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PERSONAL INSURANCE

Product Catalog

What's Your Story?

AUTO03 Rob's Story05 Matt & Katie's Story07 Bryan's Story09 Offerings11 Options13 AutoXtended® Endorsement15 Discounts17 Kyle & Amy's Story19 State Auto Safety 360SM Telematics Program

HOME23 Know Your Coverages25 Dave & John's Story27 Standard Offerings29 Standard Options31 Joni's Story33 Protection Plus Offerings37 Walt & Vicki's Story39 Premier Offerings45 Lauri's Story47 Renters Offerings53 Jan & Linda's Story55 Condo Offerings61 HomeXtended® Endorsement63 Discounts

UMBRELLA69 Stephanie's Story71 Eligibility73 Offerings75 Options76 Discounts & Credits

PERSONAL LINESTABLE OF CONTENTS

II

You can't see it, or touch it. And, most of the time, you hopefully won't need to use it. But it has to be right. The peace of mind from knowing it's there when the unexpected happens — that's what insurance is all about.

Welcome to the State Auto® experience.

We give you choices. It starts with the independent agent you choose as your advisor and advocate. There's a reason you can only get State Auto products through one of our agent partners — they are best able to help you make the right choice for your needs.

Our products give you choice of coverage that fits your lifestyle and your individual situation. There are different levels of coverage add-ons and extras, all with the unique possibilities of your life in mind. No matter your story, we want you to be a part of ours.

Use these stories to guide you through our product offerings and find the coverage that works best for you.

We want you to be a part of the State Auto story. Add your story to our collection to celebrate the unique and vastly different stories of people we protect at StateAuto.com/Story.

Insurance is a different kind of purchase.

PERSONAL LINESINTRODUCTION

III

AU

TO> Tameron’s Story> Michelle & Nathan's Story> Bryan’s Story> Offerings> Options

CONTENTS

> Tameron’s Story> Michelle & Nathan's Story> Bryan’s Story> Offerings> Options

> AutoXtended® Endorsement> Discounts> Kim & Amy’s Story> State Auto Safety 360SM Telematics Program

TAMERON

AGE 25

CAREER Entry-level computer tech@ a start-up

PERSONAL LINES AUTOSTANDARD

3

STANDARD

I can’t believe it’s already been a year since I graduated from college! I’m pumped because I just landed a new entry-level job at a tech start-up company. Going to work in jeans and

a T-shirt every day makes transitioning from college to full-time work so much easier.

I live in a small apartment near the city and just bought my first new car. I love driving it, but I also use Uber® a lot when I’m grabbing drinks with my friends. My parents want me to have AAA® road service, but my parents’ independent insurance agent told me that State Auto offers an option to add Roadside Assistance through their Standard Personal Auto product offering.

My agent also told me I could get a discount if I installed State Auto’s telematics product in my car. My parents use it, and they want me to since it will help me become more aware of my driving habits and may help me be an even safer driver. Dependable insurance for my new car that won’t break the bank. That’s my kind of insurance.

PERSONAL LINES AUTOPROTECTION PLUS

W e finally were able to buy the used SUV we’ve been wanting. We needed more space for friends and family, including our adorable baby son – the cutest

in the world!

We’re also very active, and haul things like bikes, skis and kayaks for long weekends away. We definitely wanted upgraded safety and technology packages, too. And because we had a really bad experience with a prior car repair, we wanted to make sure our insurance gave us replacement cost coverage, as well as coverage for original equipment manufacturer parts.

Our amazing independent insurance agent recommended State Auto’s Protection Plus Auto product offering, since it gives us really great coverage at a cost we can afford. We even have some cool extras, like cell phone, rented vehicle and pet coverage (we love our dog Stella!) through the AutoXtended Plus Coverages Endorsement.

The Protection Plus offering is perfect for us since we want to feel protected and also have plenty of spending money for our ski trips and lake weekends. This is our kind of insurance.

MICHELLE& NATHAN

AGES 32 & 36

CAREERS IT & social media

PROTECTION PLUS+ AutoXtended® Plus

Coverages Endorsement

Click herefor the extras.

>

6

PERSONAL LINES AUTOPREMIER

BRYAN

AGE 52

CAREER Marketing director

7

+ AutoXtended® PremierCoverages Endorsement

The same

Protection Plus

extras but with

even higher limits.

>PREMIER lI ’m a single father, and between my career and children

I practically live in my car. My youngest daughter plays lacrosse in high school on the other side of town, my other

daughter is in college two states away, and my son is married with a child and lives in another state as well.

I wanted increased protection while I’m on the road, like emergency travel, emergency ambulance and increased transportation expense. And since I’m on the move a lot, I needed to make sure my personal items were covered, too.

My agent told me I could have this type of enhanced coverage with the AutoXtended Premier Coverages Endorsement that’s included in State Auto’s Premier Auto product offering. I have higher limits on all the extras and the option to add things like Roadside Assistance and Full Safety Glass Coverage. And believe me, that is a must with all the construction I’ve driven through.

Peace of mind on the road and while visiting my kids. That’s why I chose State Auto.

Pays medical bills for you and others, including doctor, hospital and surgical expenses, without regard to negligence.

MEDICALPAYMENTS

Covers your liability to others for bodily injury or property damage for which you are legally at fault.

LIABILITY

For damage to your auto resulting from an accident.

COLLISION

Pays for bodily injury and property damage* resulting from a hit-and-run driver, a driver with no insurance or a driver who is inadequately insured.

UNINSURED/UNDERINSURED

MOTORISTS

Our Standard, Protection Plus and Premier offerings all come with these important coverages:

For damage to your auto cause by a wide range of perils other than impact with another vehicle or object (example: theft or vandalism).

OTHER THAN COLLISION

PERSONAL LINES AUTOOFFERINGS

9

for definite peace of mind

PERSONAL LINES AUTOOPTIONS

S PP P = Standard = Protection Plus = Premier

For an additional premium, coverage is provided with no deductible to repair or replace glass used in a windshield, doors and windows of a vehicle, as well as any material used on lights.

FULL SAFETY GLASS

PP P

ROADSIDE ASSISTANCE

For an additional premium, this endorsement provides towing service to the location of your choice from the site of disablement and these additional coverages:

• Removal of vehicle disabled on a public road• Delivery of supplies

including oil, water and fuel• Battery jump start• Tire change or

inflation• Lockout service

up to $100

PPS

P

PP P

MINOR VIOLATIONFORGIVENESS

Automatically provided if you met the tenure and violation-free requirements. First violation will be waived.*

PP P

ACCIDENT FORGIVENESS BENEFIT

Automatically provided if you met the tenure and accident-free requirements. First at-fault accident will be waived.*

PP P

ORIGINAL EQUIPMENTMANUFACTURER PARTS

For an additional premium, coverage for the use of original equipment manufacturer parts available in the event of a covered loss. Applies to any auto that is less than 10 years old and is listed on the declaration page.

PP P

AUTO REPLACEMENT COSTCOMBINED WITH

TOTAL LOSS PLUSSM

For an additional premium, auto replacement cost coverage is available for vehicles that are within 2 model years of the policy date. Total Loss Plus coverage is an enhancement for vehicles that no longer qualify for Auto Replacement Cost coverage and are deemed a total loss.

KEY* In the event of a second violation, the waiver will be removed and both violations will be surcharged at renewal. Coverage options vary by state.11

Our Enhanced AutoXtended® Coverages Endorsement provides a single bundle of extra coverage.

• AutoXtended Plus is included under Protection Plus offering• AutoXtended Premier is included under Premier offering • AutoXtended is not available under the Standard offering

* Included with no specific limit

COVERAGE AUTOXTENDED PLUS AUTOXTENDED PREMIERBail bonds $350 $500

First aid to others * *

Reasonable attorney fees $50 $200

Waiving of deductible for Collision * *

Waive deductible OTC * *

Waive deductible UMPD * *

Customizing equipment $1,500 $1,500

Personal effects $250 $500

Pet coverage $500 $750

Cell phone ACV / $500 Max RC / Max $1,000

GPS ACV / $500 Max RC / Max $1,000

Rented vehicle coverageNo dollar limit Reasonable cost (diminution in value)

No dollar limit Reasonable cost(diminution in value)

Increased transportation expense Additional $10/max $300 Additional $20/max $600

Locksmith/Key replacement $250 $500

Emergency ambulance $10,000 $25,000

Emergency travel $600 more than 100 miles $600 more than 100 miles

Total disability $200/weekMax 50 weeks

$200/weekMax 52 weeks

Death indemnity $20,000/$40,000 $50,000/$100,000

PERSONAL LINES AUTOAUTOXTENDED® ENDORSEMENT

13

AUTOXTENDED® ENDORSEMENT

PERSONAL LINES AUTODISCOUNTS

Must have two or more of the following on the same policy:

• Private passenger auto• Motor home• Registered golf cart• Registered off-road vehicle• Classic regular use vehicle

MULTI-CAR

• Payment plan is paid in full

PAID IN FULL

• At least one vehicle on the policy is a Private Passenger Auto, Motor Home, Regular Use Classic/Antique Auto or Motorcycle

• Must be 21 or older with an active license and certification for an Accident Prevention Course in the past 36 months

ACCIDENT PREVENTIONCOURSE

• Must have a private passenger auto on the policy

• Available for drivers under the age of 21*

DRIVER TRAINING

Because you deserve more for your money.

• Vehicle is a private passenger auto

• Model year is 1996 or newer• You have indicated vehicle

participation in UBI (Usage-based insurance)

STATE AUTO SAFETY 360SM

TELEMATICS PROGRAM

• Quote must be eight or more days in advance of the effective date (based on original quote date)

• Quote takes into account the type of prior carrier and length of time with the most recent carrier

STATE AUTO START-UP

• Employees, immediate family members and retirees of State Auto qualify

STATE AUTO EMPLOYEE

Discount applies to insureds that have the following eligible policies written with State Auto:

• Homeowners• Umbrella• Farm and Ranch• Commercial

MULTI-POLICY

• Drivers under age 24 enrolled as a full-time student

• Maintains a B/3.0 average• License must be active

GOOD STUDENTANTI-THEFT DEVICEANTI-THEFT DEVICE

• Vehicle is a private passenger auto or motor home

• Not derived from the VIN• You are able to select active or

passive

ANTI-THEFT DEVICE

15 * Driver training discount age will vary by state.

PERSONAL LINES AUTOSTATE AUTO SAFETY 360SM

M y girlfriend and I were looking for ways to save money for our next trip out of the country (Italy!). We were thrilled when our State Auto insurance agent

told us there was a new way to get a discount on our auto insurance.

She told us that if we signed up for the State Auto Safety 360 telematics program, we may get up to 10 percent off our auto premium just for signing up. She said it may make us more aware of our driving habits, and in turn may make us safer drivers. I’ll admit, I’m a lead foot and Amy tailgates, so she is frequently hard braking – drives me nuts!

We just plugged the device in under the dash in our cars. It records some of our driving habits, like speed, braking, acceleration and time of day. The data is securely transferred. At renewal, we can get up to a 50 percent discount, based on our driving score.

Amy and I bet every month who will get a better score – and discount. We’ve both become safer drivers and saved a lot of money that we can use in Italy. Fantastico!


18

KIM& AMY

AGES 30 & 26

CAREERS School teachers

You fight traffic every day. And with distracted driving on the rise, safety is on everyone’s mind.

State Auto Safety 360SM may help you stay safer on the road. And, you may even earn a discount

on your auto insurance premium.

Why State Auto Safety 360SM telematics?

Discounts

Safety

You could receive up to a 10% participation discount once enrolled. You then could earn up to a 50% premium discount at renewal, depending on your driving score.

Gain insight into your personal driving habits, which may help you stay safer on the roads.

More accurate and personalized pricing options for you, rather than a one-size-fits-all rate based on criteria of age, marital status, etc.

& more potential benefits!

Like improved driving skills and habits and a reduction in fuel costs.

PERSONAL LINES AUTOSTATE AUTO SAFETY 360SM

123

19

Personalized rates

SM


How does it work?

Once enrolled, you’ll receive an email confirmation and a device in the mail within seven to 10 business days.

The device is then easily installed/plugged in under the driver’s side dash in your vehicle.

Start driving, review your results and track your score!

123 Your dongle

!

We take your privacy seriously

Your privacy is important. Octo® telematics is our trusted partner that provides the device and secure services. Data is stored securely.

We are your resource

Check out StateAuto.com/Safety360 to find:• FAQs• How-To videos: installing the device and checking your driving score• Graphics and infographics• Educational articles about the use of telematics in the auto insurance

industry

* Available for new Personal Lines Auto policies. Availability may vary by state.

>

l

HO

ME > Know Your Coverages

> Kevin & Grant's Story> Standard Offerings> Standard Options> Joni’s Story> Protection Plus Offerings

CONTENTS

> Know Your Coverages> Kevin & Grant's Story> Standard Offerings> Standard Options> Joni’s Story> Protection Plus Offerings

ADamage to house

BOther

Structures

CPersonal Property

The coverages in a home insurance policy are labeled by letters A-F. Here's what each letter covers:

DAdditional Living

Expenses & Loss of Use

EPersonal Liability

FMedicalExpense

KNOW YOUR COVERAGES & POLICIES

24

Home insurance policies are labeled by the code HO or DP. Here's what each covers:

HO3Named Peril Open Peril

Home PolicyDwelling Fire

Form 1Dwelling Fire

Form 2Dwelling Fire

Form 3

HO4 HO5 HO6 DP1 DP2 DP3Renters Policy Condo Policy

>

Most common; covers open perils on home and named perils on personal property

One of the best you can get!

>- lBasic Named Perils Policy for landlords/rentals

>-

Most common Named Perils Policy for landlords/rentals

>-

The best Open Peril Policy for landlords/rentals

>-

PERSONAL LINES HOMECOVERAGES & POLICIES

PERSONAL LINES HOMESTANDARD

KEVIN & GRANT

AGES 28 & 27

CAREERS Real estate agent & high school band teacher

25

W e absolutely love our bungalow, but we also LOVE to travel. We both desire to spend more time and money on “experiences,” and less on material

things. We recently bought an affordable home in an up-and-coming neighborhood close to downtown. We knew we could spruce it up, even on a budget. We’ve been fixing it up and decorating it with some cool things we found in estate sales and during our travels overseas. Even though we don’t have an expensive house, we still want to make sure we are financially protected in case something crazy would happen.

Our agent told us to consider State Auto, because they offer a Standard Personal Lines Home product. You know, the basics – but with peace of mind. We have protection for our house and our personal property, including things like jewelry and our portable electronics, and even some coverage for credit cards while we’re traveling. Owning a home and still being able to travel were must-haves. State Auto is the icing on the cake.

10% of Coverage A limit for Coverage B Other Structures

BCOVERAGE B

50% of your Coverage A limit for Coverage C Personal Property

COVERAGE C

C

30% of your Coverage A limit for Coverage D Loss of Use

COVERAGE D

D

Additional Living Expenses/Fair Rental Value Option

LIVING EXPENSES/FAIR RENTAL VALUE

PERSONAL LINES HOMESTANDARD

Our Standard offering comes with these key coverages:

Open Peril Personal Property Available

OPEN PERIL

Know your coverages

ADamage to house

BOther

Structures

DAdditional Living


CPersonal Property

EPersonal Liability

FMedicalExpense

27

Increased Horsepower for Outboard Motor Liability

OUTBOARD MOTOR LIABILITY

$1,500 for Watercraft and Jewelry

WATERCRAFT& JEWELRY

Protecting your identity is a must in today’s world. Identity fraud expense coverage provides you with recovery services, education and prevention assistance, and fraud expense coverage up to $15,000.

IDENTITY THEFTPROTECTION

This endorsement provides Replacement Cost Coverage for Coverage C.

REPLACEMENT COST

Provides liability coverage for Personal Injury to others: false arrest, malicious prosecution, wrongful eviction, slander, libel or violations of right of privacy.

PERSONAL INJURY

C

for an additional premium.

PERSONAL LINES HOMESTANDARD OPTIONAL COVERAGES

Know your coverages

ADamage to house

BOther

Structures

DAdditional Living


CPersonal Property

EPersonal Liability

FMedicalExpense

29

STANDARD OPTIONAL COVERAGES

PERSONAL LINES HOMEPROTECTION PLUS

M y business is booming! Last year, I was able to buy an investment property I could rent out a few hours away at my favorite beach. The extra money from

the rental covers the house payment and my vacations. I already had insurance for my main home through another company when I bought the rental, so I didn’t want to switch. But, I found out that State Auto was willing to provide insurance for my rental property even though I didn't have my home insured with them. When my insurance came up for renewal this year, I asked my agent to quote both homes through State Auto. He recommended their Protection Plus product because it offered enhanced coverages through the HomeXtended Coverages Endorsement. It even includes extra coverage for the home I live in — up to 25 percent more — if it costs more to rebuild it after a loss than I have it insured for.

The beach, yoga and peace of mind. Life is good. Om.

+ HomeXtended®


You'll want to add these

extras!

JONI

AGE 45

CAREER Yoga studio chain owner

32

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Expanded Coverage C

COVERAGE C

C

Specified Additional Limit of Coverage A

COVERAGE A

A

Identity Fraud Expense up to $15,000

IDENTITY FRAUD


Our Protection Plus offering comes with these key coverages:

Freezer contents $1,000

FREEZERCONTENTS

Know your coverages

ADamage to house

BOther

Structures

DAdditional Living


CPersonal Property

EPersonal Liability

FMedicalExpense

Wait... there’s more! >

+ HomeXtended®



extras!

33

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Watercraft and watercraft trailer coverage up to $2,000

WATERCRAFT

Golf Cart Liability and Rented golf cart coverage up to $5,000

GOLF CART

l

Computer Equipment Off Premises Used in Business up to $2,500 ($500 in Standard)

$3,000 for Credit Cards ($500 in Standard)

Personal Injury Liability

$5,000 Loss Assessment ($1,000 in Standard)

CREDIT CARDSCOMPUTER EQUIPMENT

LOSS ASSESSMENT

PERSONAL INJURY

Work at home?Home business and other endorsements are available based on the business useof your home.


And you automatically get these in Protection Plus, too:

Lock Replacement Debris Removal Fire Department Service Charge

LOCK

And more!

FIRE DEPARTMENTDEBRIS

Know your coverages

ADamage to house

BOther

Structures

DAdditional Living


CPersonal Property

EPersonal Liability

FMedicalExpense

+ HomeXtended®



extras!

35

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PERSONAL LINES HOMEPREMIER

WALT & VICKI

AGES 57 & 60

CAREERS Retired from government jobs, run small home business

37

+ HomeXtended®


This is INCLUDED with

Premier coverage!

>l

W e both worked government jobs for 30 years and retired early. But we’re active, so we started a home business helping homeowners create backyard

sanctuaries. We have a lot of assets to insure. Our dream house is paid off, and we have a boat. Living on the golf course also allows us to play the game we love. Our agent suggested the Premier Home product through State Auto. We would have protection for both our home and business, and extra coverage with higher limits through the HomeXtended Coverages Endorsement (automatically included). It gives us the extras, like Cell Phone coverage, Lock Replacement, $2,500 coverage for jewelry and $10,000 coverage for silverware. Credit Cards, Business Property on Premises and Computer Equipment Off Premises Used in Business are also protected at a $10,000 limit each. We even have liability coverage while driving our golf cart to the clubhouse, and we can also protect our boat. All of this on one policy. Being retired you want no worries. State Auto has helped us achieve that.

Specified Additional Limit of Coverage A

Expanded Coverage B Unlimited Coverage D Expense

Open Peril Coverage C

COVERAGE BCOVERAGE A COVERAGE C COVERAGE D

A B C D

You also get all the benefits of our Protection Plus offering:> Replacement Cost on Coverage C> Personal Injury Coverage

> Watercraft Liability> And more!


Increased Limits for Business

Coverage for golfers Loss Assessment — up to $10,000

BUSINESS LOSSASSESSMENTGOLFERS

Volunteer Wrongful Acts — up to $100,000

Our Premier offering comes with these key coverages:

VOLUNTEER

Know your coverages

ADamage to house

BOther

Structures

DAdditional Living


CPersonal Property

EPersonal Liability

FMedicalExpense

+ HomeXtended®



Premier coverage!

Wait... there’s more!

39

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Vault coverage: $25,000

Silverware: $10,000 Securities: $5,000

SILVERWARE SECURITIESVAULT



Jewelry: $2,500/$5,000and includes misplaced jewelry coverage

JEWELRY

$10,000 for Credit Cards

Additional Living Expense up to 24 months

LIVING EXPENSE

And you automatically get these in Premier, too:

CREDIT CARDS

Know your coverages

ADamage to house

BOther

Structures

DAdditional Living


CPersonal Property

EPersonal Liability

FMedicalExpense

+ HomeXtended®



Premier coverage!

41

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I just sold a condo and bought a new house — and adopted a baby. Exciting and stressful at the same time. My condo sold fast,

COVERAGE/BENEFIT STANDARD (HOME)

PROTECTION PLUS(HOME)

PREMIER(HOME)

Additional Living Expense Shortest Time Shortest Time 24 Months

Arson, Fraud Reward Not Available $1,000 $1,000Business Property On Premises $2,500 $2,500 $10,000

Business Property Off Premises $1,500 $1,500 $2,000

Computer Equipment Off Premises Used in Business

$500 $2,500 $10,000

Coverage B Other Structures 10% of Coverage A 10% of Coverage A 20% of Coverage A

Coverage C Personal Property 50% of Coverage A 70% of Coverage A 75% of Coverage A

Coverage D Loss of Use 30% of Coverage C 30% of Coverage C Unlimited up to 24 months

Credit Cards $500 $3,000 $10,000Debris Removal for Fallen Trees - Expanded Not Available Included Included

Debris Removal - Unlimited Expense Not Available Not Available Included

Fire Department Service Charge $500 $1,000 $1,000

Firearms (Theft) $2,500 $2,500 $5,000Freezer Contents ($50 Deductible) Not Available $1,000 $1,000

Golf Cart Liability to and from Golf Course on Public Roads

Not Available Included Included

Golf Cart - Owned, Physical Damage ACV Not Available Not Available Not Available

Golf Cart - Rented Not Available $5,000 $5,000

HomeXtended® Not Available Available IncludedIndentity Fraud Expense Available $15,000 $15,000

Jewelry, Watches, Furs (Theft) $1,500 $2,000/$3,000 $2,500/$5,000

Land Restoration Not Available Not Available $5,000

COVERAGE/BENEFIT STANDARD (HOME)

PROTECTION PLUS(HOME)

PREMIER(HOME)

Lock Replacement Not Available $250/$500 $500/$1,000Loss Assessment Section I or II $1,000 $5,000 $10,000

Money $200 $250 $1,000Open Peril Personal Property Suggested Suggested Included

Ordinance or Law 10% 10% 25%

Personal Injury Liability Available Included IncludedPortable Electronic Equipment $1,500 $1,500 $2,000

Recreational Vehicle Liability Not Available Not Available Not Available

Replacement Cost Coverage C Available Included Included

Rodent, Birds & Vermin Not Available Not Available $5,000

Securities $1,500 $2,000 $5,000Service Vehicle Coverage Section I and II

Included Included Included

Silverware $2,500 $3,000 $10,000Special Additional Amount of Coverage A Not Available 25% 25%

Trailers Not Used with Watercraft $1,500 $2,000 $3,000

Trees/Shrubs Replacement $500 $750 $1,000

Vault Coverage for Jewelry, Securities and Silverware

Not Available Not Available $25,000

Volunteer Wrongful Acts Suggested Suggested $100,000

Waterbed Liability Not Available Included Included

Watercraft $1,500 $2,000 $2,000Watercraft Liability - Outboard Motor 75 Horsepower or Less


PERSONAL LINES HOMEHOME

We have three options when it comes to protecting your home: Standard, Protection Plus and Premier.

43

PERSONAL LINES HOMERENTERS

I just sold a condo and bought a new house — and adopted a baby. Exciting and stressful at the same time. My condo sold fast, and the new house closing was delayed. So, I

signed a short-term apartment lease and got a storage unit. When I called my insurance agent to cancel my Condo policy, she asked about renters insurance. I’ve been so stressed moving, that I didn’t think of that. Renters insurance would cover my property in my apartment, and also items in storage. As a bonus, I’d even have $1,500 coverage for my laptop if it was stolen when I was using it out on the town. She suggested State Auto for the Renters policy, since that’s where I had my condo insured. I could get basic coverage through Standard Renters, or I could get the best with Premier. I opted for the middle Protection Plus offering since I needed additional coverages and some higher limits. And since my auto insurance is already with State Auto, I’d still get the Multi-Policy discount. State Auto has lessened the stress of a double-move, and now will be insuring my new home. Two less things to worry about.

HomeXtended®


AMALIYA

AGE 40

CAREER Social mediadirector

+ HomeXtended®

Coverages Endorsement+You'll want to add these extras with Renters Protection Plus!(INCLUDED with Renters Premier)

46

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Increased Loss Assessment Coverage, $5,000 for Loss Assessment

Expanded Coverage C Identity Fraud Expense up to $15,000

COVERAGE C IDENTITY FRAUD

CLOSS

ASSESSMENT


47

Golf Cart Liability and Rented golf cart coverage up to $5,000

GOLF CART

Watercraft and watercraft trailer coverage up to $2,000

Freezer contents $1,000

WATERCRAFT FREEZERCONTENTS

Our Renters Protection Plus offering comes with these key coverages:

Know your coverages

ADamage to house

BOther

Structures

DAdditional Living


CPersonal Property

EPersonal Liability

FMedicalExpense


+ HomeXtended®


>l

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$3,000 for Credit Cards ($500 in Standard)

CREDIT CARDS

Computer Equipment Off Premises Used in Business up to $2,500

Personal Injury Liability

COMPUTEREQUIPMENT

PERSONALINJURY



49

And you automatically get these in Renters Protection Plus, too:

Lock Replacement

LOCKS

Fire Department Service Charge up to $1,000

FIRE DEPARTMENT

Know your coverages

ADamage to house

BOther

Structures

DAdditional Living


CPersonal Property

EPersonal Liability

FMedicalExpense

+ HomeXtended®


>l

The choice to rent shouldn’t limit your choices in home insurance. We offer you three levels or protection, including: Standard, Protection Plus and Premier.


51

+ HomeXtended®


>l

COVERAGE/BENEFIT STANDARD (RENTERS)

PROTECTION PLUS(RENTERS)

PREMIER(RENTERS)





$500 $2,500 $10,000












Lock Replacement Not Available $250/$500 $500/$1,000

COVERAGE/BENEFIT STANDARD (RENTERS)

PROTECTION PLUS(RENTERS)

PREMIER(RENTERS)

Loss Assessment Section I or II $1,000 $5,000 $10,000

Money $200 $250 $1,000Open Peril Personal Property Available Available Included








Silverware $2,500 $3,000 $10,000Trailers Not Used with Watercraft $1,500 $2,000 $3,000




Volunteer Wrongful Acts Available Available $100,000




PERSONAL LINES HOMECONDO

53

JAN & LINDA

AGES 70 & 72

CAREERS Retired nurses

+ HomeXtended®

Coverages Endorsement+This is INCLUDED with

Condo Premier coverage!

>l

A fter we retired, we sold our house because it was just too big. To be honest, we were DONE with yard work. Renting wasn’t an option since we didn’t want to share

walls, and we still wanted our own private space. We decided on a detached condo.

Several months ago, a neighbor left a cigarette burning and it not only burned down their condo, but also damaged several units, including ours, which had to be rebuilt. Our insurance agent told us our neighbor was responsible but may not have enough coverage; we had to use our insurance for our loss. Thankfully, we had State Auto’s Condo Premier level of insurance, which included coverage for us to rent another condo to live in while ours was being repaired. Our agent says it would have covered us for up to two years, if it took that long. Additionally, because our Premier coverage includes the HomeXtended Coverages, we have a total of $25,000 to cover expenses if one of our identities get stolen. We’re so thankful for State Auto. After several months, we’re moving back into our condo. And, financially, we’re still OK.

Open Peril Coverage C Unlimited Coverage D Expense

Increased Limits for Business - $10,000 for business property on premises and $10,000 computer equipment off premises used in your business

COVERAGE D BUSINESS

DCOVERAGE C

C



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Our Condo Premier offering comes with these key coverages:

Loss Assessment - $10,000 limit

Volunteer Wrongful Acts - $100,000 liability coverage

Identity Fraud Expense - $15,000

VOLUNTEERLOSSASSESSMENT IDENTITY FRAUD

Know your coverages

ADamage to house

BOther

Structures

DAdditional Living


CPersonal Property

EPersonal Liability

FMedicalExpense

+ HomeXtended®

Coverages Endorsement+++This is INCLUDED with



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Silverware: $10,000

SILVERWARE

Vault coverage: $25,000

Securities: $5,000

VAULT SECURITIES

You also get all the benefits of our Protection Plus offering:> Freezer Contents> Personal Injury Coverage

> Watercraft Liability> And more!


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$2,500/$5,000 and includes misplaced jewelry coverage

JEWELRY

Rented golf carts: $5,000

RENTEDGOLF CARTS

Know your coverages

ADamage to house

BOther

Structures

DAdditional Living


CPersonal Property

EPersonal Liability

FMedicalExpense

+ HomeXtended®



And you automatically get these in Condo Premier, too:

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We have three options when it comes to protecting your condo: Standard, Protection Plus and Premier. Which one fits your needs?


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+ HomeXtended®



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COVERAGE/BENEFIT STANDARD (CONDO)

PROTECTION PLUS(CONDO)

PREMIER(CONDO)





$500 $2,500 $10,000












Lock Replacement Not Available $250/$500 $500/$1,000

COVERAGE/BENEFIT STANDARD (CONDO)

PROTECTION PLUS(CONDO)

PREMIER(CONDO)

Loss Assessment Section I or II $1,000 $5,000 $10,000

Money $200 $250 $1,000Open Peril Personal Property Available Available Included








Silverware $2,500 $3,000 $10,000Trailers Not Used with Watercraft $1,500 $2,000 $3,000




Volunteer Wrongful Acts Available Available Included




Our Enhanced HomeXtended® Coverages Endorsement provides a single bundle of extra coverage.

• Available under our Protection Plus offering• Included under our Premier offering• Not available under our Standard offering

COVERAGE LIMITCellular phone coverage • Up to $500

Computer Personal Records • $1,500

False alarm coverage • Up to $1,000 aggregate limit per policy period

Fire extinguisher coverage • Up to $250 per aggregate limit per policy period

GPS • Up to $500

Increased ID Fraud Expense • $10,000

Mortgage and Related Extra Expense Coverage

• Up to $1,000 for acquisition cost for title searches, appraisal fees and application fees

• Up to $2,000 for additional monthly mortgage interest expense

Personal Property-Business Use • Up to $5,000

Know your coverages

ADamage to house

BOther

Structures

DAdditional Living


CPersonal Property

EPersonal Liability

FMedicalExpense

PERSONAL LINES HOMEHOMEXTENDED® ENDORSEMENT

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PERSONAL LINES HOMEDISCOUNTS


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HO3Named Peril

LOYALTY

• Applies to both primary and seasonal dwellings, for HO3, HO5 and HO6 policies

• Quote must be eight or more days in advance of the effective date (based on original quote date)

• Applies to HO3, HO5 and DP1, DP2 and DP3

• Applies to a one or two family dwelling that has certified as meeting the requirements of the FORTIFIED for Safer Living®

standards• Proof is required to be maintained

in agent file

• Applies to HO3 and HO5• Automatically applied after five or

more years with State Auto; does not include tenure under another State Auto program

ADVANCED QUOTE

FORTIFIEDHOME

Know your policies

HO4Renters Policy

HO5Open Peril

Home Policy

HO6Condo Policy

DP1Dwelling Fire

form 1

DP2Dwelling Fire

form 2

DP3Dwelling Fire

form 3

MULTI-POLICY NEWCONSTRUCTION

• Applies to all forms: HO3, HO4, HO5 and HO6

• Applied to insureds that have any of the following eligible policies written with State Auto:

• Private Passenger Auto• Umbrella• Dwelling Fire• Legacy Home• Business Auto

• Also applies when there is a promise of a corresponding Auto, Umbrella, Dwelling Fire, seasonal/secondary or Business Policy by the expiration date

• Applies to HO3 and HO5 policies• Based on year of construction

HE7Open Peril

• Applies to HO3, HO5 and HO6 policies that have been continuously insured with the same prior carrier for at least three years

• A variety of discounts given for protecting your home

• Applies to all HO3, HO4, HO5 and HO6 and all Dwelling Fire (DP1, DP2, DP3)

• For the Central Station Alarm Discount, a certificate is necessary to be submitted

PRIORCARRIER

PROTECTIVE DEVICES

PERSONAL LINES HOMEDISCOUNTS

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HO3Named Peril

• Applies to HO3 and HO5 policies• Discount is based on roof material

of tile, concrete, metal or slate and age of roof

• Applies to the home having Smart Home technology: smart cameras, smart smoke alarms, smart lights, automatic temperature detection, water leakage/automatic shut off and gas leakage detection/automatic shut off

SMART HOMEROOF CONSTRUCTION


Know your policies

HO4Renters Policy

HO5Open Peril

Home Policy

HO6Condo Policy

DP1Dwelling Fire

form 1

DP2Dwelling Fire

form 2

DP3Dwelling Fire

form 3

HE7Open Peril

UM

BRELLA > Jessa's Story> Eligibility> Offerings> Options> Discounts & Credits

CONTENTS

> Jessa's Story> Eligibility> Offerings> Options> Discounts & Credits

PERSONAL LINES UMBRELLAUMBRELLA

69

JESSA

AGE 28

CAREER Accountant

A few years after college, I moved to a new state. There were a lot of changes, including having to purchase auto insurance through a different independent agent,

as my parent’s insurance agent and company didn’t write business in my new state. I decided I didn’t need an agent, and shopped online and bought the cheapest and easiest thing. Insurance is insurance...right? Plus, I wanted to save my money for other things.

I didn’t fully understand what I had bought until my parents’ independent agent pointed out that my coverages probably wouldn’t be enough if I caused an accident and totaled a brand new SUV, or was the cause of a multiple car accident. That was a scary thought.

I found out I could get an Umbrella policy with State Auto as long as I had my auto policy with them, and it wouldn’t cost me an arm and a leg. Now, I have an additional $1,000,000 of liability coverage in the event my Personal Auto policy limits are insufficient. I would also be able to get the Multi-Policy discount.

State Auto has given me – and my parents – peace of mind. I guess I’m growing up.

You're driving down the road and it starts to rain, and you can't find your umbrella. Then, you remember it's in your trunk. Just knowing it's there gives you instant peace of mind.

We provide additional layers of liability over your underlying limits and policies for private passenger auto, home (includes condo, rentals and also watercraft) and dwelling fire.

Primary auto liability must be provided by State Auto

Minimum underlying limit requirements are 250/500 split limit, or

PERSONAL LINES UMBRELLAELIGIBILITY

71

WE ALL KNOW THAT FEELING

$300,000 Combined single limit for auto personal liability, and

$300,000 for homeowners personal liability

Eligibility

First owner-occupied residences

RESIDENCES

Sailboats and outboard watercraft under 26 feet and 75 horsepower or less

SAILBOATS &WATERCRAFTS

PERSONAL LINES UMBRELLAOFFERINGS

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Up to four family rental units

RENTAL UNITS

Our Umbrella product comes with these key coverages:

$1-5M available limits

LIMITS

Excluded under the basic umbrella contract. However, Optional Loss Assessment coverage may be secured if you meet the underlying limit requirement of $50,000.

LOSS ASSESSMENT COVERAGE

Coverage for additional liability exposures such as incidental offices, home day care, business pursuits and rental or farm property.

Extends excess liability coverage to a trust or trustee if title of vehicles or property has been transferred to a trust.

TRUST ENDORSEMENT

INCIDENTAL BUSINESSEXPOSURES

for an additional premium.

PERSONAL LINES UMBRELLAOPTIONS

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OPTIONSPERSONAL LINES UMBRELLADISCOUNTS & CREDITS

Discount applies if you have the following eligible policies written with State Auto:

• Homeowners• Farm and Ranch• Commercial

MULTI-POLICY

Employees, immediate family members and retirees of State Auto qualify

STATE AUTO EMPLOYEE DISCOUNT

Based on your insurance score and applicable to all coverages

FINANCIAL STABILITYRATING

$

Find your local agent at StateAuto.com.

We are also here for you.

Be sure to share your story with us at

StateAuto.com/Story.

There's no reason to go it alone when it comes to your

insurance decisions. Your local agent is here for you.

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