We Provide Homeowners a Choice
Our home products give you coverage choices that fit your lifestyle and your individual situation — whether you own or rent. There are different levels of coverage add-ons and extras, all with the unique possibilities of your life in mind. Talk to your independent insurance agent to make sure your policy covers those “what-if” moments.
Choose Your Level of Insurance Protection
In order to ensure your coverage meets your needs, we have three options available for you.
Standard
Basic home protection
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Protection Plus
Basic home protection plus a few extras
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Premier
Expanded high-limit protection
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Tips for talking with your agent:
1. Create a home inventory of your belongings.
2. Share a list of connected home devices you use.
3. Discuss other activities, like volunteering, or possessions, such as a boat or RV.
Enter your zip code to find a local agent
Homeowners
A traditional Homeowners Insurance Policy (an HO3 policy) can cover damage caused by elements (a.k.a. perils) such as fire, windstorms, hail, lightning and vandalism. You may also want to consider including other optional homeowner insurance coverages and policies depending on your personal needs. An important reminder — damage caused by floods and earthquakes typically will not be covered by basic homeowner insurance policies.
Condo
While your condo association may have an insurance policy, only condo insurance protects your personal property and personal liability. If your home happens to be a condo, we can offer you choices. Our Personal Home products give those who own condo the choice of three offerings — Standard, Protection Plus, and Premier.
How much of the condo do you own?
The answer depends on your condo association agreement (also called other fancy names like "Declaration of Condominium" or "Master Deed"). Your responsibility will typically fall into one of two main categories:
• “Air space” Ownership 
"Air space" Ownership (also called "paint-in" or "what I bring in"): You own the inside of the unit, starting from the unfinished interior surfaces - walls, floors, and ceilings. This generally does not include fixtures or built-in appliances. You might only be responsible for insuring your own belongings such as furniture, electronics, and clothing.
"Air space" Ownership (also called "paint-in" or "what I bring in"): You own the inside of the unit, starting from the unfinished interior surfaces - walls, floors, and ceilings. This generally does not include fixtures or built-in appliances. You might only be responsible for insuring your own belongings such as furniture, electronics, and clothing. • “Bare walls” Ownership "Bare walls" Ownership (also called "studs-in"): Your ownership is broader, starting from the roof trusses, floor slabs, and exterior walls of the building. This generally includes interior walls, stairs, doors, closets, cupboards, built-in appliances, and heating and cooling systems. You'll need broader insurance coverage for this type of condo agreement.
"Bare walls" Ownership (also called "studs-in"): Your ownership is broader, starting from the roof trusses, floor slabs, and exterior walls of the building. This generally includes interior walls, stairs, doors, closets, cupboards, built-in appliances, and heating and cooling systems. You'll need broader insurance coverage for this type of condo agreement. 
Renters
On the fence about renter’s insurance? You may think that your personal assets aren’t worth much, but without renters insurance, you could be paying big time in the event of a loss. Renter’s insurance helps you pay for repairs or replace property after things like:
Renter’s insurance helps you pay for repairs or replace property after things like:
- Theft
- Water damage
- Fire
It can also help protect you if you become liable for:
- Property damage
- Bodily injury
Learn more here.
Dwelling Fire
For some of your customers, a Dwelling Fire policy is exactly what they need as an alternative to a Homeowners policy — it covers much more than just fire for properties that may not be their primary residency. A Dwelling Fire policy may be beneficial for:
A Dwelling Fire policy may be beneficial for:
- Rental properties
- Seasonal homes
- Secondary homes
- Vacation homes
Additional Features:
- We allow for discounts – Fortified Home and Protective Devices (things like smoke detectors, security, and fire alarms).
- Customers don’t have to have their own house insured with us to have a Dwelling Fire policy.
- A Dwelling Fire policy allows customers to select the coverage they need – they can buy liability coverage on a Dwelling Fire, or they can insure just the building and no contents.
Learn more here.
Optional Homeowner Insurance Coverages
Blanket Personal Property
Coverage with one limit for everything in a category of items, such as jewelry, computers or firearms.
Coverage with one limit for everything in a category of items, such as jewelry, computers or firearms.
Earthquake
Coverage for damage to your home resulting from an earthquake.
Coverage for damage to your home resulting from an earthquake.
HomeXtended® Coverage Endorsement
Extra protection for your home and possessions (automatically included in Premier and can be purchased with Protection Plus policies; not available for Standard).Check out what you can get covered with our HomeXtended® Endorsement, all with no deductible:
Extra protection for your home and possessions (automatically included in Premier and can be purchased with Protection Plus policies; not available for Standard).
Check out what you can get covered with our HomeXtended® Endorsement, all with no deductible:
- Cell Phone Coverage: We pay for direct physical loss or damage to your cell phone while in your covered home (similar to the insurance that cell phone carriers offer).
- Computer Personal Records Coverage: Coverage is available to repay the cost to research, replace, or restore records on a computer destroyed by a covered loss.
- False Alarm Coverage: Coverage for charges incurred if your local police or fire department answers your false alarm.
- Fire Extinguisher Coverage: Coverage to recharge or replace fire extinguishers if they’re used in a fire.
- GPS Coverage: Coverage for direct physical loss or damage to your GPS.
- Increased ID Fraud Expense Coverage: Additional limit to the existing ID fraud protection.
- Mortgage and Related Extra Expense Coverage: Coverage for appraisal and application fees associated with a new mortgage and additional interest expense if you have a higher rate than what you had before.
- Personal Property-Business Use Coverage: Coverage for personal property on your residence premises used at any time for business purposes — Computers/laptops, monitor, desk, printers, tools, etc.
Learn more here.
Home-Sharing
While many homeowners get excited at the thought of making some extra money by listing their home or a room on a home-sharing network, most don't stop to consider if they're properly insured to do so. Our Home-Sharing Activities endorsement provides coverage for furnishings, theft, liability and medical expenses, and much more.Here are some highlights to having coverage with our Broadened Home-Sharing Host Activities Endorsement:
While many homeowners get excited at the thought of making some extra money by listing their home or a room on a home-sharing network, most don't stop to consider if they're properly insured to do so. Our Home-Sharing Activities endorsement provides coverage for furnishings, theft, liability and medical expenses, and much more.
Here are some highlights to having coverage with our Broadened Home-Sharing Host Activities Endorsement:
- Days Rented Out: Coverage for a whole home can be added if it’s rented up to 180 days per year (individual rooms or portions of a house can be rented out longer).
- Covers Up To $2,500 For Landlord’s Furnishings: Including TVs and furniture that may become damaged.
- Covers Loss Of Rental Value Due To A Covered Loss: If disaster strikes the property and there are already scheduled guests, this coverage will make up for the lost revenue.
- Liability Protection And Medical Expenses: Policy coverage if a guest is injured on your property, i.e. slips and falls.
- Coverage In Excess Of Other Insurance, Protection Plans, Or Guarantees: The home-sharing network might provide some coverage automatically, but this coverage will help pay for covered losses not paid by the home-sharing network.
- Theft On Rented Premises: Policy coverage if items are stolen from areas that are not being rented out/used by guests, such as your garage or personal bedroom.
- Covers Up To $1,000 For Home-Sharing Host Activities Damage To Property Of Others: If you’re renting your house, and there’s damage to the personal property of others.
Learn more here.
Home Systems Protection
With homes having more mechanical equipment and technology these days, the risk of inconvenient and costly breakdowns have increased. Our affordable Home Systems Protection coverage includes everything from AC units to computers to home security monitoring devices. Coverage applies to the cost to repair or replace the equipment and any other property damaged by the equipment breakdown. Types of covered systems and equipment:
With homes having more mechanical equipment and technology these days, the risk of inconvenient and costly breakdowns have increased. Our affordable Home Systems Protection coverage includes everything from AC units to computers to home security monitoring devices. Coverage applies to the cost to repair or replace the equipment and any other property damaged by the equipment breakdown.
Types of covered systems and equipment:
- Air-conditioning units
- Computers, furnaces, boilers, heat pumps
- Well pumps, installed sump pumps
- Pool and spa pumps Home security monitoring devices
Types of covered personal property:
- Kitchen and laundry appliances
- Computers
- Portable generators
- Home entertainment equipment
- Power tools
Learn more here.
Identity Fraud Expense
Anyone can be a target of identity theft, but you can trust StateAuto to provide the coverage and services you need.
State Auto’s Identity Fraud Program is available to all of our home, renter, condo, and Farm & Ranch policyholders. Identity Theft Recovery Services If you’re a victim of identity theft, a fraud specialist will work with you to help restore your identity. Designed to minimize your damage, stress and lost time, these services help return your life to normal as quickly as possible and can include:
Anyone can be a target of identity theft, but you can trust StateAuto to provide the coverage and services you need.
State Auto’s Identity Fraud Program is available to all of our home, renter, condo, and Farm & Ranch policyholders.
Identity Theft Recovery Services If you’re a victim of identity theft, a fraud specialist will work with you to help restore your identity. Designed to minimize your damage, stress and lost time, these services help return your life to normal as quickly as possible and can include:
- Assistance with credit reports
- Help with credit bureaus, collectors, government agencies and law enforcement
- Help rebuild your identity after a disaster such as a flood, hurricane or tornado
- And much more
Identity Theft Education and Prevention Assistance We provide you access to resources and fraud specialists to help prevent identity theft from happening. Even if you haven’t had your identity stolen, you can contact us with questions. Any situation or life event involving the use of personal information can expose you to identity thieves. Here are just a few of the many examples:
- Home robbery
- Marriage or divorce
- Active military duty
- Moving to a new home
- Travel
Identity Fraud Expense Coverage Up to $15,000 of coverage is available to pay for certain expenses resulting from identity fraud. This coverage is subject to a deductible and includes:
- Attorney fees
- Costs to notarize fraud affidavits and send certified mail
- Lost income for time off work to meet with law enforcement, credit agencies and legal counsel (maximum up to $200 per day/ $5,000 total.
Learn more here.
Ordinance or Law
Increased coverage available to pay for additional costs necessary to comply with the enforcement of an ordinance or law when rebuilding after a loss.
Increased coverage available to pay for additional costs necessary to comply with the enforcement of an ordinance or law when rebuilding after a loss.
Personal Injury
Liability coverage for Personal Injury to others, such as false arrest, malicious prosecution, wrongful eviction, slander, or libel.
Liability coverage for Personal Injury to others, such as false arrest, malicious prosecution, wrongful eviction, slander, or libel.
Schedule Personal Property
Optional coverage that provides “open perils” coverage for physical loss or damage to specifically described items, with a few exceptions.
Optional coverage that provides “open perils” coverage for physical loss or damage to specifically described items, with a few exceptions.
Service Line
A leak, break, tear, rupture or collapse could easily damage exterior underground pipes or wires. Our Service Line coverage helps pay for the repair or replacement of damaged lines. It will also help cover the expenses of a hotel during repairs or clean up. Our coverage is often more affordable than similar products offered by utility companies.Service Line Coverage will help cover unexpected expenses related to:
A leak, break, tear, rupture or collapse could easily damage exterior underground pipes or wires. Our Service Line coverage helps pay for the repair or replacement of damaged lines. It will also help cover the expenses of a hotel during repairs or clean up. Our coverage is often more affordable than similar products offered by utility companies.
Service Line Coverage will help cover unexpected expenses related to:
- Power lines and electrical wiring
- Drainage
- Waste disposal
- Steam piping
- Telephone and cable lines
- Water pipes
- Private wells and septic systems
- Fuel
- Sewer piping
… When damage is caused by:
- Corrosion
- Ground freeze
- Root invasion
- Lightning strike
- Landscaping accidents
- Rodent
Learn more here.
Water Backup
Coverage if water backs up through your sewer or drains, or if your sump pump stops working.
Coverage if water backs up through your sewer or drains, or if your sump pump stops working.
Discounts
We think saving money should be easy. We’re guessing you do, too. Here are some simple ways to save big on your personal home insurance.
| Advance Quote | Prior Carrier |
| Fortified Home | Protective Devices |
| Multi-Policy | Roof Construction |
| New Construction |
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Discounts
- Advance Quote: Have your agent provide a quote on your house or condo at least eight days before you actually need the policy to go into effect.
- Fortified Home: If your house or rental properties were built to protect against severe weather like hurricanes, high wind, and hail, and meets official FORTIFIED HomeTM program standards, you may qualify for this unique discount.
- Multi-Policy: Whether you rent or own, if you insure your home with us, you can get a discount by also having an Auto, Dwelling Fire1, or Umbrella2 policy. Bundling has benefits! The average customer can save up to 14%3 when they bundle their policies with us.
- New Construction: The year your home was built may benefit you.
- Prior Carrier: Rewards you for consistent insurance and longevity with your previous carrier.
- Protective Devices: Specific qualifying devices in your home, apartment, condo, or rental units can also help you save. Burglar alarms, central fire alarms, and more.
- Roof Construction: Based on the age of your roof and materials like tile, concrete, metal, or slate.
1 Dwelling Fire Insurance: Available for rental properties. 2 Umbrella: Adds an extra layer of protection over your Auto and Home insurance. 3 Discount may vary by state.
Learn more here.
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Additional Features
Self-Guided Property Inspection App
Our self-guided property inspection process will make sure we’re providing you with the most accurate coverage and help give you peace of mind. We’re bringing you a user- friendly app that will guide you through effortless self-service property inspections — it’s easy to do on your own time without needing to schedule an in-person inspection.
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Why use this app?
- Avoid Intrusive In-Person Inspections: Our self-guided inspection provides you the privacy of completing your property inspection request from the safety of your home — without the need for any in-person contact.
- Convenience: You can complete the inspection on your own time to eliminate the hassle of scheduling an in-person inspection. The average completion time is 25 minutes — and you have the ability to stop and start the process (just be sure to complete the inspection by the required due date).
- A Fuller Picture: Our self-guided property inspection process will assist us in providing a fuller picture of your property to help ensure we’re providing you with the right coverage.
- Interior & Exterior Property Data: Our Artificial Intelligence (AI) assistant will guide you through inspection workflows that cover both the inside and outside of your property. This will allow State Auto® to document the unique risks of your property at scale — including hazards, appliances, features, and more.
Learn more here.
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Related Products
Drive away knowing you're protected.
Our auto products give you coverage choices that fit your lifestyle — whether you’re hitting the road every day or just taking occasional trips.There’s no time like now to get a quote with State Auto, as we’ve improved our auto rates to help you save on your insurance. Talk to your independent insurance agent to get on the road to a better auto rate and coverage! Learn more here.
Our auto products give you coverage choices that fit your lifestyle — whether you’re hitting the road every day or just taking occasional trips.
There’s no time like now to get a quote with State Auto, as we’ve improved our auto rates to help you save on your insurance. Talk to your independent insurance agent to get on the road to a better auto rate and coverage! Learn more here. 
Earn an instant initial 10%5 participation discount - and you could earn up to 50% off of your auto renewal premium for a safe driving score.
5Discount may vary by stateYou’re a good driver, but if you’re not enrolled in State Auto Safety 360®, you could be paying up to 50% more for your auto insurance renewal premium and missing out on valuable benefits. Visit StateAuto.com/Safety360 to learn more! 5Availability and discounts may vary by state.
5Discount may vary by state
You’re a good driver, but if you’re not enrolled in State Auto Safety 360®, you could be paying up to 50% more for your auto insurance renewal premium and missing out on valuable benefits. Visit StateAuto.com/Safety360 to learn more! 5Availability and discounts may vary by state.
In the world we live in today, all of us are vulnerable to situations where we could be found liable. Just by the things we possess, we could become the targets of legal action and face potentially huge judgments — in addition to high legal defense costs. Our Personal Umbrella Liability policy complements and expands the coverage and limits of your present auto, homeowners, and other primary policies you own. What Does Umbrella Insurance Cover?
What Does Umbrella Insurance Cover?
- Liability, such as bodily injury, sickness or disease; libel, slander, invasion of privacy rights, false arrest or false imprisonment; wrongful detention, wrongful entry, wrongful eviction, or malicious prosecution.
- Property Damage Liability, including tangible damage to property, including loss of use.
- Defense Coverage: Legal costs can easily overwhelm personal savings and other assets. Your Personal Umbrella pays defense costs for any suit brought against you when coverage for the loss is provided by the Umbrella policy.
- Supplementary Payments: Your Personal Umbrella will pay other expenses that can be involved in conducting your legal defense. For example, it provides up to $250 per day for loss of wages or salary if we require you to attend hearings or trials. Also, payment of bond premiums is provided.
Learn more here.
Next to your skill as the skipper, nothing contributes more to your peace of mind while on the water than the right kind of policy insurance. We offer two different coverage packages for Pleasure Boats and Yachts that can easily be added to your homeowner policy.
- Pleasure Boat Coverage: For your watercraft 26 feet or less in length, including bass boats, pontoon boats, ski boats, cabin cruisers, open cockpits, sailboats, wave runners and jet skis.
- Yacht Coverage: For your watercraft over 26 feet in length.
Learn more here.
Tips for talking with your agent:
1. Create a home inventory of your belongings.
2. Share a list of connected home devices you use.
3. Discuss other activities, like volunteering, or possessions, such as a boat or RV.
Enter your zip code to find a local agent