If you're considering purchasing homeowners insurance from Liberty Mutual/Safeco, I strongly recommend looking elsewhere. In my experience with one if there third-party claims representative, ALL-Cat my claim was denied at first without any inspection of the property. I was also informed in writing that I had made "threats" during prior communications, with the Adjuster something I completely dispute. After that allegation, all communication was restricted to email only, making it difficult to resolve the situation fairly. The overall process felt one-sided and unprofessional. read more

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. read more

My 85-year-old mother just got her policy for her Lexus and they were going to charge her 13,000 a year for her policy. She drives about twice a week to church into the grocery store and has a perfect record. When shopping around other companies were around the 900 dollar a year range! I was pretty livid and called the company to find out if there was a misprint or some thing wrong with this cost. To which they replied no we just periodically have to up our rates and this is the current policy we offer. I am livid. To say the least I canceled our insurance and went with one of the many $12,000 less insurance companies read more

Buyer beware!!!! I had Safeco for my home insurance. When a catastrophic failure of my shower in the master bath occurred, mind you water was literally pouring from the ceiling below the bathroom, so I called my insurance company. They approved verbally for a mitigation company to come out. The insurance company suddenly removed the adjuster from the claim. Installed a new one who was combative with my contractor. Then came two other adjusters. Safeco denied my claim and stalled for 3 months. They denied the claim for seepage and long term water damage. In their own denial letter they state they could not properly investigate. Yet they gave approval for the tear out. They continue to deny approval. I have affidavits from the restoration company, contractor and a plumber disputing their denial reason. Worst customer service ever!! Do not trust this company!!! read more

Slow to respond to anything, if being without the car for extra days and only communicating via unreturned or slow text messages, phone calls that are all AI, & bad phone prompts with inability to reach live responsive agents is for you, then use them! They need to do a lot better!! Don't bother with them as I am disappointed in their service and care for the customer. read more

Safco is the worst company ever Christopher Will is the worst adjuster he is not confident never use him please please please do not use him as an adjuster because he is very inexperienced Adjuster, he will never answer your phone or call you. I hope this reaches a lot of people. read more

Liberty Mutual/Safeco is the worst company in the world. They do everything--even the impossible--to avoid paying out your claims. You can spend 30 or 40 years paying premiums, but at the very first claim, they cancel your policy using invalid excuses. read more

They'll take your premiums, but won't cover your home. Extremely disappointed with Safeco. Dealing with Safeco after our kitchen leak has been a nightmare. We discovered an unknown water leak behind a wall in our kitchen that caused significant damage. We contacted Safeco immediately after the discovery. Despite being loyal customers, Safeco denied the claim, hiding behind the "14-Day gradual seepage" clause. How are you supposed to fix a "gradual" leak that is hidden behind a wall and a stove? Their "investigation" was a joke--the adjuster never came to our house to investigate and relied on second hand information for the claim. The claims representative we had to deal with, Marisa Massaro, admitted that we had no way of knowing about the leak. If you want an insurance company that actually protects your home during a disaster, look elsewhere. read more

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. read more

Horrid company. I had a sudden flow of water under all my flooring. Water seeped up through the planks in the floor over a couple hours. Because the pipe used in my house from 32 years ago is prone to cracks, and there had also been a slow leak, they denied my entire claim. I'm having to have the whole house repiped ($13,700), flooring replaced, and walls repaired (necessary to cut many holes to repipe.) I've been told Safeco is the WORST, and now I believe it! DO NOT USE THEM!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! read more

Zero communicatio. Had a problem with the check getting lost from escrow then Safeco cancelled my policy then sent me to collections very quick without trying to resolve the issue which would of been easy. You would think that an insurance company would want to keep their customers Not a company i would recommend read more

I signed up with them because Nationwide my insurance company for over 35 years had raised their rates on my cars and my cars are much older and I have a completely clean driving record with no accidents except being rear-ended by Pizza Hut driver . Safeco treated me like dirt when I had hail damage on my roof they sent an inspector who's famous for not approving people who was on my roof for about 3 and 1/2 to 4 minutes according to my camera . Everybody around me had hail damage and got a roof but I did not and recently Safeco said in a letter if you don't get a new roof in the next 2 months then we were not going to insure you anymore. What an absolute joke . Horrible service nobody cares about you as an individual and it is not agent driven . I had three companies say that everything was fine to insure me and I am with State Farm read more

If I I could give it a negative rating, I would. After being insured with them for 8 months, they canceled our policy because we didn't provide proof of low mileage, although they never requested it from us or our agent. What a scam! I'm sure their plan was if we filed a claim, they would have denied it based on that. Plus, both my agent and I called repeatedly to try and work this out. At first, they wouldn't even give us a reason. Finally, our agent was able to get that excuse out of them. We never filed any claims with them ever! Stay away from SafeCo. You'll be very disappointed. read more

They are ridiculous. Canceled a policy due to chipping paint on the trim lol and said the would not reinstate after repair. The repair was done in 24 hours read more

Recently dropped my home coverage with Safeco. The premium jumped by 40% from the previous year despite having no claims for the whole duration that I was with them. My insurance rep indicated that Safeco had also raised rates sharply for her other customers. I tried to see if bundling my auto and home insurance would make a difference. It did significantly cut the home rate, but the auto rate was not competitive enough, so I changed carriers. If you are considering Safeco for your insurance needs, I would recommend getting quotes from other carriers before making a decision on coverage. read more

Avoid Safeco Insurance (Liberty Mutual). After a severe hailstorm damaged our roof, gutters, and vents, Safeco denied our claim despite multiple independent experts confirming real hail damage. More than 20 neighbors had their roofs replaced by their insurers from the same storm. Safeco instead sent out multiple inspectors and an engineering firm with a reputation for siding with insurers to dismiss valid claims as "cosmetic." Homeowners deserve fair and honest treatment--not denial of legitimate storm damage. ________________________________________ read more

Shittiest insurance ever!!! Stay as far away from them as you can. I paid month premium $184, next day after I found better provider that offers me exactly the same coverage for $116, and I canceled safeco, what was my surprise when I saw amount due $72 more in my cabinet. So cancellation cost me $250 I asked for the detailed statement, breakdown from th but I did get nothing. Feels like a scam! Stay away!! It's the matter of principle I will share this everywhere I can read more

SAFECO is the company I had homeowner and automobile insurance with. A tornado came near our house and the wind ripped shingles and an electric attic fan from the roof. There was spotting on our ceilings in just about every room. I had a privacy fence blown down. With all of that damage, SAFECO wrote a check for approximately $4500. The roof cost me $15,000 to replace. SAFECO said it could be repaired but three different roofing companies said they would not guarantee their work if they repaired it because they said it would leak if it was not replaced. The fence was repaired after spending $5,000. The ceilings, I have yet to repair. That will cost too. Pool furniture was blown into the pool, which landed on our Polaris pool cleaner damaging it. That's going to be another $1,000 to replace. Take heed! SAFECO will not pay claims as they should. They will do everything they can so you get the least amount of money on a claim. They have the attitude, "Sue us! We don't care!" Of course filing a lawsuit would mean paying a retainer with the lawyer getting 50% of whatever you get, if you win. Steer clear of SAFECO and its parent company Liberty Mutual. They are no good. After my roof was replaced, I called another insurance company so I could switch. My new agent asked several questions, as they all ask, age of the home and so forth. He thought it was a really funny thing when he asked, "How old's the roof?" And I replied, "About 2 hours." read more

A bozo with safeco insurance hit me and filing a claim seems impossible. I tried online, it says to call. I tried calling, it hangs up.

I got rear ended by a drunk driver. Safeco (liberty mutual) made the claim experience as painful as possible throwing a wrench at every stage. I had to work against objectively lowball valuation of the totaled vehicle, adjuster going MIA for weeks before completing the claim, denying re-valuation of vehicle with public data for no reasons, and only offering rental car for 3 days leaving me without a car for a month. I have 850 credit score, zero accidents till this drunk guy rear ended me, and no record of any kind. I cancelled Safeco and will never consider them again. Avoid this company, they're a fraud. read more

I've been listening to my coworker try to get a simple question answered: How do I file a claim online once I'm logged in? She has called over a dozen times. She has spoken with 3-4 people. This has been going on for over an hour. Even when she doesn't get hung op on and manages to speak with a human, none of the people seem capable of even understanding the question. It is not a difficult question. We are claims professionals. We know all the tricks to contacting carriers. Safeco seems completely insulated from ever having to deliver service to anyone unless one of their employees randomly takes it upon themselves to, you know, do their job. So far in our experience, none have stepped up to the plate. read more

I cancelled my renters insurance on 10-17-25. I signed the documents and everything. Then on 10-20-25 they still charged me out of my account. They basically stole from me. They wouldn't refund to the card that they stole the money out of... instead they sent a check that takes 7-10 days to receive. Will never return to Safeco and liberty mutual again. Horrible customer service. read more

I switched to Safeco for car insurance because they offered me a better rate. It was not worth it. I was in a very minor fender bender where the other driver was 100% at fault and yet my insurance company Safeco is arguing with the repair shop on labor rates and denying a new bumper. When I reached out to Chris Young about his appraisal he completely ignored me. If this is how they treat customers for minor accidents I would not want to deal with them if I was in a serious accident. read more

My insurance period with Safeco expired an I purchased insurance from another carrier, but not so fast I can get out of the Safeco hold. They keep sending me ever increasing bills. The story lasts for almost three months and there's no end in sight, despite multiple calls and documents uploaded. read more

This insurance continues to raise my monthly premiums without cause. I could no longer afford this insurance company. I found a cheaper insurance with the same coverage. Safeco doesn't care about customers. read more

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!!! read more

DO NOT buy Safeco or Liberty Mutual Insurance. I was a public advocate for 25 years in complaint resolution for seniors in long term care dealing w/the worst of the worst profit-driven companies who were ok w/cheating the elderly. This company used every known dubious tactic to try to cheat me out of mere few hundred bucks on a collision claim. Failed to respond in writing, conducted shoddy investigation/estimate to force me to use their preferred shop under guise supplementals would cover omitted items, misrepresented facts as "findings" to try to intimidate me, spec'd wrong parts, etc. All that I had to discover on my own to avoid being ripped off even more. Save yourself the headache and avoid this provider. Oh and when I switched I saved over $300/year. read more

DO NOT WORK WITH THEM. I am currently dealing with a claim for a hit and run. I have been trying to work with them but they been caught lying and trying to no pay out. I've filed complaints with government agencies and about to file a lawsuit. read more

We filed a home insurance claim back in July due to storm damage, and they sent a local business to do an appraisal and quote the work being done. At that time, we felt confident that the job would be done well thanks to the sales rep that was at our home. We were promised everything we were concerned with would be handled. The local business they sent to us was completely disappointing, and SafeCo did nothing to help us. They were hardly responsive, did not alleviate any of our concerns, and we still don't have a few items from the claim done that we were promised. The SafeCo agent we were assigned was Paul Mathes. The local business they had do work showed up randomly and did not communicate with us at all. They left a mess of our yard and driveway, leaving nails and trash everywhere, left our gate open, and even broke our brand new fence gate with nothing done about that. The roof looked terrible when it was completed, did not look professional at all. Trying to get ahold of anyone to address our concerns has been the most difficult process ever. It is now 6+ months later, and we have not had some of the work done that was promised. We would not recommend SafeCoo to anyone looking for good quality insurance. read more

Don't use this insurance company!!!! they over charge my insurance for a year. saying my wife was at fualt for an accident. when I provided proof she was NOT at fault. they denied my request for reimbursement. read more

I would give zero stars if it was an option. We had Safeco homeowners insurance and were offered a discount if we switched our auto coverage to them. About a year into coverage, my wife backed into a tree limb on our property and broke a side window and dented a quarter-panel. The repair estimate Safeco gave initially was ridiculously low, but the body shop we took it to worked with them to cover the cost. So far, so good. Several months later, we got a termination letter from Safeco stating that due to this accident, we were deemed too high a risk for auto insurance. Our driving records are spotless with no tickets or accidents. We are in a very low risk age group and this is the only claim we ever made with them. This incident involved no other vehicles or drivers, no property damage, and fairly minor vehicle damage. They literally dropped us for backing into a tree limb at 3 mph. Of course after that, we dropped them for our homeowners insurance. They have gotten all of my money that they will ever get. Sure, they may offer cheaper rates than other insurers, but they will drop you like a hot potato if you have the nerve to file a claim. Better to pay a few bucks more and not have to deal with that nonsense. read more

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. read more

Very unhappy with Safeco, who has been insuring my home for the past 6 years. I received an email saying they were cancelling my insurance policy because of algae/mildew/moss/mold on the roof. They sent a report that had poor resolution aerial photos, showing one photo that looked fine and a second photo that had red streaks, without providing an explanation on why two photos taken on the same day would be contrasting. They requested that I have the building re-roofed! I had my maintenance man go up on the roof and take photos, and the roof was in great condition. Absolutely terrible service. read more

Over a three thousand dollar increase on my rates this year with zero claims! They were able to sneak in in for 5 months before I noticed. First place I called was $4200 less. That kind of increase should be illegal. Stay away from this company! read more

Here's a strong but fair negative review based on your experience: Terrible Experience with Safeco - Avoid at All Costs! If I could give zero stars, I would. I was in an accident where the at-fault driver had Safeco insurance, and dealing with them has been a complete nightmare. It took 8 months for them to finally total my car, and the payout was far below the actual value. On top of that, I had to pay out of pocket for parking fees at the body shop because they ignored me for 6 months--no calls, no responses, nothing. I had to hire a lawyer just to get them to do their job, and even then, they failed to pay taxes on my new car, leaving me with unexpected costs. This entire process has left me financially drained and beyond frustrated. Absolutely horrible customer service, zero accountability, and a complete disregard for policyholders and accident victims. Stay far away from Safeco if you want a company that actually supports you when you need it. read more

Hi. This is Louise Sullivan. I have Safeco (Liberty Mutual) Insurance through the Crest Insurance Agency in Tucson. Crest has been very helpful in setting up my insurance for me. I now have damage to my roof from hail and storm, and the Claims Adjuster William Parker stated it also had other circumstances associated with the roof. I was told by Mr Parker that the roof would be totally replaced in the amount of $xx. Instead, the settlement received was in the amount of $x; half the size of what was told to me. My happiness over Safeco is now very sad. I am assuming since Safeco Insurance is a very reputible company, and recommended to me by Crest, that this issue will be solved and resolved. I will recommend Safeco again at the time that this roof issue is resolved, and then move the star rating to five stars, when that time occurs. Bye for now! read more

Safeco - Liberty Mutual = Horrible, and that's being nice - We suffered a fire sprinkler pipe burst and it ran for days, ruined everything but 2 walls. 80% of the house was gutted and needed to be replaced. The adjuster described the replacement materials so poorly no one would believe they saw our home. It took well over a year to get to a number of about 60% of the Bid cost. They kept stating that their Estimate was all they could pay on and refused to recommend a contractor to do the work for the estimated price. They then cut off the Additional Living Expense 5 months prior to the work being completed as they felt this was what time it should have taken. Had they paid for the plans and permits required it could have been completed in that amount of time. But they took over a year to agree to pay prior to us being able to get these done for us. They reimbursed us for our additional electrical consumption, but took our owned solar system credits as there own by deducting these from the amount reimbursed. The horrific treatment and run around was one of the most emotionally damaging experiences I have had. We still have not been paid in full for all the costs to rebuild the damages back to the same they were. Safeco - if you can stay away run as fast as you can. Travelers, AAA and Allstate Insurance are great read more

We have been policy holders for homeowners, auto, and umbrella coverage for 21 years with Safeco/Liberty Mutual. We filed a claim after a small fire. Our belongings were loaded in a truck to be cleaned due to smoke. That was 45+ days ago. We cannot get an answer from Safeco/Liberty Mutual, either from our local agent or national office, so we can get our belongings back. This is how two 70 year olds are living now. Camping in our own home. This is not right. read more

See all

Safeco is trying to charge me for insurance on a home I haven't owned for 4 years and that sold a year ago. They want me to pay for the last year when the home was covered by another insurance co and owned by another person. In short, they just want me give them money for something they didn't really provide. Zero stars. read more

Warning To German Car Owners i.e. Mini Cooper/BMW Safeco is now owned by Liberty Mutual. I had a few 'dings', not dents, on my Mini Cooper that occurred by someone who parked next to me in my condo parking garage. For 11 years, I've been paying an extra monthly fee to ONLY have my car repaired with original Mini parts. I recently took it to 'Haury's' which is the only CERTIFIED Mini Cooper collision service in Seattle. Haury's refused to work with Safeco. Safeco thus required me to have my car reviewed by one of their Safeco collision centers so I did. The other collision repair center indicated they would have to drill holes in my fender whereas Haury's took off the fender and repaired it to it's original condition. I chose to have Haury's repair it and Safeco only paid me $1000 for a $3800 repair bill from Haury's. As a result, I found another insurance company that Haury's recommended i.e. 'Pemco' and dropped Safeco, who had handled both my condo and auto insurance for 33 years. A few days ago when I was at Seattle Mini, I warned other customers about using Safeco/Liberty Mutual insurance since the dealership had a sign in front of their building recommending 'Haury's'. read more