Safeco Insurance Reviews 86

I was in an accident with a Safeco customer a year ago. There customer hit me in a head on collision and I broke 5 bones. For that reason I was unable to work for 8 months. Now to show how shady of a company they are they are only try to settle with me for 20,000. They are just a terrible unethical company period. There customer was at fault and was actually given a citation for driving on the wrong side of the road. Terrible company

Absolute scam. Increased insurance premium over $600. Never filed a claim. Not another cent to these crooks

Buyer beware!!! I previously had auto insurance with Liberty Mutual, and my policy was later transferred to Safeco. Unfortunately, my experience went downhill from there. Changes were made to my account without my knowledge, and I had a very difficult time reaching a representative. When I did get through, customer service was unable or unwilling to clearly explain what was happening. I updated my policy to include another car and my policy increased by 200%, exceeding my monthly car payment by $200 a month.

When I decided to cancel my policy, I specifically asked for the final amount owed so I could settle the balance immediately. The representative could not provide the information and stated I would get a confirmation by email by the end of the day. I never received an email. Then, 30 days after canceling, I was notified that my remaining balance had already been sent to collections, without any prior clear communication or opportunity to resolve it.

To make matters worse, I received the collections notice on a Saturday by text, leaving me unable to address it until business hours resumed. Their online link leads to an error. This entire experience was frustrating and stressful. I would strongly recommend doing thorough research and choosing an insurance provider with transparent communication, due diligence, and reliable customer service.

I purchased an auto insurance policy on 1/15/26 and paid $90.27 (by ACH as insurance premiums are charged) at that time for the month. They told me the total yearly coverage was $1046 ($1046/12mo=$87.16 per month). I ended up canceling the policy on 2/13/26 due to finding cheaper insurance. On 3/16/26 I received a paper bill in the mail charging me $101.21. When I questioned the additional bill, they said I had not paid the monthly premium. They said that the original charge of $90.27 was the "sign on" fee and the $101.21 was the actual insurance coverage bill. What insurance charges at the end of the covered period? And why was I not told that the initial charge of $90.27 was a "sign on" fee? I very highly do NOT recommend this shady business.

Lo mas vasura de securos de casas quieren saver todo de tu vidad si haces un reclamó

I was with Safeco for 2 years. When their rates went way up, I switched insurance companies. Well, right at my 6 month payment with the new company, all of a sudden there's a collection notice and my credit rating dropped 60 pts (causing my renewal with the new company to go up $150 for the next 6 mos). After investigation it was Safeco who turned me over to collections for non-pymt of insurance premiums!! I never received anything from them via mail, email, text, etc that there was any balance due. Seems way too coincidental that this happened right at the 6 mos renewal with my new company. I was able to straighten it out (seems they didn't cancel my ins until 30 days after I verbally notified them) with Safeco, but not after spending 2-1/2 hours of my time and lots of frustration. I can say I'll never use Liberty Mutual/Safeco again and will make sure I tell everyone I know about my experience.

Safeco insurance is a joke. They make changes without your knowledge. I have had a 1k dollar deductible for years. Now that I make a claim for a leaking water heater. My deductible is 2.500 which i had no clue. I have paid over 3.000 out of pocket. If that's the case why do I need insurance if they don't cover anything and change your coverage without your knowledge or permission

I had been with Liberty Mutual for decades....and then they became Safeco. The beginning of the end. Costs went up and customer service went down.

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I just cancelled this insurance for motorcycle after 1 year. I noticed my premium jumped 25% without explanation and thought this was unreasonable for a seldom ridden older motorcycle that is not very expensive. When I went online to evaluate my policy I could not find a way to change the coverage so I had to call. When i called it took several minutes to get through automated voice menu to a person , Then I got transferred to 3 people. The last one was helping me make changes to my policy so I could evaluate new changes with a cheaper premium but then began to complain saying "other callers were waiting" !!!! wth!
He then said that most people don't want to try different scenarios to see how the price will change or compare with other rates, most people call just to say what changes to make. !
After that I told him I didn't appreciate that kind of non-help and attitude and cancelled it.
Got progressive insurance which was less and allowed me to do everything online.
Safeco is a CSR dumpster fire.
*****************AVOID*****************

Well let me start off by saying that I really hate that we dealt with this company with many years of paying them we had a water leak for only about 4-6 days we did a claim the had there people to come out to seethe issue and guess what they deny our claim with no hesitation the trying to tell us that’s the leak been happen how can you tell me about what happen and you don’t even stay here and yes we had to go with another company asap …I advise that’s anyone that’s have this insurance company to please remove your self because they ass is a big fat lying ass scammers the whole company is they very rude-disrespectful I hate we even messy with them runnnnnnnnnn people do not use safeco

Safeco canceled my home owners insurance over questions not asked by an employee. When I got a check in the mail saying my policy was canceled and a nightmare. They had no desire to do any rushing to fix of not having mortgage insurance on my home that is financed. I’m switching insurances for both home and auto and would not recommend this company to my worst enemy. I called Saturday and no one could fix the problem they said it would be days before I would know if they would fix the problem. My number was also released to spams when signing up for insurance with them. This business is a nightmare to deal with don’t do it!!!

We had a water leak that caused damage to our floors and subfloor. The repairs are 100% covered by our policy. Should be a four week fix, but due to our Liberty Mutual/Safeco Rep named Brenden Jones is unfamiliar with our policy, unresponsive and has tried to deny our claim at multiple points during this now EIGHT MONTH process. We have had to fight him and his team at every turn and remind them that we are covered. We are good paying, honest customers and they are doing everything in their power to slow it down and not finish the job. We have lost the ability to live there for EIGHT MONTHS. It's completely unacceptable and I am disgusted by the level of service (or really lack there of).

Every time we have a glass claim, we are told we need to download an app and take pictures of a chip in the windshield! Until I do this, I am told I cannot set a scheduled time to get the damage repaired! Of course, now the starburst in the windshield has the potential to turn into a crack that requires the windshield to be replaced. Meanwhile, I don't receive the required "text," and I am told to call 800-561-0198 to have it resent, only to discover they are closed in the afternoon!

Safeco's process and communication for getting a simple glass claim and repair completed are appalling and pathetic! It would seem that after using Safeco for over 30 years and paying them over $5400 a year for insurance, they would provide better service. As their service continues to decline, it appears we need to find another insurance company. Obviously, we do not matter to this company, and after getting the runaround from their phone representatives, they have no interest in us as customers.

Had homeowners and auto insurance with Liberty Mutual for 25 years. Liberty Mutual spun off their auto insurance to Safeco. The problems began immediately. I stopped receiving bills and began receiving only past due notices. I spoke to representatives attempting to correct this with no results. I paid the past due notices but they said they didn't receive them even though the bank showed that the payments were cashed. After several months I received notice that they had cancelled my policy. I called and the rude customer service supervisor said that I had signed up for paperless billing which I had not. I switched to another company and will not do business with Liberty Mutual going forward as a result of this bad experience.

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...