Safeco provides automotive and home coverage policies, among other types of insurance. This guide discusses the primary elements of Safeco's liability coverage and medical payments; it also lists an array of add-on policies for both automotive and home insurance, including rental reimbursement, 24-hour roadside assistance, valuable articles coverage, and identity recovery coverage.
Safeco is part of Liberty Mutual Insurance, a Fortune 100 company. The company offers an array of insurance products, the most popular being its auto coverage and home coverage products. What makes Safeco policies different from most other insurance policies is that they're sold exclusively through independent agents. If you have a Safeco policy and cannot find the answers you are looking for, it's best to contact the agent who assisted you when you got the coverage.
This article sets out what's covered by Safeco's automobile and home insurance policies.
Safeco's standard auto coverage involves three parts.
Liability coverage. This section kicks in when the other person involved in a collision with your vehicle is injured and their property is damaged. Safeco covers most or all of the damages and expenses associated with liability. This includes legal costs, should you be sued for damages.
Medical payments. All accident-related medical expenses that fall within your policy limits are covered under this section. This section specifically covers anyone who was injured in an accident while in your vehicle, regardless of who is to blame.
Uninsured/underinsured motorists. If the accident was caused by someone else who has no insurance or minimal insurance, Safeco covers the damages associated with the collision.
Although the standard auto insurance has you covered for the most important considerations, you can add a few products which make life a lot easier if you have an accident:
There are three sections under a standard Safeco home insurance policy.
Personal property coverage. If your personal property (for example, furniture, jewelry, home appliances and similar items) is damaged or stolen and the event which caused the loss is a defined event, Safeco will replace or repair the items.
Personal liability coverage. if you accidentally injure someone on your property, or if they accidentally injure themselves on your property, Safeco covers the costs of paying a legal claim.
Dwelling. Your home itself is covered under this section. For example, if your roof is damaged by a hail storm, Safeco covers the repair costs.
These are only Safeco's standard options. Potential add-ons include:
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