Safeco customer disclaimer

Auto

Accident Forgiveness: Accident Forgiveness is subject to terms and conditions of Safeco's eligibility guidelines. No available in CA and may vary by state.

Accident-Free Discount: May be referred to as Claims-Free Discount. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

Claims Free Cash Back™:
  1. Safeco will review policies twice a year. In order to receive the reward, customers must have no AT-FAULT claims reported to the Safeco policy system in the prior six months. For the purposes of this review, we will not consider the following: claims for which you are not at fault, as determined by us; at-fault claims that fall under the current threshold for surcharging; and Comprehensive-only claims. Customers with a late payment that is outstanding on the day the policy is reviewed will not receive the reward.
  2. Cash back amount is calculated based on policy term written premium as measured at the time of the claims-free review.
  3. Available to 12-month Superior and Ultra Safeco auto policies. Not available in all states. Terms and conditions apply.

Free Windshield Repair: The property damage must be covered by your policy. Not available in all states.

ID Cards: Insurance ID cards are permitted in most states; however, some states do not permit the use of Mobile Insurance ID cards as proof of insurance.

Multi-Car Discount: Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

New Teen Discount: Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

New Vehicle Replacement: Optional endorsement. Applies to a covered total loss. Your car must be less than one year old, have fewer than 15,000 miles, and have had no previous owner. Does not apply to leased vehicles or motorcycles. Subject to applicable deductible. Availability may vary by state.

President's Guarantee: Damage caused by normal wear and tear or improper maintenance is not covered. We will repair or replace any defective work of the Guaranteed Repair Network facility. Safeco's Guaranteed Repair Network is not available in MA or RI. In these states we offer the Superior Service Program (SSP).

Rental Car Reimbursement: Rental Car Reimbursement is provided under the Loss of Use optional coverage. Elected rental car coverage daily limits will apply. Damage must be a covered loss. Payment will be limited to that period of time reasonably required to repair or replace the auto (or your policy limit, whichever comes first). May vary by state.

RightTrack® Discount (Safeco Mobile): The RightTrack® discount applies only to the base coverages on the participating vehicle, which may include Bodily Injury, Property Damage, Comprehensive, Collision, Personal Injury Protection (PIP) or Medical Payments, Uninsured Motorist, and Underinsured Motorist (subject to state availability), and excludes fixed expenses (where applicable). Initial discount may vary by state and is replaced with a final discount upon completion of a review period. Not available in all states. Coverage provided and underwritten by Safeco Insurance Company of America and/or its affiliates, 175 Berkeley Street, Boston, MA 02116. © 2024 Liberty Mutual Insurance

RightTrack® Discount (Safeco Plug In): The RightTrack® discount applies only to the base coverages on the participating vehicle, which may include Bodily Injury, Property Damage, Comprehensive, Collision, Personal Injury Protection (PIP) or Medical Payments, Uninsured Motorist, and Underinsured Motorist (subject to state availability), and excludes fixed expenses (where applicable). Initial discount may vary by state and is replaced with a final discount upon completion of a review period. Not available in all states. Coverage provided and underwritten by Safeco Insurance Company of America and/or its affiliates, 175 Berkeley Street, Boston, MA 02116. © 2024 Liberty Mutual Insurance

RightTrack® Program (Safeco Plug In & Mobile): Safeco: Not available in all states. Coverage provided and underwritten by Safeco Insurance Company of America and/or its affiliates, 175 Berkeley Street, Boston, MA 02116. © 2024 Liberty Mutual Insurance

Safeco Loyalty Program: The loyalty program is subject to state underwriting guidelines and policy terms. May not be available in all states and circumstances. Guaranteed renewal restrictions apply and rewards may not apply to all customers. Rewards are subject to change. Any lapse in Safeco auto coverage may reset the program level.

Safeco RealTime Review™: Not all claims are eligible for RealTime Review. Not all claims are eligible to receive their payment in one day. Other eligibility requirements apply.

Safe Driver Renewal Guarantee: Must be current on payments, in compliance with policy contract, information requests & UW guidelines. All policy operators cannot have any claims, violations or incidents. May not be available in all states. Subject to state underwriting rules.

Small Claim Forgiveness: Subject to terms and conditions of Safeco’s eligibility guidelines. Not available in CA and may vary by state. Limit to one claim under $750 per policy term.

Vehicle Safety Features Discounts: Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

Violation-Free Discount: Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

Diminishing Deductible: Diminishing Deductible available only with certain coverage endorsements when collision coverage applies to your policy. Limitations apply. Not available in all states.

Safeco Roadside Assistance:
  • For Essential/Enhanced/Superior: Optional coverage. Roadside Assistance package includes towing to a qualified facility or location within 15 miles, delivery of fuel or fluid (costs of these items not included), and changing of flat tires only with Safeco's insured's inflated spare. May vary by state.
  • For Ultra: Roadside Assistance package includes towing to a qualified facility or location within 15 miles, delivery of fuel or fluid (costs of these items not included), and changing of flat tires only with Safeco's insured's inflated spare. May vary by state.
  • For Premier: Roadside Assistance package includes towing to a qualified facility or location within 100 miles, delivery of fuel or fluid (costs of these items not included), and changing of flat tires only with Safeco's insured's inflated spare. May vary by state.

Property

New / Renovated Home Discount: Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

Personal Property Replacement Cost Coverage: Optional coverage. Subject to a deductible. May vary by state.

Preferred Contractor Network: Availability of Preferred Contractor Network may vary by state. :
The terms and conditions of your Safeco Homeowner Policy and any related endorsements will prevail in the settlement of your claim, and will be subject to a deductible amount, which will be paid by you. You are in no way obligated to use our Preferred Contractor Network. Additional payments may apply based on terms and conditions of your Safeco Homeowner Policy and any related endorsements.

Roofing replacement warranty: five (5) years, and one (1) year on roof repairs. All other repairs have a five (5) year workmanship warranty. The warranty is nontransferable and does not extend to upgrades, deviations, and/or additions that you may have elected to include in addition to the claim-related repairs. To ensure the quality, reliability, and integrity of the program, all claim-related repairs assessed by Safeco's Claims Representative must be completed by the assigned contractor only. Damage caused by normal wear and tear, improper maintenance, or unreasonable use is not covered. Not all services are available in all geographic locations. Warranties and deductibles may vary. For more information, contact your Claims Representative.

Protective Devices Discount: Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

Water Mitigation: Not all services are available in all geographic locations. You are in no way obligated to use our Water Mitigation Program Vendors.

Both

12-Month Rate Guarantee: 12 month policies may be standard in several states. Your rate is guaranteed for one full year from your effective date. Rate guarantee may not apply if there are customer-initiated changes that impact policy premium.

Safeco Package: Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.