The Safety Insurance company provides a variety of insurance policies in the states of Massachusetts, New Hampshire, and Maine. The offer both personal and commercial coverage options, including auto insurance, homeowners insurance, personal umbrella insurance, and business owners insurance, just to name a few options. The Safety Insurance Group doesn’t provide life insurance, so you’ll need to search elsewhere to fill that need. Safety has become the second-largest car insurance provider in Massachusetts since its founding in 1979 in Boston, MA.
Since they’ve expanded into the state of Maine and New Hampshire, they provide most of their coverage options in all three states, although there might be differences with plan details, depending on the location. While they don’t provide insurance quotes online, the company does make it easy to get in contact with a local agent, allowing you to discuss plans in greater detail. Here are the basics you’ll need to know about some of the most popular Safety Insurance plans.
If you drive a vehicle in the United States, then you’ll at least need basic liability coverage to protect against medical expenses in case you’re involved in a crash that injures another party. This insurance will also cover basic property damage done to another person’s vehicle. While you’re required by state law to have basic liability coverage to protect against medical expenses from hospital visits, you can also purchase enhanced coverage from Safety Insurance Group Inc.
Safety Insurance provides the Safety Shield in all covered states. This upgrade plan comes with many advantages, including a disappearing deductible, personal effects coverage, vehicle rental substitutes, supplemental towing coverage, and more. In Massachusetts, policyholders can even sign up for Safety Shield Plus, which provides accident forgiveness, extended personal property coverage, and even pet medical coverage.
Safety Insurance provides level HO-3 insurance in all covered states, as well as the same enhancements across all states. This covers your dwelling, as well as any other structures on your property, in case of damages caused by fire, lightning, frozen pipes, hail, and windstorms. You’ll also be protected in cases of theft or intentional vandalism. Flooding is only covered if it’s caused by faulty plumbing.
You can also purchase different levels of coverage for the contents of your house, though you may need to go with more expensive enhancements if you hope to protect items like jewelry or fine art. Basic coverage also includes liability protection for any property damage or injuries suffered on your property. Landlords can even get fire protection for properties that have no residents at the time.
If you think you need more coverage than standard liability insurance options will provide, then Safety Insurance also provides umbrella insurance. This protects you if you’re being held liable for an amount greater than your typical homeowners, auto, or business insurance covers. The most likely reason for this would be that you’re in a lawsuit. While it may seem unlikely that you’d need this coverage, it can protect your life savings in such an event. Safety provides umbrella coverage limits between $1 and $5 million.
Business Owners Insurance
Safety Insurance also provides business coverage to small and medium-sized business accounts. Equipment breakage is automatically covered, and additional benefits are available to a wide variety of establishments, including restaurants, office buildings, processing and service businesses, special trade contractors, and more. You’ll need to contact a local agent in one of the covered states for more details.
While you can’t directly get a Safety Insurance quote online, they do provide discounts when bundling insurance plans. Discounts are especially high when combining home and auto insurance, so don’t hesitate to contact an agent and see how much you can save.