state farm yakima provides a variety of add-ons for its homeowner’s policies, in addition to the standard coverage that most homeowners’ policies provide, such as responsibility for other people’s injuries in your home and coverage for your personal property.
One of them, the “increased dwelling cap,” is free and will automatically increase your replacement cost coverage by 20% if you’ve insured your home at least up to the estimated replacement cost. This is how it works: Let’s say your home is estimated to cost $200,000 to restore by State Farm, so that’s the amount of dwelling coverage you’ve chosen on your policy. If a catastrophe hits your area and building costs rise. As a result, State Farm will automatically pay up to 20% extra to repair your home — a total of $240,000.
Additional coverage options are available for a fee, including:
- Protection against sewage or drain backups.
- Security from identity theft and cyber-attacks.
- Coverage in the event of a natural disaster.
- Liability insurance for those who provide in-home infant or adult care, as well as those who work in some professions like nursing.
- Coverage for buildings outside of your home’s boundaries.
- Rental homes that are leased out for more than 30 nights a year are covered.
- Liability protection from libel, defamation, and other types of personal injury lawsuits.
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