State Auto Insurance: Protecting Your Home And Peace Of Mind

State Auto Insurance offers a range of insurance products, including auto and home insurance. The company provides various coverage options and add-ons to cater to different needs and budgets. State Auto's home insurance is known for its low rates and comprehensive coverage, with options like standard, protection plus, and premier plans. On the other hand, their auto insurance has received some complaints but offers packages with perks and extras. State Auto was acquired by Liberty Mutual in 2022, and its policies will be transferred to Safeco, a Liberty Mutual subsidiary, starting in 2023.

State Auto's home insurance packages: Standard, Protection Plus, and Premier

State Auto offers three levels of home insurance coverage: Standard, Protection Plus, and Premier. Each level has its own unique features and benefits, allowing customers to choose the option that best suits their needs and budget.

The Standard package offers basic coverage with some key optional coverages available, such as ID Theft protection and Replacement Cost for Personal Property. This package is ideal for those seeking essential protection at a more affordable price.

The Protection Plus package builds upon the Standard option by offering additional and expanded key coverages. Customers opting for this package also have the choice to include the HomeXtended® Coverages Endorsement, providing extra protection for items such as cell phones, personal records, and identity fraud.

For those seeking the highest level of coverage, the Premier package offers expanded coverages with higher limits. This package includes special items like silverware and jewelry, and the HomeXtended® Endorsement is automatically included. Premier is designed for customers who want the most comprehensive protection for their homes and possessions.

In addition to these three main packages, State Auto also offers customizable options to fit specific needs. For instance, renters insurance policies and condo owners insurance can be tailored to provide the necessary protection for those living in rented properties or condominiums.

Furthermore, State Auto provides various discounts and ways to save on homeowners insurance. These include discounts for smart homes, fortified homes built to withstand severe weather, long-term policyholders, bundling home and auto insurance, and specific security devices installed in the home.

Overall, State Auto's home insurance packages offer a range of choices to meet different customer needs, from basic to comprehensive coverage, ensuring that individuals can find the right protection for their homes and possessions.

Discounts for home insurance

State Auto Insurance offers a range of discounts for home insurance, including:

Multi-Policy Discount

If you bundle your home insurance with an auto, dwelling fire, or umbrella policy, you could save up to 14% on your premiums. This is also known as a multi-line discount or bundling.

Advance Quote

Get a quote at least eight days before you need your policy to go into effect and you could be eligible for a discount.

Fortified Home

If your home is fortified with wind mitigation features to protect it against severe weather, including hurricanes, high winds, and hail, you could be eligible for a discount.

New Construction

If your home is a new build, you may be eligible for a discount.

Prior Carrier

If you were with your previous insurance company for several years, you could be rewarded with a discount.

Protective Devices

If your home is outfitted with burglar alarms, central fire alarms, and other safety devices, you could be eligible for a discount.

Roof Construction

If your roof is newer and made with materials that offer increased protection against the elements, you could be eligible for a discount.

State Auto Insurance also offers a range of car insurance discounts, including multi-policy, accident prevention course, anti-theft device, good student, and paid-in-full discounts.

Home insurance options and add-ons

Guaranteed or Extended Replacement Cost Coverage:

This option provides coverage for the full cost of rebuilding your home, even if it exceeds the policy limit. It is ideal for areas with high construction and labour costs or in the event of inflation-driven increases in rebuilding expenses.

Personal Property Replacement Cost Coverage:

This add-on covers the cost of replacing your belongings with new items of similar type and quality, without considering depreciation. It ensures that you can replace furniture, clothing, electronics, and other possessions without worrying about their age or condition.

Inflation Guard Coverage:

This endorsement automatically adjusts your policy's dwelling coverage limit to reflect the current construction and labour costs in your area. It helps protect against increasing rebuild costs due to inflation.

Ordinance or Law Coverage:

This add-on covers the additional costs of bringing your home up to code after a covered loss. It includes expenses related to home construction, demolition, remodelling, and renovations to comply with building codes.

Flood Insurance Endorsement:

If you live in a flood-prone area, this endorsement covers damage to your home and belongings caused by flooding, including high tides, storm surges, heavy rain, and other sources of natural flooding.

Water Backup Coverage:

This add-on protects your home and personal property from water damage caused by backed-up drains, sewage systems, and sump pumps. It fills a gap in standard home insurance policies, which typically exclude such damage.

Equipment Breakdown Coverage:

This option covers damage to appliances and electronics due to mechanical or electrical failure. It supplements the coverage for named perils in standard policies and can provide peace of mind for those with valuable electronics and appliances.

Service Line Coverage:

Standard home insurance may cover damage to your home caused by ruptured utility lines, but it usually doesn't cover repairs to the lines themselves. Service Line Coverage fills this gap by providing reimbursement for repairs to buried utility lines, including water, sewage, gas, electrical cable, and power lines.

Scheduled Personal Property Coverage:

Standard home insurance policies may have limits on coverage for high-value items like jewellery, art, or collectibles. This add-on allows you to increase the coverage limits for these items, providing extra protection.

Identity Theft Coverage:

This endorsement covers expenses related to identity theft, such as legal fees, credit monitoring, and lost wages. With the increasing risk of online identity theft, this add-on provides valuable peace of mind.

Home Business Coverage:

If you run a business from your home, this add-on can extend coverage to your business property and increase coverage limits. It is important to note that this endorsement typically does not include liability coverage.

Dwelling Under Construction Coverage:

If your house is under construction or vacant, standard home insurance may not provide coverage due to increased risks. This add-on fills that gap by covering theft and damage to building materials during construction.

Sinkhole Coverage:

Standard home insurance typically excludes coverage for sinkholes and earth movement. This add-on provides protection against damage caused by sinkholes, including repair costs and ground stabilisation expenses.

Windstorm Coverage:

In areas prone to severe storms, wind damage may be excluded from standard policies. This add-on provides coverage for wind and hail damage, giving you peace of mind during stormy seasons.

Earthquake Coverage:

Earthquake damage is typically excluded from standard home insurance. This endorsement adds coverage for earthquake-related expenses, including rebuilding your home, replacing belongings, and covering additional living expenses.

How to get a quote and file a claim

To get a quote for State Auto Insurance for your home, you will need to provide some personal and vehicle information, as well as a brief driving history. This includes the year, make, model, body style, or VIN (Vehicle Information Number) of your car, as well as the name of the registered owner. You will also need to provide information about your previous insurance carrier and expiration date, as well as your driver's license number and state of issue. Additionally, be prepared to provide information about any tickets or accidents on your record, as well as any license suspensions.

When filing a claim with State Auto Insurance, the first step is to call your insurance agent or company as soon as possible. If you are a victim of burglary or vandalism, report it to the police and provide them with any witness information or other relevant details. Make temporary repairs or take steps to protect your home from further damage, and keep any receipts for reimbursement. Your insurance company will send you claim forms to complete and return as soon as possible. Make a list of lost or damaged items and provide receipts if available. Keep a copy of this inventory and take photos or videos of the damage. If you need to relocate while your home is being repaired, keep records of all expenses, as most homeowner policies cover the "loss of use" of your home. An adjuster may be sent to inspect the damage, and your claims professional will discuss your coverages and the situation with you.

State Auto's Safety 360° program

State Auto Safety 360° is a usage-based insurance program for personal auto that gives drivers more control over their insurance rates and potential discounts. The program uses telematics to collect data on driving behaviour and reward safe driving habits.

State Auto Safety 360° works by using a small leave-in device that customers plug into their cars, as well as the State Auto Safety 360° Mobile app. The device collects data on driving habits, including speed, time of day, number of miles driven, acceleration, braking and other factors. This data is then used to calculate a score, which is used to determine any discounts that may be applied to the customer's insurance premium.

The app provides customers with access to a real-time portal where they can view their driving score and receive feedback on their driving behaviour. This allows customers to work on improving their driving habits and increasing their score before each renewal, with the potential to earn discounts year-round.

In addition to the device and app, the State Auto Safety 360° program also offers complimentary Claims Quick Care support. If a customer is in an accident, the State Auto Claims and Risk Engineering (CARE) team will be notified, and they will proactively reach out to help with towing and starting a claim, if the customer chooses.

The program is easy to enrol in, with no additional charge to do so. Customers can contact their local independent insurance agent to add State Auto Safety 360° to their State Auto personal auto policy. Once enrolled, customers will receive the device in the mail, which they can then plug in and start driving with.

State Auto Safety 360° is a great way for customers to save money on their auto insurance while also improving their driving habits and safety on the road.

Frequently asked questions