STATE AUTO
General Information
States:
AL, AZ, GA, IL, IN, KY, MI, PA, SC, TN, TX, WV
Products:
Auto, Home, Rentals, RV, Motorcycle, Snowmobiles, Golf Carts, Antique Auto, Home, Ranch/Farm, Umbrella, Farm Umbrella
Contact Info:
IT Support: 800-288-4425, Option 4
Customer Service: 800-288-4425
Underwriting: 614-917-5947 (Brian Reynolds)
Billing: 800-288-4425, Option 2
Claims: 800-766-1853, Glass Claims: 888-504-4527
Codes and logins:
With State Auto, you’ll have your own individual login.
Shared codes are:
Unique to State Auto:
Their systems are totally paperless, including billing. Don’t put customers with State Auto if they prefer their billing and change documents to come by US mail.
AUTO
Policies terms can be 6- or 12-months.
Eligibility
• Look back is 35 months
• Will accept up to 4 incidents per household (Incidents = includes at-fault accidents, not-at-fault accidents, other than collision claims, minor, moderate and major violations. 1 major violation per household.)
• No major violations for any driver under 21.
• No SR22 for new business
• 100/300 limits or higher is preferred- do not place lower limits w State Auto
• No max on # of drivers/ vehicles
• Coverage for rented vehicles provides loss of use coverage for rental vehicles.
• Will take a lapse in coverage no restrictions on length. The lapse will however affect the rate.
Coverage
- 3 Levels of Coverage – Endorsements available for each level of coverage vary
Standard- Base ISO policy, may be endorsed w optional coverages: Loan Lease, Custom EQ, Increased TE, Roadside Assistance
Protection Plus includes–
Accident Forgiveness – begins year 5
Violation Forgiveness – begins year 3
AutoXtend Premier – waiver for some types of Physical Damage claims, waiver of UMPD ded, Personal Effects $500, Pet Coverage $500, cell phone $500, TE $10, Locksmith services $250, Emergency Travel Expense $600, Emergency Ambulance Expense $10,000
– Optional Endorsements w Protection Plus: Loan Lease, Custom EQ, Increased TE, Roadside Assistance, Full Glass, Auto Replacement Cost (vehicles 2 years or less. After 2 yrs, lesser of ACV for same model one year newer, or 120% of ACV), OEM parts, Rented Vehicle coverage
Premier –
Accident Forgiveness – begins year 3
Violation Forgiveness – begins after 1 year
Auto Extend Premier – waiver for some types of Physical Damage claims, waiver of UMPD ded, Personal Effects $500, Pet Coverage $750, cell phone $1000, TE $10, Locksmith services $250, Emergency Travel Expense $600, Emergency Ambulance Expense $25,000, Rented vehicle coverage.
– Optional Endorsements- same as Protection Plus - Transportation Driver Coverage (no passenger) available in all levels
- CustomFit program is for existing policies that have poor driving records.
Discounts
- Safety 360: Device plug in.
- Gets 10% discount up front can earn up to 50%. Updates to Safety Rating given at renewal.
- Must participate within 30 days to maintain 10% discount
- If device is not returned, $50 fee is charged.
- Early Quote gives 12% discount.
- Occupation may positively affect premium
Tips for quoting auto:
- Motorcycle and Rec. Vehicles on same product as Auto. Remarks section is for incidents to be listed. Would suggest only running MVR not putting them in. State Auto runs the MVR and credit and rates for them, you will not see violations or accidents listed.
- Comp and Collision can fall off when moving quote from EZLynx over so double check to make sure it is there.
- You need a driver’s license to quote.
- E-signature is required – State Auto will non-renew any policy for which it does not receive an e-signature. Insured will receive paper notice of non-renewal. They may call State Auto to complete e-signature, but the policy will not be automatically reinstated. Agent must request reinstatement.
HOME
Eligibility
• 3 yr look back – No more than 3 losses in past 3 yrs
• CANNOT see credit/ Losses history report. No disputes either.
• PC 1-10 –1-9 may have woodstoves, no woodstoves in a 10
• No Vacant/ Mobile or Manufactured Homes
• No log homes
• No daycares with a pool
• No Historic homes
• No homes in foreclosure
• No solid fuel device in an outbuilding
• Homes under construction must be for insured residence, Builder’s Risk endorsement must be attached, must be complete within 21 months.
• Modular ok for HO3 or Dwelling Fire
• Can write homes with 80% Replacement cost on MSB
• Trampoline/ Pools accepted. Pools with a 4’fence around yard or pool and diving board no more than 20” from ground. Slides ok w depth of 5’ or more. Above ground pools require locked gate or locking ladder
• Roofs 21+ yrs old require ACV
• Max coverage A is 2M
Coverage:
• 3 Levels of Coverage – All levels may be written as HO3,4,5 and 6
o Standard – May be written at 80% of RC.
o Protection Plus – Higher percentages on B,C and D. Must be 100% of RC.
o Premier – Higher percentages on B,C and D. Must be 100% of RC.
• ID theft on all Home and renter’s policy, $15k can endorse for more coverage.
• Boats all written on Home policy
• Dogs can be excluded through the Canine Exclusion form.
• Dwelling quotes are all manual and they do not save.
• Can write standalone dwelling and dwelling fire.
• HomeXtended Coverage Endorsement: Available w Protection Plus, Included in Premier – no deductible for some classes of Personal Prop and losses paid under the endorsement can’t be surcharged on the policy. If too many losses, underwriting could non-renew.
o Classes covered under HomeExtend- Cell phones, computers, persona records, business equipment.
• Home Based Business Endorsement is available
• Blanket Personal Property available- $25000, max per item $5,000.
Dwelling Fire
• Up to 6 per policyholder. Each must be on its own policy.
• 3 year look back
• Up to 3 losses ok
• Dwelling fire w pool ok. Same eligibility as HO3.
• All eligibility is same as home.
Discounts
• Homes purchased in last 12 months get a 15% discount.
• Central Alarm Discount= Alarm Certificate needed
• Prior carrier discount – Must have been w prior carrier at least 3 years. Discount increases up to 6 years.
• 8 days in advance quote gives 12% discount given. Rolling discount falls off after 5 yrs.
• Deeper Discounts from coming from a preferred carrier.
• Smart Home discount – Any smart technology that links to your phone
Tips for Quoting- OH, TX, IL
• At the end of the quote- click to receive FREE smart battery and water leakage detector and apply Smart Home discount to the policy.
Renters:
• H4 Multi-policy discount only given with $25,000 in pp.
• Min. premium for H4 is $140
Umbrella:
• Minimum Limits on Auto is 250/500; drivers 25 and under on the policy needs 500/500 limits and the higher.
• Minimum limits on Home $300k
• Both Auto and Home must be with State Auto (New product coming soon where need only Auto, home can have another carrier)
Farm:
• Any earning over $5000 in profit written on a farm policy. If a farm and not earning would be considered a home.
• No maximum acreage or earnings on farm policy.
Submitting New Business:
• Lookback three years, no more than three losses for both auto and home.
• Use customer
• Mock multi policy # for quote is XXX1234567
• Rental policy is a manual policy and quotes must be saved if not, they will be lost.
How to find the quote you started in EZLynx:
• Under New Quote> Policies> Advanced Filter> Select: EZLynx quotes.
Key Contacts:
Haley Benvenuto, Field Sales Rep.
c. 614-593-0781
f. 614-719-0357
email: Haley.Benvenuto@StateAuto.com
Brian Reynolds, Underwriter
p. 614-917-5947
email: Brian.Reynolds@StateAuto.com
HOME
Eligibility
• 3 yr look back – No more than 3 losses in past 3 yrs
• CANNOT see credit/ Losses history report. No disputes either.
• PC 1-10 –1-9 may have woodstoves, no woodstoves in a 10
• No Vacant/ Mobile or Manufactured Homes
• No log homes
• No daycares with a pool
• No Historic homes
• No homes in foreclosure
• No solid fuel device in an outbuilding
• Homes under construction must be for insured residence, Builder’s Risk endorsement must be attached, must be complete within 21 months.
• Modular ok for HO3 or Dwelling Fire
• Can write homes with 80% Replacement cost on MSB
• Trampoline/ Pools accepted. Pools with a 4’fence around yard or pool and diving board no more than 20” from ground. Slides ok w depth of 5’ or more. Above ground pools require locked gate or locking ladder
• Roofs 21+ yrs old require ACV
• Max coverage A is 2M
Coverage:
• 3 Levels of Coverage – All levels may be written as HO3,4,5 and 6
o Standard – May be written at 80% of RC.
o Protection Plus – Higher percentages on B,C and D. Must be 100% of RC.
o Premier – Higher percentages on B,C and D. Must be 100% of RC.
• ID theft on all Home and renter’s policy, $15k can endorse for more coverage.
• Boats all written on Home policy
• Dogs can be excluded through the Canine Exclusion form.
• Dwelling quotes are all manual and they do not save.
• Can write standalone dwelling and dwelling fire.
• HomeXtended Coverage Endorsement: Available w Protection Plus, Included in Premier – no deductible for some classes of Personal Prop and losses paid under the endorsement can’t be surcharged on the policy. If too many losses, underwriting could non-renew.
o Classes covered under HomeExtend- Cell phones, computers, persona records, business equipment.
• Home Based Business Endorsement is available
• Blanket Personal Property available- $25000, max per item $5,000.
Dwelling Fire
• Up to 6 per policyholder. Each must be on its own policy.
• 3 year look back
• Up to 3 losses ok
• Dwelling fire w pool ok. Same eligibility as HO3.
• All eligibility is same as home.
Discounts
• Homes purchased in last 12 months get a 15% discount.
• Central Alarm Discount= Alarm Certificate needed
• Prior carrier discount – Must have been w prior carrier at least 3 years. Discount increases up to 6 years.
• 8 days in advance quote gives 12% discount given. Rolling discount falls off after 5 yrs.
• Deeper Discounts from coming from a preferred carrier.
• Smart Home discount – Any smart technology that links to your phone
Tips for Quoting- OH, TX, IL
• At the end of the quote- click to receive FREE smart battery and water leakage detector and apply Smart Home discount to the policy.
Renters:
• H4 Multi-policy discount only given with $25,000 in pp.
• Min. premium for H4 is $140