Protect the Place You Love to Call Home

Talk to a State Farm® Agent Today About Homeowners Insurance

Homeowners insurance...more people buy theirs from State Farm than any other insurer. Our claims network is one of the largest in the world, and is accessible 24/7, online or by phone. State Farm helps you save on homeowners insurance coverage by offering a host of ways to save you money for everything from Home/Auto Discounts to everyday safety items like alarm systems, deadbolt locks, and fire extinguishers. Plus, State Farm policyholders can even take advantage of special offers on home automation and monitoring systems — a smart way to save money and help monitor your home.

State Farm Homeowners Insurance coverage helps protect your home and property if disaster strikes.

Get a Homeowners Quote

Basics of Homeowners Insurance

What State Farm Covers

Homeowners Insurance Covers:

Examples not limited to:

  • Fire or Lightning
  • Windstorm or Hail
  • Theft
  • Weight of ice, snow or sleet
  • Vandalism/malicious mischief
  • Aircraft and vehicles
  • Explosion
  • Sudden or accidental tearing or bulging of heating or cooling systems
  • Riot or civil commotion
  • Falling objects
  • Freezing of plumbing systems
  • Sudden and accidental water discharge from plumbing or appliances
  • Sudden and accidental artificially generated electrical current

All coverages are subject to the Losses Not Insured provisions of the policy.

Homeowners Insurance Doesn't Cover:

  • Bodily injury or property damage that is expected or intended by the insured
  • Business pursuits
  • Professional services provided or not provided
  • Ownership, operation, use, or maintenance of aircraft, motor vehicles, and certain watercraft

The State Farm Advantage


Discount, policies, and programs and their availability vary by state and eligibility requirements.

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.