Rating: 8 / 10 (Very good)
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Based in Massachusetts, State Fund Insurance Shopper is an online marketplace that offers access to numerous insurance companies, carriers, and agents across the country. The company provides multiple insurance selections and quotes to it's customers by letting national and local insurance entities compete for business. Prospective clients can either call State Fund directly, or fill out a lengthy online form detailing their type of property and an agent will shop their details around and return with quotes. In addition to home insurance coverage, State Fund also offers Auto, Hazard, Boat, Motorcycle, Commercial Business, Life, Long Term Care, Disability, and Health.

Home Insurance Products Offered

Primary Residence
Hazard Insurance
Renters Insurance
Condo Association
Flood Insurance


State Fund Insurance Shopper's website is not an online portal that funnels you directly to the actual insurance company to get a quote. The company provides a form for customers to fill out detailing their property and contents as much as possible. Agents then do the legwork of obtaining quotes using their existing relationships with insurance carriers. In order to get the process rolling, State Fund will need to know the following:

  • Customer Personal Contact Information
  • Address
  • Year of Construction
  • Square Footage
  • Claims in Last 3 Years
  • Amount insurance and liability needed
  • Desired Deductible
  • Structure Information, rooms, systems, alarms, etc.
  • Additional Features

Financial Ratings

State Fund has forged long standing partnerships with multiple insurance carriers. Some of them, like Travelers, Chubb, and Safeco, are solid, multinational corporations with strong financial ratings.

Travelers Insurance FSR

Standard and Poor's AA
Fitch Ratings AA
A.M. Best A++
Moody's Aa2


The companies State Fund negotiates with often feature discounts based on certain factors. Some of these include:

  • Age of home
  • Alarm systems
  • Group memberships, such as AARP for example
  • Adding other lines of insurance


Most insurance carriers that partner with State Fund will be able to offer the industry standard HO2, HO3, and HO5 policies when it comes to homeowners insurance for your primary residence. HO2 policies cover your dwelling and contents in the event of:

Theft Hail/Windstorm
Lightning/Fire Riot/Civil Disorder
Explosion Aircraft Damage
Smoke Vandalism
Freezing Ice, sleet, snow
Vehicle Damage Sudden or accidental burning or tearing apart
Falling Objects Damage from electric current
Volcanic Activity Overflow from plumbing, AC, etc.

HO3 coverage covers your home's contents from the above events and your dwelling for any occurrence unless it's otherwise excluded in the policy.

HO5 covers your contents and dwelling for any occurrence unless it's otherwise excluded in the policy.

Home Insurance with State Fund

Aside from saying it's "quick and easy," State Fund doesn't claim to deliver quotes in seconds or coverage in minutes like a lot of modern web portals. This is because the company is very much people driven and depends on personal contact with the customer. Their quotes are not automatically generated. Agents get as much info from prospective customers as possible, and then personally find the best suited insurance for them. If this approach which stresses comprehensive customer service is appealing to you State Fund would be a great agency to work with. 

Top Rated
9.5 / 10
  • A+ BBB with Over 100 Years of Experience
  • Homeowners, Condo, Renters or Umbrella Coverage
  • Coverage for your home, belongings & personal liability
  • There when you need it: Fast claims & 24/7 reporting
  • Bundle & Save with available multi-policy discounts
  • Get your quote today & learn how you can save up to 26%!