Is State Auto Home Insurance Good?

Introduction

When it comes to home insurance, most homeowners agree that it’s an important part of protecting their investment. It’s also a necessity for most mortgage lenders. State Auto is a well-known insurance provider in the United States, offering home insurance coverage for families across the country. But is State Auto home insurance a good option for you?

What Does State Auto Home Insurance Cover?

State Auto home insurance covers a variety of different areas, including: property damage, personal liability, medical expenses, and more. It also provides additional coverage options such as: replacement cost coverage, additional living expenses, and special coverages for personal items. Coverage limits and deductibles can be customized to fit your specific needs.

State Auto also offers multi-policy discounts for customers who bundle their home and auto insurance policies. This can help you save money on both types of coverage.

Advantages of State Auto Home Insurance

State Auto home insurance comes with a variety of advantages, including: competitive rates, flexible coverage options, discounts for bundling policies, and 24/7 customer service. The company also offers online tools, such as an online quote generator, to make it easier for customers to find the best coverage for their needs.

State Auto also offers an array of discounts, such as those for non-smokers, newly married couples, and those with a good credit score. These discounts can help you save even more on your home insurance policy.

Drawbacks of State Auto Home Insurance

There are some drawbacks to State Auto home insurance. For instance, the company does not offer coverage for flooding and earthquakes, which may be important in certain areas. Additionally, State Auto does not offer coverage for high-value items, such as jewelry, art, and collectibles.

State Auto home insurance is also not available in all states. Customers should check with their local State Auto office to see if they are eligible for coverage.

Conclusion

Overall, State Auto home insurance is a good option for those looking for affordable coverage. The company offers competitive rates and flexible coverage options, as well as a variety of discounts. However, it is important to note that State Auto does not provide coverage for certain risks, such as flooding and earthquakes. Additionally, it is only available in certain states. Customers should research their options thoroughly before deciding on a home insurance provider.