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PERSONALINSURANCEProduct CatalogWhat's Your Story?

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PERSONAL LINESTABLE OF CONTENTSAUTO030507091113151719Rob's StoryMatt & Katie's StoryBryan's StoryOfferingsOptionsAutoXtended EndorsementDiscountsKyle & Amy's StoryState Auto Safety 360SM Telematics ProgramHOME2325272931333739454753556163Know Your CoveragesDave & John's StoryStandard OfferingsStandard OptionsJoni's StoryProtection Plus OfferingsWalt & Vicki's StoryPremier OfferingsLauri's StoryRenters OfferingsJan & Linda's StoryCondo OfferingsHomeXtended EndorsementDiscountsUMBRELLA6971737576Stephanie's StoryEligibilityOfferingsOptionsDiscounts & CreditsII

PERSONAL LINESINTRODUCTIONInsurance is a different kind of purchase.You can't see it, or touch it. And, most of the time, youhopefully won't need to use it. But it has to be right.The peace of mind from knowing it's there when theunexpected happens — that's what insurance is allabout.Welcome to the State Auto experience.We give you choices. It starts with the independentagent you choose as your advisor and advocate. There'sa reason you can only get State Auto products throughone of our agent partners — they are best able to helpyou make the right choice for your needs.Our products give you choice of coverage that fitsyour lifestyle and your individual situation. There aredifferent levels of coverage add-ons and extras, all withthe unique possibilities of your life in mind. No matteryour story, we want you to be a part of ours.Use these stories to guide you through our productofferings and find the coverage that works best for you.We want you to be a part of the State Auto story. Addyour story to our collection to celebrate the uniqueand vastly different stories of people we protect atStateAuto.com/Story.III

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CONTENTS Tameron’s Story Michelle & Nathan's Story Bryan’s Story Offerings Options

AutoXtended Endorsement Discounts Kim & Amy’s Story State Auto Safety 360SM Telematics Program

PERSONAL LINES AUTOSTANDARDTAMERONAGE 25CAREEREntry-levelcomputer tech@ a start-up3

Ican’t believe it’s already been a year since I graduated fromcollege! I’m pumped because I just landed a new entry-leveljob at a tech start-up company. Going to work in jeans anda T-shirt every day makes transitioning from college to fulltime work so much easier.I live in a small apartment near the city and just bought myfirst new car. I love driving it, but I also use Uber a lot whenI’m grabbing drinks with my friends. My parents want meto have AAA road service, but my parents’ independentinsurance agent told me that State Auto offers an option toadd Roadside Assistance through their Standard PersonalAuto product offering.My agent also told me I could get a discount if I installed StateAuto’s telematics product in my car. My parents use it, andthey want me to since it will help me become more aware ofmy driving habits and may help me be an even safer driver.Dependable insurance for my new car that won’t break thebank. That’s my kind of insurance.

PERSONAL LINES AUTOPROTECTION PLUSWe finally were able to buy the used SUV we’ve beenwanting. We needed more space for friends andfamily, including our adorable baby son – the cutestin the world!We’re also very active, and haul things like bikes, skis andkayaks for long weekends away. We definitely wantedupgraded safety and technology packages, too. And becausewe had a really bad experience with a prior car repair, wewanted to make sure our insurance gave us replacementcost coverage, as well as coverage for original equipmentmanufacturer parts.Our amazing independent insurance agent recommendedState Auto’s Protection Plus Auto product offering, since itgives us really great coverage at a cost we can afford. We evenhave some cool extras, like cell phone, rented vehicle and petcoverage (we love our dog Stella!) through the AutoXtendedPlus Coverages Endorsement.The Protection Plus offering is perfect for us since we want tofeel protected and also have plenty of spending money for ourski trips and lake weekends. This is our kind of insurance.

AutoXtended PlusCoverages Endorsement Click heres.for the extraMICHELLE& NATHANAGES 32 & 36CAREERSIT &social media6

PERSONAL LINES AUTOPREMIERBRYANAGE 52CAREERMarketingdirector7

AutoXtended PremierCoverages Endorsement lThe samesProtection Pluithextras but wlimits.rehighneveI’m a single father, and between my career and childrenI practically live in my car. My youngest daughter playslacrosse in high school on the other side of town, my otherdaughter is in college two states away, and my son is marriedwith a child and lives in another state as well.I wanted increased protection while I’m on the road, likeemergency travel, emergency ambulance and increasedtransportation expense. And since I’m on the move a lot, Ineeded to make sure my personal items were covered, too.My agent told me I could have this type of enhanced coveragewith the AutoXtended Premier Coverages Endorsementthat’s included in State Auto’s Premier Auto productoffering. I have higher limits on all the extras and theoption to add things like Roadside Assistance and Full SafetyGlass Coverage. And believe me, that is a must with all theconstruction I’ve driven through.Peace of mind on the road and while visiting my kids. That’swhy I chose State Auto.

PERSONAL LINES AUTOOFFERINGSOur Standard, Protection Plus and Premier offerings all comewith these important coverages:LIABILITYCovers your liabilityto others for bodilyinjury or propertydamage for whichyou are legally RISTSPays medical billsfor you and others,including doctor,hospital andsurgical expenses,without regard tonegligence.Pays for bodilyinjury and propertydamage* resultingfrom a hit-and-rundriver, a driverwith no insuranceor a driver whois inadequatelyinsured.COLLISIONFor damage to yourauto resulting froman accident.OTHER THANCOLLISIONFor damage to yourauto cause by awide range of perilsother than impactwith anothervehicle or object(example: theft orvandalism).

PERSONAL LINES AUTOOPTIONSfor definite peace of mindPPPPPPPPPPPPPPPSPPPFULL SAFETY GLASSMINOR VIOLATIONFORGIVENESSACCIDENTFORGIVENESS BENEFITORIGINAL EQUIPMENTMANUFACTURER PARTSAUTO REPLACEMENT COSTCOMBINED WITHTOTAL LOSS PLUSSMROADSIDEASSISTANCEFor an additional premium,Automatically provided ifAutomatically provided ifFor an additional premium,For an additional premium,For an additional premium,coverage is provided withno deductible to repairor replace glass used ina windshield, doors andwindows of a vehicle, aswell as any material used onlights.you met the tenure andviolation-free requirements.First violation will bewaived.*you met the tenure andaccident-free requirements.First at-fault accident will bewaived.*coverage for the useof original equipmentmanufacturer partsavailable in the event of acovered loss. Applies to anyauto that is less than 10years old and is listed on theauto replacement costcoverage is available forvehicles that are within 2model years of the policydate. Total Loss Pluscoverage is an enhancementfor vehicles that nothis endorsement providestowing service to thelocation of your choice fromthe site of disablement andthese additional coverages: Removal of vehicledisabled on a publicdeclaration page.longer qualify for AutoReplacement Cost coverageand are deemed a total loss. 11* In the event of a second violation, the waiver will be removed and both violations will besurcharged at renewal. Coverage options vary by state.KEYS StandardroadDelivery of suppliesincluding oil, waterand fuelBattery jump startTire change orinflationLockout serviceup to 100PP Protection PlusP Premier

PERSONAL LINES AUTOAUTOXTENDED ENDORSEMENTOur Enhanced AutoXtended Coverages Endorsementprovides a single bundle of extra coverage. AutoXtended Plus is included under Protection Plus offering AutoXtended Premier is included under Premier offering AutoXtended is not available under the Standard offering* Included with no specific limitCOVERAGE13AUTOXTENDED PLUSAUTOXTENDED PREMIERBail bonds 350 500First aid to others**Reasonable attorney fees 50 200Waiving of deductible for Collision*Waive deductible OTC**Waive deductible UMPD**Customizing equipment 1,500 1,500Personal effects 250 500Pet coverage 500 750Cell phoneACV / 500 MaxRC / Max 1,000GPSACV / 500 MaxRC / Max 1,000Rented vehicle coverageNo dollar limitReasonable cost(diminution in value)No dollar limitReasonable cost(diminution in value)Increased transportation expenseAdditional 10/max 300Additional 20/max 600Locksmith/Key replacement 250 500Emergency ambulance 10,000 25,000Emergency travel 600 more than 100 miles 600 more than 100 milesTotal disability 200/weekMax 50 weeks 200/weekMax 52 weeksDeath indemnity 20,000/ 40,000 50,000/ 100,000*

PERSONAL LINES AUTODISCOUNTSBecause you deserve more for your money.ACCIDENT PREVENTIONCOURSE At least one vehicle on thepolicy is a Private PassengerAuto, Motor Home, RegularUse Classic/Antique Auto orDRIVER TRAINING Must have a private passengerauto on the policy Available for drivers under theage of 21*MotorcycleANTI-THEFT DEVICE Vehicle is a private passengerauto or motor homeGOOD STUDENT Drivers under age 24 enrolled asa full-time student Not derived from the VIN Maintains a B/3.0 average You are able to select active or License must be activeMULTI-POLICYDiscount applies to insureds thathave the following eligible policieswritten with State Auto: Homeowners Umbrellapassive Farm and Ranch Must be 21 or older with an Commercialactive license and certificationfor an Accident PreventionCourse in the past 36 monthsMULTI-CARMust have two or more of thefollowing on the same policy: Payment plan is paid in fullSTATE AUTO START-UP Quote must be eight or moredays in advance of the effectiveSTATE AUTO SAFETY 360SMTELEMATICS PROGRAM Vehicle is a private passengerauto Private passenger autodate (based on original quote Model year is 1996 or newer Motor homedate) You have indicated vehicle Registered golf cart15PAID IN FULL Quote takes into account the Registered off-road vehicletype of prior carrier and length of Classic regular use vehicletime with the most recent carrierSTATE AUTO EMPLOYEE Employees, immediate familymembers and retirees of StateAuto qualifyparticipation in UBI (Usagebased insurance)* Driver training discount age will vary by state.

PERSONAL LINES AUTOSTATE AUTO SAFETY 360SMMy girlfriend and I were looking for ways to savemoney for our next trip out of the country (Italy!). Wewere thrilled when our State Auto insurance agenttold us there was a new way to get a discount on our autoinsurance.She told us that if we signed up for the State Auto Safety 360telematics program, we may get up to 10 percent off our autopremium just for signing up. She said it may make us moreaware of our driving habits, and in turn may make us saferdrivers. I’ll admit, I’m a lead foot and Amy tailgates, so she isfrequently hard braking – drives me nuts!We just plugged the device in under the dash in our cars.It records some of our driving habits, like speed, braking,acceleration and time of day. The data is securely transferred.At renewal, we can get up to a 50 percent discount, based onour driving score.Amy and I bet every month who will get a better score – anddiscount. We’ve both become safer drivers and saved a lot ofmoney that we can use in Italy. Fantastico!

KIM& AMYAGES 30 & 26CAREERSSchool teachers18