State Farm offers a variety of car insurance coverage options, including:

• Liability, including bodily injury and property damage
• Collision: Pays to repair or replace your vehicle after a collision with another object or if it rolls over. Extends beyond your own car to also cover non-owned cars, temporary substitute cars, and newly acquired cars. 
• Comprehensive: Pays to repair or replace your vehicle if it's stolen or damaged by fire, wind, hail, flood, vandalism, hitting an animal, etc. 
• Uninsured/underinsured motorist: Pays for your medical bills, lost income, and damages after an accident in which the at-fault driver has little or no liability insurance. 
• Medical payments: Pays for medical and funeral expenses of the policyholder, passengers, or a member of the policyholder's family if they’re injured in an accident, regardless of who is at fault. 
• Emergency roadside service: Pays for towing, mechanical labor, gas and battery delivery, locksmith labor, etc.
• Car rental and travel expenses: Available with collision and comprehensive coverage. Pays for the cost of a rental car up to the amount set in your policy, and reimburses you up to $500 for food, lodging, and other transportation. 

State Farm offers Rideshare Driver Coverage to its personal auto insurance policyholders. This additional coverage extends your personal auto insurance to cover you when you drive for a Transportation Network Company (TNC) like Uber or Lyft. 

State Farm Rideshare Driver Coverage applies when:

• The app is on, available for hire: Extends all coverages from your personal policy and may include liability to others, damage to your car, medical coverages, roadside assistance, rental reimbursement, and uninsured/underinsured motorist.
• Matched with a rider: Extends all personal coverages, except liability, and may include damage to your car, medical coverages, roadside assistance, rental reimbursement, and uninsured/underinsured motorist. 
• Transporting: Extends all personal coverages, except liability, and may include damage to your car, medical coverages, roadside assistance, rental reimbursement, and uninsured/underinsured motorist. 

State Farm offers comprehensive motorcycle insurance for two- and three-wheeled bikes, including factory-built motorcycles, classic motorcycles, custom motorcycles, motor scooters, minibikes, and trail bikes.

Motorcycle insurance policy coverages with State Farm include:

• Liability, including bodily injury and property damage
• Uninsured/underinsured motorist: Pays for your medical bills, lost income, and damages after an accident if the at-fault driver has little or no liability insurance. 
• Collision: Pays to repair or replace your motorcycle after a collision with another object or if it rolls over. 
• Comprehensive: Pays to repair or replace your motorcycle if it’s stolen or damaged by fire, wind, hail, flood, vandalism, hitting an animal, etc. This coverage even applies when your bike is in storage for the winter.
• Custom motorcycle work, such as paint. 
• Attached sidecars.
• Emergency roadside expenses.
• Damage to protective gear, like helmets. 
• Trip interruption expenses.

State Farm offers protection against the risks that come with owning and operating a boat, its motor, and its trailer. 

With a State Farm boat insurance policy, your runabout, sport boat, cruiser, yacht, sailboat, bass boat, Jet Skis, houseboat, kayaks, and canoes will be protected from a number of perils, such as sinkings, fires, thefts, storms, collisions, capsizings, explosions, and strandings. 

Standard boat insurance coverages include:

• Liability: Covers you in the event your boat causes injuries to others or damage to other boats, docks, or structures. 
• Newly acquired watercraft: Covers damages to your new boat.
• Reasonable repairs: Covers repairs made to prevent any further damage to your boat after a covered incident.
• Emergency services: Pays up to a specified amount for towing and labor services for your boat, its motor, and its trailer. 
• Wreckage removal: If required by law, State Farm will pay to have your wrecked boat removed from the water.

State Farm offers snowmobile insurance coverage whether your vehicle is out on the trails or stored in your garage. Standard coverages include:

• Liability, including bodily injury and property damage
• Uninsured/underinsured snowmobiler: Pays for your medical bills, lost income, and damages after an accident if the at-fault driver has little or no liability insurance. 
• Collision: Pays to repair or replace your snowmobile after a collision with another object or if it rolls over. 
• Comprehensive: Pays to repair or replace your snowmobile if it’s stolen or damaged by fire, wind, hail, flood, vandalism, hitting an animal, etc. This coverage even applies when your snowmobile is in storage.

State Farm’s motorhome insurance policies cover your RV and truck or van campers against damages caused by fire, storms, theft, and collision.

Standard motorhome policies include coverage for:

• Liability, including bodily injury and property damage
• Uninsured/underinsured motorist: Pays for your medical bills, lost income, and damages after an accident if the at-fault driver has little or no liability insurance. 
• Collision: Pays to repair or replace your motorhome after a collision with another object or if it rolls over. 
• Comprehensive: Pays to repair or replace your motorhome if it’s stolen or damaged by fire, wind, hail, flood, vandalism, hitting an animal, etc.
• Emergency roadside services, in the event of a mechanical breakdown.

State Farm offers all-terrain vehicle (ATV) insurance coverage whether your vehicle is out on the trails or stored in your garage. Standard coverages include:

• Liability, including bodily injury and property damage
• Uninsured/underinsured motorist: Pays for your medical bills, lost income, and damages after an accident if the at-fault driver has little or no liability insurance. 
• Collision: Pays to repair or replace your ATV after a collision with another object or if it rolls over. 
• Comprehensive: Pays to repair or replace your ATV if it’s stolen or damaged by fire, wind, hail, flood, vandalism, hitting an animal, etc. This coverage even applies when your ATV is in storage.

State Farm offers golf cart insurance coverage whether your vehicle is out on the trails or stored in your garage. Standard coverages include:

• Liability, including bodily injury and property damage
• Uninsured/underinsured motorist: Pays for your medical bills, lost income, and damages after an accident if the at-fault driver has little or no liability insurance. 
• Collision: Pays to repair or replace your golf cart after a collision with another object or if it rolls over. 
• Comprehensive: Pays to repair or replace your golf cart if it’s stolen or damaged by fire, wind, hail, flood, vandalism, hitting an animal, etc. This coverage even applies when your golf cart is in storage.

State Farm offers home insurance policies to cover your property from damages caused by weather, theft, sudden accidents like burst pipes, and more.

A standard home insurance policy typically offers coverages like:

• Dwelling: Covers damage to the physical structure of your house and any detached structures, such as fences, garages, shed, etc.
• Personal property: Covers content of your house like furniture, clothing, and appliances from theft, fire, etc.
• Liability: Protects you against lawsuits if you’re found responsible for injuries or damages to another person. 
• Medical payments: Pays medical bills for others hurt while on your property.
• Loss of use: Pays for living expenses if your house is deemed uninhabitable after a cover loss. 

State Farm offers standard renters insurance to protect your personal property (computers, furniture, electronics, bikes, etc.) from perils like fire, lightning, freezing, wind, theft, vandalism, etc. 

State Farm offers a variety of condo insurance options to fit your unique housing and condo association needs. 

Standard condo insurance coverages include:

• Building property: Covers alterations and installations you’ve made to your condo unit.
• Personal property: Pays to replace damaged personal items, like clothing or furniture.
• Loss of use: Pays for a substitute place to live while your condo is being repaired after a covered loss. 
• Loss assessment: In the event your condo association is found liable for an amount higher than their liability coverage, loss assessment pays your share of what is left of the claim. 
• Personal liability: Pays defense and settlement costs if someone sues you for bodily injury or property damage. 
• Medical payments: Pays for medical expenses of the policyholder and guests if they’re injured in an accident on the property.

Optional coverages from State Farm include:

• Refrigerated products: Covers cost of spoiled food in the refrigerator or freezer due to power or mechanical failure. 
• Counterfeit money and forgery expenses: Covers up to $1,000 in relation to forgery and counterfeit money.
• Claim expenses: Covers defense costs.
• Fire department service charge: Pays up to $500 for fire department service fees. 
• First aid expenses: Covers first aid expenses for people other than the insured. 
• Debris removal: Pays to remove damaged property after a covered loss. 
• Trees, shrubs, and other plants: Covers damage to trees, shrubs, and other plants caused by fire, lightning, explosion, riot, civil commotion, aircraft, vehicles, or vandalism.
• Volcanic action: Covers property damage caused by volcanic blast, airborne shock waves, ash, or lava flow.
• Absentee ownership: Special coverage for when you own your condo but rent it out most of the time. 
• Additional living expenses: Covers the cost of living expenses, like food and shelter, while your condo is being repaired or replaced. 
• Fair rental value: Covers your loss of rental income while your condo unit is being repaired after a covered loss. 
• Inflation: Automatically increases your building property and personal property coverage to keep up with inflation. 
• Collapse: Covers property collapse caused by certain perils. 
• Damage to the property of others: Pays up to $500 to cover at-fault property damage to others. 
• Locks: Pays to replace your exterior locks after a theft. 
• Temporary repairs: Pays to temporarily repair property in order to prevent further damage. 

State Farm offers standard manufactured home insurance. Coverages include:

• Dwelling: Covers damage to the physical structure of your mobile home and any detached structures, such as fences, garages, shed, etc.
• Personal property: Covers content of your home like furniture, clothing, and appliances from theft, fire, etc.
• Liability: Protects you against lawsuits if you’re found responsible for injuries or damages to another person.

State Farm offers a Rental Dwelling Policy to protect a landlords’ rental property and any personal property located on the premises. This coverage is also known as landlord insurance or dwelling fire insurance. Coverage typically includes:

• Dwelling: Pays to repair or rebuild the dwelling structure and other detached structures on the property.
• Personal Property: Pays to repair or replace things like furniture and other personal property in your rental dwelling. 
• Loss of Rent: Pays you the fair rental income lost while your property is being repaired or rebuilt. 
• Liability: Protects you against injury and damage liability lawsuits. 

State Farm’s Farm or Ranch Insurance provides customizable coverage for both your personal and business needs. 

Standard Farm or Ranch Insurance coverages include:

• Farm home and contents: Pays to repair or replace items like clothing, furniture, and appliances if you live on your farm or ranch.
• Farm personal property: Pays to repair or replace items you use in your farming operations, such as farm machinery, grain, livestock, and farm tools. 
• Farm or Ranch structures/other buildings: Pays to repair or rebuild farm buildings and other structures on your property.
• Liability protection: Pays defense and settlement costs if someone sues you for bodily injury or property damage. 
• Medical expenses: Pays for medical bills of guests who are accidentally injured on your property or by your activities. 

State Farm provides personal articles insurance to cover your particularly valuable items beyond your homeowners or renters policy limits. This policy features worldwide coverage and a zero dollar deductible. 

A personal articles policy can cover items such as cameras, collectibles, computer equipment, fine art, furs, jewelry, medical devices, and more.

Coverages include:

• Replacement cost: Pays to repair or replace your stolen or accidentally damaged personal property, regardless of depreciation. 
• Broad pair and set: Pays the full amount needed to replace an item of jewelry that is part of a pair or set, like earrings.
• Inflation: Automatically adjusts your policy limits to account for inflation. 
• Wedding present: Provides temporary coverage (90 days) for your wedding rings and gifts. 

Most homeowners insurance policies do not protect against flood damage. State Farm offers flood insurance through the National Flood Insurance Program (NFIP), which is administered by the Federal Emergency Management Agency (FEMA).

State Farm’s Identity Restoration Insurance makes recovering your identity after a theft easier and less expensive. This coverage can be added to your State Farm home, renters, condo, mobile home, or farm and ranch policy, and covers you, your spouse, and any dependents under 21 years old living in your home. 

Coverages include:

• Case management: Provides you with an individual case manager who will work directly with your credit card companies and other financial institutions for up to one year after a covered loss. 
• Expense reimbursement: Pays up to $25,000 for credit restoration expenses, such as refiling applications for loans, credit reports, attorney fees, and more.  

State Farm Life Insurance Company provides a variety of term, whole, universal, and small business life insurance plans. 

State Farm offers a selection of term life insurance policies, so you can pick one that best fits your needs and budget. Each policy provides coverage for a family’s loss of income and long term expenses, such as mortgages and education. 

• Select Term Life: Choose a 10-, 20-, or 30-year policy length and a death benefit starting at $100,000. 
• Return of Premium Term Life: Choose a 20- or 30-year policy with level premium payments. Coverage starts at $100,000. If you outlive your policy period, all payments are returned to you. 
• Mortgage Term Life: Cover mortgage payments in the event of an untimely death. Choose a 15- or 30-year policy with coverage starting at $50,000. Coverage amounts decrease over time to match your mortgage payments.
• Instant Answer Term Insurance®: Provides a basic level of life insurance at $50,000. This policy lasts for 10 years or until you turn 50 years old (whichever comes first). 

State Farm’s whole life insurance policies build cash value to provide your family with a death benefit that can replace a loss of income, repay a mortgage, pay for tuition, etc. Coverage plans include:

• Limited Pay Life: A lifetime of benefits with premium payments limited to 10, 15, or 20 years. 
• Single Premium Life: A lifetime of benefits for a one-time premium payment.
• Final Expenses: Provides a death benefit of $10,000 to cover funeral and burial costs. 

Lastly, universal life insurance plans not only provide death benefits, but they also offer access to the cash value that you may withdraw from for personal expenses. 

Your premium payments are held in an account where they build tax-deferred interest. State Farm offers three different universal life plans:

• Universal Life: Provides a set death benefit. You may choose your premium payments. 
• Survivorship Universal Life: Provides coverage for two people, and is less expensive than owning two individual whole life insurance policies. The death benefit is paid out when the last person named on the policy dies. 
• Joint Universal Life: Covers two people, and is less expensive than owning two individual whole life insurance policies. The death benefit is paid out after the first person named on the policy dies. 

State Farm offers Small Business Life Insurance to protect the success of your business after an unexpected death. Plans include:

• Business Continuation: Provides assistance in transitioning your business to heirs or surviving owners after your death. 
• Key Employees: Provides financial assistance to ensure your business remains profitable when a key employee dies unexpectedly. 
• Employee Benefits: Provides group life insurance benefits to your employees. 
• Key Employee Incentives: Allows you to choose which employees receive fringe benefits such as Split Dollar, Executive Bonus, etc.  

State Farm offers individual, family, and supplemental health insurance plans on their own or through partnerships with healthcare companies. Coverage options include:

• Individual medical insurance: Provided through Blue Cross Blue Shield. Not available in all states.
• Medicare supplement insurance: Additional coverage for senior citizens who participate in Medicare. Pays for costs not covered by Medicare, including copayments, coinsurance, deductibles, and more. 
• Supplemental health insurance: Additional coverage for costs associated with hospital stays, like private room and nurse duty fees, extra transportation or meals, deductible, co-insurance amounts, etc.

State Farm offers long-term care insurance if you or a loved one needs help paying for professional assistance in a nursing home, living facility, or even your own home. 

Not only does this policy cover the cost of care, but it also allows you to protect your savings and other assets while maintaining your quality of life. 

State Farm offers a variety of disability insurance options to cover your monthly expenses (like mortgage, car loans, groceries, and more) if you’re sick or injured and can no longer work. Disability insurance plans include:

• Long-term disability: Pays monthly benefits directly to you when you’re unable to work because of an injury/illness. You can choose the length of time you must be disabled for before benefits start and the length of time you would receive benefits. Benefits range from $5,000 to $20,000 a month, based on your income and occupation. 
• Short-term disability: Provides one- and three-year benefit periods, with a monthly benefit amount ranging from $300 to $3,000, depending on your income and occupation.
• Mortgage disability: Covers your monthly mortgage payments for up to three years if you’re injured/sick and can no longer work. 
• Individual credit disability: Sends loan payments directly to your lender so that your credit isn’t damaged when you’re unable to work. 

A State Farm® Personal Liability Umbrella Policy (PLUP) can provide additional liability protection when the limits on your homeowners, auto, or boat insurance policies have been reached. Coverage starts at $1 million and can be increased by increments of $1 million.  

Personal umbrella insurance provides coverage against personal claims, like defamation of character, libel, or slander.

State Farm offers small business and professional liability insurance to cover the defense costs that come with customer claims of professional negligence, error, or omission. Coverage options include:

• Commercial liability umbrella policy: Provides additional liability protection for your business, starting at $1 million. 
• Professional liability: Specifically covers architects and engineers, dentists, accountants, etc., from negligence and error or omissions lawsuits. 
• Business Owners Policy (BOP): Provides general and professional liability as a package deal for businesses like spas, retail pharmacists, veterinarians, and more. 
• Errors and omissions liability: Pays for legal judgments, settlements, and defense costs if you’re sued for negligence. 
• Employment practices liability insurance (EPLI): Protects you and your business against wrongful employment practice claims, such as sexual harassment, discrimination, or wrongful termination. 
• Not-for-profit organization liability with EPLI: Protects your non-profit against wrongful employment practice claims, such as sexual harassment, discrimination, or wrongful termination. It will also cover your directors, trustees, officers, employees, committee members, and volunteers.
• Condo and homeowners association directors and officers liability with EPLI: Protects against three serious kinds of liability claims, including directors and officers liability, discrimination against a third party, and wrongful employment practice.