What State Farm Home Systems Protection Covers

Your homeowners insurance policy likely protects your home appliances only if a covered event — like a hailstorm — damages them. Home insurance policies typically won’t cover normal wear and tear or mechanical breakdown of appliances, electrical systems, or other types of property damage.

If you’re looking for full insurance protection for all your belongings and home systems, you have options. Some insurers, like 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 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.

In general, home systems protection covers items such as:

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).

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:

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 homeowners insurance covers

Standard homeowners insurance policies come with a few basic coverages, including dwelling coverage, other structures coverage, personal liability coverage, medical payments coverage, and loss of use (or additional living expenses) protection.

The combination of these coverage options protects items such as:2

• 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

Your home insurance will likely pay out your claim if a covered peril causes damage, like natural disasters, theft, or vandalism.

Home insurance doesn’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.

Understanding the six coverages

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. But the level of coverage for each varies 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