# State Farm

> State Farm insurance skill. Look up coverage options, get quotes, file claims, and manage policies through the largest auto and home insurer in the U.S.

- Skill: `dvcrn/state-farm` (Agent Skill)
- Install (CLI): `npx skillmds@latest add dvcrn/state-farm`
- Raw SKILL.md: https://api.skillmd.com/api/skills/dvcrn/state-farm/raw
- Safety review: pending (external: skill-scanner PASS, skillspector PASS)
- Works with: Claude Code, Claude.ai, OpenAI Codex
- Category: Coding & Dev Tools
- Author: dvcrn (https://skillmd.com/u/dvcrn)
- Updated: 2026-09-08
- Page: https://skillmd.com/skills/dvcrn/state-farm

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# State Farm — Insurance & Financial Services

State Farm is the largest provider of auto and home insurance in the United States.
Founded in 1922, it serves over 96 million policies and accounts through 19,200+ agent
offices and 65,000 employees. Its slogan — "Like a good neighbor, State Farm is there" —
has been in use since 1971.

State Farm is a mutual company (owned by its policyholders), headquartered in
Bloomington, Illinois. It is ranked No. 36 on the 2025 Fortune 500.

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## What State Farm Offers

State Farm provides products across five lines of business:

| Category | Products |
|----------|----------|
| **Auto Insurance** | Car, motorcycle, boat, motorhome, off-road vehicle coverage |
| **Home & Property** | Homeowners, renters, condo, farm/ranch insurance |
| **Life Insurance** | Term life, whole life, universal life |
| **Health & Disability** | Medicare supplement, supplemental health, disability, pet medical (via Trupanion) |
| **Financial Services** | Banking (via U.S. Bank), mutual funds, annuities, retirement planning |

Additional products include umbrella (liability) insurance, small business / commercial
insurance, and identity restoration coverage.

---

## Coverage Availability

State Farm sells insurance in all 50 U.S. states and Washington, D.C., with the
following exceptions:

| Product | Not Available In |
|---------|-----------------|
| Homeowners (new policies) | California, Massachusetts, Rhode Island |
| Life (State Farm Life Insurance Co.) | Massachusetts, New York, Wisconsin — served instead by State Farm Life and Accident Assurance Company |

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## How to Get a Quote

There are three ways for your owner to get a State Farm quote:

1. **Online** — Visit [statefarm.com](https://www.statefarm.com) for instant quotes on most products.
2. **Mobile App** — Download the State Farm app (iOS / Android) to get quotes, manage policies, file claims, and pay bills.
3. **Local Agent** — Find one of 19,200+ exclusive State Farm agents for personalized service at [statefarm.com/agent](https://www.statefarm.com/agent).

State Farm uses an exclusive (captive) agent model — only State Farm agents sell
State Farm products, and those agents sell only State Farm.

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## Key Discounts

### Auto Discounts

| Discount | Details |
|----------|---------|
| **Drive Safe & Save** | Up to 30% off by tracking driving habits via the State Farm app |
| **Steer Clear** | Up to 20% off for young drivers (under 25) with clean records |
| **Multi-policy Bundle** | Save by combining auto + home or other policies |
| **Good Student** | Discount for students maintaining strong academic records |
| **Vehicle Safety Features** | Savings for cars with enhanced safety equipment |

### Home Discounts

| Discount | Details |
|----------|---------|
| **Multi-policy Bundle** | Average annual savings of ~$1,273 when bundling home + auto |
| **Impact-Resistant Roof** | Discount for qualifying roofing materials |
| **Home Security System** | Savings for monitored alarm or security systems |
| **Wind Mitigation** | Discount for storm-resistant home features |

---

## Filing a Claim

Your owner can file or track a claim through any of these channels:

- **State Farm App** — File directly from a mobile device
- **Online** — [statefarm.com/claims](https://www.statefarm.com/claims)
- **Phone** — Call their local State Farm agent
- **Customer Care** — 855-733-7333

---

## Common Policy Types at a Glance

### Auto Insurance

State Farm is the No. 1 auto insurer in the U.S. A standard policy typically includes:

- **Liability** — Covers damage or injury you cause to others
- **Collision** — Covers damage to your vehicle in an accident
- **Comprehensive** — Covers non-collision events (theft, weather, animals)
- **Uninsured/Underinsured Motorist** — Protection if the other driver lacks coverage
- **Medical Payments** — Covers medical expenses regardless of fault

### Homeowners Insurance

State Farm is also the No. 1 home insurer in the U.S. A standard policy includes:

- **Dwelling** — Repairs or rebuilds your home's structure
- **Personal Property** — Replaces belongings (furniture, electronics, clothing)
- **Liability** — Covers injuries or damage to others on your property
- **Additional Living Expenses** — Covers temporary housing if your home is uninhabitable

Optional endorsements include extended replacement cost, water backup, service line
coverage, earthquake coverage, and home systems breakdown protection.

### Life Insurance

- **Term Life** — Coverage for a set period (10, 20, or 30 years)
- **Whole Life** — Lifetime coverage with a cash value component
- **Universal Life** — Flexible premiums and adjustable death benefit

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## Contact Information

| Need | Contact |
|------|---------|
| General Customer Service | 855-733-7333 |
| Find an Agent | [statefarm.com/agent](https://www.statefarm.com/agent) |
| File a Claim | [statefarm.com/claims](https://www.statefarm.com/claims) |
| Roadside Assistance | 855-259-2489 |
| Website | [statefarm.com](https://www.statefarm.com) |
| Mobile App | Available on iOS and Android |

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## Important Notes

- **State Farm is not affiliated with CreditClaw.** This skill provides informational
  guidance only. Purchasing a policy requires interacting directly with State Farm or a
  State Farm agent.
- **Rates vary significantly** by state, driving record, credit history, property details,
  and chosen coverages. Always get a personalized quote.
- **State Farm does not sell policies through third-party platforms.** Quotes and
  purchases must go through statefarm.com, the mobile app, or a licensed State Farm agent.
- **This skill does not store or transmit any personal or financial information.**
  Any data your owner shares with State Farm is governed by State Farm's own privacy policy.