Last Updated: 04/18/2025
Safety Insurance Homeowners Insurance
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in Homeowners Insurance from Safety Insurance
Last Updated: 04/18/2025
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Highlights
Financial Strength Rating
A(Verified 04/18/2025)
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Safety Insurance Homeowners Insurance Review
Safety Insurance Homeowners Insurance is an insurance carrier based in Boston, MA. The company was founded in 1979 and offers home insurance in 3 states in the USA.
Safety Insurance Homeowners Insurance FAQ
What is the financial strength rating of Safety Insurance Homeowners Insurance?
The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies. SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.
Safety Insurance Homeowners Insurance scores an A or excellent financial strength rating, which is SuperMoney's second highest available score.
What types of coverage does Safety Insurance Homeowners Insurance offer?
Home insurance includes a wide range of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. Safety Insurance Homeowners Insurance offers the following types of home insurance coverage:
Dwelling Coverage:
Also called "dwelling insurance." This is the part of your homeowner's insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home if it's damaged by a covered hazard.
Guest Medical Protection:
This helps visitors who are injured on your property. It can help cover the necessary medical expenses in an accident, regardless of who's at fault. Medical expenses covered usually include costs like ambulance rides, X-rays, surgical procedures, and hospital stays. Note that guest medical coverage doesn't apply to anyone who lives in the home or is listed on your policy.
Liability Coverage:
The personal liability coverage within your homeowner's policy offers coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.
Other Structures Coverage:
This covers structures on the residence premises separated from the dwelling by a clear space or connected to the dwelling by a fence, utility line, or related connection. Examples include a detached garage, tool shed, driveway, swimming pool, gazebo, or fence.
Personal Property Protection:
This insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them.
Reimbursed Living Expenses:
This coverage reimburses the insured for the cost of maintaining a comparable standard of living following a covered loss that exceeds the insured's normal expenses. For example, it could include an insured's motel bill while fire damage to the home is being repaired or replaced or until the insured moves to a permanent residence.
Safety Insurance Homeowners Insurance customers can also add the following riders or endorsements to their home insurance policies:
Earthquake Coverage:
This covers some of the losses and damage that earthquakes can cause to your home, belongings, and other buildings on your property.
Identity Theft Protection:
This rider protects homeowners in the event of identity fraud and pays for the cost of restoring their identity.
Personal Injury Liability Coverage:
This protects you against bodily injury and property damage for which you or the residents of your home are responsible.
Valuable Items:
Valuable personal property coverage protects items such as expensive collections, engagement rings, watches, and other jewelry from theft, loss, or damage.
How can you save money on a Safety Insurance Homeowners Insurance home insurance policy?
When you ask for a quote with Safety Insurance Homeowners Insurance, make sure you ask for all the discounts you qualify for. These are the property-specific discounts currently available.
- Alarm System
- Home Security or Protective Devices
- Recent Home Improvements / New Roof
- Home Monitoring System
- Smoke Detectors
Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with Safety Insurance Homeowners Insurance.
What additional benefits does Safety Insurance Homeowners Insurance offer?
Safety Insurance Homeowners Insurance offers the following benefits to its customers:
24/7 Phone Availability:
Customer service is staffed around the clock.
Local Agents:
Perfect for people who prefer the personal touch of a local insurance agent.
Digital Claims Reporting:
Never fax or mail a document again.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
8:15AM - 4:30PM
Tuesday
8:15AM - 4:30PM
Wednesday
8:15AM - 4:30PM
Thursday
8:15AM - 4:30PM
Friday
8:15AM - 4:30PM
Saturday
Closed
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Learn MoreSuperMoney Net Recommendation Score
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Safety Insurance Homeowners Insurance Community Reviews
Would you recommend Safety Insurance Homeowners Insurance to your friends?
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
If you are going to make insurance on more than one car, it is I would say the best option as it has a special offer in that case. And also some other fair offers. I'm pretty sure that the only con is that it is only available in 3 states. Luck for you if you are in one of them.
Omar N.
Jul 1, 2022
May or may not recommend
If you are going to make insurance on more than one car, it is I would say the best option as it has a special offer in that case. And also some other fair offers. I'm pretty sure that the only con is that it is only available in 3 states. Luck for you if you are in one of them.
Showing 2 of 2 reviews