Safeco Insurance

Horrible, horrible, horrible company. If I could give zero stars, I would. They deserve less than zero stars. I had auto and home policies with them for years. After one car accident, they sent my daughter's car to a repair shop that kept it for four months, claiming to have repaired the issue but waiting on a different part that was wholly irrelevant to the accident. We said, "Give us the car, and you can call when the part arrives." We gave them our information and took the car home. It didn't even make it home because the entire wheel fell off on the way. We had to have it towed to a different garage. The mechanic said that only two lugs were on the tire when there were supposed to be five, based on the damage done to the rim. We called Safeco and told them what happened. They sent someone to take pictures of the damage at the new garage. The Safeco claims department said there was dirt inside the wheel well and claimed that my daughter went off-roading in the car after picking it up from the garage. It's a Subaru Forester. Who goes off-roading in a Subaru Forester? And when would she have the time to do so within eight miles from the garage that did the damage? They refused to repair the problem. It cost us $2,000 and some change out of pocket after the $200 deductible paid at the time of the initial claim. I tried contacting them after they refused the repair, and we were instantly sent to voicemail. No callback. No communication. Nothing. By the way, the original garage never did contact us about the "part" they were waiting for. This place will gladly take your money but will not do what you are paying them for. Legal thieves.

Tried to dump us during a drone flyover and pictures alleging water pooling on the roof. Took issue that "flat" section has a 10% slope. Filed a claim with California Insurance Commission and Safeco backed off last year. Now this year, they are saying they are leaving our area. 10 years with no claims and thrown to the curb. Not to mention 20% premium jumps each year.

I'm going to apologize for the long post first off. But if you're thinking about purchasing a policy from Legacy Insurance Group, you need to hear this.

We bought our home in July 2022, so we called Legacy to get a quote on a homeowner's policy. They sent someone out to look it over and then they let us know the price, coverage, and deductibles. So, on July 19, 2022, we paid our premium ($3,718.00). Everything was going fine until July 27, 2023, when we received our renewal ($5,085). I called, asked a few questions, and after asking around, everyone says inflation. So, I chalked it up to the fact that everything is getting more expensive. Onto the next year's renewal, no heads up, no warning, nothing – just the renewal in the mail: $8,892.00. I thought that it was insane doubled in 2 years. So, I called Brian Gregory at Legacy Insurance to talk about dropping premiums, raising deductibles, or what we could do to lower our premiums. He explained to me that our policy was grandfathered in and that we had a $1,000 roof deductible and better coverage on our outside structures. So, we stayed with it. Meanwhile, on April 2, 2025, we had a storm with a lot of wind and hail damage. After that, we fell into a long summer drought. I got busy with work and life, and it wasn't causing us any trouble because there was no rain; it was dry. I just wasn't thinking about it.

So, going into fall, it started to rain, and I noticed we had trouble, so we filed a claim on October 2, 2025. Meanwhile, on July 27, 2025, our premium came due: $12,555.00 and the deductible went from $1,000 to 1 percent of the home's dwelling, which is $7,023.00 for the deductible, after raising the premium $3,663.00 from the previous year. Mr. Brian Gregory had previously explained to me that couldn't happen because our policy was grandfathered over. Ok, now that we filed the claim onto November, I received an email from Casey Morgan at Safeco for a settlement about of $1,285.00 - the $1,000 deductible, which paid me $285.00 to repair my roof. Now keep in mind they have already sent a field adjuster out that has been in my attic with me, and seen where it has been leaking all over. So, at this point, the roofing contractor comes out looking to repair my roof. He tells us that the shingles on the roof are discontinued and cannot be matched up with anything. Casey Morgan insists that he repair it, and the contractor replies he cannot do so without being told what to use.

Numerous replies from Safeco to the contractor asking for estimates to repair the roof are sent. The contractor, Titan Roofing from Jonesboro, Arkansas as well, keeps replying there is nothing that matches it, so we can't give an estimate on a repair. So back and forth, the same replies from Mr. Morgan asking for repair quotes. The contractor orders an ITEL report, and it comes back negative; no matches were found. And Safeco is still yet requesting the same repair quote. So now, we have an ice and snowstorm coming late January early February. I call Brian Gregory with Legacy Insurance, and he gets everyone involved again; a lot of emails back and forth, still nothing happens.

Now we got snow and ice on the roof, which is not a big deal until it starts to melt, and now it's dripping in my attic from several different places, very slowly, just keeping the wood wet. And yes, of course, I took videos of it. Still haven't heard anything from anyone. Finally, it's March 8, 2026; keep in mind I filed the claim on October 2, 2025, and this is 5 months later in March of 2026. A new lady that I have never spoken with calls me and says we can't move forward with your claim; we must have another field inspection from the same inspector that did it before. So after I send a rather rude email asking for help understanding why we have done a field inspection and an ITEL report and chosen not to acknowledge either after 5 months of waiting, we have decided to do another field inspection. Not 3 minutes after I send the email, Casey Morgan is calling me. What a surprise! He says that there is another inspection scheduled for this Saturday. When I ask about the damage caused to the inside of my home due to the negligence of how they handled my claim, he replies that I should have bought an endorsement to cover that. I didn't know I had to. In the contract, it says "must return property to like kind and quality." And then I ask Mr. Morgan, would he live in a home for 5 months and pay the premium in a leaking home? He says no! So I ask, why do you expect me to? And he replied that I live in Arkansas, the laws are different here, and that he is doing the best that he can. At this time, I ended the call and called Mr. Brian Gregory, and for several repeat times, he said he would see what he could do. After I copied him in on the email that I sent, he has not replied.

This is just totally unacceptable to do business this way. These companies are such a disgrace to American business, and it seems to be just a scam. You must have insurance to finance a home and then pay the ridiculous policy prices just to be left with little to no coverage. It's really insane that these big companies get away with treating their customers this way.

I am not directing this solely at Legacy Insurance Group; I am including Liberty Mutual and Safeco. I'm sure there are some great people that work for these companies, but they do not come together to make a great company. If you read this and decide to purchase a policy from either of these companies, which I highly encourage you not to do, good luck.

Safeco canceled my home owners insurance over questions not asked by an employee. When I got a check in the mail saying my policy was canceled and a nightmare. They had no desire to do any rushing to fix of not having mortgage insurance on my home that is financed. I’m switching insurances for both home and auto and would not recommend this company to my worst enemy. I called Saturday and no one could fix the problem they said it would be days before I would know if they would fix the problem. My number was also released to spams when signing up for insurance with them. This business is a nightmare to deal with don’t do it!!!

The customer service representatives at this company have a terrible attitude. They don't listen to customers; they simply tell you that they will request whatever they want when they have time. They're very unaccommodating, and they don't answer when you call—only emails. I would never recommend them.

The beginning of November 2025...nasty storm.. a 6 inch diameter branch from a nearby tree fall, smash my gutter, punch a hole in the siding of my house, and finally come to rest after it destroyed my deck. Here it is, the end of January 2026, and I still have a hole in my wall. Oh, and my house has been for sale the whole time. You can just imagine how that's going.

DO NOT USE SAFECO/LIBERTY MUTUAL. I have filed a complaint with the NC Insurance Commissioner's office. Fighting with the adjuster this week over our claim. The car is a total loss, but they want to pay us below its value. If they increase their offer by $1200, I'll settle. The adjuster has also stated they will start deducting storage fees from our claim, which they can't do in NC. He also stated their value will not be negotiated.

The adjuster has been rude, condescending, and very unpleasant. They only want comparisons within a 100-mile radius and must include VINs. Apparently, a comparison with a picture, year, make, and model isn't enough, and the adjuster told me he was not going to call all those dealerships and that the burden of proof was on me. I have sent them over 35 within a 500-mile radius and still won't negotiate with me. Today, I resent those comparisons with the VINs. I'm sure that won't be acceptable either; he will find another excuse. As soon as possible, I will be changing my auto, home, and renter's insurance policies to another company. They are horrible—I wish I had seen the reviews before we approved our insurance agent to go with them.

REVIEWS: Common Customer Complaints
• Denied or Underpaid Claims: Many reviewers report that Safeco denies legitimate claims or offers significantly less money than the actual repair costs. Specific issues include denying water damage claims as "long-term seepage" and lowballing estimates for vehicle repairs.
• Poor Customer Service & Communication: Customers frequently mention difficulty reaching agents, long hold times, and unhelpful or rude staff. A lack of communication during the claims process is a recurring theme.

Not a good company to be with. Zero customer service options available. For the few years I was with them, they increased my premiums by 20% every year, hoping that I would continue giving them money for nothing. Avoid at all costs!

Worst! I wish I could rate it 0 stars. I regret ever spending my money here; they are never straightforward, they waste your time, and never help. On the phone, the customer service is terrible. Run away from this business; they are a big joke.

This is the worst company to do business with. I am not inclined to speak negatively about much, however, I had this insurance for over 30 years. After that extensive time, I had a claim, 3rd party negligence not disputed by the 3rd party. It was the worst experience I ever had. Absolutely the most dishonest dealings in every capacity. Some years later, my neighbor's tree fell on my roof after 3 years of conversations about them promising to take it down. It was so clearly on their property and Safeco told me to just file the claim through my insurance that they would handle it and subrogate the other party. They then refused to subrogate, claiming it would be too costly, and then tripled my rates. They are not friendly, I was never so shocked and disappointed. They are a Liberty Mutual company and that is clear. They have the insurance commission in their pocket and all the lawyers and loopholes in their favor. They don’t care about the customers. I feel sorry for the people who work for them. They are money-focused, elite with too much control in the market. Do your homework on these companies. They have a very low score for customer satisfaction: 1.8 out of five. If they have to pay out a claim, they will find a loophole to not do right by you! They did it to me twice. Buyer beware!

Safeco has zero respect for their customers, period. They've canceled two of my policies because they feel like it. That's after years of being a customer with zero claims. Good luck trying to talk with anyone at Safeco; you will simply be driven insane trying to reach someone. If I'd known they were this bad, I'd never have done business with them.

Do not use them. I am in a dispute with them in Colorado and about to file a lawsuit. They will engage in insurance fraud to avoid paying out.

When a loved one passes away, the worst customer service is demonstrated; there is no empathy, and they will drain the deceased's checking account through auto-pay. Close out the checking account ASAP if this happens. By law in California, I had to wait 40 days after my brother's passing. Still, Safeco/Liberty Mutual refuses to close his account. What? Is my brother driving his automobile in heaven?

I have been with Safeco for over 15 years. I thought my rate was getting really high. I went to Progressive with the same exact comparisons of coverages. I literally saved $1,499. I feel like Safeco has been overcharging me for the past several years. I am disgusted. I even talked with one of their representatives when I bought a new car, and they said that was the best they could do. Stay away from Safeco Insurance.