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Homeowners Insurance
Protect your home with a company you can trust.
Get Covered With State Farm Homeowners Insurance
More people buy homeowners insurance from State Farm than any other insurer. Our claims network is one of the largest in the world, and it's accessible 24/7, online or by phone. And State Farm helps you save on homeowners insurance by offering a host of discounts for everything from multiple-line policies to everyday safety items like deadbolts and fire extinguishers.With State Farm Homeowners Insurance, you'll be protected if disaster strikes.
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
The State Farm Advantage
- State Farm Discounts
State Farm can help you save on homeowners insurance by offering discounts for:
- A claim-free history
- Purchasing multiple State Farm products
- Home security devices
- Utilities ratings plans
- Certain roofing materials
- Fire Sprinklers
Homeowners Insurance Discounts
Roofing Discounts - Florida And Louisiana Hurricane Mitigation Programs Residents of Florida and Louisiana can click on the links below to download documents for hurricane loss prevention discount programs in their state.
Florida Uniform Mitigation Verification Inspection Form
Louisiana Hurricane Loss Mitigation Survey Form
Locating Inspectors Qualified to Complete the Louisiana Hurricane Loss Mitigation Survey Form
State Farm Wind Mitigation Discount Plan: Louisiana Inspector Instructions - State Farm Premier Service Program®
When you need to repair your house after a loss, State Farm is there. Our Premier Service Program puts you in touch with reputable local contractors. Contact an Agent about your needs, and they'll help you choose a contractor, get an estimate, and cover costs above your deductible.
Premier Service Program - Coverages
Along with discounts and our Premier Service Program, State Farm offers a number of additional protection policies to supplement your homeowners insurance policy.
Personal Insurance
Flood Insurance
Home Business Insurance
Identity Restoration Coverage
State Farm also offers insurance for other types of housing.
Farm And Ranch Insurance
Manufactured Home Insurance
Renters Insurance
Get a Homeowners Quote
Continue a Quote
Get Trusted Advice
A local agent is ready to answer your questions.
Auto
Homeowners
Condo Owners
Renters
Life
Annuities
Health
Disability
Long-Term Care
Business
Boat
Other Insurance
With State Farm Homeowners Insurance, you'll be protected if disaster strikes.
Homeowners Insurance
Protect your home with a company you can trust.
Get Covered With State Farm Homeowners Insurance
More people buy homeowners insurance from State Farm than any other insurer. Our claims network is one of the largest in the world, and it's accessible 24/7, online or by phone. And State Farm helps you save on homeowners insurance by offering a host of discounts for everything from multiple-line policies to everyday safety items like deadbolts and fire extinguishers.With State Farm Homeowners Insurance, you'll be protected if disaster strikes.
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
The State Farm Advantage
- State Farm Discounts
State Farm can help you save on homeowners insurance by offering discounts for:
- A claim-free history
- Purchasing multiple State Farm products
- Home security devices
- Utilities ratings plans
- Certain roofing materials
- Fire Sprinklers
Homeowners Insurance Discounts
Roofing Discounts - Florida And Louisiana Hurricane Mitigation Programs Residents of Florida and Louisiana can click on the links below to download documents for hurricane loss prevention discount programs in their state.
Florida Uniform Mitigation Verification Inspection Form
Louisiana Hurricane Loss Mitigation Survey Form
Locating Inspectors Qualified to Complete the Louisiana Hurricane Loss Mitigation Survey Form
State Farm Wind Mitigation Discount Plan: Louisiana Inspector Instructions - State Farm Premier Service Program®
When you need to repair your house after a loss, State Farm is there. Our Premier Service Program puts you in touch with reputable local contractors. Contact an Agent about your needs, and they'll help you choose a contractor, get an estimate, and cover costs above your deductible.
Premier Service Program - Coverages
Along with discounts and our Premier Service Program, State Farm offers a number of additional protection policies to supplement your homeowners insurance policy.
Personal Insurance
Flood Insurance
Home Business Insurance
Identity Restoration Coverage
State Farm also offers insurance for other types of housing.
Farm And Ranch Insurance
Manufactured Home Insurance
Renters Insurance
Get a Homeowners Quote
Continue a Quote
Get Trusted Advice
A local agent is ready to answer your questions.
Auto
Homeowners
Condo Owners
Renters
Life
Annuities
Health
Disability
Long-Term Care
Business
Boat
Other Insurance
Replacement cost IS NOT:
When you upgrade or improve your home, you may increase your home’s estimated replacement cost. Your State Farm agent will then help you adjust your policy to meet your coverage needs. As part of your policy’s provisions, you have 90 days to notify us of any remodeling or additions to your home that increases its value by $5,000 or more.
Has the rate of inflation risen since your last appraisal?
State Farm provides coverage that automatically adjusts each year in an effort to compensate for increases in construction costs in your area. However, certain conditions such as severe weather can increase the demand for labor and materials, and raise costs beyond normal inflation. It is important to update your coverage amount each year to keep up with the
changing economy.
What influences the building costs in your area?
Market conditions in your area may impact the amount it will cost to rebuild your home if you experience a loss. Replacement cost estimates are influenced by supply of labor, demand for labor, and the cost of construction materials. Keeping up with the current market conditions in your area and changing your coverage amount accordingly, will help you maintain coverage at least equal to 100 percent of the estimated replacement cost coverage for your home.
If you have any questions, contact your State Farm agent or visit statefarm.com®.
All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements.
State Farm Fire and Casualty Company
How to Determine Your Home Insurance Coverage
Understanding the Value of Your Home
Your home may be the biggest investment you’ll ever make. So if you’re serious about protecting that investment, here is some important information to consider when determining the coverage amount for your home.Make sure that your home is insured for at least 100% of its estimated replacement cost
To determine your amount of homeowners insurance coverage:- Get an estimate of the replacement cost of your home.
- Select the coverage amount that best fits your needs.
Understand the difference between market value and replacement cost
Market value is the amount a buyer would pay for a home, including the land, regardless of how much it would cost to rebuild the home. Replacement cost for this purpose is the rebuilding cost necessary to repair or replace the entire home.Replacement cost IS NOT:
- The market value of the home.
- The home’s purchase price or the cost of the land.
- The outstanding amount of any mortgage loan.
When buying a new home, be sure to obtain a replacement cost estimate
Before you purchase a new home, make sure that you determine the appropriate amount of coverage needed. Here’s how:- Ask if a replacement cost estimate is available when you have the home appraised.
- Or, consult with your local builder association or a reputable builder for an estimate.
- You can also check with your State Farm® agent to help you with this process.
Be aware of any architectural details or unique building materials that may affect your estimated replacement cost, such as:
- Upgraded bathrooms or kitchens (including cabinets).
- Finished or partially finished basement.
- Additional rooms or living space.
- Custom molding or arched windows.
- Other unique features.
A contractor or appraiser can help estimate your home’s replacement cost
Building contractors or professional replacement cost appraisers are a good source for obtaining an estimated replacement cost of your home. Estimates from these sources should reflect your home’s features, like those mentioned above. If you are unable to obtain a detailed estimate from these sources, your State Farm agent can discuss other options for estimating the replacement cost of your home.Review your homeowners insurance coverage annually to make sure that your coverage meets your needs
Have you recently remodeled or improved your home?When you upgrade or improve your home, you may increase your home’s estimated replacement cost. Your State Farm agent will then help you adjust your policy to meet your coverage needs. As part of your policy’s provisions, you have 90 days to notify us of any remodeling or additions to your home that increases its value by $5,000 or more.
Has the rate of inflation risen since your last appraisal?
State Farm provides coverage that automatically adjusts each year in an effort to compensate for increases in construction costs in your area. However, certain conditions such as severe weather can increase the demand for labor and materials, and raise costs beyond normal inflation. It is important to update your coverage amount each year to keep up with the
changing economy.
What influences the building costs in your area?
Market conditions in your area may impact the amount it will cost to rebuild your home if you experience a loss. Replacement cost estimates are influenced by supply of labor, demand for labor, and the cost of construction materials. Keeping up with the current market conditions in your area and changing your coverage amount accordingly, will help you maintain coverage at least equal to 100 percent of the estimated replacement cost coverage for your home.
If you have any questions, contact your State Farm agent or visit statefarm.com®.
All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements.
State Farm Fire and Casualty Company
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- 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 - State Farm Discounts
State Farm can help you save on homeowners insurance by offering discounts for:
- A claim-free history
- Purchasing multiple State Farm products
- Home security devices
- Utilities ratings plans
- Certain roofing materials
- Fire Sprinklers
Homeowners Insurance Discounts
Roofing Discounts - Florida And Louisiana Hurricane Mitigation Programs Residents of Florida and Louisiana can click on the links below to download documents for hurricane loss prevention discount programs in their state.
Florida Uniform Mitigation Verification Inspection Form
Louisiana Hurricane Loss Mitigation Survey Form
Locating Inspectors Qualified to Complete the Louisiana Hurricane Loss Mitigation Survey Form
State Farm Wind Mitigation Discount Plan: Louisiana Inspector Instructions - State Farm Premier Service Program®
When you need to repair your house after a loss, State Farm is there. Our Premier Service Program puts you in touch with reputable local contractors. Contact an Agent about your needs, and they'll help you choose a contractor, get an estimate, and cover costs above your deductible.
Premier Service Program - Coverages
Along with discounts and our Premier Service Program, State Farm offers a number of additional protection policies to supplement your homeowners insurance policy.
Personal Insurance
Flood Insurance
Home Business Insurance
Identity Restoration Coverage
State Farm also offers insurance for other types of housing.
Farm And Ranch Insurance
Manufactured Home Insurance
Renters Insurance - Home
- Learning Center
- Residence
- Insurance
- Creating A Home Inventory
- Receipts
- Credit card statements
- Other transaction documents
- Appraisals (include the appraiser's name and address)
- Homeowners
- Condo Owners
- Renters
- Life
- Annuities
- Health
- Disability
- Long-Term Care
- Business
- Boat
- Other Insurance
- Homeowners
- Condo Owners
- Renters
- Life
- Annuities
- Health
- Disability
- Long-Term Care
- Business
- Boat
- Other Insurance
- Building Coverage – Is all inclusive covering the building and anything attached to it, i.e. fixtures, flooring and cabinets, as well as any Auxiliary Structures a Residential Community Association would have such as signs, fencing, garage(s), pool, and/or clubhouse
- Comprehensive General Liability – To help protect the insured against legal liability caused by bodily injury, property damage, personal injury, and advertising injury to others
- Directors and Officers Liability – Coverage is an errors and omissions coverage that protects members of the board in the management of the association
- Employee Dishonesty – Provides coverage in the event of a direct physical loss to Business Personal Property and money and securities caused by a dishonest act committed by an employee. If an association contracts someone to manage the property for them, i.e. a Property Management firm, the association would need to obtain a Fidelity Bond from the Bond Department
- Building Ordinance & Law – Covers the loss of value and increased cost due to the enforcement of municipal laws or ordinances regulating the construction or repair of damaged buildings caused by an insured loss
- Data Compromise and Identity Restoration – Coverages work together to help your business and you get back on track after a data breach occurs or if you, the business owner, becomes a victim of identity theft
- Home
- Insurance
- Property & Liability
- Residential Community and Homeowner - State Farm
Protect your home with a company you can trust.
Get Covered With State Farm Homeowners Insurance
More people buy homeowners insurance from State Farm than any other insurer. Our claims network is one of the largest in the world, and it's accessible 24/7, online or by phone. And State Farm helps you save on homeowners insurance by offering a host of discounts for everything from multiple-line policies to everyday safety items like deadbolts and fire extinguishers.With State Farm Homeowners Insurance, you'll be protected if disaster strikes.
Basics Of Homeowners Insurance
The State Farm Advantage
Get a Homeowners Quote
Continue a Quote
Get Trusted Advice
A local agent is ready to answer your questions.
You are here:
A home inventory is an excellent way to expedite the insurance claims process after theft, damage, or loss. This record of your insurable assets will not only help you in the settlement of a covered loss or claim, but will also help verify tax-deductible property losses and determine the right amount of insurance coverage you need.
Here are a few steps to make creating a home inventory as easy as 1-2-3.
Create your home inventory now.
Get Started
A good way to start is to move from room to room, listing items as you go. Don't forget to include the items in your basement, attic, garage, and any detached structures, such as tool sheds. Also, pay special attention to your most valuable possessions, such as antiques, art, jewelry, collectibles, and electronic equipment. If you have any questions about which items are covered by your policy, contact your insurance agent.
Keeping proper documentation will also help to facilitate the claims process. This documentation, which can be scanned for digital storage, includes:
Here are a few steps to make creating a home inventory as easy as 1-2-3.
1. Choose A Method
While a home inventory can be as simple as a list or a visual record, an effective home inventory should include both for added security.
State Farm HomeIndex™
Your inventory: Simplified™. State Farm HomeIndex is a free online tool that combines the home inventory list with the visual record, all in one place. HomeIndex makes documenting your valuables especially easy because it walks you through the inventory process, allows you to share your inventory with your agent, and can even help you when you move.Create your home inventory now.
Get Started
* State Farm HomeIndex™ is approved for registered US customers only.
Home Inventory List
A comprehensive home inventory list catalogs your belongings and should include the item description (make, model, and serial number, if applicable), value, and purchase date. You can create your own list using a spreadsheet or fill out a home inventory checklist that's ready to go.
Visual Record
A visual record of your possessions shows proof of ownership. This can be accomplished with a video walk-through of your home or through a series of photographs.2. Document Thoroughly
Your home inventory should support the claims process for events ranging from the total loss of your home by fire to the theft of a few items. That's why it's important to thoroughly document your belongings to ensure proper coverage.A good way to start is to move from room to room, listing items as you go. Don't forget to include the items in your basement, attic, garage, and any detached structures, such as tool sheds. Also, pay special attention to your most valuable possessions, such as antiques, art, jewelry, collectibles, and electronic equipment. If you have any questions about which items are covered by your policy, contact your insurance agent.
Keeping proper documentation will also help to facilitate the claims process. This documentation, which can be scanned for digital storage, includes:
3. Keep Your Home Inventory Safe
Don't let your home inventory become part of a property loss. Whichever inventory method you choose, it's important to keep a copy in a bank safe deposit box or other secure location away from your home. This is another advantage of using an online tool like State Farm HomeIndex — it secures your information on the Internet, so you can access it from anywhere, whenever you need it.Auto
Affordable Home Insurance - Discounts
Multiple Line Discounts
When you purchase your home and auto insurance from State Farm, you could be eligible for premium insurance discounts on both policies.Home Alert Discounts
You may qualify for insurance discounts for having such devices as fire or smoke detectors, or burglar alarms (this may not be available in some states or provinces).In addition, you may be able to lower your premiums with higher deductibles.
Higher deductibles lower your premium, but increase the amount you must pay out of your own pocket if a covered loss occurs. Ask yourself how much you are willing to pay in order to save on premium.Home insurance discounts are not available in some states or provinces.
Auto
Residential Community and Homeowner
Associations
Coverage for Your Community
No two associations are the same. And no two associations have the same coverage needs. That's why you need coverage tailored to your building and other property.Here's a Few of the Distinctive Features Available in the Residential Community and Homeowner Associations:
Let a local State Farm® agent help you customize a plan for your association that is tailored to your needs.
This is only a general description of coverages of the available types of insurance and is not a statement of contract. Details of coverage, limits or services may not be available for all businesses and vary in some states. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and in any endorsements.
Identity Restoration and Data Compromise not yet available in: NY,CA,FL,RI
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Lewis Insurance
2525 S. Lamar Ste 11
Austin, TX
78704
