Anyone on here a Safeco insurance agent or claims adjuster? I’ve been told by my safeco agent that I can file the ATV that was stolen on my homeowners and they will give me the average of three comps for my area minus my deductible. I’m guessing I’d only get a couple thousand.
I asked if my insurance would go up and if so by how much. They said I’d have to file a claim to find out more info. I think that’s crap!
If anyone on here is an agent or adjuster can you answer my questions without having to file a claim?

send 3FFarms a pm or look up myers insurance in helena. here is an agent for them and a damn good one

Following.

I'm moving to a new house Friday and my agent has switched my insurance to SafeCo. Wondering how they are with claims.

We have Safeco and I noticed the check was cashed by Liberty Mutual. Luckily I have no experience with how they handle claims but kinda don’t like that I’m contributing to the proliferation of insulting trash I see if I watch any TV for more than a few minutes.

Call Brandon Mayer. He's good people and knows his stuff.

File and then switch if they go up.

Was it scheduled on your homeowners? That would determine what property coverage section would pay the claim (either under contents or on an inland marine form attached to your policy).

Was it stolen from your home? If it was not at your home there’s a chance you could have very limited coverage if filing under your contents coverage.

Lots of variables affect whether or not you would get paid on the claim.

Regardless it will show up on your loss history report as a claim being filed. Even if nothing is paid.

Your agent should be able to read your policy and interpret it to their understanding, however it’s ultimately up to the adjusters interpretation of the contract as to what or if the company will pay.

Safeco is a reputable company.

Also, no way to tell you how much your rates would go up for filing a claim.

Inurance is the biggest scam ever created. Glad I have Brandon to oversee my coverages.

This^^^

Most homeowners will not cover atv’s on the underlying policy coverages. The only exception is when some carriers allow them to be classified as servicing the property like a mower. The atv would have to be stolen from the property covered and your home deductible will apply.

As for insurance being a scam. Its only as good as your agent. Agents have no pull or say in claims anymore but they can dang sure make sure you have proper coverage. Yall just dont complain when the premium increases when you jump out of the plain vanilla box and put a policy with some meat on the bones in place.

SafeCo just got bought by Farmers in October. Not sure if that would hurt or not.

Thats not true. Safeco is owned by Liberty Mutual. Farmers/Foremost acquired Metlife property casualty

I had to call SafeCo 3 times in September and each time they made me call Farmers because they had just been bought.

You didn’t call Safeco then.

We had safeco for 15 years. Have always had great service. I would have them now but they wouldnt underwrite our strange temporary living conditions. My parents had safeco for 20+ years and all three of my independent agent friends have safeco. They arent the cheapest but the service and the adjusters they use are top notch.

Since they don't spend millions making endless stupid commercials they can offer better service.

Thanks for the kind words, guys.

Basscat, you can call me tomorrow and I’ll answer any question you might have to the best of my ability.

Safeco was not bought by Farmers/Foremost. MetLife was and the merger took place in Spring 2021.

Safeco is an absolute ease to work with, claims have been fantastic and one of their property adjusters live here in Helena. I have my personal home with them and highly recommend them.

Reassuring to hear this. I was with MetLife when Farmer's bought them and was not happy about it having dealt with Farmer's in the past on a couple of claims through business.

Thank you! I’m pretty busy with my son getting married tomorrow-Saturday. I’ll try to call you Tuesday.