Safety Home Insurance Review 2024: Is It Right for You? – NerdWallet

Boston-based Safety Insurance sells homeowners insurance in select parts of New England. It earned a NerdWallet rating of 4.5 stars out of 5 for overall performance, standing out for its ultra-low number of consumer complaints. Safety home insurance is worth considering if you live in New England and want to work with a local independent agent to find coverage.

Consumer complaints. Safety draws very few complaints to state regulators for a company of its size, indicating that most policyholders are satisfied with their coverage.

Optional coverage packages. Safety offers bundles of valuable add-ons such as guaranteed replacement cost coverage for your home and water backup coverage.

Availability. Safety serves only three states in New England. Homeowners elsewhere will need to find a different carrier.

Website. Although Safety’s site has some basic functions like online bill payments, it doesn’t allow you to get a quote or offer easily accessible information about the company’s policy options.

Safety sells homeowners insurance in Maine, Massachusetts and New Hampshire.

Besides these basics, you may also be able to add:

• Equipment breakdown coverage in case a major appliance or system fails. This could include things like HVAC systems, generators and kitchen appliances.

• Service line coverage, which can pay for damage to underground lines that connect your home to public utilities.

You can also bolster coverage with optional upgrade packages, including:

Safety Supreme Plus. This package comes with:

• Higher limits for jewelry and silverware.

• Water and sewer backup coverage in case a sump pump fails or a drain backs up into your home.

• Extra liability coverage. 

• Guaranteed replacement cost coverage, which will pay the full price to rebuild your home even if it’s above your policy limit.

• Broader coverage for your belongings.

• Personal injury coverage for things like slander and libel.

Safety Complete. Coverage for this package includes everything in the Supreme Plus package along with identity theft reimbursement, increased water backup and equipment breakdown limits, and coverage for business property on the premises.

The average cost of Safety homeowners insurance in New Hampshire is $815 per year, according to NerdWallet’s rate analysis. That’s slightly less than the state average of $865 per year.

In Massachusetts, Safety homeowners insurance costs an average of $1,185 per year, below the state average of $1,320 per year.

Rate data wasn’t available for Safety Insurance in Maine.

Depending on where you live, you may be able to save on your Safety homeowners insurance premium by:

• Bundling your policy with Safety auto insurance.

• Signing up to receive documents electronically.

• Not having any recent claims.

• Having a fire or burglar alarm in your home.

• Being a loyal Safety customer.

Safety had far fewer than the expected number of complaints to state regulators relative to its size for home insurance, according to three years’ worth of data from the National Association of Insurance Commissioners.

Website: You can’t get a quote or find many details about Safety’s homeowners insurance coverage on the company website. However, you can log in to your online account to pay bills, view your policy information and find agent contact details.

App: Safety’s app offers the same services as your consumer web portal, including bill payments, claim reporting and seeing agent information.

Claims: You can report a home insurance claim by contacting your agent or calling Safety directly at 800-951-2100. You can also file and track claims through your account on the website or in the app.

Customer service: For help, you can reach out to your local agent or call Safety at 800-951-2100.

Safety Insurance may be right for you if you’re a New Englander who wants to work with a local agent to find the best coverage. But it’s not the best option if you prefer to shop for insurance online.

Not ready to make a decision? You may be interested in these other homeowners insurance companies: