Safeco InsuranceReviews of safeco.com

10 year customer with Safeco ( Liberty Mutual) home & multiple auto policies. Combined cost of policies 5 years ago= $4,100. 2026 renewals= $9,388. Increase of 229%!! One minor roof leak called in 3 years ago, estimate of $2,000 & with $1,000 deductible, we chose not to make a claim & paid for it. We’re moving on.

My wife and I had a house fire that was devastating. I was concerned because of stories I'd heard about others having issues with their insurance claims. Our experience with Safeco was entirely positive. They assisted us from the day of the fire through till when we could return home. They walked us through entire process from the fire mitigation to the reconstruction and working with contractors. The agents were very friendly and supportive and did everything they could to assist within the bounds of what our policy allowed. And prior to the fire, never having really paid much attention to the policy (I am embarrassed to say) my wife and I were pleasantly surprised that it covered most every essential need associated with our loss. We recommend Safeco without reservation.

If I could rate their auto insurance claim department a -10 I would. We were rearended by a driver with Safeco/Liberty Mutual insurance. We filed a claim on 12/16/2025 at which time they assumed fault for the accident. After no less than 30 calls/emails and countless hours of unnecessary time spent, they did absolutely nothing and failed to follow through with the claims process, repairs, car rental, etc. etc. No matter who we spoke with when we could actually get past their bots and incompetent representatives we finally elevated it to a "manager" and the "Office of the President." Sadly they were just as if not more incompetent and inept, along with making numerous false claims. Just one example: Early in the process we were told to rent a car with Enterprise, only to find out they never sent the authorization to the rental car company. We were then told by their management 3 weeks later that we were not eligible for a car rental since "the car was not towed" from the accident. We have it on record, that the car was "unsafe to drive and would present a danger to ourselves and others." Bottom line, it's been 3 weeks and our car is still at the repair shop with no progress made whatsoever by Safeco/Liberty Mutual, while telling us it was fine to drive a mechanically unsafe vehicle. Unfortunately, this was just the tip of the iceburg! I would caution anyone to stay as far away from this company as possible!!

DO NOT USE SAFECO/LIBERTY MUTUAL I have filed a complaint with the NC Insurance Commissioner's office. Fighting with adjuster this week over our claim. Car total loss, but they want to pay us below value. If they come up another $1200, i'll settle. Adjuster has also stated that they will start deducting storage fees from our claim - can't do that in NC. He also stated their value will not be negotiated. The adjuster has been rude, condescending and very unpleasant. They only want comps within a 100 mile radius & must include vins. Apparently a comp with picture, year, make & model isn't enough and the adjuster told me he was not going to call all those dealerships and the burden of proof was on me. I have sent them over 35 within a 500 mile radius and still won't negotiate with me. Today I resent those comps with the VINS. I'm sure that won't be acceptable either, he will find another excuse. As soon as possible, will be changing my auto, home & a renter's ins policies to another company. THEY ARE HORRIBLE - I WISH I HAD SEEN THE REVIEWS BEFORE WE OK'D OUR INS AGENT TO GO WITH THEM. REVIEWS: Common Customer Complaints • Denied or Underpaid Claims: Many reviewers report that Safeco denies legitimate claims or offers significantly less money than the actual repair costs. Specific issues include denying water damage claims as "long-term seepage" and lowballing estimates for vehicle repairs. • Poor Customer Service & Communication: Customers frequently mention difficulty reaching agents, long hold times, and unhelpful or rude staff. A lack of communication during the claims process is a recurring theme.

This company is absolutely the worst insurance company I have ever used! We had a fire recently and thought since we were talked into paying more for replacement value when purchasing the policy, our contents would be covered for what it would cost to replace them. They absolutely mislead us because when we made our claim, they came back with just cash value which is all the items that we listed, minus depreciation, which will not cover the cost of replacement at all! Not sure what algorithm they use to come up with depreciation on everything across the board, but we turned in over $170,000 worth of contents and they want to pay us $42,000. After going back and forth over and over, what they tell you is if you go and purchase all the items that were lost and turn in the receipt, they will possibly give you more to help cover replacement cost. The problem is, we don't have $100,000 lying around to go out and repurchase all of this stuff - And that's what they know and count on. That's why they do it so that they don't have to pay you because they know most people don't have that kind of money laying around...isn't this the reason we have insurance? As far as I'm concerned they are a bunch of manipulative, lying, dishonest group of human beings that should be locked up for taking money for premiums and then not wanting to honor what they represented. They should be ashamed of how they mislead people by taking their money, telling them they are covered by paying more for replacement value, and then turning their backs on them when they have some sort of a claim. Poor, poor business model and I don't know how any of their agents sleep at night. My daughter-in-law and my other son's girlfriend are both influencers on social media and have over 1.5 million followers between the two of them. We are disputing their offer to us and if we get shut down, I'm going to make it my life's mission to do everything I can to get the word out of how deceptive and horrible this company is. I'll do everything I can to make sure the world knows what a bunch of scam artists they are!

Immediately after my recent accident I made a claim with Safeco. They stated I had to pay for my own rental car.I contacted our insurance broker who verified that we did indeed have $1000 coverage towards a car rental. This was just the beginning of mishandling of our claim including deception, fraud and incompetence . The official police report of my accident clearly stated that the other party was at fault. Safeco said the opposite! They did not even ask or read the police report when investigating my accident. There are other negative aspects that occurred with this claim. It is not worth the effort expounding on them here. Everyone else has had similar devastating experiences. We have asked our broker to find another insurance company . Are they all this dreadful? Thanks for your attention...

am sharing my experience to warn others who may be considering insurance through Safeco Insurance. My vehicle sustained suspension damage and was taken to BMW for inspection and repair. BMW’s service technician, service manager, and service director all confirmed that key suspension components were damaged and required replacement. They also explained that an alignment cannot be performed when suspension parts are damaged and that the type of damage present was not consistent with normal wear and tear. Safeco’s adjuster, however, reported that the damages are from wear and tear and that only an alignment was needed. This directly contradicted BMW’s findings. When I disputed this, Safeco asked for BMW’s expert opinion regarding the cause of damage. BMW provided that expert statement, clearly stating the damage was not wear and tear. After providing exactly what Safeco requested, communication stalled. My vehicle sat at BMW for nearly a month waiting for a claim decision, with little to no response from Safeco. When a supervisor went on vacation, the claim effectively stopped moving altogether. Safeco ultimately denied coverage, relying solely on its own vendor’s opinion while disregarding multiple qualified BMW professionals and manufacturer repair standards. They later claimed additional evidence was required, even though it was never requested initially. This felt like shifting the goalposts rather than conducting a fair investigation. As a paying policyholder, I expected timely communication, transparency, and a good-faith evaluation of all evidence. Instead, I experienced delays, poor communication, and what felt like a predetermined outcome designed to avoid paying a legitimate claim. Based on my experience, I do not trust Safeco to handle claims fairly. I strongly encourage anyone considering Safeco to research claims-handling reviews carefully and understand what may happen when you actually need to use your coverage.

worse insurance. rude customer support useless. i would give this zero star