Home Insurance
Giving you what you need most in home insurance – a choice.
From basic to the best, we have you covered
- Choose your level of insurance protection:
- Standard - Get the basics with some key optional coverages, like ID Theft protection and Replacement Cost for Personal Property.
- Protection Plus - A step up from the basics with additional and expanded key coverages. You also have the option to add our HomeXtended® Coverages Endorsement.
- Premier - When you need the best. Expanded coverages with higher limits, including special items like silverware and jewelry. Our HomeXtended® Endorsement is automatically included.
- Customize to fit your home and your life:
- Renters insurance policies - choose from three levels of protection
- Condo owners insurance - purchase specific policies for your needs
- Enhanced HomeXtended Coverages Endorsement is automatically included in Protection Plus and Premier. This includes must-have coverages for your cell phone, personal records and identity fraud.
- Identity Fraud Expense Coverage can also be added to Standard level policies (included in Protection Plus and Premier).
- Get both your home and auto insurance together and save money with our Multi-Policy discount. And, add our State Auto Safety 360sm telematics program to your auto insurance policy, and you could earn a discount of up to 50%!
- Have a smart home? You could get the Smart Home discount or enroll in our Roost program, which offers FREE smart home devices. *Roost is available for Illinois & Ohio Connect customers only.
- Fortified Home Discount offers additional savings for homes built to FORTIFIED standards.
- See the list of additional discounts you could get on your home insurance.
- Choose your level of insurance protection:
- Standard - Get the basics with some key optional coverages, like ID Theft protection and Replacement Cost for Personal Property.
- Protection Plus - A step up from the basics with additional and expanded key coverages. You also have the option to add our HomeXtended® Coverages Endorsement.
- Premier - When you need the best. Expanded coverages with higher limits, including special items like silverware and jewelry. Our HomeXtended® Endorsement is automatically included.
- Customize to fit your home and your life:
- Renters insurance policies - choose from three levels of protection
- Condo owners insurance - purchase specific policies for your needs
- Enhanced HomeXtended Coverages Endorsement is automatically included in Protection Plus and Premier. This includes must-have coverages for your cell phone, personal records and identity fraud.
- Identity Fraud Expense Coverage can also be added to Standard level policies (included in Protection Plus and Premier).
- Get both your home and auto insurance together and save money with our Multi-Policy discount. And, add our State Auto Safety 360sm telematics program to your auto insurance policy, and you could earn a discount of up to 50%!
- Have a smart home? You could get the Smart Home discount or enroll in our Roost program, which offers FREE smart home devices. *Roost is available for Illinois & Ohio Connect customers only.
- Fortified Home Discount offers additional savings for homes built to FORTIFIED standards.
- See the list of additional discounts you could get on your home insurance.
- Choose your level of insurance protection:
Tips for talking with your agent
- Create a home inventory of your belongings.
- Share a list of connected home devices you use.
- Discuss other activities, like volunteering, or possessions, like a boat or RV.
