Safeco Insurance Company has been protecting families since 1923 and will continue to be there into the future.  Safeco is backed by the financial strength of Liberty Mutual insurance, who is ranked on the Fortune 100 list of the largest U.S. corporations.

With a comprehensive range of insurance coverage and expert advice from your local independent agent, Midwest Insurance Brokerage Service Inc., Safeco makes it simple to protect what’s important to your clients.

Unlike many insurance companies, Safeco has the ability to write monoline policies for Home, Auto, Dwelling Fire, Motorcycle, Watercraft, and RV.

Safeco offers multiple coverage levels and options for home, auto, Watercraft, RV, Motorcycles and Pets!

Safeco Personal Auto Product

Safeco’s basic personal auto product includes added features as well as low cost endorsements with additional benefits.

Safeco’s Basic Auto plan includes:

  • Deductible waived if insured has a collision with an existing Safeco or Liberty Mutual Customer
  • Flexibility to choose between a 6 month or an annual auto policy.
  • Additional savings when combining home and auto

Endorsements that can be added to the Basic Auto coverage:

Optimum Package Plan

This is a top of the line endorsement for as little as $8 month that includes the following benefits:

  • Accident forgiveness threshold is only 3 years of accident and violation free driving with the Safeco Optimum Package Plus
  • Diminishing collision deductible that decreases $50 every 6 months until an at fault accident is surcharged (for a maximum of $500 or five years)
  • Increased personal property coverage up to $1,000 for items stolen from a vehicle
  • Electronic lock and key replacement that waives any applicable deductible.

Ridesharing coverage for Uber and Lyft drivers

Most of the coverage and options on the auto policy extend to the RideSharing coverage.  However, this endorsement covers for paying passengers who would not be covered under the personal auto coverage.

RightTrack Program monitoring

This is an automobile monitoring device that is installed in a car to monitor driving habits.

  •  Initial discount when enrolling at the time of purchasing a Safeco auto policy
  • After you unplug and return the device, enjoy additional savings of up to 30%

Safeco’s Homeowner Products

Homeowners can also feel secure insuring their home with Safeco Insurance.   One thing homeowners need to understand is how water damage is covered because this is one of the most common causes of loss.  Unlike other carriers, the Safeco Homeowners policy already covers some water backup scenarios.

Water backup, what is covered and what is not

Covered

Usually the homeowners policy covers damage from water that backs up through sewers as long as it originates on the premises.

Examples of some losses that are covered:

  • Toilet or shower drain gets clogged from an obstruction on the premises. It overflows, causing damage.
  • Tree root in the property’s yard blocks a drain and causes overflow.

Usually Declined

  • Off-premises backup – -Sewer line in the street backs up and causes an overflow through a drain in the household.
  • Escape or overflow from a sump pump – A sump pump gets overwhelmed and causes an overflow into a home’s basement.
  • Flooding -Water entering the home as a result of rising bodies of lakes, rivers, streams, and oceans.
  • Overflow originating off-premises -Sewer line breaks in the street and causes water to flow over the surface into the house.
  • Sub-surface water -Swimming pool or sprinkler system leaks underground and causes water to seep through the foundation.

Safeco Insurance – Optional Coverage that can be Added

Water Backup/Sump Pump endorsement:

Covers escape of water from a sump, sump pump, or drain on the residence premises.

Expands protection to cover loss caused by water that backs up from a sewer, drain, sump or any similar system on the residence premises designated to remove sub-surface water from the foundation area.

Examples:

  • Sewer line in the street backs up and causes an overflow through a drain in the household.
  • A sump pump gets overwhelmed and causes an overflow into a home’s basement.

Limits up to $50,000 are available in most states.

Two water back-up endorsement options with Safeco

  1. Building and contents (more inclusive)

Provides coverage for the building and all personal property normally covered by the homeowner’s contract.

or

  1. Building and specified contents (less inclusive)

Provides coverage for the building and only specified items such as washers and dryers, refrigeration units (not including contents), cooking ovens and ranges, dishwashers and built-ins like a furnace, carpet, air conditioners, etc. These items are generally most susceptible to water damage.

For further details regarding flood insurance or to purchase a flood insurance policy, please contact one of our flood insurance specialists at Midwest Brokerage.