Open the door to homeowners insurance
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Why choose State Farm for homeowners insurance?
Value to meet your
bottom line
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Help protect your largest investment and your budget with homeowners insurance. Fire, smoke, or burglar alarms may help lower your costs.
Customizable
solutions
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Market value? Replacement cost? Learn what to consider when determining the value and potential coverage needs for your home.
Savings worth
looking up
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Fixing the roof over your head could keep money in your pocket. Learn if you may qualify.
Choose to bundle and save
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
![A smiling State Farm representative is happy to answer any questions.](http://b42k.toymonstertruck.com/content/dam/sf-library/en-us/secure/legacy/team-west/homeowners-rep-s.jpg)
Different needs? We've got you for homeowners insurance
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![A smiling State Farm representative is happy to answer any questions.](http://b42k.toymonstertruck.com/content/dam/sf-library/en-us/secure/legacy/team-west/homeowners-rep-l.jpg)
Liability insurance coverage
Liability is for your protection
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)
Want to know more about homeowners insurance?
Find out if you just transfer insurance to the new address or if you need new coverage.
A few helpful things homeowners should keep in mind for home insurance reviews.
Being a first-time home buyer can be daunting.
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.
The ground can shake in almost any state. Are you covered?
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![State Farm & ADT logos](http://b42k.toymonstertruck.com/content/dam/sf-library/en-us/secure/legacy/team-west/adt-sf-logo.png)
Protect your home from life's uncertainties
With an ADT® home security system, you can help protect against potential risks with sensors for fire, smoke, water and theft. (Currently available in select states.) *
* Available in Arizona, Arkansas, Illinois, Indiana, Mississippi, Missouri, Nevada, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee and Texas.
![State Farm & Ting logos](http://b42k.toymonstertruck.com/content/dam/sf-library/en-us/secure/legacy/team-west/sf-ting-logo.png)
Protect your place from electrical fires
State Farm and Ting could help you prevent electrical fires before they happen – for free.
![Ting page displayed on mobile phone next to Ting outlet plug-in](http://b42k.toymonstertruck.com/content/dam/sf-library/en-us/secure/legacy/team-west/ting_update.jpg)
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.
Oregon Customers: State Farm does not offer discounts related to wildfire risk mitigation actions in rating.
State Farm Fire and Casualty Company
State Farm General Insurance Company
Bloomington, IL
State Farm Florida Insurance Company
Winter Haven, FL
State Farm Lloyds
Richardson, TX