If you are considering purchasing home insurance through State Auto, here are a few things to consider. While the company’s website does not list all coverage options, most standard policies will cover your home’s dwelling, other structures, and personal property. You can also upgrade to protection plus or premier coverage, which offers additional options.
Review of State Auto Home Insurance
The State Auto home insurance policy has been around for over 80 years, offering several benefits to homeowners. For instance, it offers coverage for both individual and property damage. It also offers discounts for bundling insurance policies. Customers can also avail of an advance quoting option. In addition, the company’s Home Telematics Program allows policyholders to monitor the vital signs of their homes.
Homeowners can choose between three primary policies: standard, protection plus, and premier. Standard policies offer essential protection, including dwelling and other structures, while protection plus and premier policies offer more comprehensive coverage. Moreover, premium policies allow you to increase your coverage by adding high-value items.
Customer service
State Auto Home Insurance is available in several states, including the Midwest, South, and East coast. It does not offer coverage in California, New York, or New Jersey. The company offers multiple policy discounts and an early sign-up discount. For example, if you have multiple policies through State Auto, you’ll get a 10% discount on the total cost.
While State Auto has a mixed customer service reputation, it has a high AM Best financial strength rating. It has a solid reputation and an A+ rating from the Better Business Bureau. However, policyholders have filed a handful of complaints with the National Association of Insurance Commissioners. The insurer also has a high Complaint Index (2.69), probably due to its size.
Discounts
If you are interested in buying a home insurance policy, State Auto might be the perfect company for you. They offer several discounts that are tailored to the needs of each customer. These discounts can help you save money on your premiums. One such discount is the multi-policy discount. If you are a state auto employee, you can also get a discount on your home insurance.
Another great benefit of State Auto home insurance is that you can customize your policy. For example, you can add coverage for damage to your home or belongings by adding optional endorsements. Other options include utility service line coverage and home appliance breakdown coverage. You can also add coverage for your pet.
Reliability
When looking for home insurance, it’s essential to know the reliability of the company behind it. State Auto is a well-known insurer that offers a variety of home insurance policies. However, a recent report shows that the company’s financial standing has weakened. AM Best has reduced the company’s rating to “A-” from “A”. The company’s subsidiaries, including its auto insurance division, have also lost their A3 financial strength ratings.
State Auto home insurance is available only in a few states, including the Midwest, the South, and the East Coast. Unfortunately, the company doesn’t have branches in California, New York, or New Jersey. State Auto home insurance costs about $1,803 per year, which is a little higher than the national average. However, there are some discounts offered to residents who have multiple policies with the company. The company also offers an advance quote discount for home insurance.
Complaints
Consumers who have purchased home insurance through State Auto have often expressed disappointment and frustration with the company’s practices. These complaints often involve a lack of coverage and unethical practices. Sometimes, the company has even issued insurance policies without the customer’s knowledge. In other cases, consumers were not reimbursed for losses covered by the policy.
State Auto offers car and home insurance, and the two policies have very similar features and coverage. In addition to standard coverage options, customers can choose endorsements such as home-sharing and identity fraud protection. The company claims that its complaints are lower than the average in the industry, but consumers should still read customer reviews to ensure the company is a good fit for their needs.
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