Home insurance is more than just a policy; it's peace of mind. It protects one of your most significant investments—your home—against unexpected events like:  

• Fire 
• Theft 
• Natural disasters 
• Liability claims 
• ... and more

In addition to protecting your home’s structure, a State Farm home insurance policy can help safeguard personal belongings and provide liability coverage if someone is injured on your property. Having home insurance ensures your family’s financial future is secure, no matter what life throws your way. 

State Farm home insurance offers a wide array of protection that’s designed to fit your needs. With flexible options and straightforward policies, you can confidently prepare for the unexpected.  

Here’s what State Farm offers for home insurance, including standard options and additional, optional selections:  

• Dwelling Coverage: Help's cover your home’s structure, including walls, roofs, and built-in appliances.
• Personal Property Coverage: Helps cover your belongings, such as furniture, electronics, and clothing, if damaged or stolen.
• Liability Protection: Offers financial assistance if someone is injured on your property or if you accidentally cause damage to someone else’s property.
• Additional Living Expenses (ALE): Covers temporary housing costs if your home becomes uninhabitable due to a covered loss.
• Earthquake Insurance: Protects your home and belongings against earthquake damage, essential for prone areas. **
• Home Systems Protection: Protects your home appliances against unexpected electrical and mechanical failures. **
• Replacement Cost Coverage: Ensures your belongings are replaced at their current value, not their depreciated value. **
• Identity Restoration Coverage: Helps recover from identity theft with resources and financial assistance. **

This isn’t a full list of every option available and the descriptions are general in nature to give you an understanding of how they help. They may be subject to policy terms as well. 

Goosehead specializes in creating custom policies for our clients. We learn yoru situation and can make sure that State Farm’s offerings are the right fit for your needs. 

** = Optional coverage that can be selected and put on your policy 

The cost of State Farm home insurance depends on several factors, including:  

• Location: Homes in areas prone to natural disasters may have higher premiums.
• Home’s Replacement Cost: The cost to rebuild your home impacts your premium.
• Coverage Limits and Deductibles: Higher coverage limits or lower deductibles can increase costs.
• Credit Score: A strong credit score reflects financial responsibility and can help reduce insurance premiums.
• Claims History: A history of recent or frequent claims suggests higher risk, which may result in higher insurance costs.

On average, State Farm offers competitive pricing with an emphasis on value and comprehensive protection.  

State Farm provides multiple ways to save on your home insurance policy:  

• Multi-Policy Discounts: Bundle home and auto insurance for significant savings.
• Home Safety Discounts: Installing security systems, fire alarms, or other safety features can lower premiums.
• Claims-Free Discount: Maintaining a claims-free history may qualify you for discounts.
• New Home Discount: Recently built homes may be eligible for reduced rates.

These are just a few ways you can save on your premiums. Other discounts may be available, but they may have more unique or specific requirements or qualifications.

Goosehead Insurance makes finding the right home insurance policy simple and hassle-free. Here’s why homeowners trust us:  

• Easy Comparisons: We compare State Farm’s offerings with other top carriers to find you the best fit.
• Expert Guidance: Our agents provide personalized advice to ensure you get the coverage you need.
• Streamlined Process: From getting a quote to finalizing your policy, we make the process quick and easy.
• Reliable Support: Goosehead agents are dedicated to giving you high-quality support when you need assistance.