What Does State Farm Home Systems Protection Cover?

State Farm’s home systems protection is an add-on coverage to your home insurance policy that covers accidental electrical and mechanical breakdowns of your appliances.

Jacklyn Walters
Written byJacklyn Walters
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Jacklyn WaltersInsurance Writer

Jacklyn Walters is a personal finance writer. She has a bachelor's degree from SUNY-Buffalo and specializes in home insurance, striving to help customers make informed decisions about their insurance policies.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Updated January 17, 2024 at 11:00 AM PST

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Home insurance is a great way to offset expensive repair costs in case your home or personal property sustains damage. Your homeowners insurance policy also likely protects your home appliances from covered losses, but some policies won’t cover certain appliances, electrical systems, or types of property damage.

Even the most comprehensive homeowners policy has exclusions that can leave homeowners high and dry when it comes to perils like floods, earthquakes, and water backups, as well as other high-risk factors.

If you’re looking for full insurance protection for all your belongings and home systems, you have options. Some insurers, including Mercury and State Farm, offer home systems protection to help cover repairs for “unexpected breakdowns” of some of your home’s most pertinent electrical systems. 

The coverage typically costs between $15 and $100 per year, though the exact cost may vary. To find out more about how much State Farm home systems protection would cost for your home insurance policy, contact a State Farm agent.[1]

What your home insurance coverage includes

Standard homeowners insurance policies come with a few basic coverage options, including dwelling coverage, other structures coverage, personal liability coverage, medical payments coverage, and loss of use (or additional living expenses) protection. Each of these aspects of your home insurance policy includes protection for your home, belongings, and even your family members.

The combination of these coverage options protects items such as:

  • Roofing

  • Walls

  • Staircases

  • Built-in cabinets

  • Built-in appliances, like stoves

  • AC units

  • Water heaters

  • Garages

  • Personal belongings, like clothing

  • Technology, like TVs and computers

Homeowners insurance companies will pay policyholders to repair damages to these items as long as the damage was caused by a covered loss, like natural disasters, theft, or vandalism.

These policies don’t protect items like:

  • Swimming pools

  • Trampolines

  • Sump pumps

  • Plumbing

  • Expensive furs or jewelry

But just because an item isn’t covered doesn’t mean your policy won’t pay for damages those items cause. For example, your policy may cover water damage caused by a leaky pipe but won’t pay to repair plumbing since most of these damages could be prevented with regular maintenance.

On the other hand, even covered items are only protected from certain damages. So your microwave is covered if a fire leaves the appliance unusable, but if your microwave stops working due to natural wear and tear, you’ll have to cover the replacement cost out of pocket.

Important Information

If a flood, ground movement, sewer backup, or unexpected electrical or mechanical breakdowns render your items unusable, you’ll need add-ons like flood insurance and home systems protection in order for your insurer to cover the damages.

What is home systems protection coverage?

Home systems protection is a type of endorsement, or add-on, that helps fill the gaps in your homeowners coverage. Specifically, home systems protection pays for sudden and accidental breakdowns of your home’s electrical and filtration systems.

Where standard home insurance will cover your home’s air conditioning if a natural disaster damages it, home systems protection helps pay to replace your air conditioning if it stops working unexpectedly.

Home systems protection covers items such as:

  • Central air and heating systems

  • Hot water heaters

  • Sump pumps

  • Refrigerators

  • Freezers

  • Dishwashers

  • Ovens

  • Clothing washers and dryers

  • Water purification systems

  • Water filtration systems

  • Home security systems and burglar alarms

  • Computers

  • Medical equipment

  • Swimming pool equipment

  • Generators

Adding a home systems endorsement to your home insurance policy will help ensure that if any of your electronics or appliances malfunction out of the blue, you won’t have to pay for the unanticipated replacements on your own.

Insurers won’t issue home systems reimbursements for damages caused by natural wear and tear, rust, or corrosion, or for those that could have been prevented with normal maintenance. Home systems coverage also doesn’t pay for upgrading appliances (unless they’ve suddenly experienced a mechanical or electrical breakdown).

Keep in Mind

Home systems insurance costs, deductibles, and coverage limits differ between insurance companies. Still, these endorsements typically include up to $50,000 in coverage with a $500 deductible.

State Farm additional coverage options

State Farm’s home systems protection endorsement is only one of the additional coverage options the insurer offers. For policyholders seeking complete protection for their home and belongings, check out these State Farm homeowners insurance add-ons:

  • illustration card https://a.storyblok.com/f/162273/100x100/4ec24627d2/flood-coverage.svg

    Flood insurance

    Flood insurance pays for home repairs and replacement of personal property after a flood.

  • illustration card https://a.storyblok.com/f/162273/x/a0c151e1ba/accidental-tearing-apart-cracking-etc.svg

    Earthquake insurance

    Earthquake insurance pays to repair or replace your home if it sustains damages in an earthquake.

  • illustration card https://a.storyblok.com/f/162273/x/e63dd8ec77/artificially-generated-electrical-currents.svg

    Service line coverage

    Service line coverage pays for repairing or replacing buried utility lines if they sustain damage from a covered peril.

  • illustration card https://a.storyblok.com/f/162273/x/2c500fdca3/accidental-discharge-of-water.svg

    Sewer backup coverage

    Sewer backup coverage pays for costs resulting from water damage that starts inside your home.

  • illustration card https://a.storyblok.com/f/162273/x/743065ad20/theft.svg

    Identity fraud protection

    Identity fraud protection covers the cost of restoring your identity if someone steals it.

  • illustration card https://a.storyblok.com/f/162273/100x100/c922a01b77/house.svg

    Energy efficiency upgrade

    State Farm will pay up to 150% of your expenses if you upgrade damaged systems to energy-efficient ones.

  • illustration card https://a.storyblok.com/f/162273/x/64a2fc54c7/good-driver.svg

    Umbrella insurance

    This increases your liability limits and acts as protection if you need to file a claim that exhausts your standard home insurance limits.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Full replacement cost coverage

    Full replacement cost coverage pays for the full cost of replacing your damaged home rather than just its actual cash value.

  • illustration card https://a.storyblok.com/f/162273/x/f2ca9fa443/protection-for-passengers.svg

    Personal injury liability coverage

    This pays for injury expenses when you’re at fault for the incident.

These endorsements come at an additional cost to your standard home insurance premium. Not every homeowner will need every additional coverage option, but each of these policies can help fill the gaps in your basic homeowners coverage, depending on your insurance needs.

What a typical homeowners insurance policy covers

Home insurance comprises six coverages, identified by the letters A through F:

  • Coverage A – Dwelling coverage: This pays for damages to your home’s structure.

  • Coverage B – Other structures: This covers damages to unattached structures on your property, like a detached garage or tool shed.

  • Coverage C – Personal property: This pays to replace personal belongings in the home affected by a covered loss. Coverage C typically has a lower limit for highly valuable items, like jewelry, firearms, antiques, and furs.

  • Coverage D – Loss of use: If your home is left uninhabitable or parts of the home are unusable after a covered loss, coverage D will help pay for your additional living expenses while you rebuild.

  • Coverage E – Personal liability: This provides coverage if you or another member of your home are found legally responsible for an injury to someone.

  • Coverage F – Medical payments to others: If someone accidentally injures themselves on your property, this coverage will pay for their medical expenses, regardless of your liability.

In general, most homeowners insurance policies offer all six types of coverage. However, the level of coverage for each will vary from policy to policy. Make sure you thoroughly understand what your home insurance covers and how much your insurer will pay out for losses before you buy a policy.

State Farm home systems protection FAQs

If you’re interested in home systems protection coverage, this additional information may help as you research your options.

  • Does home systems protection cover normal wear and tear?

    Home systems protection coverage typically covers accidental electrical and mechanical breakdowns but not damage caused by natural wear and tear. A home warranty may be a better option for policyholders with older homes and appliances.

  • How much does State Farm home systems protection cost?

    State Farm doesn’t include pricing on its website, so homeowners will need to contact a State Farm home insurance agent for specific information on the company’s home systems protection endorsement.

  • Does State Farm home systems protection cover older appliances?

    The age and condition of your appliances may affect the coverage they’re eligible for. Talk to your local agent about your policy’s exclusions before you need to file an insurance claim.

Sources

  1. Statefarm.com. "What Repairs Your Homeowners Insurance May Cover." Accessed December 7, 2023
Jacklyn Walters
Jacklyn WaltersInsurance Writer

Jacklyn Walters is a personal finance writer. She has a bachelor's degree from SUNY-Buffalo and specializes in home insurance, striving to help customers make informed decisions about their insurance policies.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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