Return to State Auto PageReturn to Carrier's Page
Included, Optional Coverage, Discounts
Dwelling Fire Manual
Included
Dwelling Coverage
- Covers the structure and labor after a loss.
- ACV unless the replacement cost is more than 80% and less than 100%.
- Open Peril Coverage
Personal Liability
- Covers the personal liability on the premises.
- Available limits: $100,000/$200,000/$300,000/$400,000/$500,000.
Medical Payments
- Covers medical payments the insured may be liable for.
- Available limits: $1,000/$2,000/$3,000/$4,000/$5,000.
Additional Coverage
- Ordinance or law coverage included at 10%. Can be increased.
- Trees, Shrubs, and Other Plants: 5% of coverage A. $500 maximum per item.
Deductibles
- AOP: $500/$1,000/$1,500/$2,500/$5,000/$10,000. 1%, 1.5%, 2%, 3%, 4%, 5%.
- Wind and Hail: 1%, 1.5%, 2%, 3%, 4%, 5%.
Optional Coverage
Back to Top
| Other Structures |
- Covers the other structures on the property.
|
| Personal Property |
- Covers the personal property inside the home.
- ACV unless the replacement cost is more than 80% and less than 100%.
Perils Insured Against
- Fire or Lighting
- Internal Explosion
- Windstorm or Hail
- Explosion
- Riot
- Civil Commotion
- Aircraft
- Vehicles
- Smoke
- Volcanic Eruption
- Breakage of glass
- Burglars
- Falling Objects
- Weight of Ice, Snow, or Sleet
- Collapse of Buildings
- Accidental discharge of water or steam
- Sudden cracking of steam or hot water heating system
- Freezing
- Sudden damage from artificial electric currents
|
| Fair Rental Value/Additional Living Expense |
- Covers the cost of lost rent after a loss.
- If the insured occupies the home, it pays for additional living expenses while the home is being repaired.
|
| Earthquake Coverage |
- Covers the structure against earthquake.
- Available deductibles: 10%, 15%, 20%, 25%.
|
| Fire Department Service Charge |
- Pays for the charge given by the fire department.
- Available limits included: $500 and $1,000.
|
| Foundation and Water Damage Coverage |
- Must be written together.
- Protects the home against foundation coverage and water damage coverage.
|
| Limited Theft Coverage |
- Adds coverage for theft and vandalism and malicious mischief resulting from theft.
|
| Sinkhole Collapse |
- Covers the home after a sinkhole occurs.
|
| Theft of Building Materials |
- Covers the theft of building materials from the premises.
- $500 deductible applies.
- Available Limits: $5,000/$10,000/$15,000/$20,000/$25,000/$50,000.
|
| Unit Owners Coverage |
- Adds coverage for building items. This includes appliances and fixtures.
|
| Water Backup and Sump Overflow |
- Covers backup of the sewage and drains.
- $1,000 deductible applies to this coverage.
|
Discounts
Back to Top
| Advanced Quote |
- The farther away the effective date on the quote the larger the discount. Cannot exceed more than 45 days away.
|
| Financial Stability Rating |
- The better your credit rating the higher the discount. Surcharge also possible for bad credit.
|
| Home Purchase Discount |
- Available if the property is newly purchased.
|
| Multi-policy discount |
- Available if you have another State Auto policy or plan to have another policy within that term. Lost at renewal if never added.
|
| Prior Carrier Discount |
- Available if the insured was with the same carrier for more than three years. If you have been with the prior carrier for more than 6 years the discount is larger.
|
| Protective Devices Discount |
- Available if you have burglary alarm, Fire Alarm, Sprinkler system, Temperature monitoring.
|
| Smart Home Credit Discount |
- Available if the home has the following: Smart camera, smart smoke alarm, smart lights, automatic temperature detection, water leakage/automatic shut off, gas leakage detection/automatic shut off.
|
Return to State Auto PageReturn to Carrier's Page
