Underwriting Changes

State Farm® branded policies are underwritten by Certas Home and Auto Insurance Company. Life Insurance products are manufactured and issued by Desjardins Financial Security Life Assurance Company.

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What This Means to You

If you have a State Farm automobile or property policy, your underwriting company will be changed to Certas Home and Auto Insurance Company. If you have a life policy, your underwriting company will be changed to Desjardins Financial Security Life Assurance Company.

Your State Farm agent will continue to provide the excellent service you are accustomed to and is there to answer any questions you may have.

Transition

You will not see much of a change in the look and feel of your policies in the short term. Policyholders renewing effective January 1, 2015 and onward, will continue to receive State Farm branded documents (with the exception of motor vehicle liability insurance cards ("pink slips") for the automobile policies) until such time that the policies are issued from Certas H&A / DFS systems.

Note: For automobile policy holders not renewing until later in 2015, your current State Farm motor vehicle liability insurance cards are still valid until your policy renewal.

Policy Documentation

  • Included in all policy documents which you will receive will be an Important Notice advising that wherever you read:
    • For Automobile or Property policies: Substitute "State Farm Mutual Automobile Insurance Company", "State Farm Fire and Casualty Company", or "State Farm Insurance Companies" with "Certas Home and Auto Insurance Company"
    • For Life policies: Substitute "State Farm International Life Insurance Company Ltd." with "Desjardins Financial Security Life Assurance Company".

  • Automobile/Property policies: a change of Underwriting Company Endorsement will be included with your new policy, renewals or policy modification documentation you receive. This endorsement explains that Certas Home and Auto Insurance Company will be the insurer which will honour all obligations under your Automobile or Property Insurance policy as of January 1, 2015.

Topic Information
Assumption Certificate Within 30 days of January 1, 2015, all existing State Farm policyholders will receive an Assumption Certificate for each policy in force. This means that you may receive multiple Assumption Certificates if you have multiple policies with State Farm.
What is an Assumption Certificate? An Assumption Certificate is a legally required document to evidence the transfer of all policies in effect as of December 31, 2014 from the State Farm companies to Certas Home and Auto Insurance Company and Desjardins Financial Security Life Assurance Company.
New policy/Policy changes Please contact your State Farm agent as you do today.
Billing Paying your premiums as of January 1, 2015: you can continue to pay online at statefarm.ca or via phone. If you are set up for recurring monthly payments, CERTAS H&A/DFS will appear on your bank or credit card statement. If you pay by cheque, make your cheque payable to Certas H&A/DFS and mail your payment in the return envelope included with your bill.
On-line services You can continue to enjoy online services as you do today (get a quote, make a payment, report a claim, etc.)
Claims You will be able to continue to file claims through your agent, through the State Farm call centre or on our website at statefarm.ca.

For Canadian policyholders that have claims that occur in the United States, on or after January 1, 2015, they will need to be reported to your agent, the State Farm call centre in Canada or at statefarm.ca. State Farm agents or call centres in the United States will no longer handle these claims. Any existing claims being handled by State Farm claim offices in the United States will be transferred to the State Farm claim office in Canada.

As of January 1, 2015, claim payments for existing and new claims will be issued by Certas Home and Auto Insurance Company.

We are in the process of updating our claim letters, forms and envelopes to reflect the new underwriting company Certas Home and Auto Insurance Company. However, during this transition period, you will find some letters and forms will refer to both Certas Home and Auto Insurance Company and State Farm. We apologize for any confusion this may cause but rest assured, this will not affect the handling of your claim and we are actively working to have these updated.

If you have a question regarding a claim, you can continue to call the State Farm support numbers: Auto Claim: 888-999-0750 Property Claim: 888-888-7858

If you have any questions or concerns, please speak to your State Farm agent. This page will be updated to keep you advised of important developments. Please visit us often.