1. 455 POINTS
    Todd Officer
    President, Officer Insurance, Nashville, TN
    I am assuming your are referring to the "Comprehensive" coverage - also called Other Than Collision - found in an auto insurance policy.

    State Auto is what we call a "Super" regional carrier as they are not nationwide, but are in more than a couple regional states.  While the basic structure of the auto policy contract is the same company wide, they do tweak their contract based on state laws and state performance ratios. 

    That being said, generally speaking State Auto's comp coverage would include things like - fire, theft, water damage, glass damage, break-ins and hitting an animal like a deer.  Comprehensive claims are subject to the deductible listed on your policy.

    Give your local State Auto independent agent a call and discuss the specifics of your state and policy language.
    Answered on May 5, 2013
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