The bottom line
Safety Insurance is a perfect choice for Maine, Massachusetts, and New Hampshire homeowners who are looking to save money on their home insurance without skimping on coverage.
Not only does Safety offer low home insurance rates that are 50% cheaper than the national average, but customers can save up to 20% by bundling their home and auto insurance policies and up to 35% by combining its security system and new home discount. Add to this its comprehensive coverage add-ons, high customer service score, and strong financial stability ratings, and Safety Insurance is a good option for many New England homeowners.
While Safety Insurance relies on independent agents for quotes, its website offers online tools for customers including policy alerts, a live-chat option, and easy bill pay. It also has a mobile app for paying bills, viewing insurance cards, and reporting and tracking claims, which will appeal to tech-minded policyholders.
Cheap rates are 50% below the national average
Excellent coverage add-ons, including water backup, service line, equipment breakdown, and ordinance or law
Received 90% fewer customer complaints than expected for a company of its size in 2021
Only available in Maine, Massachusetts, and New Hampshire
Doesn’t offer flood insurance — a valuable coverage for New England homeowners
Basic coverages offered
Safety Insurance home insurance policies include these six standard coverages to protect your home, belongings, and personal liability:
Dwelling coverage: Pays to repair or rebuild the structure of your home after a covered loss.
Other structures coverage: Pays to repair or rebuild other structures on your property not connected to your home, including detached garages, storage sheds, and fencing.
Personal property coverage: Pays to repair or replace your personal belongings after a covered loss, including furniture, clothing, tech gadgets, and other stuff you own.
Loss of use coverage: Pays for hotel stays, restaurant bills, pet boarding fees, and other temporary living expenses after a covered loss if you need to live elsewhere while your home is being rebuilt.
Personal liability coverage: Pays for legal and medical expenses if someone is injured or their belongings are damaged while at your home and you’re found legally responsible.
Medical payments coverage: Pays for small-dollar medical bills if someone is injured while at your home — regardless of who is at fault.
Additional coverages offered
You can add these additional coverages to your Safety Insurance homeowners insurance policy for even more protection:
Extended replacement cost for your home: Extends your dwelling coverage limit up to 50% in case rebuild costs exceed your policy limit after a covered loss.
Replacement cost for personal property: Pays to replace your personal belongings with new items, regardless of depreciation or wear and tear.
Blanket personal property: Increases coverage limits for everything in a category of items, like jewelry, firearms, or computers.
Water backup: Coverage if water backs up through your sewer or drains, or if your sump pump stops working.
Equipment breakdown: Pays to repair or replace AC units, water heaters, and other home systems that are damaged due to mechanical breakdown.
Service line: Pays to repair or replace underground pipes or wires on your property that are damaged due to a leak, break, tear, rupture, or collapse.
Ordinance or law: Pays the extra cost of getting your home up to code after a covered loss.
Business property: Offers coverage if your work laptop or other business property is damaged in a covered loss.
Personal injury liability: Expands liability coverage to include personal injury to others, such as slander, libel, wrongful eviction, or false arrest.
Identity theft: Offers everything from assistance with your credit reports to attorney fees resulting from identity fraud to help replacing personal identification documents destroyed in a natural disaster.
Cyber protection: Covers losses due to cyber attacks including compromised data and damage to software and operating systems.
Increased debris removal: Increases coverage limits to remove debris after a disaster.
Freezer contents: Covers spoiled food if your refrigerator or freezer stops working due to a power outage or breakdown.
Reimbursement for fire department charges: Reimburses you for out-of-pocket fees if the fire department is called to your home.
Lock and key replacement: Pays to replace your locks and keys.
Reward coverage: Offers a $500 reward to find the perpetrator if you’re the victim of an arson or burglary.
Personal umbrella insurance: Offers additional personal liability protection for expensive medical or legal bills you’re found legally responsible for.
Dwelling fire: Fire insurance for properties that aren’t your primary residence, like second homes, vacation homes, or rental properties.
Condo insurance: Purchased as a supplement to your condo association’s master policy, condo insurance covers your personal belongings, the interior structure of your condo unit, and personal liability.
Our price rating scale looks at home insurance rates for a policy with $300,000 in dwelling coverage, as well as the total number of discounts offered. Safety Insurance's average annual rate of $1,134 is 50% below the national average.
Our customer experience scale uses data from the National Association of Insurance Commissioners (NAIC) complaint index. Safety Insurance has a score of 0.9, which means it received 90% fewer complaints than expected for a company of its size in 2021. (The expected number would be 1.0.)
Our coverage options rating is based on both the number and quality of additional coverage and policy options offered by the company. Safety Insurance earns a near-perfect score thanks to its slew of valuable coverage add-ons, including extended replacement cost coverage for your home, water backup and equipment breakdown protection, replacement cost coverage for your personal belongings, and more.
Our financial strength rating is a weighted combination of three industry-leading metrics to measure a company’s financial health: AM Best, Standard & Poor’s, and Moody’s. Safety Insurance has an A rating from AM Best, but is not rated by Standard & Poor’s or Moody’s.
How much does Safety Insurance home insurance cost?
The average cost of home insurance with Safety Insurance is $1,134 per year for a policy with $300,000 in dwelling coverage. This is almost 50% cheaper than the national average of $1,754 per year.
Here’s the average yearly cost of Safety Insurance home insurance for five different levels of dwelling coverage:
Dwelling coverage limit
Average annual cost
Rates are based on our analysis of 2022 sample home insurance quotes from across the country provided by Quadrant Information Services. Actual rates will vary based on location, policy limits, coverages, claims history, and other factors.
What discounts does Safety Insurance offer?
You can save on the cost of Safety Insurance home insurance if you qualify for any of these discounts:
Multi-policy: If you bundle your home and auto insurance with Safety Insurance.
Paperless: If you sign up to receive your policy and documents electronically.
Newly acquired home: If you recently purchased your home.
Loss-free: If you go so many years without filing a claim.
Home alarm protection: If you have fire, smoke, burglar, or other home monitoring systems installed.
Customer loyalty: If you renew your policy with Safety Insurance each year.
Safety Insurance home insurance state availability
Safety Insurance offers home insurance policies in three states: Maine, Massachusetts, and New Hampshire.
What to expect with Safety Insurance
How to get a quote: You can get a Safety home insurance quote by contacting an agent via the Find an Agent tool on its website.
Customer service options: You can get in touch with a Safety Insurance customer service rep by calling 800-951-2100, logging in to your online account, or contacting your agent.
How to file a claim: You can file a Safety home insurance claim by contacting your agent or calling 800-951-2100 or 617-951-0600.
How to cancel your policy: You can cancel your Safety home insurance policy by calling your Safety Insurance agent (their contact info should be on your policy declarations page), by mail, or by visiting your local agent in person.
Safety Insurance vs. other home insurance companies
Compare Safety Insurance to other home insurance companies in the industry:
Frequently asked questions
What states does Safety Insurance do business in?
Safety Insurance offers home insurance policies in Massachusetts, Maine, and New Hampshire.
What coverage does Safety Insurance offer?
Safety Insurance offers home, auto, business, and commercial insurance.
When was Safety Insurance founded?
Safety Insurance was founded in 1979 as a part of the Safety Insurance Group.
Jessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.
After working in publishing and book publicity for many years, she transitioned to freelance writing full time.
Jennifer Gimbel is a senior managing editor and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.
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