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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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State Auto offers homeowners insurance through independent agents in 45 states. But following its acquisition by Liberty Mutual in 2022, State Auto stopped selling new home policies. While existing customers can continue their policies, new customers can’t get coverage through State Auto.
While the company earns strong financial ratings, it receives more complaints than average and scores lower in customer satisfaction.
In this guide, we break down State Auto’s homeowners insurance pricing, coverage, reviews, and more to help you decide if it’s still a good fit.
Criteria  | Result |
|---|---|
| Availability | 45 states and Washington, D.C. |
| J.D. Power rating | 596* (below average) |
| AM Best financial strength rating | A+ (Superior) |
| NAIC complaint index** | 26.55 (extremely high) |
| Customer service phone number | 1 (833) 724-3577 |
| Mailing address | 518 East Broad Street Columbus, Ohio 43215 |
**A complaint index rating of 1.00 represents the expected number of complaints for a company of its size. A lower score indicates a fewer-than-average number of complaints.
State Auto once stood out for homeowners insurance with competitive rates and a range of coverage options. The company still holds an A+ (Superior) rating from AM Best, showing strong financial health. But since Liberty Mutual acquired State Auto in 2022, customer satisfaction scores have dropped.
Because State Auto no longer offers new coverage, switching insurers means you can’t come back. Comparing home insurance rates, discounts, and service can help you decide whether to stay with State Auto or switch.
Get rates from top insurers and save money in seconds.
Before renewing your policy or switching insurers, check what customers and industry experts have to say. Reviews can highlight real-world experiences with claims and customer service. Expert ratings offer a wider view of the company’s financial strength and overall performance.
Below, we break down what customers and experts think about State Auto.
Comparing customer feedback across different platforms can help you separate isolated issues from larger patterns. Here’s how customers rate State Auto across major review sites.[4] [5]
Review Platform | Rating |
|---|---|
| Trustpilot | 2.8 out of 5 |
| Better Business Bureau (BBB) | 1.08 out of 5 |
| ConsumerAffairs | N/A |
State Auto earns low marks across third-party review sites, but that’s not uncommon in this industry. What’s notable is the lack of reviews. There are only three on Trustpilot, while the BBB lumps State Auto’s reviews with Liberty Mutual.
That said, customers note issues with service, including billing errors, poor communication, and unexpected premium increases. But building a strong relationship with your agent can help you navigate State Auto’s customer service.
Customer reviews can be helpful, but they typically lean negative. People are more likely to post when something goes wrong. Independent industry ratings help balance that out by focusing on more objective factors like financial stability, complaint trends, and customer surveys.
Here’s how State Auto performs by industry standards.[6]
Rating Service | Rating | Industry Average |
|---|---|---|
| J.D. Power customer satisfaction | 596 | 640 |
| J.D. Power claims satisfaction | 707 | 682 |
| AM Best | A+ (Superior) | N/A |
| NAIC complaint index | 26.55 | 1.00 |
State Auto earns high marks for financial strength and claims handling. But the number of complaints with the National Association of Insurance Commissioners (NAIC) index is significantly higher than average.
J.D. Power doesn’t include State Auto in its surveys, but it does rank its parent company, Liberty Mutual. Liberty Mutual ranks above average for claims satisfaction but below average for overall customer satisfaction.
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If you’re a current customer, you might already have some of these discounts. But it could be worth talking to your agent to make sure you get every discount you qualify for.
Here are some of the best discounts State Auto offers:
Smart Home: You can get a discount if your home has smart devices like connected smoke alarms or temperature sensors.
FORTIFIED Home: You can get a discount if your home was built to official FORTIFIED standards for severe weather protection.
Loyalty: Earn a discount after having a State Auto policy for five or more years.
Multi-Policy: Save money by bundling your home insurance policy with auto or umbrella insurance.
New Construction: Homes built in recent years may qualify for lower home insurance rates.
Roof Construction: You could get a discount depending on the age of your roof and the materials it was built with.
Discounts can vary by state, so ask your agent which discounts you might qualify for.
Homeowners insurance isn’t one-size-fits-all. The coverage you need depends on various factors, including your home’s location and building materials. State Auto lets you customize your homeowners insurance with coverage that fits your needs.
Coverage options State Auto offers include:
Dwelling and structures coverage: This coverage pays for repairs or rebuilding costs for your home and any detached buildings after covered damage.
Personal property protection: Also called contents insurance, this coverage replaces belongings from theft and covered perils. State Auto covers the replacement cost or actual cash value, depending on your coverage levels.
Liability coverage: This coverage helps cover lawsuits and medical bills if someone gets hurt on your property.
Loss of use: Your insurance can pay for a hotel if your home becomes unlivable due to a covered event.
HomeXtended: Similar to a home warranty, this covers sudden breakdowns in appliances, heating, ventilation, air conditioning, and electrical systems.
Higher limits for valuables: This coverage protects high-value items like jewelry, antiques, and collectibles.
Cyber protection and identity theft protection: This coverage assists with identity theft, digital fraud, and even stolen debit or credit cards.
You may be able to add endorsements for flood insurance, earthquake damage, and water damage. But you may need to buy coverage for natural disasters through Liberty Mutual, State Auto’s parent company.
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State Auto no longer offers new home insurance policies, but you can keep your coverage as long as your policy stays active. If you cancel, you won’t be able to get your coverage back — so it’s worth taking a closer look before making a change.
To manage or reassess your policy:
Talk to your independent agent. Ask your agent about available discounts, bundling options, or updates to your home insurance limits and coverages.
Review coverage when your policy renews. Check your policy to see if your rates, underwriting guidelines, or customer service have changed in the past few months.
Compare quotes from multiple insurers. If you’re thinking about switching insurers, you can talk to agents from other insurers. You can also use a quote-comparison tool to quickly check prices from multiple companies.
Read our full State Auto car insurance review for more details.
Compare quotes from multiple companies for the best protection for your home.
Below, we answered some common questions about State Auto home insurance. Use them whether you’re comparing prices or deciding if you should keep your current policy.
No. State Auto no longer sells new homeowners insurance policies. But existing customers can keep their home insurance coverage if they remain in good standing.
No. While both operate under the Liberty Mutual umbrella and offer home insurance policies, State Auto and Safeco are separate insurance brands with their own products and pricing structures.
Yes. Liberty Mutual acquired State Auto in 2022. Since then, State Auto has discontinued selling new policies, but current customers can keep their coverage as long as they remain in good standing.
It depends. State Auto is financially strong and offers solid home insurance coverage options. But customer and third-party reviews suggest a mixed service and claims experience.
Yes. But while the company still services existing home and auto policies, it no longer sells new ones.
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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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