Protect your home and personal property with a plan that blends national strength and local care. As the largest homeowners insurer in the U.S., State Farm brings scale that can help support you when claims matter most. You can pair that reach with a nearby agent who offers one-on-one guidance to help protect what you value.
You’ll find options to bundle and save, manage a policy through a mobile app, and file or track claims digitally. Discounts and availability vary by state, so your local agent can explain specifics and eligibility.
This service page gives clear information on what standard coverage includes, common exclusions, and optional endorsements to tailor protection. It also walks you through quotes, documentation, and the claims process so you can make smart choices for your home and property.
Key Takeaways
- State Farm combines national scale with local agent support for home protection.
- Bundling may lead to notable savings, though amounts vary by state.
- Use the mobile app to manage your policy and track claims.
- Coverage, discounts, and availability depend on policy terms and state rules.
- Optional endorsements and specialty policies close common gaps in standard coverage.
Why State Farm homeowners insurance fits your life today
Find customizable protections for your dwelling, belongings, and evolving needs, backed by a nearby agent who knows local risks.
State Farm offers a range of coverages that can be mixed to match how you live. Coverage details and endorsements vary by state, so your farm agent confirms what applies at your address.
You’ve got tools and guidance to keep protection current. Simple Insights articles walk you through creating a home inventory and doing an annual review.
An agent helps you compare limits, pick deductibles, and identify discounts that may lower premiums. If you have questions, that local agent can explain what the insurance covers and what it does not.
- Flexible coverages for dwelling, structures, and personal property.
- Practical insights to update protection after renovations or large purchases.
- Digital tools plus human support from quote to claims.
What your homeowners coverage can include
Understanding what a policy protects helps you decide which coverage options you may need. Start by reviewing the main parts: dwelling, other structures, and personal property. These core protections define how insurance pays to repair, rebuild, or replace after a covered loss.
Dwelling and other structures — Dwelling coverage helps repair or rebuild your home after events like wind, hail, fire, or lightning. Other structures (fences, sheds, detached garages) are often covered at roughly 10% of your dwelling limit.
Personal property — This covers belongings such as furniture, electronics, and clothing if damaged or stolen. Special limits may apply to jewelry, silverware, or collectibles, so an inventory helps right-size protection.
Common covered losses and typical exclusions
Common perils include wind (including roof damage from downed trees), hail, fire, lightning, and theft. Certain abrupt water losses, like pipe bursts or ice-dam interior damage, may also be covered depending on your policy.
Normal wear and tear, rot, poor workmanship, and flood or tidal water are not covered under a standard policy. Sewer or drain backup normally requires an endorsement.
Optional endorsements and coverage options
You’ve got options to expand protection. Popular endorsements add sewer/drain backup, higher limits for valuables, or specific roofing coverages. Ask an agent about roofing discounts and state-specific options.
| Coverage | What it helps with | Notes |
|---|---|---|
| Dwelling | Repair or rebuild home | Limits and deductibles apply |
| Other structures | Detached garages, fences, sheds | Typically ~10% of dwelling limit |
| Personal property | Replace belongings | Special sublimits for jewelry/collectibles |
| Endorsements | Sewer backup, higher jewelry limits | Available as add-ons; varies by state |
Ways to save money with State Farm offers and bundles
Look for built-in savings and targeted discounts that lower your premium while boosting protection. Bundling policies and making simple upgrades often leads to the biggest gains.
Bundle and save up to $1,356 when you combine home and auto
You can save money by bundling your home and auto policies. A 2024 survey by State Farm found average annual savings up to $1,356 for new customers who reported switching.
Remember, customers may choose to purchase only one policy. Multi-line discounts won’t apply in that case and savings may vary by state.
Property discounts: roofing, wind mitigation, and security devices
Property discounts may reward roofing materials, wind mitigation features, and home security devices. These measures can lower premiums and strengthen your home against storms.
Claim-free and other savings that may vary by state
A claim-free history and certain safety upgrades can unlock extra discounts. Discount names, amounts, and eligibility may vary, so your agent will confirm which state farm offers apply and help you pick the best options to save money.
home-insurance-state-farm: how to get a fast, easy quote
Get a fast, easy quote by entering three basic details and reviewing options that match your property and budget. The online flow is streamlined so many people complete it in under ten minutes.
What you’ll need to start
Begin with your property address, your date of birth, and the desired coverage start date. These items let the system build an initial price estimate quickly.
Information we help prefill and the details you confirm
State Farm searches public records to prepopulate facts like year built, finished square feet, and occupancy. You confirm those details and add specifics to refine the premium.
Prepare to answer a few simple questions about other structures, number of residents, and whether the home is primary or seasonal. You’ll also enter insurance history, including any claims in the last five years and prior carrier dates.
| Step | Typical inputs | Why it matters |
|---|---|---|
| Start quote | Address, DOB, start date | Generates fast, personalized options |
| Prefill & confirm | Year built, sq ft, stories | Helps set accurate dwelling limits |
| Risk details | Claims history, other structures | Reflects true risk and price |
| Safety & discounts | Alarms, sprinklers, fire access | May lower your insurance policy cost |
You can start online and finish with an agent or in the mobile app if you prefer. After confirming details, review limits, deductibles, and endorsements, then choose the policy that fits your needs.
From repair to replace: how the homeowners claim process works
When damage happens, quick documentation and clear next steps help you move from loss to repair with less stress. Document damage with photos and notes, then take steps to mitigate further harm.
Document, mitigate, and file — online, by phone, or in the mobile app
File your claim online, in the mobile app, or call 800-SF-CLAIM (800-732-5246). Your claim handler guides you and answers questions as you proceed.
Payments, deductibles, and coverage limits explained
Payments arrive by EFT, direct deposit, or check. Your deductible applies and policy limits cap settlements. Typical covered perils include wind, hail, fire, lightning, and some abrupt water losses. Wear and tear, rot, workmanship, and flood are usually excluded unless endorsed.
Premier Service resources: contractor locator and roof claims support
You may choose any contractor. If you want help, Premier Service offers a Contractor Locator and roof claims resources to streamline repairs and roofing work.
“Document first, mitigate second, and call or log the claim right away to keep repair timelines moving.”
| Step | What you do | What to expect |
|---|---|---|
| Document | Photos, notes, inventory | Faster review and accurate payment |
| File | App, online, or 800-SF-CLAIM | Assigns a claim handler |
| Repair | Your contractor or Premier Service | Payments via EFT, deposit, or check |
| Other structures | Detached garage, fences | Typically ~10% of dwelling limit |
Your local State Farm agent and mobile app support
A nearby agent can walk you through coverage choices and local risks in plain language. You get guidance that matches building codes, weather patterns, and neighborhood trends.
Personalized service from a nearby agent who knows your needs
Your dedicated agent reviews limits, endorsements, and discounts tied to your home and property. With more than 19,000 agents nationwide and 91 million+ policies and accounts served, you benefit from scale plus local attention.
Do more in the State Farm mobile app: file and track claims, manage policies
The award-winning mobile app helps you pay bills, access ID cards, file and track claims, and manage coverages on the go. Start online, then loop in your agent to confirm details before you bind a policy.
“Tap the app for quick tasks, and call your agent for choices that need a human touch.”
- Your agent explains state-specific rules and discount eligibility.
- They help align coverage after upgrades like a new roof or finished basement.
- Use digital tools for convenience and agent support for complex decisions.
Additional options and important information that may vary by state
Explore extra protections and state-specific add-ons that fill gaps a standard homeowners policy often leaves open.
Related coverages for different homes and renters
You can choose condo, renters, manufactured home, rental property, and personal property policies to match your situation.
Most homeowners policy forms do not cover manufactured homes, so a distinct product is usually required. Eligibility may vary by state and by the property type.
Flood and earthquake: separate safeguards
Flood is not part of a standard policy. Flood insurance is typically written through the NFIP (administered by FEMA), and your agent can help you obtain it.
Earthquake coverage is also separate. Ask whether an endorsement or standalone policy is available where you live, since availability may vary state to state.
Ting program and loss prevention
The Ting program helps detect electrical hazards before they start fires. Availability may vary, so check with your agent about enrollment and any discounts.
“Pairing prevention tools with the right policies reduces risk and can lower long-term costs.”
| Option | What it covers | Typical availability | Why ask an agent |
|---|---|---|---|
| Renters/Condo | Personal property & liability | Widely available | Tailors limits to your living situation |
| Manufactured home | Home structure & contents | Separate product in most states | Confirms eligibility and discounts |
| Flood | Rising water losses | NFIP or private market | Agent assists with NFIP placement |
| Earthquake | Seismic damage | Depends by state | Determines endorsement or standalone need |
If you bundle life insurance or a life insurance policy with your property insurance, your agent can review how multi-line relationships may help protect value and eligibility may change your savings.
Conclusion
,Make a confident decision by balancing price, coverage, and the local guidance you can trust. Ask a State Farm agent to compare options, confirm discounts, and explain endorsements that close common gaps.
Keep a current home inventory so your personal property and home property limits match what you own. Review limits annually and after major purchases or renovations.
Bundling can help you save money — surveys show average savings up to $1,356 for some new customers, though results vary by state. Use the app for fast quotes, claims, and account tasks, and call your farm agent for choices that need a human touch.
In short: weigh options, document your home, and lean on local insight to get coverage that fits your needs and budget.
FAQ
What does a typical homeowners policy from State Farm protect?
A standard policy covers your dwelling, other structures on the property, and your personal property against common perils such as wind, hail, fire, lightning, and theft. You can also add endorsements for expanded protection. Coverage details and limits vary by state and policy, so review your declarations page or talk with your agent to confirm what’s included.
Are wear and tear or flood damage covered?
No. Routine wear and tear, maintenance issues, and flood damage are not covered by a typical homeowners policy. Flood protection requires a separate flood policy, and coverage for gradual damage often isn’t available. Ask your agent about separate options for flood and specific exclusions that may apply to your home.
How can you save money when you buy homeowners and auto together?
Bundling home and auto policies can reduce your combined premium—savings vary by location but can be significant. Additional discounts may apply for things like newer roofing materials, home security devices, wind mitigation, and being claim-free. Check with your local agent for the exact discounts you qualify for.
What information do you need to get a fast, easy quote?
To get a quick quote you’ll typically provide the property address, desired policy start date, and basic personal details like your date of birth. You’ll also confirm dwelling characteristics, replacement cost estimates, and any safety features. Online tools and your agent can prefill some fields to speed the process.
How does the claim process work from repair to replace?
First, document and mitigate damage to prevent further loss, then file a claim online, in the mobile app, or by phone. An adjuster will assess the loss, and you’ll receive guidance on payments, deductibles, and coverage limits. Resources such as contractor locators and roof claim support can help with repairs or replacement.
What payment options and deductible choices are available?
Payment methods include monthly installments or annual payment, and deductible levels are selectable to balance your premium and out-of-pocket cost after a loss. Your deductible choice affects claim payments and can vary by coverage type. Discuss options with your agent to match your budget and risk tolerance.
How can a local agent and the mobile app support you?
Your nearby agent offers personalized guidance on coverages, endorsements, and claims. The mobile app lets you file and track claims, manage policies, view ID cards, and pay bills. Combining agent support with digital tools gives you both human advice and fast self-service options.
What optional coverages should you consider to protect more of your home?
Consider endorsements for increased personal property limits, identity theft, scheduled valuables, additional dwelling coverage, and equipment breakdown. You can also add loss of use coverage for living expenses if your home becomes uninhabitable. Availability varies by state and property type.
Are condo, renters, and manufactured home coverages the same as a homeowners policy?
No. Condo unitowners, renters, and manufactured home policies address different risks. Unitowners policies focus on interior improvements and personal property, renters policies protect belongings and liability, and manufactured home policies are tailored to that structure. Talk with your agent to get the appropriate product.
Do you need separate earthquake or flood insurance?
Yes. Standard homeowners policies typically exclude earthquake and flood. If you live in a high-risk area, you should purchase separate earthquake or flood insurance to protect against those perils. Your agent can explain options and help you get the right coverage for your location.
What is the Ting program and how does it help prevent fires?
The Ting program offers electrical monitoring devices that detect faulty wiring and overheating to help prevent electrical fires before they start. It’s an optional service available in participating areas and can reduce fire risk and potentially lower insurance-related concerns. Ask your agent if it’s available where you live.
How do replacement cost and actual cash value differ for personal property?
Replacement cost pays to repair or replace items with new equivalents, while actual cash value factors in depreciation. Replacement cost gives more complete recovery after a loss but may cost more in premium. Review your policy options to choose the right approach for your belongings.
What should you do right after discovering damage to your home?
Safeguard people first, then document the damage with photos and receipts, take reasonable steps to prevent further loss, and file a claim promptly online, in the app, or by phone. Keep records of repairs and communications to support your claim and speed up the process.
Can discounts and eligibility vary by state?
Yes. Discount availability, pricing, eligibility, and certain coverages may vary by state. For precise information about savings like claim-free discounts, bundling, and property-related discounts, consult your local agent who knows state-specific options.
