Have home or property insurance questions? 我们已经有了答案.
Here you'll find answers to general 首页 and 财产 pp王者电子官网 questions.
Unless the cause of loss is excluded in the policy, a homeowners policy provides 报道 for personal liability, 支付给他人的医疗费用, and accidental direct physical loss to your dwelling.
除了, the policy provides 报道 for your personal property for specific perils including, 但不限于:
- 火
- 闪电
- 风暴
- 冰雹
- 盗窃
是的. 除了 to your dwelling, State Farm® covers other detached structures located on your property that are separated by clear space from the dwelling. The basic policy covers other structures at 10% of your dwelling 报道.
这包括但不限于:
- 独立车库
- 设备了
- 谷仓
- 客人别墅
联系 your agent about insuring other structures on your property.
The insurance 报道 amount is your choice. We recommend that you purchase 报道 equal to or greater than the estimated replacement cost of your home. Your home's estimated replacement cost also determines which policy options are available to you.
Since it's impossible to predict the cost to replace your home in the future, it's important to have enough 报道 to account for unforeseen circumstances.
Market value is the amount a buyer would pay for the home and land in its current condition. It is influenced by factors such as proximity to good schools, 本地罪案统计数字, 以及类似房屋的可用性.
Replacement cost is the cost to replace the entire home. When you insure your home for its estimated replacement value, your insurer will reimburse you for the cost of rebuilding your home, 受政策限制, based on the size and structure of the home that was lost.
重置成本不是:
- 房屋的市场价值
- 房屋的购买价格
- 土地的成本
- 任何抵押贷款的未偿金额
In most cases you can purchase a policy online at the end of the quote process. You can also retrieve and purchase a policy up to 30 days after you receive a quote.
When purchasing online you have the opportunity to verify the information you provided during the quote process.
注意: Premiums are based on the information provided which must comply with State Farm rules and may be revised.
State Farm helps you 保存 on homeowners insurance by offering the following discounts. 联系 your agent for additional discount information.
- Claim Free Discount - You may qualify for homeowners discounts when you have a claim free history for a specific time period.
- 首页 汽车 Discount - You may be eligible for a discount if you have a qualifying auto policy with State Farm.
- 首页 Alert Discount - You may qualify for homeowners discounts for using fire and burglar alarms.
- Utilities Rating Plans - You may qualify for homeowners discounts by updating your home utilities with a qualified contractor.
- Impact Resistant Roof - You may qualify for homeowners discounts by using certain impact-resistant roofing products.
- 汽车matic Sprinkler Discount - You may qualify for homeowners discounts if your home has indoor automatic fire sprinklers.
注意: pp王者电子官网, 报道, and discounts are subject to terms and conditions, 哪个州和pp王者电子官网范围不同.
Providing your Social 安全 number (SSN) is optional. 然而, providing a SSN is the most accurate way to help us identify consumer reporting information related to our applicants.
Your SSN is treated as confidential information in accordance with the State Farm privacy policy. We value our customers and potential customers and take privacy seriously.