Protect your most valuable asset with complete coverage, which should include:
Replacement cost building and contents coverage
Water backup coverage
Liability coverage
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It’s important to make sure your auto is properly covered, and you have the right coverage if you cause damage or injury to someone else.
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From the small retail storefront shop to the large contractor, we can provide business insurance to cover most risks.
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Clients with high value homes and autos usually need broadened coverage to cover custom built houses, expensive cars and high priced jewelry, but that does not mean the cost of insurance has to be outrageous. We have access to several high value insurance carriers to keep costs in check.
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Whatever the reason, we have a life product to meet your needs.
Learn moreWe are an independent insurance agency that has been serving the community for over 50 years (since 1958), providing protection for your home, auto, and business. As an independent agency, we have access to several insurance carriers - helping you find the best insurance at the best price.
As insurance professionals, we take the time to understand your unique family and/or business situations, and match the proper coverage to those needs.
Use the quote program below to get an instant quote with Safeco:
Save time by clicking the button below, leave us your name, address and date of birth and we will email you home and auto quotes with all of our carriers.
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A cracked windshield is covered under your comprehensive coverage which may have a deductible of $500 or $1,000. Most auto policies have a "No Deductible" glass option. For a little more money, ask about this option, it will save you from pulling money out of your pocket.
Guess who pays the difference when you total someone else’s $85,000 Mercedes and you only have $20,000 property damage coverage? You do. An insurance company will be all too happy to pay out $20,000, leaving you to cover the additional $65,000. Make sure your property damage coverage limit is high enough to cover the high value cars out on the road today.
The average car rental cost is $30 a day, and the average time a car is in the repair shop is 3 weeks. That’s $620 out of your pocket. Make sure you have rental coverage on your auto policy to avoid this expense.
Many insurance companies offer roadside assistance, which can be a life saver if you are stranded on the side of the road. For very little cost this coverage can be added to your policy.
Due to the increase in hail claims, some insurance companies are now covering damage to roofs on an actual cost value (cost less deprecation). Make sure your home policy covers your roof on a “Replacement Cost Basis” (full Coverage).
Flood insurance is NOT covered on your home policy, but water backup and sump pump failure coverage can be added to your home policy. This coverage can save you from paying thousands due to water backing up through drains or if your sump pump fails. Make sure you have enough coverage, clean up alone could be as high as $5,000.00.
Wind coverage deductible (which includes tornado damage) sometimes is written as a percentage. The percentage is based on the home’s insured value and may vary from 1 to 5%. A percentage deductible may be significantly higher than a flat deductible amount, which could be an added heartache after a devastating loss.
