Agent Portal: State Auto: Dwelling Fire (Form-1)

• Covers the other structures on the property.

• Covers the personal property inside the home.
• Not covered against wind and hail.
• Actual cash value.

Perils Insured Against

• Fire or Lighting
• Internal Explosion

• Covers the cost of lost rent after a loss.
• If the insured occupies the home, it pays for additional living expenses while the home is being repaired.

• Covers the structure against earthquake.
•  Available deductibles: 10%, 15%, 20%, 25%.

• Pays for the charge given by the fire department.
• Available limits included: $500 and $1,000.

• Must be written together.
• Protects the home against foundation coverage and water damage coverage.

• Adds coverage for theft and vandalism and malicious mischief resulting from theft.

• Adds coverage for city ordinance given to the insured.

• Covers the home after a sinkhole occurs.

• Limit selected by the agent.

• Adds coverage for building items. This includes appliances and fixtures.

• Covers backup of the sewage and drains.
• $1,000 deductible applies to this coverage.

• The farther away the effective date on the quote the larger the discount. Cannot exceed more than 45 days away.

• The better your credit rating the higher the discount. Surcharge also possible for bad credit.

• Available if the property is newly purchased.

• Available if you have another State Auto policy or plan to have another policy within that term. Lost at renewal if never added.

• Available if the insured was with the same carrier for more than three years. If you have been with the prior carrier for more than 6 years the discount is larger.

• Available if you have burglary alarm, Fire Alarm, Sprinkler system, Temperature monitoring.

• Available if the home has the following: Smart camera, smart smoke alarm, smart lights, automatic temperature detection, water leakage/automatic shut off, gas leakage detection/automatic shut off.