Safeco InsuranceReviews of safeco.com

I wish I could give zero stars to Safeco Insurance. We moved to Texas three years ago and were referred to a local Safeco insurance agent through our realtor. Initially, we paid nearly $3,900 a year for home insurance in 2023. In 2024, Safeco jacked up our rate to $5,050, which somehow missed our notice. And now, starting 2025, with **no claims whatsoever**, they raised our homeowners insurance to over **$8,600**! We were absolutely shocked by this outrageous increase. I spent all day yesterday shopping for new insurance and shared our story with other agents, all of whom were equally appalled. Thankfully, we switched to Geico, which brought our homeowners insurance down to $3,570 per year—less than half of Safeco’s new rate! To top it off, they lowered our car insurance (also with Safeco) from $3,000 to just $1,400 annually. Safeco's pricing practices are simply unacceptable. If you’re considering them, **think twice**. There are far better options out there that won’t gouge you with massive, unexplained rate hikes.

They delayed and delayed making payment to a body shop for a repair that was minimal Making me wait 5 weeks to get my vehicle back. I informed them that I would be out of town on a certain day due to a medical condition and I could not cancel the appointment that took me months to get. As luck would have it, the vehicle was ready to be picked up on the day I had to leave town and coincidentally it was the last day that they would pay for the rental. And of course, it was a Friday. The body shop is closed over the weekend. Safeco refused to cover the cost of the rental for two more days. The delays were their fault and I am stunned at the lack of compassion this company has. They demanded they I pick the vehicle up or I would be charged for the rental. Furthermore they notified me in the middle of the day that the vehicle would be ready that day. I was already en route to my appointment. I’m going to cancel my auto and homeowners insurance first thing. This company is awful

Got in an accident. The worst part is that "someone" (ahem, the other party) conveniently hacked the Safeco website and back-end system by using the information they obtained at the scene when we publicly traded our insurance and driver's license. They then used my info to "create" a new account emailing himself a new log-in, logged into my account and took ALL of my data including my policy limits and then got an attorney and tried to SUE for more. It was difficult to get Safeco to admit that they allowed someone to bypass any security questions I had set up, and use just my policy # and other public info to obtain access to my account. To support THEMSELVES as a company, the DID use the "hacking" evidence to successfully only pay the other party $5k, which means they didn't get away with that much in "fraud" however, what completely sucks is that the didn't support ME, their client, and didn't want to fess up that they had been hacked. Finally, they canceled my homeowners policy without notifying me, and I only found out because I called about my auto accident only to be told that my auto policy would also not be renewed due to the fact that Liberty Mutual and SafeCo no longer want to operate in the state of California. Insurance fraud costs ALL of us more in premiums. They KNEW I was hacked and admitted that it was probably an insurance scam, and THEY PAID IT ANYWAY. Unreal.

We discovered a water leak on September 9, 2024, resulting in severe mold in our kitchen, bathroom, and laundry room. We have Extended Replacement Cost Coverage. Safeco sent 3 different people out to quote mold remediation. They did not remove the mold until November 11, 2024 because they didn't like any of the quotes from the people they sent out. My family had to breathe in black mold for 2 months. Everyone was sick in this timeframe with respiratory issues. Safeco would not pay for fans to dry anything out. We now have had the kitchen, bathroom, and laundry room ripped out from the mold remediation - meaning they are not useable. We are a family of 6 without laundry and kitchen facilities since November 11th. Safeco will not return our calls or emails to order the materials needed to repair and begin the restoration work. We are now headed into the holidays and have no way to cook. Several of the materials we need to restore the demo have lead times of 4+ months. They have provided zero guidance on what's reimbursable and what they are going to pay for. There is zero communication, despite my husband and I phoning and emailing every single day.

I got a notice letter of non-renewal from Safeco for my Safeco investment property insurance. I wanted to talk with Safeco to get more detailed photos of their claim. I called Safeco customer service and after 30 min of dialing through their phone system nearly trying every possible combination - I finally got a human! Who subsequently told me to contact my agent! Safeco's customer service number is completely useless. It is obvious they don't care about their customers and just waste your time. And by the looks of things, they set standards higher than what is industry norm. Their rates may be low but good luck if you have any claims or try to reach customer service ! ! !

Check your computer! My agent and I have called over 15x each, all because your company could not collaborate with Key Bank to get my home insurance payment that is taken out of our mortgage received by your billing dept. Not one person there in your customer service department took any accountabilty for ongoing comedy of errors and fixed the internal problem, instead you blame me. As if that wasn't enough, you are now threatening collections even though none of which happened with your account payable dept was our fault. You will see many more negative reviews from me, so get use to it!

Safeco canceled my nearly 80 year old mother’s policy after she paid her premiums on time for many years. They flew a drone over her house citing mold on her roof which has never been substantiated. They did not allow her any reasonable means for remediation over this alleged issue. Instead, they targeted my elderly mother for other supposed violations. This included making accusations that her jacuzzi was empty of water and falling apart. Not true! Safeco also said her deductible would jump from $500 to $7000 which is price gouging if these issues were “resolved.” How can my 80 year old mother afford this price increase? Please do not use Cynthia C. in Orange as an agent. She is condescending and will treat you like an infant

Poor customer service. I been a loyal customer for over 20 years. Not only did they raise my premiums almost 30% for no reason on my part they would not assist me in cancelling my policy as they kept stating only my agent could do it. I also explained to Safeco Insurance via telephone that my agent failed to process my insurance requests in a timely manner over the past year and I needed to do follow up. In addition, my agent has not returned my call as promised since August 5. I informed Safeco Insurance that my agent’s customer service has been poor lately and I do not believe my written request will be handled and processed. Still Safeco Insurance refused to assist me directly.