Safeco Essential is their cheapest policy offering and is great for new homeowners who don’t have a lot of stuff and are simply looking for your basic coverages.
Safeco New Quality Plus is a step up from the base policy, offering the same base coverages, but offers higher sublimits on rare and expensive valuables. For example, you can be reimbursed up to $3,000 to replace damaged or stolen jewelry, up from the $500 sublimit in the standard policy.
Safeco Optimum has even higher sublimits, offering up to $5,000 in jewelry and other expensive valuables coverage. Optimum plans also offer to remove fallen trees from your property even if they don't hit a structure on your property, and higher coverage limits for your home.
Safeco Ultra offers an entire suite of personal property protection at high limits, including up to $10,000 in jewelry and silver coverage, unlimited coverage limits for rugs, and up to $2,000 in currency replacement if cash you have in your home is irreparably damaged or stolen.