SAFE Insurance Company

1017 6th Avenue
Huntington, WV 25701

P: (304) 529-2771
P: (800) 642-3541
F: (304) 523-3131

Safe Products To Meet Your Needs
Safe Insurance Company offers a variety of property and casualty products and programs with several payment plans to meet your needs through West Virginia Independent Agents in communities like yours. Coverage can be tailored to meet individual needs with endorsements to specifically insure and/or exclude unique exposures.

Homeowners Specified Peril Program
Safe Insurance Company offers a "Specified Peril" Homeowner policy for owner-occupied residences. This packaged policy form provides Actual Cash Value (ACV) coverage for the dwelling, other structures, and personal property, as well as coverage for loss of use, medical payments to others, and personal liability. Many endorsements or options are available and can be tailored to meet individual needs such as replacement costs on contents. By specifically naming the perils for which you are insured, you will have a precise understanding of what is covered. Safe also provides coverage for homes with wood burning fireplaces or stoves when installed properly.

Mobile Homeowners Program
Safe Insurance Company also offers several Mobile Home package policies from our "Basic" Mobile Home form on up to our "Broad" and "Plus" Mobile Home packages that are available with coverage provided for the mobile home, other structures, personal property, loss of use, medical payments to others, and personal liability. Many endorsements are also available under our Mobile Home programs such as replacement cost on personal property and increased content limits. Safe can also provide coverage for additions or modifications that have been made to your mobile home. Wood burning fireplaces and stoves are not prohibited when installed properly and coverage can be tailored to meet individual needs.

Dwelling Property Program
Safe's Dwelling Property program can be utilized for either owner occupied dwellings or rented property (1 to 4 families). The coverage can be tailored to meet individual needs from basic fire protection and extended coverage for various types of losses including vandalism, with such coverage available for the dwelling, other structures, loss of rental income and the insured's personal property. Premises Liability coverage can also be obtained that protects the insured if they are sued for an occurrence relating to the premises insured. Personal Liability protection is also available. Multiple options and endorsements such as Additional Living Expense coverage are available under the Dwelling Property program which can also be utilized for seasonal property and mobile homes.

Renters Contents Program
Safe's Renter package is very competitive and offers two tiers of coverage with our "Basic" and "Broad" Renter's packages. Coverage can be obtained for contents or personal property on an Actual Cash Value (ACV) or Replacement Cost basis. Personal Liability and Medical payments to others are also included in this package policy.

Vacant Dwelling Property Program
Safe's Vacant program is one of the best in the State for such hard to place risks and offers several options such as fire protection and extended coverage with liability coverage also available. Coverage can be tailored for specified needs with sixty (60) day, 3 month, or 6 month policy terms available. The various time frames for vacant and/or unoccupied properties makes such coverage more affordable depending on the needs of the policyholder. Safe also offers a preferred vacant rate structure for above average, higher value protected risks.

Commercial Property Program
Safe offers fire and extended coverage, with liability coverage available for lower value commercial properties. Safe can explore ways to tailor such coverage to the specific needs of the policyholder.