Agent Portal: State Auto: HO-3

• ACV on losses to roof due to wind and hail for a lower premium.

• Property and liability coverage extended to secondary residence occupied by the insured.

• Extends coverage to residences you rent to others.

• Extends coverage to named insured’s or relatives who were members of the household but are now in an assisted living care facility.

• Total amount of coverage allowed is $25,000. $5,000 per item. $10,000 per item for computers. Available items for this coverage: Jewelry, silverware, fine arts, coin collections, computers, firearms.

• Covers the home while it is under construction. Must be done by a licensed contractor. Home must be at least 21 months before completion

• 10% is available in each policy for additions and alterations. This endorsement allows you to add excess coverage for this.

• Same coverage as original endorsement, but is for other residences.

• Extends liability for business pursuits on insured’s property. Not available if the insured owns the business.

• Provides coverage for earthquakes after a certain deductible.
• Available deductibles: 10%, 15%, 20%, 25%.

• provides theft coverage to residence that is rented occasionally to others.

• Provides liability coverage for farming done on the premises. Cannot produce more than $5,000 a year in profits.

• $500 is already provided by the policy. Can be increased to $2,000.

• The endorsement provides coverage for settling, cracking, shrinking, bulging or expansion of foundations, floor slab or footings that support the dwelling caused by seepage or leakage of water or steam from within a plumbing, heating, air conditioning or automatic fire protective sprinkler system. The coverage includes the cost of tearing out and replacing any part of the building or covered property necessary to repair the system from which the water or steam escaped. The loss to the system or appliance from which the water or steam escaped is not covered.

• Materials to build will be just enough to repair and not up to same quality as the original.

• Certain businesses are covered under this and can be added to your homeowner’s policy. Up to $250,000 in revenue allowed for this coverage.

Coverage:

• BPP up to $5,000. Can be added up to $10,000. Other endorsement will allow this limit to go up to $50,000.
• 12 months of business interruption coverage.
• Money increased to $1,000.
• Valuable papers up to $2,500.
• Accounts receivable up to $5,000. $2,500 off premises.

Eligible Businesses:

• Accounting Service. Including Tax Service. No Financial Planning.
• Barber and Beauty Shop Supplies. Nothing manufactured by insured or sold under insured’s own label.
• Barber Shop. No tanning beds.
• Barber/Beauty Supplies Representative. Excluding those involved in design, repackaging, or re-labeling. Excluding direct importing of foreign goods if manufacturer has no U.S. operations. Must be named as Vendor Additional Insured on the manufacturer’s policy.
• Beauty Salons. No tanning beds.
• Bookkeeping Service. No financial planning.
• Ceramics, Pottery or Clay
• Embroidery
• Fabrics, including Sewing, Knitting or Quilting
• Financial Planner
• Graphic Artists
• Insurance Sales
• Jewelry Engraving. Maximum of $5,000 property of others in insured’s possession at any one time.
• Jewelry Sales Representative. Associated with major national distributors only. Must be named as Vendor Additional Insured on the manufacturer’s policy.
• Marketing Consultant. Advise on best methods for selling clients products or services. Does not become involved with carrying out the plans.
• Personal Care Products
• Pet Grooming. No overnight boarding.
• Photography Studios. Only incidental photo finishing.
• Real Estate Agents. No property management or investment service exposures.
• Real Estate Appraiser
• Resume Service
• Tailoring/Alterations and Seamstresses. No dry-cleaning or laundry services.
• Videotaping, Dubbing and Editing

• Provides liability and property coverage if you operate a day care out of your home.

• Coverage up to $500 for direct physical loss or damage to cellular phones which are owned by an“insured”.
• Coverage up to $500 for direct physical loss or damage to a Global Positioning System (GPS) that is owned by an “insured” or “family member” that is not located in or upon a motor vehicle.
• False Alarm Coverage up to $1,000.
• Fire Extinguisher Coverage up to $250.
• Computer-Personal Records Coverage up to $1,500.
• Personal Property Business Use Coverage up to $5,000.
• An additional limit of $10,000 for Identity Fraud Expense, if the Identity Fraud Expense Coverage is part of your policy.
• Coverage for added Mortgage & Related Expense coverage paying up to $1,000 in acquisition costs for title search, appraisal fees and application fees as a result of a total loss to the property and up to $2,000 per year for the difference in interest rate based on the balance owed on the current primary mortgage at the time of the loss and at the terms of the current primary mortgage.

• Provides $15,000 to cover ID fraud expenses. $500 deductible applies to this coverage.

• Can increase the limit to 25% of coverage C. 10% of coverage C is provided on the policy currently.

• $2,500 of limit available for business personal property on your current personal property. Can be increased to $50,000.

• Can be increased to 25% of coverage C. 10% already provided.

• Available for apartments you own. $2,500 is already provided. Can be increased to $10,000 in increments of $500.

• Must have the Famers Personal Liability Coverage. Up to $400 per animal.

• $1,000 limit already included on the policy.
• Available additional limits included: $5,000/ $10,000/$15,000/$25,000/$50,000.
• Loss assessment earthquake coverage is also available.

• 10% of coverage A automatically provided with each policy. Can be increased to 25% or 50% of coverage A.

• Extends coverage to other members of the household.

• Can be added to protect against damages caused by: false arrest, malicious prosecution, wrongful eviction, slander, libel, or violations of right of privacy.

• Changes the loss settlement for personal property to replacement cost instead of actual cash value.

• $500 available for products stored in freezers. $100 deductible.

• Anything over $10,000 requires a bill of sale.
• Total amount scheduled cannot go above dwelling limit.
• Available items: Jewelry. Furs. Cameras. Musical Instruments. Silverware. Golfer’s Equipment. Fine Arts. Postage Stamps. Coin Collections. Bicycles. Sporting Equipment. Collectibles. Hearing Aids. Guns.

• Can be added to cover damages due to sinkholes

• Available limits for this coverage are: $5,000/$10,000/$15,000/$20.000/$25,000/$50,000.

• Available limits: $5,000/$10,000/$25,000/$50,000/$100,000.
• $1,000 deductible applies.

• Covers the home for water damage by seepage or steam.

• Physical damage coverage for watercraft trailers – Coverage can be purchased for the trailer of a covered watercraft. A $100 deductible applies to trailers of pleasure boats and a $250 deductible applies to trailers of yachts.
• B. Emergency service or towing and labor coverage for disabled watercraft may be provided up to a maximum of $2,500. Available limits are: $500, $1,000 and $2,500.
• C. Sailboat Racing Buy-Back – Racing coverage for loss or damage to the following sailboat components may be purchased: spars, spinnakers or sails. This option is available for pleasure boats only. Attach Sailboats (Racing Buy-back) Amendatory Endorsement.
• D. Broadened Navigational Territory Limits – Bahamas (Yacht Only) – When a yacht is rated for Territory III, the coverage territory may be extended from 12 statute miles off the US coastline to include the navigable waters to and from the Bahaman Islands provided the trip originates and ends in the Atlantic and Gulf coastal waters.
• E. Increased Navigational Limits – When a boat or yacht is rated for Territory III, the coverage territory may be extended from 12 statute miles of the coastline to 20 statute miles of the coastline for pleasure boats and to 50 statute miles of the coastline for yachts.

Endorsements:

Miscellaneous Accessories/Detachable Equipment – Increased Limits (Pleasure Boat Only) – The basic policy limit of $500 may be increased. Refer to the policy for a description of coverage. Indicate limit increase during the quoting process.

H. Additional Equipment (Yacht Only) – Coverage may be purchased for furniture and equipment needed for the maintenance and use of the yacht. Combine limit with yacht hull value.

I. Uninsured Watercraft Coverage – This optional coverage affords protection for compensatory damages which an insured person is legally entitled to recover from the owner or operator of an uninsured watercraft. Use form WC0401.

UM Limit Options:

$10,000

$25,000

$50,000

$100,000

$200,000

$300,000

Discounts:

Boating Course Credit – An insured is eligible for this credit if he/she has completed a piloting/seamanship course offered by the U.S. Coast Guard Auxiliary or U.S. Power Squadron. Proof of successful completion is required.

B. Membership Credit – An insured is eligible for this credit if he/she is an active member of the U.S. Coast Guard Auxiliary or U.S. Power Squadron. Proof of membership is required.

C. Fire Extinguishing System Credit – This credit is applicable for those watercraft with approved, built-in fire extinguishing systems which automatically discharge upon detection of fire in the engine compartment. The credit does not apply to portable, hand-held fire extinguishers.

D. Miscellaneous Safety Equipment – Credits are given for miscellaneous safety equipment. Qualifying devices include:

 Ship to Shore Radio

 Radar/Doppler/LORAN

 Sniffer/Fume Detector

 Depth Sounder/Fathometer/Sonar

 Radio Direction Finder

 Electric Cooking and Refrigeration Devices

Reduced Navigation Period – (Yacht Only) – Base premiums are calculated based on a seven (7) month navigation period, with the exception of Territory III, Atlantic and Gulf Coastal Waters where base premiums are calculated on a 12 month navigation period. This navigation period, whether seven (7) month or 12 month, may be reduced for a credit.

Multi-Policy Discount – This credit is available for insureds who have their automobile, dwelling fire, business auto, legacy home, seasonal/secondary or umbrella policy and homeowners policy written with the State Auto Insurance Companies.

Deductibles:

Optional Deductibles – The basic premiums are for a $250 deductible. The following options are available:

Pleasure Boat – (Boat and Miscellaneous Equipment only – Applies to Physical Damage Only)

Yacht — (Yacht, Equipment and Auxiliary Watercraft only—Applies to Physical Damage Only):

Deductible

$ 500

$1,000

$2,500

$5,000

• Personal Injury Liability
• Coverage B limit is increased to 20% of Coverage A
• Coverage C limit is increased to 75% of Coverage A
• Replacement Cost Coverage-Personal Property
• Specified Additional Amount of Insurance-Coverage A-25% (if Functional Replacement Cost Loss Settlement is not selected)
• $1,000 on Money
• $5,000 on Securities
• $2,000 on watercraft including trailers
• $3,000 on trailers not used with watercraft
• $2,500 per article for jewelry, watches and furs; $5,000 per occurrence
• $10,000 for loss by theft, misplacing or losing of firearms and related equipment
• $10,000 per occurrence for loss to silverware
• $10,000 on property on the “residence premises” used primarily for “business purposes”
• $2,000 for business property away from the premises-$10,000 for computer equipment.
• $2,000 for electronic apparatus while in or upon a motor vehicle not used in business.
• $1,500 for electronic apparatus not in or upon a motor vehicle used for business purposes.
• Vault Coverage-up to $25,000 coverage for securities, jewelry and silverware.
• Service Vehicle Coverage broadened for Section I and II
• Loss of Use Coverage-no dollar limit for a maximum of 24 months
• Debris removal-unlimited expense on certain property
• Debris removal has been broadened
• Trees, Shrubs and Plants has been broadened to $1,000 per tree
• Fire Department Service Charge-$1,000
• Credit Card, Transfer Card $10,000
• Loss Assessment Coverage-Section I or Section II $10,000
• Ordinance or Law Coverage increased to 25% of the Coverage A limit
• $5,000 Damage by Birds, Vermin or Rodents included if no infestation or nesting evident
• Freezer Contents-$1,000 with special $50 deductible
• Lock Replacement-$500 per loss $1,000 per term
• Rented Golf Cart-physical damage $5,000
• Arson, Fraud or Theft Rewards Coverage-up to $1,000
• Golf Cart Liability to and from golf course
• Outboard Motor Liability with 75 or less total horsepower
• Waterbed Liability
• $100,000 Volunteer Wrongful Acts Coverage
• Land Restoration Coverage-up to $5,000 for required excavation, replacement or stabilization
• HomeXtended (EX199)
• Identity Fraud Expense Coverage – $15,000 (HO4297)

• Personal Injury Liability
• Coverage C limit is increased to 70% of Coverage A
• Specified Additional Amount of Insurance-Coverage A-25% (if Functional Replacement Cost Loss Settlement is not selected)
• Replacement Cost Coverage-Personal Property
• $250 on Money
• $2,000 on Securities
• $2,000 on watercraft including trailers
• $2,000 on trailers not used with watercraft
• $2,000 per article for jewelry, watches and furs; $3,000 per occurrence
• $3,000 per occurrence for loss to silverware
• $2,500 for business property away from the premises which is “computer equipment”
• $10,000 for loss by theft, misplacing or losing of firearms and related equipment
• Service Vehicle Coverage broadened for Section I and II
• Debris removal has been broadened
• Trees, Shrubs and Plants has been broadened to $750
• Fire Department Service Charge-$1,000
• Credit Card, Transfer Card $3,000
• Loss Assessment Coverage-Section I or Section II $5,000
• Freezer Contents-$1,000 with special $50 deductible
• Lock Replacement-$250 per loss $500 per term
• Rented Golf Cart-physical damage-$5,000
• Arson, Fraud or Theft Rewards Coverage-up to $1,000
• Golf Cart Liability to and from golf course
• Outboard Motor Liability with 75 or less total horsepower
• Waterbed Liability
• Identity Fraud Expense Coverage – $15,000 (HO4297)

• The farther away the effective date on the quote the larger the discount. Cannot exceed more than 45 days away.

• The better your credit rating the higher the discount. Surcharge also possible for bad credit.

• Available if the property is newly purchased.

• Available if you have another State Auto policy or plan to have another policy within that term. Lost at renewal if never added.

• 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.

• Available if you have burglary alarm, Fire Alarm, Sprinkler system, Temperature monitoring.

• 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.