Agent Portal: State Auto: Dwelling Fire (Form-3)

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Included, Optional Coverage, Discounts

Dwelling Fire Manual


Dwelling Coverage

  • Covers the structure and labor after a loss.
  • ACV unless the replacement cost is more than 80% and less than 100%.
  • Open Peril Coverage

Personal Liability

  • Covers the personal liability on the premises.
  • Available limits: $100,000/$200,000/$300,000/$400,000/$500,000.

Medical Payments

  • Covers medical payments the insured may be liable for.
  • Available limits: $1,000/$2,000/$3,000/$4,000/$5,000.

Additional Coverage

  • Ordinance or law coverage included at 10%. Can be increased.
  • Trees, Shrubs, and Other Plants: 5% of coverage A. $500 maximum per item.


  • AOP: $500/$1,000/$1,500/$2,500/$5,000/$10,000. 1%, 1.5%, 2%, 3%, 4%, 5%.
  • Wind and Hail: 1%, 1.5%, 2%, 3%, 4%, 5%.

Optional Coverage

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Other Structures
  • Covers the other structures on the property.
Personal Property
  • Covers the personal property inside the home.
  • ACV unless the replacement cost is more than 80% and less than 100%.

Perils Insured Against

  • Fire or Lighting
  • Internal Explosion
  • Windstorm or Hail
  • Explosion
  • Riot
  • Civil Commotion
  • Aircraft
  • Vehicles
  • Smoke
  • Volcanic Eruption
  • Breakage of glass
  • Burglars
  • Falling Objects
  • Weight of Ice, Snow, or Sleet
  • Collapse of Buildings
  • Accidental discharge of water or steam
  • Sudden cracking of steam or hot water heating system
  • Freezing
  • Sudden damage from artificial electric currents
Fair Rental Value/Additional Living Expense
  • 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.
Earthquake Coverage
  • Covers the structure against earthquake.
  • Available deductibles: 10%, 15%, 20%, 25%.
Fire Department Service Charge
  • Pays for the charge given by the fire department.
  • Available limits included: $500 and $1,000.
Foundation and Water Damage Coverage
  • Must be written together.
  • Protects the home against foundation coverage and water damage coverage.
Limited Theft Coverage
  • Adds coverage for theft and vandalism and malicious mischief resulting from theft.
Sinkhole Collapse
  • Covers the home after a sinkhole occurs.
Theft of Building Materials
  • Covers the theft of building materials from the premises.
  • $500 deductible applies.
  • Available Limits: $5,000/$10,000/$15,000/$20,000/$25,000/$50,000.
Unit Owners Coverage
  • Adds coverage for building items. This includes appliances and fixtures.
Water Backup and Sump Overflow
  • Covers backup of the sewage and drains.
  • $1,000 deductible applies to this coverage.


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Advanced Quote
  • The farther away the effective date on the quote the larger the discount. Cannot exceed more than 45 days away.
Financial Stability Rating
  • The better your credit rating the higher the discount. Surcharge also possible for bad credit.
Home Purchase Discount
  • Available if the property is newly purchased.
Multi-policy discount
  • Available if you have another State Auto policy or plan to have another policy within that term. Lost at renewal if never added.
Prior Carrier Discount
  • 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.
Protective Devices Discount
  • Available if you have burglary alarm, Fire Alarm, Sprinkler system, Temperature monitoring.
Smart Home Credit Discount
  • 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.


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