Safeco Insurance has been a nightmare to deal with for two years! We paid them some $1200 to insure our property when we moved into it 2 years ago and we later found out that they insured our previous property for a whole yeat but not this one. So we had had a fire or flooding etc in this current property we would have had a massive mess on our hands. We called them and said we need to terminate the contract with them and they said yes but they would not reimburse us/ Meanwhile we had to pay extra monies to the new insurance as it showed that we were not insured for a whole year on this property. So now, they cost us extra money with the new property - needless to say our mortgage company was very displeased as we had no insurance on this property through no fault of our own. The following year, they still took another $1200 or so from our account without us knowing. We fought to get it back and we couldn't. We gave up and let it go. Though we paid for 2 home insurances at once. Today, we had a call from a lawyer saying that we owe them an extra $120 and thatif we did not pay it they will filed a judgement against which will be in the region of $700-800. We are tired of fighting this company! Very unprofessional, manipulative and down right thieves!