very large class action suit waiting to happen.

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    • I can feel your anger and frustration. IT WAS NOT YOUR FAULT, BUT YOU HAVE TO HOLD THE BAG! This is why I am so paranoid about sudden stops… one of the first things I do is check my rear view for day dreamers.

      Someone hit me from behind as I was stopped at a light many years ago. My car was no more than 2 years old. At the time I had AllState, and I have never purchased insurance from them since.

      The guy who hit me showed up in court and was ordered to pay me monthly because he did not have liability insurance. He packed and left town. AllState totaled my car. Here I am single mother, pregnant. I wound up walking blocks to day care with my daughter, then running for the bus trying to get to work for years before I could afford another car. AllState paid all but the last car note which I had to pay.

      Many, many years later, I have an older car that has a low book value but it’s good for another 100,000 miles! If I am hit, the parts will be so expensive, an insurance carrier will want to total me. I have been seriously thinking about getting rid of a high comprehensive premium and just taking liability. That which I save from the comprehensive premium, I might want to simply “bank” so I have my own parts fund. I fought to keep the very same car from being totaled in 2007 — for 6 months — because State Farm wanted to “ratio” it out at 68,000 miles. I finally won, but I paid the price (that would be at least 5 pages of explanation).

      I would pester the state department of insurance to make things right for you. (You heard me say, ‘pester’ if you feel no one is listening to you.) You have been harmed.

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  103. I was recently in an automobile accident that was 100% not my fault. The other driver accepted total liability. At first Safeco was nice and apologetic. They were very quick to start the process of making a claim. This was too good to be true. When it came to making an adjustment for my car and getting the money from the liable insurance company, Safeco acted like they were the ones that had to pay for my car. They gave me the least amount possible, and did not take my receipts for the very expensive brand new snow tires I put on the car. They are currently selling my car to an auction company, which they make a profit on. Safeco is suppose to have my back. This is what I pay them for. More interesting is that after each adjuster in each department has the conversation they need to have with you, they will no longer return your phone calls if you have any further questions. DO NOT WASTE YOUR TIME OR MONEY WITH THIS COMPANY. They are all smoke. As soon as I am finished with my claims, I am moving on. May everyone who reads this tells someone else. Word of mouth prevails.

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  104. Filed 2 claims, one for roof damage from tree that dropped a branch and a burglary that occurred that caused break in damage. Great service on both claims and fast but just got non-renewal letter for “water damage & property loss! Thx safeco Great doin bizz with ya.

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  105. I am looking for an insurance company for homeowners insurance, getting quotes, looking at reviews, etc., I had received a quote from Safeco, but after reading these reviews I will continue looking elsewhere.

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  106. I can’t imagine a worse company. As mentioned prior, I was hit by a Safeco insured. It was finally settled yesterday FIVE YEARS after the fact with my having many residual symptoms from the injuries caused.In our screwed up state, Tennessee, you can’t even mention the insurance company much less tell how bad they have been. But they can level anything back at the plantiff, lies, etc. A terribly screwed up situation that the insurance industry has been able to buy with the legislators taking all they can get and we got quite an education of just how crooked it all is.
    Once again, DON’T BUY SAFECO!

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  107. Don’t get Safeco. Worst company if you are on a budget. I have had them for over 10 years and never once put a claim on them, but still they feel they have to raise my rates every few months. I’m done with them.

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  108. Heaven help you if you get hit by a driver insured by Safeco! After being ignored, shunted around, lied to, and subjected to abuse, name calling, and general nastiness, they will blame you for not “mitigating” their costs. They will bully you, and try to confuse and obfuscate any issue they can, and expect you to settle for any pittance they deem the lowest they can possibly offer, then deduct their costs from it.

    Reply
    • You hit the nail on the head – they try to take advantage of the consumer by using bullying tactics, not living up to their timelines and using unscrupulous adjusters at best.
      I have been trying to settle for over 9 months on an auto insurance accident and they have been an absolute nightmare to work with and do not stand behind their products.
      “Their” adjuster we are supposed to work with has not even seen the vehicle, cannot create a factual comp, has made us work around his schedule and recently gave me an ultimatum to accept or they would start from ground zero again – all without even communicating this to Safeco. Out of control at the least!

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  109. This is by far the WORST company I have EVER dealt with. They cancelled our policy over $13.33! We didn’t even find out til we got the letter from the DMV. Our renewal was up, why not add it to the next bill? Why not pick up the phone?
    The representative Suzette was RUDE, had NO communication skills- it was like she was reading from a script….

    Steer clear of this disaster of a company!

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  110. If you read a positive review for safeco, then my bet is they work for safeco. This is by far the worst ins. company for taking care of their clients. In life you get what you pay for, if you choose this company, and have a claim, good luck, you have been warned. They are horrible.

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  111. We paid our deductable 4 months ago and Safeco didn’t try very hard to help with our case, we still have not got the money back and they are so unprofessional when handling our case. Decided to change insurance companies Right Away!

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  112. As like many others it has been over 6 months ,and I still have not been completely reimbursed for a totaled trailer and truck repair that a SAFECO insured driver caused. I suggest you seek insurance from another company since they will do nothing but give you a run around, pass you from claims adjuster to adjuster, and screw you every which way they can. If you do have to deal with them, get an attorney right a way.

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  113. VERY UNHAPPY – Ok now i am just ticked off, my car insurance went up 400.00 plus with Safeco, No accidents or tickets – Hello- my car is getting older! My house Ins. went up 300.00 a year – REALLY PPL. Gov. is taking more our for taxes on Payroll and hey i don’t recall getting a cost of living RAISE. YOU ALL BETTER CK YOURS.

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  114. I have been with Safeco Insurance for a couple of years. They keep raising my auto insurance – this pissed me off. My husband and I have good driving records. Safeco said I should bundle my homeowners and insurance policies for lower rates. We did this only for Safeco to cancel our homeowners insurance a less than a month later. I had explained to the agent what all we were doing to our home and was told that would be fine that they would insure us. Instead Safeco screwed us. They should have sent a rep out first to look at our home before we canceled our homeowners insurance with the other company. Now we have to find another company who will insure us at a higher rate. Do not use Safeco. I wouldn’t recommend bundling auto and homeowners either. Right now, I’m looking for another insurance company for my autos just to get away from Safeco all together.

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  115. Safeco is a rip-off. I purchased my home and ended up having a leak uner my dishwasher (beneath my counters). Once i noticed the leak, i contacted Safeco; they informed me they will not cover a pre-existing leak. Hard to see being beneath the dishwasher and under cabinetry. I now have a 3k fix that they won’t cover. Safeco is the worst insurance company around, just horrible!

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  116. Safeco homeowners insurance is terrible! Be forewarned that judging from my experience, they will ignore you in your time of need and may get you sued. Here’s my story: On the evening of 12/11/2012, the bathtub in the condominium above my condo overflowed because the occupant began to fill the tub and then forgot about it or went to sleep for an hour. The tub has no overflow valve or drain, so that water cascaded over the top of the tub, on to the flood, and then flowed into MY unit through the ceiling. I had gone to bed early that evening but I awoke about 10:25-10:30 p.m. and walked towards the bathroom. As I passed the laundry area I slipped and fell on the wet floor. At first I thought my washer had overflowed, and then I opened the door to the bathroom and water rushed out and there were several inches of water on the floor. Although I was hurt from slipping and falling, I first notified my sleeping husband and then called the owner of the unit (an attorney named [Redacted]) to tell her that something catastrophic was happening. My husband went upstairs and began banging on the door of the unit to tell the renter that the water needed to be shut off. It appeared that the renter had fallen asleep or been distracted and that the water had been overflowing the bathtub for an hour. The next day, SAFECO, the insurance company for the owner of the unit was notified – repeatedly – that an emergency existed and that Servepro or some other company needed to be sent to my condo unit by Safeco to begin assessing the damage and making repairs. SAFECO COMPLETELY IGNORED ME UNTIL A REQUEST FOR ASSISTANCE WAS MADE TO THE CALIFORNIA INSURANCE COMMISSIONER.

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  117. Well it has been three months still have not paid any of my medical bills nor reimbursed me for any of my expenses. If you have to deal with this safeco HIRE A LAWYER!!!!! It has been only one sided communication always initiated by me.

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