State Auto Insurance: Exploring Their Homeowners Insurance Offerings

State Auto Insurance Company offers a range of insurance products, including homeowners insurance. The company provides three tiers of property insurance coverage: standard, protection plus, and premier. While the specifics of each tier are not explicitly listed on their website, standard policies are said to include basic home protection with dwelling coverage, other structures coverage, and personal property protection. The higher tiers offer more comprehensive coverage and additional coverage options, such as identity theft coverage and replacement cost coverage. State Auto also offers various discounts for its auto and home insurance policyholders, including bundling discounts and discounts for certain home features.

State Auto offers three tiers of property insurance coverage: standard, protection plus, and premier

The standard policy includes dwelling coverage, other structures coverage, and personal property protection. Homeowners can also add optional coverage such as identity theft coverage and replacement cost coverage for an additional charge.

The protection plus policy includes all the features of the standard policy, as well as the option to add State Auto's HomeXtended endorsement. This endorsement covers lost or damaged cell phones, digital personal records, increased identity theft protection, and personal property business use, all with no deductible.

The premier policy includes all the benefits of the protection plus tier, as well as the HomeXtended endorsement. Additionally, the premier tier provides coverage for specialty high-value items like jewelry and fine art, and volunteer wrongful acts protection.

State Auto also offers a range of other optional coverages, such as earthquake insurance, home systems protection, and schedule personal property coverage. Discounts are also available for bundling policies, installing approved security systems, and homes built to withstand severe weather events.

State Auto underwrites homeowners policies in 33 states

The protection plus and premier tiers come with more comprehensive coverage and additional coverage options. For example, the protection plus policy allows you to add the HomeXtended endorsement, which includes coverage for lost or damaged cell phones, digital personal records, increased identity theft protection, and personal property business use, all with no deductible. The HomeXtended endorsement is included in premier policies.

State Auto also offers a range of optional coverages, including blanket personal property, earthquake insurance, home systems protection, and dwelling fire for renters. The company provides various discounts for its auto and home insurance policyholders, such as bundling policies, installing a State Auto-approved home security system, and homes built to withstand severe weather events.

State Auto has been in business for over 100 years, with its headquarters in Ohio and offices in Indiana, Iowa, Maryland, Minnesota, South Dakota, Tennessee, and Texas.

State Auto offers a discount of up to 50% if you add their State Auto Safety 360 telematics program to your auto insurance policy

State Auto Insurance offers a wide range of insurance products to individuals, businesses, ranch owners, and farm owners. The company provides auto insurance, homeowners insurance, business owners' policies, workers' compensation, and employment practices liability.

State Auto's auto insurance policyholders can benefit from the State Auto Safety 360 telematics program, which offers a discount of up to 50% on their auto insurance renewal premium. This program is designed to reward safe driving habits and give drivers more control over their insurance rates. By enrolling in the program, customers automatically receive a 10% participation discount on their premium. The program uses a small leave-in device that collects driving data, including speed, time of day, number of miles driven, acceleration, braking, and other factors. This data is used to calculate a driving score, which determines the discount amount, offering customers the opportunity to improve their driving habits and work towards earning higher discounts.

The State Auto Safety 360 telematics program provides real-time driving feedback and allows customers to review their driving habits and scores before each renewal. This helps drivers identify areas for improvement and make necessary adjustments to their driving behaviour. The program also includes a mobile app that pairs with the device, making it convenient for customers to access their driving information and monitor distracted driving behaviours.

In addition to the potential for significant savings, the State Auto Safety 360 program offers valuable benefits such as towing services and claim assistance in the event of an accident. This comprehensive approach to auto insurance not only helps customers save money but also provides peace of mind and additional support when they need it most.

While State Auto offers this discount for auto insurance, it is important to note that their homeowners insurance policies do not qualify for the Safety 360 discount. However, customers can still bundle their home and auto insurance policies to take advantage of other potential discounts and savings opportunities.

State Auto offers a discount for bundling your home and auto insurance

State Auto Insurance Company offers a range of insurance products to individuals, including home and auto insurance. The company provides three tiers of property insurance coverage: standard, protection plus, and premier. While the standard policy covers basic home protection, the protection plus and premier policies offer more comprehensive coverage and additional coverage options.

In addition to the multi-policy discount, State Auto also offers various other discounts for its home insurance policyholders. For example, installing a State Auto-approved home security system, smoke detectors, or fire alarm system can help you save on your premiums. The company also offers discounts based on the age and construction of your home, such as roof construction discounts and discounts for homes built to withstand severe weather events.

State Auto allows you to customize your coverage to fit your specific needs. Whether you're a renter, condo owner, or homeowner, you can choose the level of protection that suits you best. With optional coverages like identity theft protection, replacement cost coverage, and HomeXtended® Endorsement, you can enhance your policy to provide even more comprehensive protection.

By taking advantage of State Auto's bundling discount, you can not only save money on your insurance premiums but also enjoy the convenience of having your home and auto insurance policies with the same company. This simplifies the insurance process and ensures that you have a single point of contact for all your insurance needs.

State Auto offers a discount for installing a State Auto-approved home security system, smoke detectors, or fire alarm system

State Auto Insurance Company offers a discount for installing a State Auto-approved home security system, smoke detectors, or fire alarm system. This is part of their range of insurance products for individuals, businesses, ranch owners, and farm owners. State Auto offers three tiers of property insurance coverage: standard, protection plus, and premier. The standard policy provides basic home protection, while the protection plus and premier tiers come with more comprehensive coverage.

The standard policy includes dwelling coverage, other structures coverage, and personal property protection. The protection plus and premier policies offer higher-tier additional coverage options, such as identity theft coverage and replacement cost coverage. With the standard policy, homeowners can add any number of additional coverage options, such as identity theft coverage and replacement cost coverage, for an additional charge. The protection plus policy also includes the HomeXtended endorsement, which covers lost or damaged cell phones, digital personal records, increased identity theft protection, and more, all with no deductible. The HomeXtended endorsement is also included in the premier policies.

State Auto offers a variety of discounts for its auto and home insurance policyholders. The amount of the discount does not have a set rate but is instead dependent on certain factors, such as the age of the home or the type of policy. State Auto home insurance policyholders are eligible for various discounts, including bundling home, umbrella, dwelling fire, or auto insurance policies, which can lower premiums by up to 14%.

In addition to the discount for installing a State Auto-approved home security system, smoke detectors, or fire alarm system, State Auto also offers other discounts for home insurance policyholders. For example, homes built to withstand severe weather events like hurricanes and tornadoes are eligible for lower premiums. Homeowner and dwelling fire policyholders may also qualify for a discount, depending on the year their home was built. Roof construction discounts are granted based on the type of material and age of the home's roof.

State Auto also offers a discount for customers who get a quote for their home insurance policy more than eight days before they need the policy to go into effect. This discount can help customers save money on their premiums.

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