Safeco Insurance

FAQS ABOUT INSURANCE AND SAFECO COVERAGES

What types of coverage does Homeowners Insurance Include?

• Dwelling Coverage
  This coverage pays to repair or rebuild your home if it’s damaged or destroyed by a covered loss.
• Personal Liability Coverage
  This protects you if someone is injured or their property is damaged and you are at fault. Your personal liability coverage should be high enough to protect your assets in the event you are sued.
• Medical Coverage
  This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.
• Additional Living Expenses
  In the event you can’t live in your home because of a covered loss, this coverage will pay additional living expenses (typically for up to 24 months) while your home is being repaired or rebuilt.
• Personal Property Insurance
  This coverage helps replace your belongings if they are lost, stolen or destroyed as a result of a covered loss.
• Scheduled Personal Property Coverage
  If you have special possessions such as jewelry, art, antiques or collectibles, you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items.

What types of coverage does Auto Insurance include?

• Liability Coverage
  This coverage pays for damages to others if you are at fault in an accident.
• Permissive User Coverage
  This provides coverage when you lend your vehicle to other individuals and they cause an accident.
• Medical Coverage
  This provides coverage if you or your passengers are injured in an accident.
• Physical Damage Protection/Collision Coverage
  This coverage will pay for repairs to your car after an accident.
• Comprehensive Coverage
  This pays for damage done to your car if it were stolen or vandalized.
• Uninsured Motorist Coverage
  This pays for damages you incur from a driver without liability insurance.
• Underinsured Motorist Protection
  Pays for damages you are legally entitled to recover that exceed the at fault driver's insurance limits.
• Rental Car
  This covers the expenses of renting a car while yours is being repaired after a claim.
• Roadside Assistance
  This covers reasonable towing charges if your car is disabled.

What are some of the ways I save with Safeco Auto Insurance?

• Multiple Policies
  Adding a Safeco Homeowners Policy, Safeco Condo Policy or Safeco Renters Policy will save you 15%. Additional discounts will apply if you add more policies, like watercraft, motorcycle, or umbrella.
• Multiple Vehicles
  Insuring multiple qualifies you for the Multiple Vehicle Discount.
• Memberships
  Having memberships at credit unions or various associations adds discounts.
• No Bill
  Paying a policy in full or enrolling in automatic deductions from a credit card or checking account saves you the cost of billing fees.
• Be Safe
  Maintain a good driving record and drive a safe vehicle.  Your occupation may qualify you for substantial discounts. Call us at 800-808-2695 to see if you are eligible.

What are some of the ways I can save with Safeco Homeowners Insurance?

• Multiple Policies
  Adding a Safeco Auto Policy will save you 15%. Additional discounts will apply if you add more policies, like watercraft, motorcycle, or umbrella.
• Higher Deductibles
  By increasing your deductible, you can save on your homeowners insurance. Ask your agent about trade-offs.
• Safety
  Adding safety features like burglar alarms, fire alarms, sprinkler systems can add discounts to your policy.