Where is State Farm home insurance available?
State Farm homeowners insurance is available in 50 states and Washington, D.C.
State Farm homeowners coverage options
Along with standard coverages for your dwelling, personal property, liability, and more, State Farm offers quite a few additions that can be added to a homeowners policy. The availability of these options may vary by state.
Sewer or drain backup
This common endorsement protects against water damage as a result of overflow from sewers and drains.
Identity restoration coverage
State Farm will provide case management and expense reimbursement if your identity is stolen or used fraudulently.
Loss assessment coverage
If you're an HOA member, this coverage will cover losses that the HOA passes to its members.
Business pursuits coverage
This covers bodily injury and property damage liability for those in certain occupations.
Adult family home
If someone is providing adult care services in your home, this coverage protects against bodily injury and property damage.
Incidental business coverage
If you have an incidental office, professional or private school or a studio within the insured property, this covers bodily injury and property damage liability.
Nurses' professional liability coverage
This provides liability coverage specifically for registered nurses, licensed practical nurses and licensed vocational nurses.
Off-premises coverage
This coverage extends to structures located off-premises.
Increased limits for other structures
If you have detached structures, like a shed or garage, this coverage will increase your limit.
Personal injury liability coverage
If you're legally obligated to pay for personal injury offenses, this coverage steps in to defend your liability.
Rented personal property coverage
This covers rented property or items held for rental in your home, including cases of burglary.
Temporary rental coverage
Homeowners who rent out their homes for special events can add this endorsement to secure broader theft and liability coverage.
Vacancy coverage
If your dwelling has been unoccupied and devoid of home contents for over 30 days, this coverage protects the property against vandalism and glass breakage.
Waterbed liability coverage
This coverage pays for your liability should you become responsible for property damage caused by your waterbed.
State Farm home insurance discounts
The number of discounts on homeowners insurance from State Farm is slim compared to competing companies — and may not be available in some states.
- Multi-policy/bundling: Combine home insurance with auto to get this common discount.
- Safety features: If your home is equipped with smoke, fire or burglar alarms, you could be eligible for some savings.
- Roofing: Having an impact-resistant roof can result in a discount. State Farm requires that homeowners with qualifying roofs must file a certification form before this discount can be awarded.
- Higher deductibles: Technically, this isn't really a discount — it's a tip for lowering your rate since deductibles and premiums have an inverse relationship. Raise one to lower the other, and vice versa.
