Last Updated: 04/18/2025
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Community Rating
Mostly recommended
Financial Strength Rating
A-(Verified 04/18/2025)
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State Auto Home Insurance Review
State Auto Home Insurance is an insurance carrier based in Columbus, OH. The company was founded in 1921 and offers home insurance in 50 states (and Washington, DC).
State Auto Home Insurance FAQ
What is the financial strength rating of State Auto Home Insurance?
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 Home Insurance scores an A- financial strength rating. Insurance companies with this score show an excellent ability to cover their insurance responsibilities.
What types of coverage does State Auto Home Insurance 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 Home Insurance 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.
Medical Payments to Others:
This helps cover the medical costs of visitors who are injured on your property. 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 coverage protects the items in your home, like your furniture. If they're damaged or stolen, personal property coverage could help you cover the cost of replacing them.
Loss of Use Coverage:
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 Home Insurance 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 Home Insurance home insurance policy?
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 Home Insurance.
What additional benefits does State Auto Home Insurance offer?
State Auto Home Insurance 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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
SundayClosedMonday8:00AM - 7:00PMTuesday8:00AM - 7:00PMWednesday8:00AM - 7:00PMThursday8:00AM - 7:00PMFriday8:00AM - 7:00PMSaturdayClosed
Other Services by State Auto Insurance Companies
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Availability
Available in 50 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- 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
SuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of 0, or 3 on a 5-point rating scale.
0
-1000+100
No one recommends
Everyone recommends
Reviewer Sentiment Over Time
State Auto Home Insurance Community Reviews
Would you recommend State Auto Home Insurance to your friends?
MC
Mazhar C.
Nov 25, 2022
Would Recommend
State Auto Home Insurance is the only insurance company my family and I trust. I recommend them to anyone looking for Financial services. They have the best rates and most reliable customer service! They’re so fast!
JD
Justin D.
Sep 13, 2022
Would not Recommend
Insurance companies are supposed to be there to protect you. As a first time home owner, I had no direction or provided information to go on. I filed a claim because there was damage to my roof in March 2020. They denied it saying it was pre existing and not need even though what prompted me was finding pieces of roof in my back yard. Just pieces of shingles not ...Show More
Idris A.
Aug 11, 2022
Would Recommend
They have good rate but they kinda need to work on their website.Not bad to use
LR
Lily R.
Jun 30, 2022
Would Recommend
State Auto Home Insurance is the only insurance company my family and I trust. I recommend them to anyone looking for Financial services. They have the best rates and most reliable customer service! They’re so fast!
BB
Bj B.
Mar 9, 2021
Would not Recommend
State Auto do not pay and give hard time at the time when Texas have winter disaster in the week of 15th Feb, 2021. Their claim Adjuster are very negative behaviour and try to take excuse to not to pay. State Auto Policy premium was cheaper than other carriers so my agent recommend to me. But now I am regretting as unable to get claim for flooded house due to ...Show More
U
Anonymous
Jan 3, 2020
Would not Recommend
I can't access the website, they can't fix the problem and they refuse to permit one to opt out of their electronic document "delivery" system -- that doesn't deliver anything. Consequently, they raised my policy price $500 without notice to me. I found out through my mortgage company. It seems pretty unprofessional.
Showing 6 of 6 reviews