Open the door to homeowners insurance
More homeowners choose State Farm® as their home insurance company over any other insurer.1
Why choose State Farm for homeowners insurance?
Value to meet your
bottom line
Help protect your largest investment and your budget with homeowners insurance. Fire, smoke, or burglar alarms may help lower your costs.
Customizable
solutions
Market value? Replacement cost? Learn what to consider when determining the value and potential coverage needs for your home.
Savings worth
looking up
Fixing the roof over your head could keep money in your pocket. Learn if you may qualify.
Choose to bundle and save
Save time, money and hassle by choosing to bundle the purchase of a homeowners, renters, condo, or life insurance policy in addition to car insurance.2 And don’t forget a personal articles policy or a personal umbrella policy.
What does homeowners insurance cover?4
Of course, the ability to repair or replace your home is foremost in homeowners coverage. But it also covers the items you value that aren’t permanently attached to your home or your property. Like, for instance?
Jewelry, collectibles, pictures
Cameras, musical instruments, sports equipment
Appliances, furniture, clothing, electronics, lawn decorations, swing sets, tools
Lightning, wind or hail, freezing of a plumbing system, weight of ice, snow or sleet
Damages resulting from fire, theft or vandalism
Abrupt and accidental discharge of water from plumbing system, tearing/bulging of heating or cooling systems, artificially generated electrical current
Jewelry, collectibles, pictures
Cameras, musical instruments, sports equipment
Appliances, furniture, clothing, electronics, lawn decorations, swing sets, tools
Lightning, wind or hail, freezing of a plumbing system, weight of ice, snow or sleet
Damages resulting from fire, theft or vandalism
Abrupt and accidental discharge of water from plumbing system, tearing/bulging of heating or cooling systems, artificially generated electrical current
Different needs? We've got you for homeowners insurance
Liability insurance coverage
Liability is for your protection
Our homeowners policy provides liability coverage if someone hurts themselves at your home or you cause property damage subject to policy provisions. Look into additional liability policies.
Want to ensure your cat or dog is insured? You could add pet medical insurance.
Policy limits
The sky is not the policy limit
Homeowners policies have maximum limits the company will pay for loss to specified types of property (these limits can vary among companies). What’s on a typical “special limits” list?
- Money, bank notes, coins
- Business property
- Watercraft including trailers, furnishings, and equipment
- Trailers (other than boat trailers)
- Firearms (applies to theft only)
- Silverware and goldware (applies to theft only)
- Rugs, tapestries (theft only)
If you need higher limits for certain types of property, your State Farm agent can help.
Want to know more about homeowners insurance?
Moving? Don’t forget to make insurance changes, too
Find out if you just transfer insurance to the new address or if you need new coverage.
How to be prepared for home insurance reviews
A few helpful things homeowners should keep in mind for home insurance reviews.
Being a first-time home buyer can be daunting.
The ins and outs of moving insurance
Your belongings might need protecting while in transit.
It wouldn’t be home without them. Are they covered, too?
Learn how and why you should keep a list of all your belongings and their worth.
Most homeowners policies do not cover for flood damage. Learn what’s available.
Should I consider earthquake insurance?
The ground can shake in almost any state. Are you covered?
Protect your place from electrical fires
State Farm and Ting could help you prevent electrical fires before they happen – for free.
Protect your home from wildfire threats5
In Arizona, California, Colorado, Oregon and Washington, Wildfire Defense Systems, Inc. will help protect your property on behalf of State Farm – at no additional cost to you – if a wildfire puts your home in harm’s way.
Get a homeowners insurance quote
1 State Farm Is the largest homeowners insurer in the United States according to 2020 premium data provided S&P Global Market Intelligence.
2 Customers may always choose to purchase only one policy, but the discount for two or more purchases of different lines of insurance will not then apply. Savings, discount names, percentages, availability and eligibility may vary by state.
3 Average annual per household savings based on a 2021 national survey by State Farm of new policyholders who reported savings by switching to State Farm.
4 Please refer to your actual policy for a complete list of covered property and covered losses. Homeowners insurance provides coverage for damage to your house and other structures on the property where your house is located. It is important to understand, however, that not every possible cause of damage is covered. There are important limitations on coverage in homeowners insurance policies, depending on the cause of damage or the location of your home, and some types of damage aren’t covered at all. Coverage for damage from earthquakes, for example, may be available by adding it to a homeowners policy for additional premium, or by purchasing a separate policy. Coverage for damage from floods is not provided and is usually available only by purchasing a separate flood insurance policy, often through the National Flood Insurance Program.
5 Available to State Farm homeowners and farm policyholders and subject to policy terms and conditions. This is not a guarantee that services will be dispatched or that damage from wildfires will be prevented or reduced.
Disclosures
This information contains only a general description of coverages and is not a contract. Details of coverage or limits vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements.
Discount offers on home security products are not available in all states and may require an eligible State Farm Auto or Fire policy. Discount offers not available in Alaska, New York, North Dakota, Pennsylvania, or South Dakota. State Farm customers in Indiana, and North Carolina must have a State Farm Auto policy to be eligible for the discount offer. Discount offers only available in the US. Products and services are offered by third parties and State Farm does not warrant the merchantability, fitness, or quality of the products and services of the third parties.
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