Basics Of Homeowners Insurance

• What State Farm Covers

  Homeowners Insurance Covers:

  Examples not limited to:

  • Fire or Lightning
  • Windstorm or Hail
  • Freezing of plumbing system
  • Theft

  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
     
• Understanding The Value Of Your House

  We recommend that you purchase an amount of coverage at least equal to the estimated replacement cost of your house. But the choice is yours. Determining your home's estimated replacement cost is important because this will ultimately determine which policy options are available to you. Since it is impossible to predict today what the exact cost will be to replace your home in future, it’s important to have enough coverage to account for unforeseen circumstances.

  For More Information
• Taking A Home Inventory

  Along with insuring the value of your house, you'll also want to be sure your personal property is insured for the right amount. To do this, you should have a detailed list of your personal property and its value. Let State Farm help you get started documenting your possessions.

  Home Inventory