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State Auto Insurance Companies

in Home Insurance

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State Auto Insurance Companies

Unaffiliated

in Home Insurance

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Overview

Where does State Auto Insurance Companies do business?

State Auto Insurance Companies is an insurance carrier based in Columbus, OH. The company was founded in 1921 and offers home insurance in 50 states (and Washington, DC). 

What is the financial strength rating of State Auto Insurance Companies?

The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies.  SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.

State Auto Insurance Companies scores an A-. Insurance companies with this score show an excellent ability to cover their insurance responsibilities.

What types of coverage does State Auto Insurance Companies offer?

Home insurance includes a wide range of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. State Auto Insurance Companies offers the following types of home insurance coverage:

  • Dwelling Coverage: Also called "dwelling insurance." This is the part of your homeowner's insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home if it's damaged by a covered hazard.

  • Guest Medical Protection: This helps visitors who are injured on your property. It can help cover the necessary medical expenses in an accident, regardless of who's at fault. Medical expenses covered usually include costs like ambulance rides, X-rays, surgical procedures, and hospital stays. Note that guest medical coverage doesn't apply to anyone who lives in the home or is listed on your policy.

  • Liability Coverage: The personal liability coverage within your homeowner's policy offers coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.

  • Other Structures Coverage: This covers structures on the residence premises separated from the dwelling by a clear space or connected to the dwelling by a fence, utility line, or related connection. Examples include a detached garage, tool shed, driveway, swimming pool, gazebo, or fence.

  • Personal Property Protection: This insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them.

  • Reimbursed Living Expenses: This coverage reimburses the insured for the cost of maintaining a comparable standard of living following a covered loss that exceeds the insured's normal expenses. For example, it could include an insured's motel bill while fire damage to the home is being repaired or replaced or until the insured moves to a permanent residence.

State Auto Insurance Companies customers can also add the following riders or endorsements to their home insurance policies:

  • Identity Theft Protection:  This rider protects homeowners in the event of identity fraud and pays for the cost of restoring their identity.


Personal Injury Liability Coverage: This protects you against bodily injury and property damage for which you or the residents of your home are responsible.

  • Valuable Items: Valuable personal property coverage protects items such as expensive collections, engagement rings, watches, and other jewelry from theft, loss, or damage.

  • Watercraft Coverage: This rider provides protection from liability and damages caused by a boat. This may be enough if you have a small boat or if you only use it on your property. However, you may want to consider a separate boat insurance policy for larger boats and longer trips.

How can you save money on a State Auto Insurance Companies home insurance policy?

When you ask for a quote with State Auto Insurance Companies, make sure you ask for all the discounts you qualify for. These are the property-specific discounts currently available. 

  • Alarm System
  • Home Security or Protective Devices
  • Recent Home Improvements / New Roof
  • Home Monitoring System
  • Smoke Detectors

Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with State Auto Insurance Companies.

What additional benefits does State Auto Insurance Companies offer?

State Auto Insurance Companies offers the following benefits to its customers:

  • 24/7 Phone Availability: Customer service is staffed around the clock.

  • Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.

  • Digital Claims Reporting: Never fax or mail a document again.
SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Contact

  • Headquarters
  •   518 East Broad Street
    Columbus, OH 43215 USA
  •   Visit Site

Other Services by State Auto Insurance Companies

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Policy Discounts
  • Advance Purchase / Early Shopper
  • Continuously Insured
  • Loyalty / Long-Term Customer
  • Multiple Policy
Property Discounts
  • Alarm System
  • Home Security or Protective Devices
  • Recent Home Improvements / New Roof
  • Home Monitoring System
  • Smoke Detectors
Home and Renters Insurance Riders
  • Business Property Protection
  • Flood Coverage (Federal)
  • Identity Theft Protection
  • Personal Injury Liability Coverage
  • Valuable Items
  • Watercraft Coverage
Financial Strength Rating
  • A-
Loyalty Program
 
Claim Forgiveness
 
Carrier Features
  • 24/7 Phone Availability
  • Locally Available Agents
  • Digital Claims Reporting
  • Mechanical / Auto Body Repair Network
Available 24/7 by Phone
 
Home and Renters Insurance
  • Dwelling Coverage
  • Guest Medical Protection
  • Liability Coverage
  • Other Structures Coverage
  • Personal Property Protection
  • Reimbursed Living Expenses

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