Get a FREE Flood Quote Now! Request an Earthquake Insurance Quote

Get to know your homeowners coverage options

With Safeco’s broad array of coverage options, your independent agent can tailor your policy to fit your needs, and your budget. Learn more about the unique home insurance coverages we offer below, then contact your local agent to discuss the right coverage for you.

Coverage Real-life scenario Standard Optional
Personal Property Coverage If your personal possessions—including furniture, clothing, and appliances—are damaged or stolen as a result of a covered loss, Safeco will arrange for them to be repaired or replaced. Yes
Personal Liability Coverage Safeco will defend you if someone makes a claim against you for accidentally causing an injury or damaging property — for example, if someone is hurt in your yard or you damage property at someone else’s home. Yes
Dwelling Your home will be protected against losses from events such as fire or lightning; weight of ice, snow, or sleet; windstorms; hail; theft or vandalism; and more. Yes
Valuable Articles Coverage Extra coverage for high-value items such as jewelry, art, collectibles, or camera equipment. Yes
Equipment Breakdown Coverage For just $2 a month, equipment breakdown coverage is a cost-effective way to keep critical household equipment up and running after mechanical or electrical breakdowns—which are often not covered under a standard homeowners policy.1 Yes
Guaranteed Repair Network This program connects you with prequalified experts to create estimates and perform repairs quickly, seamlessly, and with a guaranteed material and labor warranty backed by Safeco.2 Yes

We offer so many more coverage options at Safeco. View all of our coverages below, then connect with a licensed independent agent near you to determine the best coverage options for your home.

View all coverages

You could save money with Safeco’s home insurance discounts3

Safeco Package

Combine your auto policy and Safeco Homeowners Policy into a Safeco Package and save.

Protective devices

Save on your home insurance if you have a burglar alarm or sprinkler system.

More opportunities to save

If you have a newer home, enroll in an advanced quote, or sign up for an Umbrella insurance package, you may be eligible to save.

How your home deductible works

A home insurance deductible is what you pay out of pocket to repair your home if you have a claim. For example, if you have a $500 deductible and $2,000 in repair costs, you’ll pay $500 and Safeco will pay the remaining $1,500.

You have a choice of deductible amounts; choosing a higher deductible lowers your insurance rate but requires greater out-of-pocket expenses should you have an accident. Connect with an agent today to learn more.

Find an agent

Common homeowners insurance questions

Looking for answers? Browse the most frequently asked questions below, or contact an agent to discuss home and property insurance today.

Are you required to have homeowners insurance?

While not technically required by law, some version of homeowners insurance is almost always required by lenders. This makes sense because both you and your lender have a vested interest in protecting the property.

Regardless of your lender’s requirements, homeowners insurance is highly recommended to ensure your most important investment – your home – is covered in the event of damage, theft, or liability. Connect with a local agent today to learn more about your home insurance options.

Does home insurance cover damages caused by an earthquake or flood?

No. A standard homeowners policy does not generally cover damage caused by earthquake and floods. These sources of damage require additional coverage or a separate policy.

If you live in an area that is prone to these types of events, talk to your local Safeco agent about making sure you’re properly covered.

Flood insurance is available through the National Flood Insurance Program.

What is the difference between flood and water damage?

The damage can be similar but the cause is different.

Water damage is usually caused by water coming from something like a burst pipe, an overflowing toilet, a dishwasher that leaks all over the kitchen floor, or a roof that leaks after a hard rain.

Flood damage is caused by water coming from something like an overwhelmed levee that breaks, a clogged drainage system, a river or lake that overflows or even just the ground being inundated with too much water after a torrential storm. Water seeping into your basement after a heavy rain or winter runoff is usually also considered flood damage.


  1. Equipment Breakdown provides protection in the event of an unexpected mechanical or electrical breakdown not caused by normal wear and tear, or corrosion. Only available through a Safeco Home Policy. Not available in all states.
  2. The terms and conditions of your Safeco Homeowners Policy and any related endorsements will prevail in the settlement of your claim, and will be subject to a deductible amount, which will be paid by you. You are in no way obligated to use our Guaranteed Repair Network. Additional payments may apply based on terms and conditions of your Safeco Homeowners Policy and any related endorsements. Roofing replacement warranty: five (5) years on replacement and three (3) years on roof repairs. The guarantee is nontransferable and does not extend to upgrades, deviations, and/or additions that you may have elected to include in addition to the claim-related repairs. To ensure the quality, reliability, and integrity of the program, all claim-related repairs assessed by Safeco’s Claims Representative must be completed by the assigned contractor only. Damage caused by normal wear and tear, improper maintenance, or unreasonable use is not covered. Not all services available in all geographic locations. Warranties and deductibles may vary. For more information, contact your claims Claims Representative.
  3. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.
Selective Flood
United of Omaha
National Life Group
Mutual of Omaha
Liberty Mutual