State Auto Insurance Review: From an Industry Expert on Home Insurance - YA

new stucco home with orange lightsState Auto Insurance Logo

State Auto Insurance Review

Since its founding in 1921, State Auto has grown into a large insurance carrier with over $4.6 billion in assets. The carrier currently offers coverage in 33 states and distributes through thousands of independent agents.

The Products

While the name suggests they primarily sell auto insurance, State Auto is considered a "package carrier," and can handle all of your insurance needs, soup to nuts. You can insure your house, cars, vacation home, and even a farm or business under the State Auto brand.  Their policies follow the ISO standard forms used by most of the industry, which makes it easy for you to compare coverages. They offer standard add-ons, such as water back-up, identity theft coverage, and scheduled jewelry coverage.

The Pricing

State Auto is quite a competitive carrier on price and can often be the best-priced offering with well-rounded coverages. Mike LaRocco took the helm of State Auto in 2015, coming from an insurance technology company. Under his direction, State Auto has made significant investments in new digital platforms, cutting the paperwork that can be suffocating from age-old insurers. Because of this, State Auto has become data-savvy and is stripping costs out of its business. The new efforts mean smarter systems and more savings passed back to you, the customer.

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State Auto offers discounts for bundling, protective devices, advance quoting, and much more. They even partnered with Roost, offering their Home Telematics Program, which can help you mitigate loss by monitoring the vitals of your house (water lines, electricity, etc.). Customers can sign-up and receive a discount on their home insurance premium at checkout.

The Carrier

State Auto is rated A- by AM Best and has been on solid financial footing since its founding in the 1920s. I wouldn't worry about them going anywhere anytime soon.

The Claims

Policyholders can file a claim:

Pro tip: in the event of a loss, customers should take photographs, do the minimal amount necessary to prevent further loss, and save any relevant receipts. State Auto has been paying out claims for nearly a century, and its NAIC complaint ratio for homeowners insurance is 0.73, which is better than the industry median of 1.00. Excellent work, State Auto!

Where is State Auto Available?

State Auto Insurance state coverage map

The Reviews

State Auto has an A+ from the BBB and is slightly above average (and improving) from other financial rating sites.

In summary, don't be surprised if State Auto is your best option for home or auto insurance. They are competitive across product selection, price, and reviews.

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At your service,
Young Alfred

Disclosure: State Auto is one of the many options Young Alfred offers for home insurance. Young Alfred did not receive any compensation or direction from State Auto in writing this review.