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Safety Insurance
4.5
Regional insurer that sells home insurance in three New England states.
Coverage options
About average
Discounts
Average set of discounts
NAIC complaints
Far fewer than expected
Safety Insurance
4.5
Regional insurer that sells home insurance in three New England states.
Coverage options
About average
Discounts
Average set of discounts
NAIC complaints
Far fewer than expected
About Safety home insurance
4.5
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
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.
How we rate homeowners insurance companies
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Where Safety 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 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:
Pays to repair or rebuild the structure of your home. |
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Covers damage to unattached structures such as sheds or fences. |
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Pays to repair or replace personal belongings such as furniture or clothing. |
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Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs. |
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Covers legal expenses and damages if you’re responsible for injuries to other people or their property. |
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Covers injuries to guests in your home, regardless of fault. |
Besides these basics, you may also be able to add:
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Equipment breakdown coverage in case a major appliance or system fails. This could include things like HVAC systems, generators and kitchen appliances.
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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:
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Higher limits for jewelry and silverware.
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Water and sewer backup coverage in case a sump pump fails or a drain backs up into your home.
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Extra liability coverage.
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Guaranteed replacement cost coverage, which will pay the full price to rebuild your home even if it’s above your policy limit.
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Broader coverage for your belongings.
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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 $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.
Discounts
Depending on where you live, you may be able to save on your Safety homeowners insurance premium by:
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Bundling your policy with Safety auto insurance.
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Signing up to receive documents electronically.
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Not having any recent claims.
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Having a fire or burglar alarm in your home.
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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.
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.
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.
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 options About average |
Coverage options About average |
Coverage options More than average |
Discounts Average set of discounts |
Discounts Average 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:
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How do I get Safety homeowners insurance?
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