safepoint insurance reviews
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Who is Safepoint?
Safepoint became one of Florida’s newest home insurance companies in 2013 through a large group of policies that it acquired from Citizens Insurance, which divested a large number of policies during the same period to other insurers through a takeout process. Since the Florida homeowner’s market improved, more houses qualified for coverage with insurers other than Citizens, which was created to help those struggling to get coverage.
Following its growth in Florida, the insurer expanded to Louisiana, Texas, and New Jersey. Their advertising portrays them as a company that understands the needs of coastal states. Additionally, they offer commercial insurance, which is currently the only line of business available in New Jersey.
Independent agents sell the company’s policies in all four states, and its headquarters are in Tampa Bay, Florida.
What are the company’s insurance products?
In addition to home insurance, the company writes business insurance in three states and only writes business insurance in New Jersey. Depending on the state, coverage may vary, and each state has its own product listing; for the purpose of this review, we used the Florida listing.
Insurance for your home
The company offers several types of home insurance but only provides a basic overview of each on the website.
It is a package policy that covers the dwelling, personal property, and liability and may include other coverages as an endorsement. It is available for owner-occupied homes.
It is possible to purchase coverage for dwelling fires for owner-occupied homes in limited cases, but it is mainly offered to rental properties and seasonal homes.
A condo insurance policy and a renter’s policy are also available, each providing coverage specific to the type of home.
The equipment breakdown coverage and identity theft endorsements can be added to any of the home policy types.
A variety of business classes are covered by the company’s business insurance packages.
Main Street Business includes a wide range of small businesses, including office and retail operations. Business property, equipment breakdown, loss of income, and wind damage are covered.
Among the other types of commercial insurance are:
- Worship Places
- Miniature Warehouse
- Office Building
- Shopping Center
Any of the commercial insurance products can also be enhanced with Equipment Breakdown coverage. safepoint insurance reviews
How affordable are the company’s rates?
The only way to obtain quotes is through agents, and much of the website seems to be aimed more at getting new agents than at attracting new customers.
To obtain a quote, visitors can search for a local agent using the site’s agent search function.
There are no sample rates for Safepoint at the Florida Department of Insurance, so we were unable to get numbers there, either.
Claims for Safepoint Insurance
Insurance provides you with financial security if you suffer a loss. The claim process is the point at which a company makes good on its promise to the policyholder.
Some Safepoint reviews mention a disappointing claims experience, but overall customers seem satisfied.
Our claims process is straightforward: we aim for clear communication, fair settlements, and quick repairs. Our Managed Repair Network helps you restore your home to its former glory faster. Professional contractors have already been thoroughly vetted, and they get to work repairing and rebuilding your home.
Experience the benefits of working with an insurance company designed just for you. Request a quote today.
safepoint insurance reviews – TOP 10
“Funny to see the poor reviews from people who have had claims denied or premiums increases. In the 3 years I’ve had SafePoint as my HomeOwners carrier, I’ve had nothing but positive experiences with their claims and Customer Service people. Agent tried to switch me to another company for a couple $100 difference and I didn’t let her because I like working with SafePoint”
“I am a member of an association that filed a hail/wind damage claim with SafePoint last summer. Working with their adjuster Mike D has been very disappointing. Without explanation they sent very small checks which excluded items that the policy clearly covered — repairs required by code and law changes. By February he had “lost” all of the pictures and quote from the roofing company and I had to resend them. Mike keeps saying he will get another estimate over to us but fails to do so. He showed up last week with an 8 foot ladder to “inspect” again. I’m still waiting — but not patiently.”
“Safepoint has been great. I had a small claim due to damage and they were very professional in their response and support in handling the claim. My price went down a lot from Citizens which was the only insurance co. option when I purchased my home in 2006. They also have flood insurance now which is significantly less expensive than what I was paying before. I recently learned that it is a local Tampa company employing many and supportingTampa’s economy.”
Anat Pollack“It seems I came in a little hot with this one. I managed to get a hold of an agent that is working with me on my claim. My previous review was 1 star. The only reason I didn’t give a 5 star review is because it was really hard to speak with someone with the number provided on the website. I had to use a different number I got from my previous insurance company. The agent is great and super friendly.”Scotty Black
“Awful company poor customer service, disorganise, can never get an straight answer. could never reach out to a customer service supervisor. the poor phone operators don’t know how to lie.”Jorge Trujillo
“Would not recommend this company, they will raise your rate at renewal much higher after assumption. Also, from personal experience, they will delay claims as much as possible (three years to settle IRMA claim).”Carlos Castro
“Horrible horrible, absolutely horrible. Good luck getting them to pay up on any claims when you actually need them to do what’re paying you’re paying for. Put in a claim for water damage that led to mold, we eventually had to take the claim to court with our contractor where it was eventually ruled at they had no right to deny the claim after 6 months of living without a kitchen or laundry room. After the claim, they dropped us and we found a new policy at a different company that we absolutely love and are satisfied with. We dealt with some very nasty individuals from this company, your money will serve you better elsewhere.”Wes Auguste
“7 year customer. My issue was handled expeditiously once I was able to contact the appropriate persons to handle my insurance-related glitch. Will continue doing business with the company.”Michael Anderson
“I had a leak in my kitchen, which resulted in mold and the entire space was pretty much gutted as a result. After remediating the mold, this company became un-responsive. Initially they gave me the run around, telling me different things of what they would cover each week. I have been out of a kitchen for over 3 months and had to hire a public adjuster. Neither I nor my public adjuster can get a response out of the Safe Point adjuster nor supervisor. I have never received an acknowledgment letter from Safe Point. I have never received confirmation whether my claim is covered in full or not. AND I have not received payment in 90 days nor a denial per 627.7142. This company has broken the law and now I have to resort to hiring an attorney.”Percedlips 65
“Initial adjuster took a while to send in estimate but after that everything else moved fast. Also easy to reach someone with any questions. Courteous staff! Overall a positive experience.”Terri McKenzie
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