Why It Made the Cut: With a high AM Best rating and multiple discount opportunities, State Farm is one of the best options for homeowners insurance in Ohio.
State Farm has an AM Best rating of A++ (the highest possible), which means homeowners can have the peace of mind that their insurance company will pay out claims in a timely manner. In addition, homeowners who also need car insurance can get up to 35 percent off their premiums by bundling their policies, which could save them money as well as time when managing their policies. Another impressive discount is available for some homeowners who have roofs with “certified, impact-resistant roofing material engineered to provide better protection against impacts such as hail.” Not only does this type of roof better protect homes, but it could reduce the overall cost of homeowners insurance.
State Farm also helps owners protect their homes from fire through prevention. Through an exclusive partnership with Ting, a smart-device manufacturer, State Farm provides homeowners with a free electrical monitoring device and a 3-year subscription. The Ting device plugs into an outlet and monitors the home’s electrical currents for signs of electrical fire so homeowners can address any potential issues before they become major events.
Customers may notice that when getting a homeowners insurance estimate in Ohio through State Farm, the online quote process can be limited. For this reason, customers may want to speak directly with an agent to customize their quote to their precise needs. However, policyholders can still manage their accounts and claims online, through a mobile app, over the phone, or in person with a local agent. Those who prefer managing their accounts digitally might like the convenience of the dedicated mobile app for uploading claims pictures, receipts, or other supporting documents.
- Quote process: Online, phone, agent
- Claims process: App, online, phone, agent
- Deductibles: 0.5 percent or 1 percent to 5 percent, $1,000 to $5,000 or $10,000
- Discounts: Multipolicy, protective device, impact-resistant roofing
- AM Best rating: A++
- Generous 35 percent discount on home and auto bundles available
- Multiple convenient ways to submit a claim
- Impact-resistant roofing discount available
- Smart-technology fire safety devices available for free
- A++ AM Best rating
- Limited online quote policy options