What types of coverage does Homeowners Insurance Include?
Dwelling Coverage This coverage pays to
repair or rebuild your home if it’s damaged or destroyed by a
Personal Liability Coverage This protects
you if someone is injured or their property is damaged and you are
at fault. Your personal liability coverage should be high enough to
protect your assets in the event you are sued.
Medical Coverage This covers medical
expenses for guests if they are injured on your property, and in
certain cases covers people who are injured off of your property. It
does not cover health care costs for you or other members of your
Additional Living Expenses In the event you
can’t live in your home because of a covered loss, this coverage
will pay additional living expenses (typically for up to 24 months)
while your home is being repaired or rebuilt.
Personal Property Insurance This coverage
helps replace your belongings if they are lost, stolen or destroyed
as a result of a covered loss.
Scheduled Personal Property Coverage If you
have special possessions such as jewelry, art, antiques or
collectibles, you may want to talk to your agent about this
additional coverage. It provides broader coverage for specific
What types of coverage does Auto Insurance include?
Liability Coverage This coverage pays for
damages to others if you are at fault in an accident.
Permissive User Coverage This provides
coverage when you lend your vehicle to other individuals and they
cause an accident.
Medical Coverage This provides coverage if
you or your passengers are injured in an accident.
Physical Damage Protection/Collision Coverage
This coverage will pay for repairs to your car after an accident.
Comprehensive Coverage This pays for damage
done to your car if it were stolen or vandalized.
Uninsured Motorist Coverage This pays for
damages you incur from a driver without liability insurance.
Underinsured Motorist Protection Pays for
damages you are legally entitled to recover that exceed the at fault
driver's insurance limits.
Rental Car This covers the expenses of
renting a car while yours is being repaired after a claim.
Roadside Assistance This covers reasonable
towing charges if your car is disabled.
What are some of the ways I save with Safeco Auto Insurance?
Multiple Policies Adding a Safeco Homeowners
Policy, Safeco Condo Policy or Safeco Renters Policy will save you
15%. Additional discounts will apply if you add more policies, like
watercraft, motorcycle, or umbrella.
Multiple Vehicles Insuring multiple
qualifies you for the Multiple Vehicle Discount.
Memberships Having memberships at credit
unions or various associations adds discounts.
No Bill Paying a policy in full or enrolling
in automatic deductions from a credit card or checking account saves
you the cost of billing fees.
Be Safe Maintain a good driving record and
drive a safe vehicle. Your occupation may qualify you for
substantial discounts. Call us at 800-808-2695 to see if you are
What are some of the ways I can save with Safeco Homeowners
Multiple Policies Adding a Safeco Auto
Policy will save you 15%. Additional discounts will apply if you add
more policies, like watercraft, motorcycle, or umbrella.
Higher Deductibles By increasing your
deductible, you can save on your homeowners insurance. Ask your
agent about trade-offs.
Safety Adding safety features like burglar
alarms, fire alarms, sprinkler systems can add discounts to your