Safety Homeowners Insurance Review 2024
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Safety Insurance
Coverage options
Discounts
NAIC complaints
Safety Insurance
Coverage options
Discounts
NAIC complaints
About Safety home insurance
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.
Where Safety home insurance stands out
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.
Where Safety home insurance falls short
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.
State availability
Safety sells homeowners insurance in Maine, Massachusetts and New Hampshire.
Safety home insurance coverage
You can customize your homeowners policy with numerous add-ons, but below are the types of coverage that generally come standard:
Dwelling. Pays to repair or rebuild the structure of your home.
Other structures. Covers damage to unattached structures such as sheds or fences.
Personal property. Pays to repair or replace personal belongings such as furniture or clothing.
Loss of use. Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.
Personal liability. Covers legal expenses and damages if you're responsible for injuries to other people or their property.
Medical payments. Covers injuries to guests in your home, regardless of fault.
For more details, see What Does Homeowners Insurance Cover?
Besides these basics, you may also be able to add:
Personal cyber insurance, which can help you recover lost data and restore compromised devices or networks.
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.
Ordinance or law coverage to bring your home in line with current building codes after a covered claim.
Service line coverage.
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.
Safety home insurance rates
The average cost of Safety homeowners insurance in New Hampshire is $1,065 per year, according to NerdWallet’s rate analysis. That’s slightly more than the state average of $1,000 per year.
In Massachusetts, Safety homeowners insurance costs an average of $1,525 per year, just below the state average of $1,545 per year.
Rate data wasn’t available for Safety Insurance in Maine.
Our sample rates are for 40-year-old homeowners with good credit, a $1,000 deductible, $300,000 in dwelling coverage and $300,000 in liability insurance. Your own rates will be different.
Discounts
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.
Buying a new home.
Not having any recent claims.
Having a fire or burglar alarm in your home.
Being a loyal Safety customer.
Consumer complaints
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.
» MORE: Safety auto insurance review
Consumer experience
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 home insurance: The bottom line
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.
Current Product
|  |  |
|---|---|---|
NerdWallet rating 4.5 /5 | NerdWallet rating 5.0 /5 | NerdWallet rating 4.5 /5 |
Complaints to NAIC Far fewer than expected | Complaints to NAIC Far fewer than expected | Complaints to NAIC Far fewer than expected |
Coverage About average | Coverage About average | Coverage About average |
Discounts Average set of discounts | Discounts Great set of discounts | Discounts Average set of discounts |
Bottom line Regional insurer that sells home insurance in three New England states. | Bottom line Well-established insurer known for great customer service. | Bottom line Best for homeowners looking for many ways to customize their policy. |
Other home insurance companies to consider
Not ready to make a decision? You may be interested in these other homeowners insurance companies:
Methodology
Homeowners insurance star ratings methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverage, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews.
Here’s how we weighted each category to come up with our list of the best home insurance companies:
Consumer complaints (30%).
Financial strength (30%).
Coverage (20%).
Consumer experience (10%).
Discounts (10%).
Read our full ratings methodology for home insurance.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Homeowners insurance rates methodology
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in every ZIP code across the U.S. All rates are rounded to the nearest $5.
Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:
$300,000 in dwelling coverage.
$30,000 in other structures coverage.
$150,000 in personal property coverage.
$60,000 in loss of use coverage.
$300,000 in liability coverage.
$1,000 in medical payments coverage.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
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