Beacon Point Insurance Partner

Safeco Insurance

As a Safeco Insurance Agent, we know you have many choices for auto & home insurance. We’ll help you understand your insurance coverage and options. Call (816)254-6100 or click the button below for a Safeco Insurance proposal.

Safeco offers a wide variety of personal insurance products for you and your entire family, including auto, home, umbrella, watercraft and more. The Safeco Package – which bundles your auto and home coverage together – offers the best combination of savings, convenience, and coverage available.

Products Offered By Safeco Insurance

Safeco Home Insurance

Protect your home the way it protects you by choosing the property insurance coverage that meets your needs.

Safeco Auto Insurance

Get protection that can give you peace of mind when you’re on the road.

Depending on the coverage you select, Safeco auto policies can include:
  • Property damage liability
  • Bodily injury liability
  • Uninsured/underinsured motorist coverage
  • Collision coverage
  • Comprehensive coverage
  • Medical payments
  • Personal injury protection
  • Roadside assistance

Safeco Boat Insurance

With Safeco boat insurance, your watercraft will be protected when it’s afloat and when it’s out of the water.

Standard boat insurance from Safeco includes, up to your policy limits:
  • Agreed value for total losses. When you buy a policy, you and Safeco will agree on a value for your boat or other watercraft. This value is what Safeco will pay after a covered total loss or theft. That way, there is no complicated formula about the value of your boat at the time of loss.
  • Personal effects. Your property—such as fishing poles, safety equipment and water skis—is overed up to an agreed-upon amount with Safeco Insurance.
  • Physical damage. If your boat or watercraft, its motor or attached equipment are damaged by a covered loss, your policy may help with the necessary repairs or replacements.
  • Liability. If someone is injured on your boat, liability coverage may help pay the medical expenses that result.
  • The area around you. If your boat is damaged due to a covered peril within 75 miles of the U.S. coastline, it’s still protected by your policy.
  • Fuel spill and wreckage removal. Safeco policies include expenses related to cleaning up fuel spills and the removal of wreckage.

Safeco Motorcycle Insurance

Motorcycle insurance helps protect you and your bike. Learn more about motorcycle insurance and get a free quote today.

Safeco Recreational Vehicles Insurance

Safeco Classic Car Insurance

Safeco Landlord Insurance

Protect your property investment with insurance coverage designed for rental property owners.

Safeco Umbrella Insurance

This liability coverage may go above and beyond your car and home insurance policies to help protect you from unexpected events.

Safeco Condo Insurance

Your condo association may have insurance, but your individual unit has its own coverage needs. Condo insurance protects your personal property and liability.

Safeco Renters Insurance

Many renters believe that they will be protected by their landlords’ insurance policies, but this is not the case. Your landlord’s policy covers only the structure of the building, so if a tornado destroys your complex—and your belongings—you’ll have to foot the bill to repair or replace everything you had in your place. However, if you have Safeco renters insurance, you have protection, up to your policy limits, for:

  • Your belongings. If your possessions are stolen or damaged, your policy could cover repairs and replacements.
  • Additional living expenses. If your place is damaged by fire or another covered loss and you’re unable to live in it while repairs are being made, your Safeco policy may help cover expenses accrued in the meantime, including hotel and restaurant bills.
  • Liability. If someone is injured on your property, your Safeco Insurance coverage may help pay for the necessary medical costs that result.
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Safeco Jewelry Insurance

From jewelry to collectibles, you may have more valuables than you realize. And your home insurance policy may not provide the coverage you need.

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Safeco ATV Insurance

Safeco wants you to enjoy your ride without constantly fretting over your insurance. With Safeco, you can personalize your coverage to include:

  • Property damage and bodily injury liability. If you cause an accident that damages another person’s property or injures someone other than your passenger, these coverages—mandatory in most states—may help, according to your policy limits. Separate guest passenger liability also is generally required.
  • Uninsured/underinsured motorist. If you’re in a collision with a motorist who either doesn’t have insurance or doesn’t have enough, Safeco may help with expenses, up to your policy limits.
  • Safety apparel replacement. If your safety apparel is lost, stolen or damaged during an accident, this coverage may provide you with up to $1,000 per person to replace helmets, gloves, boots and jackets.
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Safeco Golfcart Insurance

Safeco Pet Insurance

Pet Insurance covers pet health for dogs and cats, including wellness, accidents, and more. Learn more about pet insurance and get a free quote today.

Safeco Home Warranty

Safeco Insurance FAQ

Safeco is owned by Liberty Mutual but they are separate companies with separate products pricing and distribution methods. Liberty Mutual personal lines policies are sold by exclusive agents who are not allowed to sell anything else but Liberty Mutual products, Safeco by independent agents who are advisors that represent more than one company and can provide you the best option available to you.

  • If you have very poor credit, GEICO could be a better option for you. On average, GEICO offers lower rates than Safeco for drivers with credit scores of less than 580.
  • Drivers with higher credit — should opt for Safeco, which typically provides a broader range of coverages needed by those with higher income levels. 
  • Safeco Insurance sells personal auto, homeowners and specialty insurance products. 
  • Safeco’s parent company, Liberty Mutual Group, is an insurance giant — the sixth-largest auto insurance seller.

Safeco now offers pet insuranceSafeco has partnered with Hartville Pet Insurance to offer a 12 month policy. Pet health insurance is available to all dog or cat owners – you do not have to be insured with Safeco to obtain a Hartville Pet Insurance Policy. … Multiple pets receive a 10% premium discount. Click Here for more information on Pet Insurance

Safeco Home Insurance At a Glance:

Safeco is backed by Liberty Mutual Insurance, which has received strong financial strength ratings from A.M. Best, Moody’s and S&P. … However, you can save more on Safeco coverage by bundling your policies, installing a home security system, or choosing a higher deductible.

Safeco Coverage Options and Discounts. Safeco offers its customers all of the standard car insurance coverage options, along with access to unique services, such as auto glass repair and replacement, a claims valet service, and the Safeco RightTrack program to help lower your car insurance rates for being a safe driver.

At no additional cost, customers who purchased Roadside Assistance can access their own emergency concierge if needed: Basic Roadside Assistance Services include:

  • Towing
    If you break down or can’t get started, we’ll send out a tow truck to get you to the nearest qualified service station. All you have to do is call.
  • Flat Tire
    We’ll help you change out your flat with your spare and get you back on your way. Just need air? No problem. We can do that, too.
  • Battery Service
    Sometimes we all need a little extra boost. If your battery isn’t up to the task, we’ll come give you a jump start.
  • Fuel and Fluids
    We’ll deliver essential fluids. Run out of gas? We’ll bring you some. Need radiator or brake fluid? We can bring that, too.
  • Lockout
    Did you lock your keys in the car? Maybe you just can’t find them. We’ll send out a locksmith to help you get back in your vehicle.

Selective Auto and Fire Insurance Company of America In 1953, “The General” created a subsidiary called Selective Auto and Fire Insurance Company of America, or SAFECO, as a strategy to compete against fast-growing national companies.

Safeco can offer gap insurance for around $10 per month for most drivers who qualify in states where this coverage is available.

New car replacement: If your car is totaled or stolen and is less than one year old, Safeco will pay to replace it with a comparable new car.

Safeco RV Insurance covers vehicles used for personal recreation only. 

Total Loss Settlement Options

If your RV is damaged, Safeco will repair it to pre-accident condition. However, if your RV is a total loss because it’s damaged beyond repair, or is stolen and not recovered, Safeco offers three settlement options:

  • Actual Cash Value
  • Agreed Value Coverage
  • Replacement Cost

Popular RV Coverage Options

  • Loss of Use
  • Personal Effects Replacement Cost Coverage
  • Vacation Liability
  • Mexico Physical Damage
  • Roadside Assistance
  • Emergency Assistance
  • Audio-Visual and Custom Equipment Protection

Other Optional Coverage Choices

  • Claims-Free Cash Back
  • Accident Forgiveness
  • Diminishing Deductible
  • New Vehicle Replacement
  • Loan or Lease Protection
  • Electronic Lock and Key Replacement
  • Pet Coverage
  • Worldwide Coverage for Physical Damage and Indirect Loss of Use for Rental Vehicles

Safeco is offering up to a 20% discount for vehicles with low annual mileage. This is a great program for customers with an extra car or truck, those who use public transportation, or who have a car that simply isn’t driven very often.

Rental cars are typically included as part of your auto insurance policy, however some restrictions may apply depending on your specific terms. In most states, you are responsible for the cost of fuel, loss-damage waivers, and fees for underage drivers.

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We are here to give you real insurance advice while doing everything we can to save you money.

By collaborating with our agents, on average, most if not all of our clients improve their insurance protection for the same or less money .

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