You better hope you don't have a burglary. State Farm will drop you so fast your head will spin. It does not matter that you lock, deadbolt the door, or have ADT (which State Farm gives a discount). My back door was kicked in November 2011 and most of my jewelry was stolen. The back door was fixed and I received a small reimbursement from State Farm. In September 2012, the back door was kicked in again and the few items of jewelry ...
I had left were stolen. I received about the same amount of reimbursement and had ADT installed. One week ago, State Farm sent a nice form letter informing me that my homeowner's policy will not be renewed. My agent submitted an appeal, but was not hopeful. He was correct. Within two days, he received the denial. It does not matter how long or how much money you have paid State Farm, you will be dropped. The underwriter I just spoke to told me my claims were not weather related so there is nothing that can be done. Other insurance companies may do the same thing, but "Like a Good Neighbor, State Farm is NOT there".