Andrich Insurance

State Auto’s Homeowners Options Program Your home is your most prized possession. Whether you live in a house, condominium or apartment, your home is your life – and it is as unique as you are. That is why you need plenty of options in determining your home protection package. State Auto’s Homeowners Options Program gives you all the options you need. With three packaged endorsements available (Securgard, Defender or Estates) it’s easy to create the right insurance coverage for your home, apartment or condominium. We also offer a variety of additional coverages that allow you to tailor a policy to meet your specific needs.

State Auto’s CustomFit Auto Program can customize coverage to your specific needs. We offer liability, medical payments, uninsured/underinsured motorist, physical damage, plus a wide assortment of optional coverage enhancements. Broad coverage features at a competitive price.

Umbrella Coverage is extra protection, above-and-beyond your auto and/or home insurance coverage. State Auto’s Umbrella policy offers additional limits of liability from $1 million to $5 million.  Why would you need umbrella coverage? Well, say a neighbor slips and falls on your sidewalk and is injured – and then sues. Suppose the court awards $800,000 to the neighbor, but you only have $300,000 of liability insurance under your homeowners policy.  You would be responsible for the additional $500,000.  But if you happen to have a $1 million umbrella policy you would be completely covered and your umbrella policy would then pay the additional $500,000.

State Auto is one of only 13 companies to earn an A+ Rating by AM Best every year since 1954!