For Underwriting, please call WIAA at 800-553-4221. For service on an existing account, call Safeco at 866-472-3326. For Claims, please call Safeco claims at 800-332-3226.

NOTE: Please do not call Safeco to issue a new policy or to rewrite a policy! When this happens, Safeco withholds commission until renewal so please be sure to contact WIAA for all new business.

Personal Lines


  • 50/100/25 minimum limits. 500/500 max.
  • CA Good Drivers Only (No DUI’s in past 10 years or SR-22’s in last 5 years)
  • Accurate annual mileage – Rate as commute for all employed insureds and students. Accept system generated mileage unless insured can provide proof of miles driven with 2 recent oil service receipts (Safeco conducts audits and will ask for verification if needed)
  • Exclusions – 5% or less, no spousal exclusions
  • Motorcycle – 50/100/25 minimum limits. Safeco’s hit ratio is 40% for Harley Davidson drivers with experience!
  • No Action on Pre-Bind Pause or Paper Application – DO NOT PURSUE


  • HO3: Up to $3M Coverage A. Homes above $1.5M must have central fire and burglar alarm
  • HO3 for Wildfire areas – Limited Liability Policy available up to $700K Cov A with accompanying CA Fair Plan policy (Safeco’s version of a Difference in Condition policy). Click here for requirements for Safeco DIC policy.
  • Renters: $25K minimum Cov C
  • Dwelling Fire – DP3 only! No DP1 or DP2. Up to  $1.5M Coverage A. Stand alone ok. Underwriting pre-approval required for Cov A of $1M+
  • Acceptable Named Insured Guidelines –  Named Insured must be individual’s name for most states! Click to learn more
  • No Action on Pre-Bind Pause – DO NOT PURSUE
  • Must include Full Value Contents Replacement
  • Extended Dwelling, Personal Offense, Water Back-Up, Special Personal Property strongly recommended


  • Must have auto insurance with Safeco (250/500/100 minimum underlying auto limits or 500/500/100 underlying motorcycle limits



  • Auto with Home: 22% account credit with supporting home, 15% with supporting Condo and 10% with supporting renters
  • Auto with DP3: 14% account credit applied with supporting Landlord Protection
  • Auto with Umbrella: 8% account credit applied with Umbrella policy
  • Distant Student Discount is 20% off Auto for youthful operator (under 25 years old) who is part of household but a resident student at an education institution over 100 miles from garaging address and the youthful operator does not have a car at school
  • Good Student Discount: Varies from 1-10% off depending on number of years of driving experience of student. Must be under 25 years old, grades from immediate preceding semester or quarter must show B average, 3.0 average, top 20% of his/her class, or dean’s honor list. Agent must have proof of eligibility.
  • Mature Driver Auto Discount: 5% discount for drivers age 55+. Must have completed a CA state approved mature driver improvement course and accident free within past 3 years.
  • CA Good Driver Discount: 20% discount for drivers who has been continuously licensed for previous 36 months, the most recent 18 months in the US or Canada; has no more than 1 DMV point in the past 3 years; no DUI in past 10 years; no At-Fault accident with BI or death
  • CA Superior Driver Discount: 10% off for drivers who qualify for Good Driver Discount in addition to: having 5 years driving experience, no chargeable violations in past 3 years, no major violations in past 5 years, no more than 1 DMV point in past 5 years, no At Fault accidents with BI or death in past 5 years
  • Home: 15% account credit applied with supporting auto; 2% account credit with supporting Umbrella
  • Landlord Protection: 14% account credit applied with supporting property (or primary resident for customer to include home, renters or condo)
  • Motorcycle: 5% account credit applied with any supporting Safeco personal lines property & casualty product; 5% Safety Course, Instructor certificate, Association (AMA, Harley Owners Group, BMWMOA, etc.) or Mature Driver Improvement Course (age 55+) within past 3 years (must have proof); 15% credit if the policy contains more than one Motorcycle, ATV, Snowmobile, or Golf Cart; 15% persistency discount if policy remains with Safeco for 3 consecutive years without a lapse
  • Watercraft: 5% account credit applied with supporting auto, home, condo or renters

Auto Product Guide – New effective 5/18/18

Home Product Guide

Motorcycle Product Guide

Umbrella Product Guide

Home Package Comparison Chart
Landlord Protection
Motorcycle Eligibility Guide
Classic Cars, RV, Renters, Watercraft
Pet Insurance Agent Tip Sheet
Pet Insurance What’s Covered


Posted in: Carrier Guides