How to Obtain a Safeco Quote for Landlord Insurance
Owning a rental property is a long-term investment. It also means protecting the building, your rental income, and your tenants. Safeco’s landlord (dwelling) insurance can cover structural damage, liability claims, and loss of rent when a covered event makes the unit unlivable. This guide explains how to request a quote, compare options, and apply savings.
Before you begin, collect basic property details. This includes the property address, year built, type of construction, roof age, and any updates to wiring, plumbing, or HVAC. Accurate information helps you receive faster quotes and compare companies on equal terms.
Steps to Get a Safeco Landlord Insurance Quote
Follow these steps to make the process easier:
- Go to the Safeco insurance quotes page or speak with a licensed Safeco agent.
- Enter property details, choose coverage limits, and select a deductible that fits your budget.
- Add optional coverage such as loss of rents, water backup, or equipment breakdown.
- Compare the Safeco quote with at least two other companies using the same limits and deductible.
Get Auto Insurance Quotes
If you also insure a personal vehicle, bundling landlord and auto policies may provide a multi-policy discount.
Bundling may reduce premiums by 10–18%.
Get Home / Landlord Insurance Quotes
Use the form below to compare dwelling and landlord policy structures, including loss-of-rent and equipment protection.
Compare landlord-ready policy options available in your state.
Safeco Landlord Coverage Overview
Begin with the main coverages. Dwelling (Coverage A) pays to repair or rebuild the structure after a covered loss. Liability coverage helps if someone is injured on the property or if their belongings are damaged. Loss of Rents can replace income while repairs are underway.
Adjust limits based on true rebuild cost and your property’s exposure. Rebuild cost depends on local labor and material prices, not real estate market value. Properties near coasts or in severe weather zones may require higher limits to avoid out-of-pocket gaps.
For a side-by-side comparison with another carrier, review The General landlord insurance quotes. Compare loss-of-rent duration, liability levels, and water-backup protection before you choose.
| Coverage | Typical Limit | What It Protects |
|---|---|---|
| Dwelling (A) | Replacement Cost | Repairs or rebuilds the structure. |
| Other Structures (B) | ~10% of A | Detached garage, fences, sheds. |
| Loss of Rents | 3–12 months | Replaces rental income during repairs. |
| Liability | $300k–$1M+ | Injury or property damage claims. |
| Medical Payments | $1k–$5k | Minor guest injuries. |
| Water Backup | $5k–$25k | Backed-up drains or sump failures. |
| Equipment Breakdown | ~$50k | Mechanical or electrical system failure. |
To explore additional savings and available credits, review Safeco discounts and eligibility.
New Features and Savings Tips
Safeco’s 2025 quoting system supports faster online estimates and document uploads. Smart-home devices such as leak sensors and monitored alarms can lower risk scores and may qualify for extra credits.
To reduce premiums, consider raising your deductible if it fits your budget. Match Coverage A to rebuild cost, not market value. For multi-unit properties, confirm how coverage applies to each unit.
Stackable savings include multi-policy bundles, protective devices, newer-roof credits, and paperless billing discounts.
Frequently Asked Questions
Quick answers to common questions:
What does landlord insurance cover?
Dwelling, liability, other structures, medical payments, and loss of rents, plus add-ons like water backup and equipment breakdown.
How can I lower my premium?
Bundle policies, add safety devices, choose a reasonable deductible, and confirm recent upgrades with your insurer.
Is landlord insurance required?
Not legally in most states, but lenders and HOAs often require it. It also protects your rental income.
Can I get a quote online?
Yes. Start online and finalize coverage with an agent if you manage multiple properties.