Safety Insurance Car Insurance

Safety offers a variety of home insurance coverages and their independent agents will make sure there aren’t any gaps in your protection for your home and your possessions. 

Available coverages and discounts may vary by state, but will most likely include: 

• Typical home insurance coverage (HO3):
  • Damage: Your home and personal property are protected against fire, lightning, frozen pipes tornado, hail, and windstorms. Also covered are losses caused by vandalism, theft, riot and any flooding caused by indoor plumbing or air/heat conditioning systems.
  • Dwellings: In addition to your house (referred to as the “dwelling”), any structures on your property, such as the garage, are covered.
  • Contents: All contents, personal belongings, and electronics stored inside your home are covered. However, if your personal possessions include expensive jewelry or art, you might want to purchase additional floater coverage for those items if their replacement costs are higher than your coverage allows.
  • Liability: You are covered for bodily injury or property damage whether you are negligent or not. Other home insurance coverage characteristics include medical payments to others up to a specified amount. “Medical payments” is designed to cover small medical bills while protecting you and your insurance company from potential lawsuits.
  • Other structures: Other structures covered include fencing around your property and detached buildings such as a barn, shed, or pool house. Depending on your coverage, other structures might not be covered at 100 percent replacement value.
  • Uninhabitable: Should your home become uninhabitable and you are forced to live somewhere else during repairs, this situation is called “loss of use” and is included in most home insurance coverage. Limits for this expense depend on your policy.

Safety Insurance also offers enhanced homeowner coverage plans:

• Safety Select, Supreme, Supreme Plus and Complete
• Safety Condominium Unit-Owners Enhancement and Edge Enhancement

Safety offers personal excess liability coverage with limits of $1,000,000 to $5,000,000 over and above the limits of individual automobile, boat, and homeowners insurance policies. 

Safety will give their customers a five percent discount when you combine your umbrella policy with your auto or home insurance policy.

Safety offers business owner insurance policies that provide comprehensive, liability, and property coverage for many risks, such as business interruption from a covered loss. 

Equipment breakdown coverage is automatically included, as well as additional options for truly customizable coverage. 

Safety serves small- and medium-sized commercial accounts with a program that covers: 

• Apartments and residential condominiums
• Mercantile establishments, including restaurants 
• Offices, including office condominiums
• Processing and services businesses 
• Special trade contractors
• Wholesaling businesses

Employment Practices Liability Insurance (EPLI) covers companies against lawsuits filed by employees, former employees, and employment candidates. This kind of policy can only be purchased as an added coverage under a Business Owner Policy (BOP).

Safety offers property and liability coverage for non-owner occupied one or two-family residences in Massachusetts, New Hampshire, and Maine. 

When you combined dwelling fire insurance with your auto insurance policy, Safety will grant you a five percent discount. 

Safety’s commercial automobile insurance covers vehicles used for business purposes, including business-owned private passenger vehicles, trucks, tractors and trailers, and fleets of vehicles.

These policies provide coverage for bodily injury and property damage to others, no-fault personal injury coverage, and physical damage coverage for your vehicle(s) for collision or other perils. 

Safety Insurance offers a variety of commercial policy forms and limits of coverage that can be customized to offer more protection than a standard policy.