When an umbrella policy is adding protection to another insurance policy, like your auto insurance for example, your auto insurance is the underlying insurance policy. Any and all of your other policies being protected by umbrella insurance are considered underlying insurance policies.

C.L.U.E. (Comprehensive Loss Underwriting Exchange) is a claims history database that contains up to five years of personal auto or personal property claims history. It’s used by insurance companies, like us, to research the claims history of a property they’re considering underwriting or rating for an insurance policy. If you’re a prospective home [..]

Pays to repair or replace equipment that is not permanently attached to your boat or personal watercraft. This includes items like anchors, oars, life jackets, water skis and sports equipment but is different than personal effects like clothing, scuba gear and fishing equipment.

If you have a Safeco auto, classic car or RV policy with no at-fault collision or traffic violations in a set number of years, you may qualify for accident forgiveness. If you do have an accident while accident forgiveness is in effect, we’ll forgive you. Your accident won’t be used to recalculate how much you pay for your insurance. In other words [..]

Actual cash value is determined by calculating the cost of repairing or replacing damaged property, less depreciation and the effects of wear and tear over time. If an item is damaged beyond repair, actual cash value reflects the market value of the item before the damage took place, less depreciation and the effects of wear and tear over time.

Actual replacement cost is the amount of money it would cost to replace a damaged item with a new one at the time of the claim. Actual replacement cost does not factor in an item’s age and depreciation, or the effects of wear and tear over time.

Additional fishing equipment coverage is available in most states if you need more coverage than what is provided automatically for fishing equipment with personal effects coverage.

If you’re unable to live in your home while it’s being repaired or rebuilt after a covered loss, Safeco additional living expenses helps pay the cost of temporary housing and living expenses, for up to 24 months.

When you take out or renew your insurance policy, we agree on a value your boat, personal watercraft or classic car is worth. If we agree your boat is worth $10,000 and it is declared a total loss after an accident or theft, we’ll pay you $10,000. There’s no complicated formula involving the effects of age, wear and tear that will make a total loss [..]

Helps pay for bodily injury expenses, like hospital bills and medical care, that you may be held responsible to pay if you cause an accident that injures someone else.