How to Obtain a Safeco Quote for Landlord Insurance
As a landlord, the right policy protects more than walls and roofs—it safeguards rental income, liability exposure, and your long-term ROI. Safeco’s landlord (dwelling) policies can be tailored to single-family homes, duplexes, and small multi-unit properties with options for loss-of-rent, liability, and equipment breakdown. This guide walks you through the quote steps and shows where smart discounts can trim costs.
Before you start, gather property details (address, year built, construction type, updates to roof/plumbing/electrical, safety devices, occupancy) and your desired deductible. Having this handy speeds up quoting and helps you compare carriers on identical terms.
Steps to Get a Safeco Landlord Insurance Quote
- Visit the Safeco quotes page or contact a local agent.
- Enter property characteristics, liability limits, and deductible preferences.
- Add optional protections (loss of rents, ordinance or law, water backup) if needed.
- Review the quote, confirm replacement-cost assumptions, then compare with at least two alternatives.
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Bundle auto + landlord to unlock multi-policy savings.
Get Home/Landlord Insurance Quotes
Quotes for DP-type landlord policies with optional loss-of-rent coverage.
| Coverage | Typical Limit/Option | What It Does |
|---|---|---|
| Dwelling (Coverage A) | RCV based on rebuild cost | Repairs/rebuilds the structure after a covered loss. |
| Other Structures (B) | ~10% of A (modifiable) | Detached garages, fences, sheds on the rental premises. |
| Loss of Rents | 3–12 months (selectable) | Replaces rental income while the unit is uninhabitable after a covered claim. |
| Landlord Liability | $300k–$1M+ | Injuries or property damage claims against you as the owner. |
| Medical Payments | $1k–$5k | No-fault medical coverage for guests injured on site. |
| Water Backup | $5k–$25k | Backed-up drains/sump overflows (often excluded without this add-on). |
| Ordinance or Law | 10%–25% of A | Brings rebuilding up to current code after a covered loss. |
| Equipment Breakdown | $50k+ aggregate | Mechanical/electrical breakdown of systems like HVAC or boilers. |
When you compare, verify the dwelling replacement-cost estimator, deductible, and included endorsements so each quote is apples-to-apples. Discounts can apply for newer roofs, monitored alarms, or multi-policy bundles. New to bundling? See savings ideas for young professionals and adapt them to landlord scenarios.
After you receive your personalized quote, review exclusions and any vacancy clauses, confirm liability limits (consider an umbrella if needed), and ask about scheduling future renovations to keep coverage aligned with property upgrades.
Frequently Asked Questions
What does landlord insurance cover?
Typically: dwelling, other structures, liability, medical payments, and optional loss-of-rents; add-ons like water backup and equipment breakdown are common.
How can I lower my premium?
Raise deductibles prudently, add safety devices, verify roof updates, and bundle with auto. Telematics discounts may apply on the auto side.
Is landlord insurance mandatory?
Not by law, but lenders and HOAs often require it; protecting income and liability exposure is strongly recommended.
Can I get a quote online?
Yes—start online and finalize with an agent if you need tailored endorsements or multi-location schedules.