Safeco

A subsidiary of Liberty Mutual sold exclusively through independent agents. Safeco offers homeowners coverage with a focus on personalized service through the independent agency channel.

Headquarters

Boston, Massachusetts (parent company)

Claims phone

Check carrier website for current claims number

Website

www.safeco.com

Xactimate

Uses Xactimate for estimates

What Safeco is known for

Liberty Mutual subsidiary
Sold exclusively through independent agents
Good balance of coverage and pricing

Filing a claim with Safeco

Practical tips for restoration professionals working Safeco claims.

Safeco claims are handled through Liberty Mutual's claims infrastructure. Expect similar processes and timelines.

Independent agents can be valuable allies in the claims process. Keep them informed.

Safeco may use virtual inspections for initial assessments. Push for in-person if the damage warrants it.

Their supplement process mirrors Liberty Mutual's. Submit thorough documentation on the first attempt.

Working with Safeco in Xactimate

Safeco adjusters write their property damage estimates in Xactimate. When you receive their scope, you can import it into Xactimate and run a line-by-line comparison against your own estimate. Focus on missing line items, incorrect quantities, outdated pricing, and omitted code upgrades. If you start with a PDF estimate from Safeco, CapOut can convert it to an ESX file so you can load it directly into Xactimate for comparison.

Common deductible types

Flat dollarPercentage-based wind/hail

Frequently asked questions

Safeco is Liberty Mutual's independent agent brand. While Liberty Mutual sells directly and through captive agents, Safeco is exclusively available through independent insurance agents.

File online or contact your independent agent. You can find the current claims number at safeco.com. The claims process runs through Liberty Mutual's infrastructure.

Most Safeco homeowners policies cover wind and hail damage. Check the policy for cosmetic damage exclusions or separate wind/hail deductibles.

Convert your Safeco PDF to ESX

Upload a PDF estimate from Safeco. CapOut processes it and sends it directly to your Xactimate account.

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