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State Fund Renters Insurance Review

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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 has an A+ with the BBB and provides multiple insurance selections and quotes to clients by letting national and local insurance entities compete for business.
 
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How Do We Rate State Fund?

Breakdown

4.0/5
Coverage Options
4.0/5
Add-Ons & Discounts
4.0/5
Customer Service
4.0/5
Financial Strength

Our Overall Rating: 4 / 5 (Very good)

State Fund is a solid choice for renters insurance. The marketplace can connect you with several top insurance providers.Some of these include Travelers, Safeco, National General, Progressive, and Universal. This enables customers to get the widest variety of options available for coverage, discounts, and policy add-ons. Renters insurance is traditionally a lot less expensive than other insurance lines, so many additional items may not translate to a significant increase in monthly premium. It is important before talking with State Fund that customers be aware of the possible discounts they could qualify for and the coverage options they require considering their type of rental property.

State Fund Coverage

Coverage Options - 4 / 5

As with discounts, there are many coverage options for renters insurance that will vary by company selected. We encourage customers to know the details of their rental property and discuss the appropriate coverage with the State Fund representative. Basic coverage options for renters insurance include personal property protection, personal liability, loss of use and additional living expenses, and medical payments. Some other coverage options you might want to consider include scheduled coverage, water backup protection, identity theft restoration, off-premises coverage, and roommate coverage.
Basic Coverage
Personal Property
Personal Liability
Loss of Use / Additional Living Expenses
Medical Payments
Optional Coverage
Scheduled Coverage
Water Backup
Identity Theft Restoration
Off-premises Event Coverage
Roommate / Additional Insured Individuals
Property Valuation Methods
Replacement Cost
Actual Cash Value

Pricing & Discounts

Add-Ons & Discounts - 4 / 5

Add-ons and discounts will vary by the renters insurance company chosen by State Fund. Different providers will all have different discounts set ups so make sure to consult with the State Fund insurance representative to make sure you get what you qualify for. For example, common property-level discounts include burglar or fire alarm, sprinkler systems, security staff or gated community. Policy-level discounts can include bundling policies, signing up for automatic payments, claim-free, senior or retired, or pay-in-full up front.
Annual Premium
Starting at $0
Deductible Options
depends on carrier
Maximum Liability Coverage
$0
Property-Level Discounts
Burglary Protected
Fire Protection
Sprinkler System
Security / Lobby Staff

Customer Experience

Customer Service - 4 / 5

State Fund has an A+ with the BBB. Although there are not a large amount of customer reviews online, what is there is universally positive. State Fund provides customers with no obligation quotes for renters insurance on their website. All prospective clients need to do is enter their state, name, address, contact information, home details, home features (including safety features for discounts), and additional features. Once customers submit their request, they will be contacted by a State Fund representative either via phone or email to receive their quotes.

Customer Ratings

BBB Rating
A+

Financial Strength Ratings

Financial Strength - 4 / 5

State Fund is an online insurance marketplace that works with several different partners to provide auto, home, umbrella, condo, life, motorcycle, and renters insurance, among others. The financial strength, creditworthiness, and claims paying ability will depend on the given company State Fund seeks to connect you with. For illustrative purposes, we've included the financial strength ratings of Travelers, one of the insurance companies that showed up in several searches across different localities. We encourage consumers to research the ratings of State Fund's selected insurance affiliate before committing to a policy.
Standard & Poor's Financial Rating
AA
Moody's Financial Rating
Aa2
AM Best Financial Rating
A++
Company Type
Marketplace
*The above information reflects the financials strength of Travelers, an insurance company that this insurance marketplace offers policies through.

Contact & Additional Information

Homepage URL
https://www.statefundins.com/
Company Phone
(800) 241-1151
Headquarters Address
100 Summer Street, Suite 1601, Boston, MA, 02110

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Top Rated
  • 24/7 claims reporting, both online and over the phone
  • Manage your account online or via mobile app
  • Personal property, liability & living expenses coverage
  • Customize your coverage limits and deductible
  • Save up to 5% when you bundle renters and auto
  • Discounts for home safety and connected home features
  • Discounts for green-certified dwellings
  • Solid reputation and 160+ years of industry experience 
  • Excellent ratings for financial stability
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