Safety Insurance

Safety Insurance Logo
Financial Strength
Claims
Premiums
Customer Support
Average

This company, Safety Insurance covers the market of Massachusetts, New Hampshire, and Maine. Safety Insurance has a great line of products including Auto Insurance, Homeowners Insurance, Dwelling Fire Insurance, Commercial Auto Insurance, Business Owners Insurance, Personal Umbrella Insurance etc. With its skill and team, Safety Insurance has captured a vast portion of Auto Insurance in Massachusetts.

Safety Insurance was founded in 1979, and now they are one of the biggest insurance providers in Massachusetts. With the passing years, Safety Insurance has improved its products and expanded its locations. Now, Safety provides insurances to the states of Massachusetts, New Hampshire, and Maine. Safety Insurance doesn't provide online quotations. To get a quotation from Safety, you need to contact them at the numbers provided on their website or the number mentioned above. However, they do provide an account for their policyholders on their website to track information.

Products

Auto Insurance-

The Auto Insurance policy provided by Safety Insurance provides coverage for bodily injuries and property damage to others. Along with this, it covers the injury of your personal occupants. It also covers the physical damage of your vehicle on collision like any other insurance company. But, Safety Insurance has really great policies or coverage for Auto Insurance. The basic coverage for Auto Insurance is Safety Shield.

Safety Shield covers the following:

  • Disappearing Collision Deductible
  • Rental Vehicle Loss of Income Coverage
  • Guaranteed Replacement Cost
  • Personal Effects
  • Emergency Road Travel Expenses
  • Supplemental Towing and Labor
  • Airbag mechanical failure
  • Extended Substitute Transportation (vehicle rental)

Except for this, Safety Insurance has an advanced policy for Auto Insurance. It is called Safety Shield Plus. It has the features of Safety Shield and except for that, it has the following features:

  • Accident Forgiveness
  • Expanded Personal Effects Coverage
  • Pet Coverage
  • Seat Belt Coverage
  • Bail Bonds

Along with this, Safety Insurance provides Auto Loans, Rewards for Safe Driving, Multi-Policy Discounts, Student Discounts, e-customer discount, loyalty discounts etc.

All these discounts are available at certain criteria. While buying an insurance, contact your agent for the same.

Homeowners Insurance-

Safety Insurance provides a variety of policies for homeowners insurance. These policies cover losses to your home along with its contents and many other liabilities. The discounts offered by Safety Insurance for its Homeowners insurance policy or HO-3 policies include discounts for being loss-free and a discount of 20% if you have your automobile insurance with Safety Insurance.

Except for this, the various liabilities covered by Safety Insurance in their Homeowners Insurance are as follows:

  • Damage
  • Dwellings
  • Contents
  • Liabilities
  • Other Structures
  • Unhabitable

Understand all the features or the details of the liabilities covered carefully before buying a homeowners insurance. Except for this, Safety Insurance has an enhanced coverage. The enhanced coverage includes features of the basic policy and except for that, it covers a variety of other perks.

Homeowners Insurance just like Automobile insurance has a variety of discounts which helps in bringing a competitive price to the market. Discounts such as:

  • Multi-policy discounts
  • E-customer discounts
  • Other discounts

Other Products

Other products by Safety Insurance include:

  • Dwelling Fire Insurance
  • Personal Umbrella Insurance
  • Commercial Auto Insurance
  • Business Owners Insurance
  • Commercial Package Policy
  • Commercial Umbrella

Although Safety Insurance has started dominating the market with its product line of Auto and Homeowners Insurance, it is surprising that they haven't introduced other major insurances like Life Insurance in their product line.

How to File A Claim?

A claim can be easily filed in Safety Insurance. One of the ways to file a claim is calling their agent on the toll-free line 1-800-951-2100. Another easy way to file a claim is, online claim reporting which is located in My Account section of the website. Most regional insurance companies don't have such features on their websites. Enabling features like this, help Safety proceed ahead of its competition. Filing a claim online through the customer portal is fairly easy and can be done at any time or place.

You can also contact your Agent to file a claim. The agent then would further escalate the matter to the company. Which would then, approve your claim. Safety Insurance offers VIP Claim Service. With this service, if you face problems in your car, be it an internal problem or external damage, you can deliver your car to the company. The company would then arrange a rental vehicle for you until your car is good as new. You can also get your car repaired at another mechanic store. And then file a claim for the expenses you incurred.

Consumer Complaints

The company, Safety Insurance has been rated A+ by BBB (Better Business Bureau). It has had 20 complaints in the past 3 years, all of them are now closed. 3 out of those 20 complaints were closed in the past 12 months. This is a good thing as it shows that the company is improving with time. The complaints they receive every year are reducing. Except for this, Safety Insurance received a composite score of 3.76 out of 5.

This shows that the company does tackle consumer complaints efficiently. You may have a problem with the company or with any product. But, just raise a ticket or contact their agent. They will help you with that.

Finance Rating

Serial No. Company Rating
1. Weiss Ratings B-
2. Fitch Ratings N/A
3. AM Best A
4. S & P Global N/A

Crux

Safety Insurance is a good choice for someone who is looking to buy both Home and Auto Insurance and lives in Maine, New Hampshire or Massachusetts. Although Safety Insurance isn't a national insurance company, it has great coverage packages which can be considered for a national insurance company. Along with this, it has good customer service looking at the number of complaints closed in the recent years. It has a fine Financial Strength as well which helps in the growth of this company. Safety Insurance along with improving its Homeowners Insurance and Auto Insurance can leap forward for other major products like Life Insurance or Health Insurance. This will help the company improve its further presence in the insurance market of the three states. 

So, how do you like this company? 

Have you ever bought an insurance from Safety Insurance before? 

How was your experience with the company? 

Let me know in the comments below!

And as always, Thanks for stopping by! 

3 thoughts on “Safety Insurance

  • January 19, 2018 at 9:08 am
    Permalink

    Safety Insurance, wasn’t a very good choice for us.. Shifted to a better one..

    Reply
  • January 19, 2018 at 12:17 pm
    Permalink

    Safety Insurance. is unheard of… This company should make a move to market its product better..

    Reply
  • January 20, 2018 at 7:30 pm
    Permalink

    Great Article! Haven’t tried the company myself! But, I will in the near future..

    Reply

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