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All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. When comparing rates among insurers, make sure each is offering the same coverage limits and deductibles. You may not want to make your decision based on price alone. Look at how many consumer complaints each company has, as a high number of complaints could be a red flag about the quality of service you'll receive.
If you’re able to do it safely, take photos of the accident and damage to other property or vehicles. If you’re involved in an auto accident or have damage to your vehicle... State Auto earns an average score on our financial strength rating scale due to its sub-par ratings of A- from AM Best and AA- from Standard & Poors. Protects your home and personal property from earthquake damage. However, State Auto home insurance is only available in 28 states in the Midwest, South, and along the East Coast.
More about State Auto insurance
State Insurance is a business division of IAG New Zealand Limited. Please refer to the policy wording for full terms and conditions. Did you know you can pay, claim, cancel, and more online?
Don’t get rid of anything that's been damaged until you’ve been guided by your State Auto professional to do so. If possible, move or cover up personal belongings to protect from further damage. Once you’ve received your approved estimate, you can authorize the repair facility to order parts and set up an appointment to begin repairs. It’s possible that during the repair process additional damage may be discovered. This isn’t uncommon and we’ll handle this directly with your shop.
What to expect with State Auto home insurance
If you have not replaced your roof in over a decade, the insurance company can blame your water leak on wear and tear and may not cover the damage. State Auto has the lowest rates of all of the home insurance companies we reviewed, and it doesn’t skimp on coverage — offering 15+ policy add-ons to ensure you’re fully protected. If you have a major claim from a fire, flood, or another natural disaster, you may want someone to help you with your claim.
If your car is declared a total loss when it’s two years old or less, State Auto will pay to replace your vehicle. Includes the ability to add safety glass coverage, which pays for glass damage if it wasn’t caused by a collision. If you have rental coverage on your policy, you may be able to choose a replacement vehicle to use while yours is in the shop.
Can Someone Help You with Your Claim?
Depending on the details of your policy, there will be costs you have to bear. That includes deductibles and costs beyond your coverage limits or beyond the agreement of your policy. In the event of a major or total loss, it almost always makes sense to file a claim. Home insurance claims are meant to help you restore your home to its pre-loss state. State Auto Insurance is based in Ohio and offers a variety of insurance products for individuals, businesses, farms and ranches. The company sells its products primarily through independent agents.
Knowing you can trust the people fixing your vehicle gives you peace of mind. If you don’t have one in mind, we’ve coordinated with body shops across the country to provide quality service. We’ll help you find a repair facility that can meet your needs. Take steps to prevent further damage until your claim can be investigated. Whether you need to submit a claim, manage your claim or ask a question, we're here to help you every step of the way.
How our online claims work
If you’re involved in an auto accident, stay safe and call 911 if there are injuries. Use our accident scene checklist so you know exactly what to do. Keep all of your invoices, receipts and any damaged items. Exchange contact information including name, phone, email of anyone involved and any witnesses, as well as insurance information.
Prices are based on rating plans that may vary by state. Coverage options are selected by the customer, and availability and eligibility may vary. Meet our third party-provided products that allow you to bank when, where and how you want. Explore the wide range of products to help defend what you’ve worked so hard to build. The world has changed a lot in the last 100 years.
You can get a State Auto insurance quote online through Policygenius or State Auto’s website. If your roof is newer and made with materials that offer increased protection against the elements. If your home is fortified with special wind mitigation features to protect it against severe weather, including hurricanes, high winds, and hail.
It also offers extended replacement cost coverage of up to 25% if the cost to rebuild your home after a covered loss exceeds your policy’s dwelling coverage limits. Plus, you can choose from a whopping 15+ other policy add-ons to ensure your home and belongings are fully protected. Standout features include injury-related coverage like emergency travel and total disability coverage, as well as protections for your pet and personal property stored in your car. Otherwise, whether State Auto is the best option for your home insurance needs will vary based on your priorities, where you live, and the coverages you’re looking for. You should also avoid filing a claim on basic upkeep. Your insurance is not meant to pay for natural wear and tear but accidental loss, theft, and damage from weather or natural disaster.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data. We believe everyone should be able to make financial decisions with confidence. Your policy contains limited coverage for jewelry, but you can broaden coverage and increase your limits with a Personal Articles Policy that protects jewelry and other valuables.
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