By Allison Bertsche, Corporate Responsibility Director

Whether we're driving, walking or biking, roadway safety depends on the choices each of us makes every day.

Our State Farm research on pedestrian safety reveals that whether we're behind the wheel or on foot, staying focused is something we all have a role in¹.

A recent survey found that:

• 66% of pedestrians often see distracted drivers.
   
• 64% often see distracted pedestrians.

These concerns affect neighborhoods across the country, from large cities to mid-sized communities and small towns alike.

When we asked people what would help prevent crashes and near-crashes, they didn't point to one solution. According to the survey, people believe drivers, cyclists and pedestrians all can help reduce crashes by:

• Slowing down
   
• Staying alert
   
• Putting phones away
   
• Respecting crosswalks

Also cited as ways to help reduce crashes:

• Improving roadway design
   
• Embracing technology that helps prevent crashes

The latest pedestrian safety report from the Governors Highway Safety Association (GHSA) offers encouraging news. Pedestrian fatalities declined in 2025 by the largest amount since GHSA began tracking them 15 years ago.

While that progress is worth celebrating, 6,732 pedestrians still lost their lives on U.S. roads in 2025. The data is an important reminder that creating safer roads remains a shared responsibility.

The Biggest Risks Often Look Ordinary

When many people hear "distracted driving," they immediately think about texting. In reality, distraction can come from everyday habits, whether it's adjusting the GPS, changing the music or responding to someone in the back seat.

Each of those moments may feel insignificant, but every time our attention leaves the road, the risk increases for everyone around us, including pedestrians, bicyclists and fellow drivers.

Years ago, one of my daughter’s friends was involved in a crash caused by a distracted driver. Thankfully, she wasn't seriously injured, but the experience reminded me how quickly one distracted moment can change someone's life.

As both a parent and someone who has spent years working alongside safety organizations, that moment stays with me.

Every decision we make behind the wheel has the potential to protect not only ourselves, but also the people who share our roads and our communities.

Safer Roads Take All of Us

I've come to believe that safer roads are built the same way stronger communities are built – one person, one family and one partnership at a time.

That same belief continues to shape how State Farm invests in communities. In 2025 alone, we donated nearly $50 million to support communities across the United States, including organizations and initiatives focused on auto safety. Whether we're supporting research, educating new drivers or helping families keep children safe in their vehicles, those investments reflect our long-standing commitment to helping prevent crashes.

Since the early 1990s, State Farm has also sponsored the Lifesavers Conference, bringing together highway safety professionals from across the country to share research, innovation and proven strategies for reducing crashes and saving lives.

Our partnership with Students Against Destructive Decisions (SADD), which began in 1985, continues to help young drivers develop safer habits through education focused on distraction and other risky driving behaviors.

Each of these efforts reflects the same philosophy: meaningful change happens when organizations, communities and individuals work together to help people make safer choices before a crash ever happens.

Looking Ahead

As a longtime associate member of GHSA, State Farm is proud to support state and territorial highway safety offices and the organizations working every day to reduce dangerous driving behaviors, set new drivers up for a safe driving experience and improve roadway safety for all. Our shared commitment has allowed us to combine research, share insights and help communities better understand the risks on our roads.

We're learning more than ever about what prevents crashes. Communities are redesigning intersections, automakers are adding advanced safety technology, researchers continue identifying risky behaviors, and families are having more conversations about safe driving. The opportunity now is to make sure our everyday habits evolve just as quickly.

Every safe trip begins with the decisions we make on the road – choosing to stay focused, slow down and look out for one another. When enough of us make those choices, they can add up to meaningful change.

For more than a century, State Farm has been proud to work alongside customers, community organizations and safety partners to support that shared effort. As our roads, vehicles and technology continue to evolve, our commitment remains the same: helping more people arrive safely.

Learn more about safe driving tips and find auto safety resources at statefarm.com/safedriving.

From Car Seat to Driver’s Seat™, State Farm® is committed to being a good neighbor by focusing on your family's safety on the road. Our relationships, programs, and research help promote child passenger safety, teen driver safety, seat belt use, and distraction-free driving.

[1] State Farm. (2026). Pedestrians & Distraction – A Consumer Survey. Bloomington, IL.

BLOOMINGTON, Ill., (July 07, 2026) — Premiering July 31 at 6:00 p.m. ET, Gamerhood Season 5 brings together a stacked lineup of creators across streaming, entertainment and culture, including IShowSpeed, PlaqueBoyMax, Cinna, Marlon, JasonTheWeen, Emiru and Jake from State Farm. After amassing more than 53 million views across its first four seasons, Gamerhood returns with new episodes on the official State Farm Twitch channel, State Farm YouTube channel and across many of the players’ own channels beginning July 31, with new episodes streaming every Friday in August at 6:00 p.m. ET.

This season is packed with the suspense and drama fans expect from top reality TV, elevated by the biggest streamers on the planet.

“Community has always been at the heart of what sets State Farm apart, and it’s what makes Gamerhood unlike any other show. This year, fans will get to share in the success of their favorite streamer as 100,000 subs are gifted to their communities over the course of the season,” said Alyson Griffin, Head of Marketing at State Farm. “Beyond gifted subs, we created a completely new 2D game for people to play at home for prizes and teamed up with 100 Thieves to design limited edition Gamerhood inspired apparel. Each year we’ve continued building an entire entertainment experience around the show and we’re thrilled to celebrate half a decade of Gamerhood with the fans.”

An unmissable talent lineup

This season, Gamerhood goes full throttle as viral phenom and 2025 Streamer of the Year IShowSpeed makes his highly anticipated debut. With record-breaking livestreams, globe-spanning tours and one of the most electric fanbases on the planet, Speed brings a jolt of raw, unpredictable, can’t-look-away energy to the competition. He's fast, fearless and impossible to script.

“I appreciate State Farm for bringing me out to the Gamerhood. I know the fans will love seeing me game again. The physical challenges were also insane, and I think the people watching at home will feel that too,” said IShowSpeed.

Running it back from season 4 are JasonTheWeen and Cinna, with new faces PlaqueBoyMax, Marlon and Emiru also joining the action. Will Jason be able to clinch back-to-back seasons and bring home the key to the Gamerhood? Will Cinna break her winning streak while competing against her friend and roommate Emiru? Will Marlon and PlaqueBoyMax’s athleticism and unique play styles spur them to victory? All these questions and more will be answered in Season 5.

Jake from State Farm will appear throughout the season, guiding competitors through all the surprises Gamerhood has to offer while presenting “Good Neighbor” awards along the way to competitors who demonstrate good neighbor spirit.

Whether fans come for the creators, the competition or the chaos, Gamerhood Season 5 brings gaming, streaming and reality competition audiences together in a free-to-access-format.

The return of free-for-all gameplay

Gamerhood Season 5 also marks the return of the every-player-for-themselves, free-for-all competition format originally introduced in Season 1. Throughout the season, players will face off in popular video games and IRL physical arena challenges — all vying for a massive prize pool of 100,000 gifted subs.

With no teammates to rely on, every decision matters. Competitors will need to adapt quickly as rivalries, alliances and unexpected moments unfold throughout the competition. One surprise twist, bold move or brutal mistake can shift the entire outcome.

Join the action with Jake’s Neighborhood SWARM

Fans can step into the action beyond the show by visiting StateFarm.com/Gamerhood to play Jake’s Neighborhood SWARM, a new game featuring Jake from State Farm.

In the game, players control Jake as he fights his way through escalating waves of enemies that become increasingly more difficult. It’s designed for replay value, as every run builds on the last through a persistent power-up unlock system, allowing players to come back stronger each time they play.

Each week, players can compete for the highest score for a chance to win a custom-designed, State Farm-themed Secretlab TITAN Evo chair. Fans will also have the chance to win Gamerhood Season 5-inspired apparel created in collaboration with premium lifestyle and gaming organization, 100 Thieves.

How to watch

Beginning July 31, catch Gamerhood Season 5 episodes every Friday in August at 6:00 p.m. ET.

Episodes will stream on the official State Farm Twitch channel, State Farm YouTube channel and across many of the competitors’ own streaming channels.

Fans can also visit StateFarm.com/Gamerhood to learn more, play Jake’s Neighborhood SWARM and catch up on all seasons of Gamerhood.

By Greg Frankowiak, Vice President, Underwriting

Your home is one of the biggest investments you'll ever make. Homeowners insurance helps protect that investment so you're better prepared when the unexpected happens.

Home values and housing markets change over time, and so does what it takes to repair or rebuild one after a covered loss. Building materials, local construction costs, and home updates can impact the cost of repairs or rebuilding. Those are factors to consider when selecting a coverage amount that reflects your home’s estimated replacement cost as it exists today, not just when your policy was first written.

Understanding available coverage options and costs will help as you decide on the right coverage. Make sure your coverage still matches your home, your needs, and the life you've built inside it.
 

Why Coverage Can Change Over Time

Q: What should I do if I’ve remodeled my kitchen, replaced my roof or made other upgrades? 
A: Home improvements can affect what it may cost to rebuild, so it’s a good idea to let your State Farm agent know. They can help you review your coverage and see whether it still aligns with your estimated replacement cost. 

Q: Isn’t my home’s market value the same as what it would cost to rebuild? 
A: Not necessarily. Your home's market value and its estimated rebuilding cost aren't the same thing. The cost to rebuild can depend on things like labor, building materials, local building requirements, and the unique features of your home. Your agent can help you understand how those factors relate to your coverage. 

Q: What if I haven’t made any major changes to my home – but I haven’t reviewed my coverage in years? 
A: It’s still a good idea to check in. Labor and material costs can change over time, even when your home hasn't. It's common to set up coverage when you buy your home and not think about it again for a while. A coverage review with your agent can help you determine whether anything needs to change.
 

It’s a Great Time for a Coverage Check

Accurate, up-to-date information can help you have a more informed conversation with your agent about your coverage needs, including potential endorsements and available discounts.

Home improvement and seasonal maintenance projects provide natural opportunities to take stock of what you've invested in your home and make sure your coverage reflects it.
 

Two simple steps can make a meaningful difference:
 

1. Review Your Home's Coverage

   Connect with your State Farm agent to discuss your dwelling coverage and current rebuilding assumptions. You may want to ask:

   • What information should I consider when deciding how much coverage I need?
   • Would an updated estimated replacement cost review be helpful?
   • Are there discounts available for improvements made?
     
      

2. Take Inventory of What Matters Most

   The structure is only part of the story. Your belongings matter, too. Creating or updating a home inventory can help if you ever experience a loss. Consider documenting:

   • Electronics and appliances
   • Furniture and home décor
   • Clothing and seasonal items
   • Tools, sporting equipment, and outdoor gear
   • Jewelry, artwork, and other valuables
      

   Once you've completed your inventory, review your personal property coverage with your agent to make sure it aligns with your needs. They can help identify endorsement needs based on your inventory.

   Across the country, State Farm agents live and work in the communities they serve. They understand local conditions, local needs, and the importance of helping neighbors prepare for whatever comes next. Whether you've completed a renovation, purchased valuable items, or simply haven't reviewed your policy in a while, a conversation with your agent can help you select coverage that reflects your needs.

   When homeowners take an active role in protecting what matters most—and work with a local agent they trust—they help build stronger, more resilient communities one home at a time.

Rooted in the reality that football brings together rivals, families and communities in a way nothing else can, the campaign spotlights that every fan’s game is personal – their teams, their traditions, and their stakes. State Farm understands that it’s personal, too.

This season’s creative includes signature personalities and world class champions Patrick Mahomes and Andy Reid along with Indiana University head football coach and national champion Curt Cignetti, Heisman Trophy winner and the No. 1 overall draft pick Fernando Mendoza, last season’s breakout phenom Cam Skattebo, and of course Jake from State Farm.

“In this year’s football creative, you’ll see personalization come to life, whether it’s Patrick Mahomes and Andy Reid or Fernando Mendoza and Cam Skattebo or Curt Cignetti,” said Kristyn Cook, Chief Agency, Sales & Marketing Officer at State Farm. “That personal approach has been part of State Farm for more than 100 years, through agents who know the people and communities they serve. We want our creative to meet that same standard — combining world-class talent with the things that make State Farm unique to tell our story. We pair human connection with technology that makes things simpler, offering a personalized experience based on what matters to each customer.”

Through humor, dynamic storytelling and high-impact, emotion-invoking visuals, each commercial demonstrates how State Farm gets to know its customers, from their daily routines, favorite restaurants and teams they cheer for; to help ensure their coverage is as personal as the lives they live.

The State Farm difference

At the heart of the campaign is what truly sets State Farm apart: Its focus on customers and delivering coverage options that are personalized based on customer needs. With more than 19,000 independent contractor agents living and working in communities across the nation, State Farm pairs helpful, local relationships with powerful digital tools, offering customers flexibility in how they’d like to be helped.

The campaign will launch across broadcast platforms beginning in early September, along with an integrated approach across streaming, digital, audio, social and influencer channels.

For more information on the Personal Price Plan click here.

Illinois is experiencing an exceptionally active severe weather year. Through July, State Farm® customers in Illinois filed more home and auto catastrophe claims than customers in any other state, putting Illinois on pace for its highest catastrophe claim volume in a decade.
 

Illinois by the Numbers
 

• 96,000+ catastrophe weather-related home and auto claims in 2026
   
• Home catastrophe claims are 50% above the 10-year average
   
• Auto catastrophe claims are 100% above the 10-year average
   
• Illinois has recorded three consecutive years with more than 120 confirmed tornadoes
   
• As of August 19, 2026, Illinois surpassed 200 confirmed tornadoes this year.

As of July, State Farm has paid more than $799 million for storm-related losses in Illinois this year. For added context, in 2025 alone, State Farm paid $457 million in Illinois hail claims, third highest in the nation.
 

What Shapes the Cost of Homeowners Insurance

Illinois premiums are priced for the risk in this state – not for losses in other states. With decades of experience serving Illinois customers, State Farm draws on extensive data and expertise to understand how risks and costs are changing. We continuously review the latest information, so rates reflect the most current view of expected losses.

That means considering both the likelihood of covered losses and what those losses are expected to cost. We know affordability is a real concern for Illinois families, making it increasingly important to address the underlying factors driving those costs. Rising construction costs, severe weather, inflation and excessive litigation can all put pressure on the cost of insurance.

Our priority is being there for customers when the unexpected happens and helping them recover. That means staying financially prepared to pay claims as risks and costs change. Rates need to reflect the likelihood and expected cost of covered losses, but long-term affordability also depends on reducing the underlying risks and costs putting pressure on insurance. Illinois consumers deserve a strong insurance marketplace and meaningful progress on affordability. That means addressing the risks and cost drivers.
 

Work to be Done to Address Cost Drivers

State Farm will continue to engage with Illinois elected officials and advocate for a focused set of actions aimed at supporting a healthy insurance market and helping consumers navigate increasing severe-weather risks.

Priorities include advancing resiliency and home-hardening initiatives modeled on successful programs in other states; strengthening protections against post-storm predatory contractor solicitation and potential conflicts of interest involving public adjusters; and addressing legal system abuse that drives unnecessary litigation and increases costs for consumers through higher premiums.

With severe storms becoming a more prominent concern in Illinois, State Farm sees an opportunity to serve as a thought partner with lawmakers and regulators on solutions that strengthen resilience, support consumers and the broader insurance market, and help pull unnecessary costs out of insurance premiums.
 

Responding Today

When severe weather strikes, State Farm is there. Following late-July storms that brought nearly 100 mph winds, heavy rain and tornadoes to northern Illinois, State Farm deployed Catastrophe Claims Teams and opened a Customer Care Site in Calumet City. We welcomed elected leaders to the site to see State Farm doing what it does best – helping our customers recover.

Severe weather continued in August, generating another 2,000+ catastrophe claims in northern Illinois, followed by torrential rain and 70 mph straight-line winds in our Bloomington headquarters community. Throughout these events, State Farm Claims associates and agents have been helping customers navigate the recovery process.
 

Preparing for Tomorrow

Helping after a storm is only part of the equation. Long-term affordability also requires looking for ways to reduce damage before the next storm happens. That's why State Farm is investing in prevention as well as recovery.

At our Technology Research and Innovation Lab (TRAIL) in Bloomington, State Farm researchers study hail, wind and other threats and explore how stronger materials, construction practices and mitigation can better protect homes and communities.

Impact-resistant roofing is one practical way homeowners can make their homes more resilient and help reduce hail damage. When building, remodeling, or replacing a roof, homeowners can consider qualifying impact-resistant roofing materials. State Farm also offers premium discounts to eligible homeowners in many states with qualifying products.

State Farm works with the Insurance Institute for Business & Home Safety (IBHS) to advance research-backed approaches to stronger construction. Programs like FORTIFIED also demonstrate how homes can be built or retrofitted beyond standard construction practices to better withstand severe weather.

The research demonstrates how more durable construction and improved building standards can reduce damage, strengthen communities and potentially save lives.

Working with Illinois

State Farm continues to work with regulators and legislators in Illinois to help our customers.

• State Farm made a rate filing in early June 2025 indicating a Homeowners rate increase in Illinois. That filing was more than 32-pages long and is available publicly on the National Association of Insurance Commissioners (NAIC) SERFF site. It includes detailed actuarial analysis supporting the rate filing.
  
• On June 23, State Farm also submitted a 5-page response to questions the Department asked about the filing. No additional questions were received and the filing was closed out by the Department of Insurance on June 27.
  
• State Farm first learned of concerns with the rate filing through the Governor's press release in July. Since then, State Farm met with both the Director of the Illinois Department of Insurance and a Deputy Governor. There were no additional requests for information in that meeting.
  
• State Farm has provided the same type of information as other insurers provide in supporting rate filings in Illinois. Over the last three years, many insurers have raised Homeowners rates, citing deteriorating loss trends in Illinois; several of those increases in total exceed the State Farm increase.
  
• State Farm's retained counsel on these issues submitted a letter on July 31 to the Director of the Illinois of Department of Insurance clarifying our position and once again indicating our continued willingness to work with state officials.
  
• Unrelated to the June rate filing, the Illinois Department of Insurance in March 2024 demanded nationwide data of State Farm. This demand exceeds the legal authority of the Illinois Department of Insurance. State Farm has, therefore, not provided this data, but has asked the Illinois DOI to engage in a process that would allow an independent third-party/judge to resolve this dispute. State Farm made that request of the Department nearly one year ago.

An update to auto insurance rates

Auto insurance rates in Illinois will decrease an average of 5.7%, with some customers seeing reductions in premiums of up to 15%. Rate adjustments will apply to new and existing policies starting July 18, 2025. This decision is driven by trends projecting lower claims costs.

So, why are homeowner prices going up in Illinois?

Thank you for your trust in State Farm®. We understand no one likes to see their insurance rates increase, and we don’t take these decisions lightly. That’s why we want to provide you with some context around our approach in Illinois, where we are decreasing average auto insurance rates, and increasing average home insurance rates.

As a mutual company, State Farm is focused on serving its policyholders. Unlike companies with shareholders, our goal is not to maximize profits but to earn enough to maintain financial strength that allows us to keep the promises we make and to support future growth.

As we continue to adapt to changing conditions, we remain committed to providing you with the best possible value, service, and support. Thank you for allowing us to protect what matters most to you.

Home insurance rates are on the rise in Illinois due to rising home replacement costs and more frequent severe weather events that are driving up the cost and frequency of claims. These changes reflect broader trends in loss patterns and repair costs and are necessary to help ensure we can continue providing reliable coverage to our policyholders.

Home insurance claims costs are exceeding premiums collected. The cost of covering Illinois homeowners’ losses is exceeding the premiums we’re earning—an indication we need to adjust prices. Last year, those total costs amounted to $1.26 for every dollar in premium we collected. The year before, it was $1.30. Such losses are unsustainable.

Inflation matters. The costs of materials and labor have risen, affecting how much it costs to repair or rebuild homes. In the insurance business, the rates we charge are set in advance to cover potential future losses, including the costs to rebuild homes. As repair costs continue to rise, home insurance rates are as well.

Severe weather—wind/hail and tornadoes—is increasing in Illinois. Trends in recent years indicate damaging storms are more frequent here. In fact, Illinois had more hail damage claims than any other state except Texas in 2024.

Illinois premiums are priced for the risk in this state—not for losses in other states, including wildfires, earthquakes, or hurricanes.

Contact your agent to discuss coverage options

State Farm is committed to being a responsible steward of the resources we manage, ensuring we can continue to provide the coverage you need in the face of increasing risks.

We encourage you to reach out to your State Farm agent to discuss your coverage options. Our team is here to help you navigate these changes and find the solutions that work best for you.

Wind and hail deductible explained…

One of the ways we are limiting rising premiums is through the introduction of a Wind/Hail Deductible. Illinois home insurance customers already choose deductibles related to loss perils. Illinois customers will now be required to have a minimum 1% Wind/Hail deductible as part of their home insurance policy. It will apply in instances where the cause of loss is deemed to be wind or hail. All other losses will be subject to the other deductible(s) stated within the policy.

Choosing a higher deductible is one way to reduce the premium you pay for insurance. Your State Farm agent can discuss options that are available.

By Sam McCammon, Area Vice President, Agency

Moving into your first apartment or rental home is an exciting milestone. As a parent, I spent weeks helping my son get ready for his first apartment as he headed back to college. We talked about roommates, budgeting and everything he'd need to make his new place feel like home. We made shopping lists, packed boxes and checked off what seemed like an endless to-do list.

Then, just before move-in day, I realized there was one thing we hadn't talked about.

I asked him:

"What would you do if your laptop was stolen from your apartment?"

He paused.

Like many first-time renters, he'd spent plenty of time thinking about what he'd need in his apartment, but not much time thinking about what could happen if something unexpected occurred.

That simple question opened the door to a conversation about renters insurance – what it is, what it may help cover, and why it's something every renter should understand before signing a lease.

Whether you're renting your first apartment or your fifth, understanding your insurance options before move-in day can help you feel more prepared for whatever comes next.

What is renters insurance?

Renters insurance is designed to help protect your personal belongings if they're damaged or stolen because of a covered loss.

It may also provide liability coverage if someone is injured in your apartment or if you accidentally damage someone else's property.

Think of it as protection for your belongings – and for some of the unexpected situations that can happen while renting. Many landlords also require you to have it.

Should I consider renters insurance?

Every renters situation is different, but it's worth taking a moment to think about everything you own.

It adds up faster than you think.

Think about everything you may have in your home:

• Laptop
• Phone
• Television
• Gaming system
• Bicycle
• Clothing
• Furniture
• Kitchen items
• Books
• Headphones

Replacing everything after a fire, theft or another covered loss could cost thousands of dollars. Renters insurance may help make recovering from those situations a little easier.

Before move-in day, consider taking photos of your belongings or creating a simple home inventory. It can make it easier to remember what you own if you ever experience a covered loss.

Who covers the building?

Your landlord's insurance generally protects the building – not your belongings inside your apartment.

That's one of the biggest misconceptions many renters have.

Is renters insurance required?

It depends on your lease, but it's becoming more common. Many landlords require tenants to carry renter's insurance before moving in and may ask you to provide proof of coverage, such as your declarations page. Others simply recommend it.

Even when it isn't required, many renters choose it for the added financial protection.

What does renters insurance typically cover?

Coverage depends on your policy, but renters insurance may help with losses caused by covered events such as:

• Fire
• Smoke damage
• Theft
• Vandalism

Many policies also include personal liability coverage and may help pay for additional living expenses if you can't stay in your apartment because of a covered loss.

Always review your policy so you understand what’s covered, what isn't, and how your deductible works.

What isn't usually covered?

Like all insurance policies, renters insurance has exclusions.

For example, a standard policy generally doesn't cover:

• Flood damage
• Earthquakes
• Normal wear and tear
• Damage caused by pests or pets
• Intentional damage

Some belongings may need additional coverage depending on their value and your policy limits. That could include the laptop you use every day, as well as jewelry, musical instruments, cameras or collectibles.

Take a look at the value of the items you own and review your policy limits to understand whether you have enough coverage. For eligible items that need additional protection, a State Farm® Personal Articles Policy can provide broader coverage.

Does my apartment's insurance fee mean I have renters insurance?

Not necessarily. It's easy to assume that an insurance-related fee on your lease means your belongings are protected, but that's not always the case. Some of these fees are intended to help protect the property owner or meet landlord requirements. If your lease includes one, ask what it covers and whether you'll still need your own renter's insurance policy to help protect your personal belongings.

How much does renters insurance cost?

The cost depends on several factors, including where you live, the coverage you choose and other personal details.

Many renters are surprised to learn that renters insurance can be more affordable than they expected. The average renters policy costs about $15 per month for up to $35,000 in personal property coverage – often less than you spend on coffee each month.

You may be able to lower your premium by:

• Choosing a higher deductible that fits your budget.
• Asking about available discounts.
• Bundling eligible insurance policies.
• Reviewing your coverage as your needs change.

Getting a quote from a State Farm agent or online at statefarm.com® can help you understand your options before deciding what's right for you.

Questions to ask before signing your lease

Before move-in day, ask yourself:

• Do I know what my landlord's insurance covers?
• How much would it cost to replace everything I own?
• Does my apartment require renters insurance?
• Do I have valuable items that may need additional coverage?
• Do I understand what my policy covers – and what it doesn't?

Taking a few minutes to answer these questions today may help prevent bigger surprises later.

A conversation worth having

When I think back to that conversation with my son, I'm glad we had it before move-in day – not after something unexpected happened.

Whether you're moving into your first apartment or renting a home, renters insurance is one of those things many people don't think about until they need it.

Taking a few minutes to talk to your local State Farm agent and understand your options before signing a lease may help you feel more confident about whatever comes next.

Eighty-two percent of U.S. fire departments are comprised entirely or mostly of volunteer firefighters. Many of these departments operate on limited budgets that leave them struggling to fund equipment that enables them to more effectively and safely do their jobs. Recognizing this need, State Farm and the NVFC teamed up to provide $1.5 million to local fire departments in 2026. Since the program began in 2024, a total of $4 million has been distributed to support volunteer fire departments with their equipment needs.

“Volunteer firefighters are there for their communities no matter what the emergency, from structure and wildland fires to vehicle crashes and medical emergencies to natural disasters and hazardous materials incidents,” said NVFC Chair Steve Hirsch. “Yet many local departments lack the funding to purchase the resources and gear they need, forcing them to rely on outdated or insufficient equipment. We thank State Farm for taking action to address this need by helping local departments secure critical equipment so they can do their jobs more safely and effectively.”

“At State Farm, we are committed to helping people manage everyday risks and building safer, stronger communities,” said Rasheed Merritt, State Farm HR&D Exec-Corp Responsibility. “We are proud to support volunteer firefighters with equipment needed to enhance safety.”

The announcement of the 2026 recipients was made on August 18, a date many celebrate as Volunteer Firefighters Recognition Day. Grants will be used to purchase a wide variety of department necessities, including personal protective equipment, EMS and rescue tools, communication devices and much more.

State Farm and the NVFC will also join select fire department recipients at community engagement events this fall, which may include open houses, fire prevention events, parades or other local gatherings.

In addition to the 150 grants, State Farm provided complimentary NVFC memberships to the first 2,000 eligible applicants to provide more responders with access to an array of benefits, including free training, support services and more. The NVFC is the leading national nonprofit association serving the volunteer fire, emergency medical, and rescue services.

Learn more about the Good Neighbor Firefighter Safety Program, including a list of departments receiving the grants, on the NVFC website at www.nvfc.org/statefarm.

The storms brought destructive winds, reported tornadoes, flash flooding and widespread power outages.

State Farm has received over 8,000 storm-related claims from this recent severe weather, with the most significant concentrations in Indiana, Illinois, and Ohio.

State Farm catastrophe claim teams are deployed and ready to assist. Team members are actively contacting customers and providing claim support throughout the recovery process.

How to file a claim (home or auto)

Customers are always welcome to reach out with questions or concerns. We are here to help. State Farm customers can submit and manage a claim through the channel that works best for them:

• Call or email your State Farm agent
• Call 1-800-SF-CLAIM
• File in the State Farm mobile app
• File online at statefarm.com/claims
• Text “CLAIM” to 62789 to receive a link to file a claim
  

Making temporary repairs to damaged property

When it is safe to do so, customers with repairable or limited property damage should make reasonable temporary repairs to help prevent additional damage. Depending on the customer’s coverage, the cost of these temporary repairs may be reimbursed. Customers should save receipts for tarps, plywood and any other materials purchased to protect or temporarily repair damaged property.

Tips to help protect customers from fraud and scams

We encourage anyone seeking storm-damage repairs to learn how to recognize and avoid scams and deceptive contractor practices. Additional information is available in Help Protect Yourself From Contractor Fraud on statefarm.com.

State Farm has mobilized catastrophe claims teams and deployed onsite resources to help customers recover. Most of our customers have never experienced an event like this. It's stressful and we know they have questions and concerns. We're here for them, working alongside local agents who live and work in eastern Washington to help customers begin the recovery process as quickly as possible. 

So far, State Farm has provided approximately $60 million to customers impacted by the Spokane wildfires. We have received over 800 home and auto claims from the fires, and we expect this number to increase. At this early stage, the majority of our customers filing these initial claims are reporting severe damage and/or uninhabitable homes. We know how devastating this is for customers and we’re here to help.

Customer interactions

State Farm claim handlers have talked with hundreds of customers at these locations so far, listening to their stories, gathering information about their losses, and helping families address immediate needs – such as coverage for temporary housing and advance payments for food, clothing and other essentials, where applicable.

It can be incredibly emotional.

WATCH: Customer shares how their “amazing” State Farm agent started helping immediately.

“One man only evacuated with the clothes on his back and his sandals. His belongings were destroyed including his medicine. He started crying at the site while we were helping him. Some people haven’t had time to grieve yet, so it gets emotional for them.”

~ Cesar Soriano, Claims team member

“Quite a few people we know have been displaced. I was driving back to town on Saturday when claims first started coming in. A lot of people have lost their homes, personal belongings and the memories tied to those items, so we’re doing our best to help them through that. Our physical presence in the midst of this devastation is critically important.”

~ Kevin Louden, Claim Specialist - Proximity

More on how State Farm claim handlers help customers: A day in the life of catastrophe response.

How to file a claim (home or auto)

Customers are always welcome to reach out with questions or concerns. We are here to help. State Farm customers can submit and manage a claim through the channel that works best for them:

• Call or email your State Farm agent
• Call 1-800-SF-CLAIM
• File in the State Farm mobile app
• File online at statefarm.com/claims
• Text “CLAIM” to 62789 to receive a link to file a claim

By Kristyn Cook, Executive Vice President and Chief Agency, Sales & Marketing Officer

Every State Farm agency begins with a dream. I know because my family lived it.

When I was a child, my parents invested their life savings so my dad could open a State Farm agent office. Their dream was simple but powerful: build a business, help people and create opportunity for our family and community.

Years later, I made the same bet and opened my own agent office on Chicago’s southwestern side.

The State Farm agency model is one of America’s great entrepreneurial success stories. It pairs the strength of an iconic brand with the heart of local business owners committed to helping people.

Behind every office is an entrepreneur building something that matters - creating jobs, serving neighbors and strengthening a community.

Agents know customers by name because those customers are their neighbors. They support local schools, teams, food drives, first responders and community events. They form one of the nation’s most powerful communities of independent small-business owners, helping millions move forward with confidence.

I have seen the power of human connection - and the entrepreneurial spirit behind it. These things have strengthened State Farm for more than 100 years. To keep that advantage, we must evolve with customers, technology and the marketplace.
 

Human + Digital

In May, we announced changes to our agency model grounded in the customer - changes rooted in the vision for the future we had shared in the months before. Since then, I have spent time with agents, listening to what those changes mean for their businesses, teams and futures. Their feedback has mattered. We have listened, learned and, in some cases, adjusted.

What has not changed is our belief in the agency model, and the unique value it delivers to customers.

That belief is at the heart of our Next Gen Good Neighbors vision: a faster, more tech-enabled State Farm that remains true to our mission and values. We call it Human + Digital.
 

Human connection sets State Farm apart

Digital tools can make it easier for customers to do business with us and help agents and employees serve them more effectively. But human connection is what sets State Farm apart. Every customer has access to a real person who knows them, understands their needs and is there when life does not go as planned.

Customers get the best of both worlds - and the freedom to choose how they engage with us.

Some want to research, get a quote or buy insurance online. Others prefer to work with a local agent from the start. Many want both. Whatever path they choose, they expect competitive prices and an easy, valuable experience.

What makes State Farm different is that every policy comes with access to a dedicated agent. That human connection matters most after an accident, when a storm damages a home or when a family faces a loss. In those moments, customers need speed, but they also need support, empathy and a clear path forward.

Agents take time to understand the whole customer. By bringing together home, auto and life insurance, they can help provide more protection - often at a better price.

That relationship goes beyond protecting what customers have today. It can help build the future they want. State Farm registered agents can help customers consider investment products and services as they save for a major purchase, education or retirement.

Technology helps make this experience possible. Customers can handle simple tasks on their own, while agents gain more time to focus on what matters most. AI can summarize meetings, find answers and reduce routine work. Connected systems can identify coverage gaps and give agents a clearer view of their businesses. Digital tools can help customers compare coverage or connect with an agent.

The goal is simple: let technology do more of the tasks so people can do more of the helping.
 

Strengthening our agency model for the future

The changes we introduced support our Next Gen Good Neighbors vision and strengthen the agency model for the future.

The new agent agreement is designed to help State Farm and agents evolve as customer expectations change. It creates a more consistent compensation structure and better aligns the agent opportunity with what customers expect: an excellent experience, competitive prices and help with more of their insurance and financial needs.

We will continue to appoint new agents and offer a premier entrepreneurial opportunity to build a local business backed by a trusted national brand.

Technology will keep changing how people shop, communicate and make decisions. We welcome that change because it gives us new ways to serve customers better. At the same time, we believe human connection will become more valuable, not less.

Customers should have digital speed and convenience when they want it, and a local agent who understands their lives when they need one.

That combination is a distinctive State Farm strength - and why independent contractor agents remain central to our future. The opportunity my parents believed in, the one I chose and the one thousands of agents still choose today, continues to matter to customers. We are evolving it so the next generation of Good Neighbors can protect what matters most.

When agents succeed - along with our employees and empowered by technology - communities grow stronger. Families pursue their dreams with confidence. Small businesses thrive. Together, that impact reaches far beyond insurance.

That is the power of local, and the power of State Farm.

State Farm Mutual Automobile Insurance Company (State Farm Mutual) has begun issuing payments to qualifying auto customers as part of its one-time $5 billion cash-back dividend, the largest in the company’s 100-plus-year history. Millions of customers have already received their individual dividend payments, with more on the way.

As a mutual company with a customer-first focus, State Farm Mutual is uniquely positioned to provide value directly to customers. The dividend is being distributed in waves to eligible customers across more than 49 million State Farm Mutual auto vehicles. Each customer’s payment is based on a percentage of the premium paid for each qualifying policy in 2025. Percentages vary by state, ranging from 4% to 10%.

Qualifying customers will be notified of their pending dividend payment by either an email from “donotreply@e.sfdividend.com” or a letter in the mail. Please keep an eye out for communication regarding the dividend payment. Customers who already have an email address registered with State Farm will receive an email with instructions on how to log into the State Farm dividend payment portal and select their preferred method of payment. Customers who do not have an email address registered with State Farm will automatically receive a check in the mail.

The State Farm dividend payment portal powered by Verita can be accessed at sfdividend.com. For payment questions or to learn more about state-specific dates, customers can visit sfdividend.com or call the Dividend Customer Contact Center at 1-888-808-9532. Because the distribution covers more than 49 million auto vehicles, the payment process will take several months to be completed nationwide.

“As a mutual company with a customer-first focus, State Farm Mutual is able to provide value directly to our customers while maintaining financial strength to keep our promises in the future. That translated this year to lower auto rates and cash back in the form of a $5 billion policyholder dividend.” – Jon Farney, State Farm Mutual President and CEO.

For more than 100 years, State Farm’s mission has been to help people manage the risks of everyday life, including research and programs focused on improving driver behavior and safety. As part of that work, State Farm continues to invest in its national distracted driving awareness program grounded in consumer research to help reduce accidents and make roads safer.

Dividend payments are retrospective and do not affect future auto rates, which are based on expected future costs and monitoring trends to appropriately match price to risk. 

Taking place during AT&T WNBA All-Star weekend, fans will see their favorites showcase their shooting skills in a fun, fast-paced competition celebrating the excitement and culture of women's basketball.

Star-studded participants include:

• Keke Palmer: Emmy Award-winning actor and television host, recording artist, producer, bestselling author and founder
• Issa Rae: actress, writer and producer
• Maya Higa: content creator and conservationist
• Olivia Miles: WNBA standout and Minnesota Lynx guard
• Allie Clifton: sports journalist

Hosting the contest:

• Jess Sims: Peloton Instructor and ESPN Reporter

Bringing the hype to the State Farm Celeb 3-Point Contest at W Live are:

• StudBudz: WNBA stars Courtney Williams and Natisha Hiedeman

Building on more than a decade of supporting women’s basketball, State Farm is creating new ways for fans to experience the energy of WNBA All-Star Weekend. The competition is designed to be fun, shareable and rooted in the same excitement that makes the official WNBA 3-Point Contest one of the weekend’s standout moments.

The State Farm Celebrity 3-Point Contest will take place Saturday, July 25, 2026, at 1p.m. CT at the State Farm activation space at WNBA Live presented by AWS at Chicago’s McCormick Place.

In addition to this celebrity 3-point contest, State Farm is also the sponsor of the official WNBA 3-Point Contest at Wintrust Arena, bringing its long-standing connection to basketball to one of All-Star Weekend’s most anticipated events. The official WNBA 3-Point Contest takes place Friday, July 24, 2026, at 7 p.m. CT.

Whether you live along the coast or in the heartland, relying too heavily on forecasts or seasonal patterns can create a dangerous gap between what people think will happen and what actually does. The traditional idea of clearly defined weather seasons is disappearing. And when the timing or the locations of storms becomes less predictable, home preparedness can’t be limited to a season either. It has to be part of everyday home care.

Everyday preparedness replaces seasonal planning

When a hurricane does churn up, it often comes with a relatively clearer timeline and track, giving homeowners more lead time to storm preparations. That’s not always true for other weather events.

Forecasted storms can move quickly, but dangerous factors such as high winds, hail, lightning, heavy rain, tornadoes, and flooding can be less predictable. The days of seeing specific catastrophic weather at defined times, or only in certain places, are fading.

In 2025, State Farm paid $15 billion in catastrophe claims. The Company paid more than $5.7 billion in LA Wildfires claims. No hurricanes made landfall to add to the catastrophes, and of the remaining catastrophe claims paid, hail claims accounted for $5.6 billion.

What does this mean for homeowners?

The message is simple: preparation can’t wait for “hurricane season” or “storm season.” Preparation needs to be as routine as basic household maintenance, just like mowing grass, changing filters, or checking smoke alarms.

Even with this year’s lower hurricane forecast, one storm is all it takes to cause devastating damage—and the best way to reduce harm is to prepare before disaster strikes.

Just as important, preparation helps prevent the second disaster: the one that happens after the storm, when families face repairs, need important documents, and decisions about recovery.

Preparing homes to be storm resistant

Think of preparedness as a household system that works for hurricanes, severe storms, tornadoes and flooding conditions. The best preparations are ongoing and prevent or limit damage that can come from storms.

• Stand up against wind with a stronger roof and roof to wall connections. Impact-resistant roof materials can withstand high winds, hail and water.
• Cover openings with hurricane resistant doors and windows shutters or heavy curtains.
• Secure loose objects outside so they don’t become dangerous projectiles.
• Remove debris from gutters, drains and downspouts so heavy rains can flow freely, and water drains away from the home.
• Prune tree limbs and branches to minimize debris that could damage buildings or power lines.
• Use the FEMA Flood Map Service Center to know your flood risk.

Regularly reviewing the homeowners insurance policy with an agent can make sure the right coverages, deductibles and endorsements are in place. An agent can also make sure homeowners get all the discounts they qualify - like using impact-resistant materials. 

The Takeaway

Storm and hurricane seasons aren’t what they used to be but homeowners still control what happens next. With weather being less predictable and severe conditions often striking with little warning, preparation needs to be a year-round habit.

Being prepared ahead of time means focusing on what’s important when it matters most, staying safe during the event and getting help faster afterward.

This season is packed with the suspense and drama fans expect from top reality TV, elevated by the biggest streamers on the planet.

“Community has always been at the heart of what sets State Farm apart, and it’s what makes Gamerhood unlike any other show. This year, fans will get to share in the success of their favorite streamer as 100,000 subs are gifted to their communities over the course of the season,” said Alyson Griffin, Head of Marketing at State Farm. “Beyond gifted subs, we created a completely new 2D game for people to play at home for prizes and teamed up with 100 Thieves to design limited edition Gamerhood inspired apparel. Each year we’ve continued building an entire entertainment experience around the show and we’re thrilled to celebrate half a decade of Gamerhood with the fans.”

An unmissable talent lineup

This season, Gamerhood goes full throttle as viral phenom and 2025 Streamer of the Year IShowSpeed makes his highly anticipated debut. With record-breaking livestreams, globe-spanning tours and one of the most electric fanbases on the planet, Speed brings a jolt of raw, unpredictable, can’t-look-away energy to the competition. He's fast, fearless and impossible to script.

“I appreciate State Farm for bringing me out to the Gamerhood. I know the fans will love seeing me game again. The physical challenges were also insane, and I think the people watching at home will feel that too,” said IShowSpeed. 

Running it back from season 4 are JasonTheWeen and Cinna, with new faces PlaqueBoyMax, Marlon and Emiru also joining the action. Will Jason be able to clinch back-to-back seasons and bring home the key to the Gamerhood? Will Cinna break her winning streak while competing against her friend and roommate Emiru? Will Marlon and PlaqueBoyMax’s athleticism and unique play styles spur them to victory? All these questions and more will be answered in Season 5.

Jake from State Farm will appear throughout the season, guiding competitors through all the surprises Gamerhood has to offer while presenting “Good Neighbor” awards along the way to competitors who demonstrate good neighbor spirit.

Whether fans come for the creators, the competition or the chaos, Gamerhood Season 5 brings gaming, streaming and reality competition audiences together in a free-to-access-format.

The return of free-for-all gameplay

Gamerhood Season 5 also marks the return of the every-player-for-themselves, free-for-all competition format originally introduced in Season 1. Throughout the season, players will face off in popular video games and IRL physical arena challenges — all vying for a massive prize pool of 100,000 gifted subs.

With no teammates to rely on, every decision matters. Competitors will need to adapt quickly as rivalries, alliances and unexpected moments unfold throughout the competition. One surprise twist, bold move or brutal mistake can shift the entire outcome.

Join the action with Jake’s Neighborhood SWARM

Fans can step into the action beyond the show by visiting StateFarm.com/Gamerhood to play Jake’s Neighborhood SWARM, a new game featuring Jake from State Farm.

In the game, players control Jake as he fights his way through escalating waves of enemies that become increasingly more difficult. It’s designed for replay value, as every run builds on the last through a persistent power-up unlock system, allowing players to come back stronger each time they play.

Each week, players can compete for the highest score for a chance to win a custom-designed, State Farm-themed Secretlab TITAN Evo chair. Fans will also have the chance to win Gamerhood Season 5-inspired apparel created in collaboration with premium lifestyle and gaming organization, 100 Thieves.

How to watch

Beginning July 31, catch Gamerhood Season 5 episodes every Friday in August at 6:00 p.m. ET.

Episodes will stream on the official State Farm Twitch channel, State Farm YouTube channel and across many of the competitors’ own streaming channels.

Fans can also visit StateFarm.com/Gamerhood to learn more, play Jake’s Neighborhood SWARM and catch up on all seasons of Gamerhood.

As of June 19, State Farm Illinois customers have filed nearly 50,000 severe-weather-related claims for home and auto. This puts Illinois on pace for the highest catastrophe claim volume in a decade. Homeowner claims are currently 47 percent above the 10-year average, and State Farm Auto is on track for its second-highest catastrophe claim volume in the past 10 years, with claims 101 percent above the long-term average.

State Farm's claims data reflects a broader pattern documented by experts across Illinois. Through June 25, the NOAA Storm Prediction Center has received 210 preliminary tornado reports across Illinois, driven by widespread outbreaks in March, April and June. One of the largest occurred April 17, when 28 tornadoes were documented across Central Illinois, setting a record for the most tornadoes observed in a single day within the National Weather Service's Lincoln forecast area.

Historical reporting continues to show an upward trend of severe weather in Illinois. The state recorded 121 confirmed tornadoes in 2023, a record-setting 142 in 2024 and another 126 in 2025. Each is well above the state’s long-term average of 54 tornadoes annually.

Wind and hail are driving losses

While tornadoes often dominate headlines, wind and hail frequently cause the most widespread property damage. State Farm's hail claims data shows Illinois' growing exposure over the past four years.

In 2025, Illinois ranked third nationally, with $558 million in hail-related claims paid by State Farm. Only Texas and Missouri recorded higher totals. Across the country, State Farm paid more than $5.6 billion in hail-related claims during the year.

In 2024, Illinois ranked second nationally with more than $899 million in hail-related claims. In 2023, Illinois ranked third nationally with $906 million in hail-related claims. And in 2022, Illinois ranked fourth nationally with $263 million in hail-related claims, demonstrating the state's continued place among the nation's most costly locations for hail damage[1].

The pattern has continued into 2026, with March storms accounting for more than 50,000 State Farm claims across the Midwest. On March 10, severe storms produced exceptionally large hail across northern Illinois, including multiple hailstones measuring 6 inches or larger in Kankakee, Ill, now being considered for a new state record. During this severe weather event, Illinois had one of the highest claim counts.

Public weather records reinforce those trends. Illinois recorded 716 severe wind reports and 216 severe hail reports in 2024[2], followed by another 656 damaging wind reports and 167 severe hail reports in 2025[3]. Long-term National Weather Service records show damaging wind remains the state's most common severe weather hazard.

Illinois' most damaging storms are increasingly becoming multi-peril events, with tornadoes, destructive straight-line winds, large hail and flash flooding occurring during the same weather event.

Supporting Illinois customers through an active storm season

As Illinois experienced multiple rounds of severe weather this spring, State Farm has been actively responding to help customers recover as quickly as possible. Since the beginning of the spring storm season, Catastrophe Claims Teams have been deployed across Illinois and the Central U.S.

With the largest claims force in the industry, State Farm’s catastrophe response is designed to scale as weather events develop. Our claims teams, local agents, on-the-ground mobile support, and digital claims tools enable customers to begin the recovery process in the way that works best for them.

Illinois has experienced several consecutive years of active severe weather, with storms increasingly producing multiple hazards, driving both community impacts and insurance losses.

As severe weather continues to evolve year to year, State Farm uses its data and insights to strengthen catastrophe preparedness and position claims support ahead of major events to help customers when it matters most.

[1] Data in this section is as of July 20, 2026.

[2] Source: https://stateclimatologist.isws.illinois.edu/2025/01/15/2024-weather-was-very-warm-and-wild/

[3] Source: https://stateclimatologist.isws.illinois.edu/2026/01/13/2025-was-warm-and-dry-in-illinois/

By Buck Farley, Archivist/Historian

As the nation celebrates 250 years of history, resilience and progress, State Farm marks 104 years of serving communities across America. Our stories are intertwined—built on a shared belief that strong neighborhoods, people helping people and showing up when it matters most are what move America forward.

Our commitment to helping people is rooted in our founding, when George Jacob (G.J.) Mecherle recognized the risks facing rural drivers were different than city drivers. 

State Farm Mutual Automobile Insurance Company began from this idea: that insurance should be tailored to individual needs, at fair prices. G.J.’s vision has never wavered. As a mutual company, State Farm is accountable to our customers, not Wall Street shareholders. 

Our model and mission have been carried into neighborhoods across the country, intersecting with key moments in American history repeatedly over the past century. 

1922: Built for the rural American who’d been overlooked

In 1922, while Henry Ford was making cars more accessible, auto insurance companies continued to offer policies tailored to wealthy city customers. Auto insurance didn’t fit the needs of rural drivers and risked leaving these Americans behind. 

To help bring life to his vision of insurance tailored to the individual, G.J. turned to Minnie Jones, a successful businesswoman with insurance experience. Minnie invested in G.J.’s idea and joined the first Board of Directors in 1922, an early example of women in entrepreneurial leadership.

G.J. reimagined how insurance could work. With its rural roots, the Company ensured premiums matched risk and payment structures aligned with farmers’ needs. 

1933: The Great Depression: Stayed open when others closed

The Great Depression tested more than balance sheets. It tested whether companies would put customers ahead of shareholders. 

By 1933, banks were failing rapidly and nearly half of U.S. industries had collapsed over the past four years. In March, President Roosevelt declared a bank holiday to prevent further collapse. Insurers faced major strain as people fell behind on premiums and claims increased.

But State Farm kept issuing policies and paying claim, even operating at a loss to keep customers first.

During the Depression, State Farm launched the Fire Insurance Company in 1935. Protecting homes and property was about more than adding a new product. It signaled confidence communities would rebuild, even when rebuilding felt uncertain. 

As a mutual, State Farm can take a longer view in a way publicly held insurers under shareholder pressure often can’t.

1942: World War II era: Largest auto insurer in the country

By 1942, in the midst of World War II, resources were redirected and auto manufacturing largely stopped. Yet people still needed cars and, therefore, insurance. While the Company used the strength of its mutual structure to keep serving customers during another challenging time,  employees serving in the military were supported with desks left empty and marked with “reserved” signs. 

The “Million or More by ‘44” campaign helped auto policies rise from 350,000 in 1939 to 1.3 million by 1946, making State Farm the number one auto insurance company in the United States.

To support that growth and to be ready for the postwar return to life, the Company reinvented its operating model and introduced regional offices. Decision-making was shifted to local leaders, positioning State Farm to be there to help customers as housing expanded and families became more mobile as auto manufacturing resumed.  

1966: The first African American State Farm agent

The civil rights era reshaped America. In 1966, three years after the March on Washington, Ray Adkins Jr. became the first African American State Farm agent, marking an important milestone in our Company’s history. His appointment reflected a period of significant change in our nation and serves as a reminder of the progress that has been made, and the responsibility we all share to make the world around us better and to foster a culture of respect and inclusion within the workplace and our communities. 

1972 onward: Catastrophe response as a national capability

America’s history shows harrowing moments of weather events and disasters that can overwhelm communities. When catastrophes strike, being a good neighbor isn’t just about empathy. It requires action that can scale to meet an ever-increasing need.

In 1972, only a few years after Hurricane Camille devastated parts of the Gulf Coast, State Farm built Special Disaster Services. Teams were created who were ready to step out of their daily roles to quickly deploy to major events, putting people from State Farm onsite to assist customers and communities. 

In 1992, Hurricane Andrew impacted the lives of people in states from Florida to Texas. The response capability within State Farm needed to evolve and expand along with level of catastrophes. In 1997, the Company formed a larger, dedicated national catastrophe response team. 

Today, with new technology and partnerships in use, we have Weather and Catastrophe Services, a team that tracks weather events and can anticipate when to begin organizing deployments, set up on-site claims and assistance centers, and is supported with in-office claims handling.

We’ve come a long way since first developing this response capability. Whether coincidental or fate, as State Farm built the first catastrophe services team, Barry Manilow, then a jingle writer, had just written the tune for “Like a Good Neighbor, State Farm is There.” A message that continues to guide our mission to help people recover from the unexpected and realize their dreams.

Today: A mutual that answers to Main Street

Today, State Farm insures more homes and autos in the United States than anyone else. More than 19,000 agents and tens of thousands of employees help customers each day. Being a mutual remains central to how State Farm thinks about responsibility. CEO Jon Farney echoed the vision of G.J. saying, “We answer to Main Street, not Wall Street.”

As a mutual company, there are several ways State Farm returns value to customers. Just this year, in February 2026, the company announced a $5 billion mutual auto policyholder dividend – the largest in company history. Also this year, the American Red Cross recognized State Farm as a 2026 Mission Leader for extending our customer-first commitment to the communities in which we all live and enabling improved disaster preparedness, response and recovery. Finally, as Habitat for Humanity celebrates their 50-year anniversary, State Farm proudly continues our 30-year partnership. Beyond the financial support that has helped more than 450 Habitat affiliates build or repair homes for families, State Farm agents and employees show up each year to build homes in their communities. 
 

Becoming a Next Gen Good Neighbor

State Farm was founded on the simple premise of putting customers first. Over the past 104 years, we’ve been proud to stand by Americans through some of the nation’s hardest chapters. Backed by the commitment to our Company mission, the agents and employees of State Farm have always shown fortitude and given hope at times when both are needed. 

As America marks 250 years throughout 2026, we reflect on our shared heritage and look ahead, rising to serve customers and communities at a time of rapid change. Through economic challenges, growing weather-driven risks, and what can feel like mounting uncertainty, history shows State Farm is there. 

By Erin Rahn Morris, Vice President, Underwriting

Working on the Gulf Coast after Hurricane Katrina, I saw firsthand how devastating natural disasters can be. Many people lost their homes – and some lost their lives. Seeing State Farm® agents and employees quickly move into action to guide our customers through this challenging time was inspiring and motivating.  

The emotional toll a disaster brings with it and the long-term effects it has on families and communities is an experience we know all too well. While State Farm shows up when it matters most, offering local support and on-the-ground claim assistance, our work doesn’t just stop there. Every day, teams across State Farm are developing innovative, future-ready solutions to help build stronger homes, businesses and communities.
 

A Science-Backed Approach

One way we do this is through partnerships with organizations like the Insurance Institute for Business & Home Safety (IBHS). As a founding member of the IBHS Research Center, State Farm plays a key role in advancing innovation in resilient home construction. Countless hours of research and experimentation have led to proven steps homeowners can take to strengthen their homes against severe weather. We’ve also helped refine building standards and promote adoption across multiple states. In my role, I know the importance of applying this science to our products and offerings to enhance the way we protect people.

For stronger protection against wind and water damage, the IBHS FORTIFIED Home™ program gives homeowners the security of knowing their home is being built or retrofitted beyond code to withstand those risks. It’s not just storm hazard we’re addressing. Wildfires wreak havoc on homes and lives, too. Through the IBHS Wildfire Prepared Home Essential™ and Enhanced™ Program, homeowners can confidently reduce the risk of damage from wildfires.

Building resiliency has been one of my passions since the beginning of my career. As vice chair of the IBHS Executive Committee, it’s been rewarding to be even more involved in creating strategies that we can execute in every area of the country, considering the risks of wind, rain, hail and wildfire. Ultimately, I want everyone to understand the choices they have about where and how they live, and how they can be safer.

The Evolution of FORTIFIED Homes: A Decade of Progress

The IBHS FORTIFIED Home program, which began in the late 1990s, gained momentum in 2010 when it shifted focus to the wind peril and introduced “Fortified for Wind” standards. This game-changing approach included home improvements, not just new construction, making resilience accessible to many more homeowners.

Alabama is where the FORTIFIED Home program grew the fastest, bringing together builders, regulators and government leaders in a collaborative effort. A key driver of this success has been the Strengthen Alabama Homes grant program, which provides homeowners with $10,000 to achieve a FORTIFIED designation. 

Today, Alabama boasts over 50,000 designations, leading the nation.* Many other states have followed with legislation, incentives and grant programs encouraging FORTIFIED construction.
 

Hurricane Sally: Proof After the Storm

In September 2020, Hurricane Sally, a category 2 hurricane, hit the coast of Alabama. The data from Sally was a milestone for the insurance industry. For the first time we had real-world evidence that FORTIFIED homes suffer significantly less damage, resulting in fewer insurance claims and faster recovery times for families.

A study by the Center for Risk and Insurance Research at the University of Alabama analyzed over 40,000 properties impacted by Hurricane Sally. Researchers found:
 

• Homes with a FORTIFIED designation were 70% less likely to have an insurance claim than homes built to typical construction standards.
   
• Loss frequency (how often insurance claims occur) was reduced by 55% to 74% in FORTIFIED homes and loss severity (the average cost of claims) dropped by 14% to 40%— meaning these homeowners experienced less damage, avoiding high repair costs.
   

Safety, Savings and Strengthened Communities

At first glance, homeowners might see fortifying a home as being too costly or complicated. However, many FORTIFIED improvements are attainable and can be phased in over time, like reinforcing the roof’s framing, installing impact-resistant windows, or upgrading to a reinforced wind-rated garage door. These upgrades not only protect families but can also help reduce insurance claims, lower premiums through discounts and increase property values. 

State Farm agent Lad Drago in Spanish Fort, Ala., calls Baldwin County “ground zero” for FORTIFIED Homes. For nearly a decade, local builders and roofers have embraced these standards. “Customers see savings of $500 to $750 a year on insurance, depending on the age and location of the home,” Lad says. 

“Homeowners here don’t reroof unless it’s FORTIFIED because they understand the long-term value: Why risk $30,000 in roof damage when you can prevent it upfront?” Lad introduced FORTIFIED standards to his own builder in 2013, who quickly saw it as a marketing advantage, and soon other builders followed suit. Now, FORTIFIED roofs are a key selling point in real estate, often tipping buyer decisions and influencing negotiations.

Lad says “having a FORTIFIED roof changes the whole aspect of a claim. Older roofs often leak from minor damage, leading to costly repairs like replacing sheetrock and insulation. FORTIFIED roofs usually only lose a few shingles because of better protection and sealing. On the coast, it’s not just hurricanes, we get strong winds year-round. A FORTIFIED roof means better protection all year and less disruption when storms hit.”
 

Where We Are Today: Working Together to Make More Areas Resilient

This spring, IBHS announced that more than 100,000 homeowners nationwide have achieved the FORTIFIED program designation. We must continue to build on this momentum, encouraging builders, contractors and policymakers to collaborate on creative solutions that make stronger homes more accessible and achievable for all homeowners. From coastal regions to inland states, families should have access to resources they need to protect what matters most. With severe weather rising across the Central US and other parts of the country, FORTIFIED construction beyond the coast is more important than ever. 

The success of FORTIFIED Homes in Alabama, along with the state’s Strengthen Alabama Homes grants, now serves as a blueprint for other high-risk states. Combined with data from Hurricane Sally, I’m hopeful this will motivate all stakeholders to change how homes are built – making them stronger and safer for years to come.

As Next Gen Good Neighbors, we are committed to meeting our customers’ evolving needs with products and services that will push us all toward a more resilient future. Our vision at State Farm is for every homeowner to be able to build or retrofit their home to withstand severe weather, as well as for homeowners everywhere to take steps like creating defensible space and home hardening to reduce wildfire losses. At the end of the day, we want homes to be protected, but we also want lives to be saved.  

*Alabama Department of Insurance and Center for Risk and Insurance Research – University of Alabama, 2025

State Farm has announced a new collaboration with Connected Analytic Services, LLC (CAS), a Toyota affiliate, by adding an optional, self-service auto claims safety feature for millions of eligible customers. Based on customer consent, CAS can process data from Toyota and Lexus vehicles equipped with data communication modules.

State Farm will offer eligible customers who own 2020 or newer Toyota or Lexus vehicles the option to use the State Farm® app, to share information on a one-time basis designed to help make the claim process more efficient.

“This service helps make the claims process easier by providing faster insight into what happened and what needs to happen next,” said Jennifer Megargell, Vice President of Property & Casualty Claims. “By using real-time data, we can more quickly confirm important details and help move claims forward efficiently. At the same time, customers continue to receive the personal support and guidance they expect from their State Farm agent.”

Customers will be able to review their consent option in the Claims Hub of the State Farm app on the “Claims” tab. If a customer provides express consent, claim representatives may access accident information that can include the vehicle’s direction of travel, speed, point of impact, and the loss location displayed on a map.

Using vehicle sensor capabilities, an accident report may help reduce the time customers spend describing what happened and enable State Farm claim teams to better understand specific moments earlier in the process. After customer consent is provided, telematics data is accessed only for the date and time of loss and used only for claims resolution. The driving data collected is not applied for rating or underwriting. Opting out of data sharing has no impact on the ability to file a claim and does not change the customer’s preferred claim experience.

“At Connected Analytic Services, one of the ways we deliver on our mission is enabling Toyota and Lexus owners to put their vehicle data to work for them,” said Joe Guerin, Vice President of Insurance Products & Data Solutions. “With informed customer consent, vehicle data can be made available to support the claims process, providing partners such as State Farm with objective, vehicle-derived insights into loss events that can accelerate claim understanding.”

State Farm offers a broad suite of telematics-powered capabilities that help customers stay informed and get support when it matters most. Through Drive Safe & Save®, eligible customers can share driving-behavior data like speeding, acceleration, cornering, hard braking, and phone use while driving to receive personalized feedback and potential insurance savings.

Accident Assistance is a no-cost feature in the State Farm app that helps detect accidents and connect customers to the support they need. It may request access to contacts to store recommended follow-up numbers; however, participation in Drive Safe & Save is not required.

Beyond claims innovation, State Farm shares a longstanding commitment to advancing roadway safety, including leveraging research, technology, and data-driven insights to better understand and help reduce distracted driving and other risky driving behaviors. You can learn more about our work at Distracted Driving - State Farm®.

State Farm takes customer privacy seriously and we remain committed to protecting the privacy of our customers. Our privacy policy is available on our website: statefarm.com/privacy.

State Farm announced today a partnership with Dude Perfect, the leading creator-founded sports and entertainment company. As part of this new agreement, State Farm becomes the Official Insurance Partner of Dude Perfect and the presenting partner of Overtime, Dude Perfect's most popular sports variety show franchise on YouTube.

The partnership kicks off with a tentpole experiential activation tied to The Big Tournament kicking off this summer. State Farm and Dude Perfect will introduce the Impossible Soccer Wall, bringing the popular digital content series to life as an interactive fan experience in major host cities throughout the tournament including Philadelphia (June 27 and 28), Dallas (July 3) and Atlanta (July 15).  Through these on-site activations, fans can attempt a Dude Perfect-style trick shot and compete for a spot on a national leaderboard.

“At State Farm, we believe connection is everything—between customers, their communities and the moments that matter most,” said Alyson Griffin, Head of Marketing at State Farm. “Partnering with Dude Perfect brings that belief to life through experiences that are fun, engaging and built for sports fans and families. Whether fans are taking on the Impossible Soccer Wall, cheering on their teams, or sharing a moment worth celebrating, we’re showing up right next to them. Dude Perfect has created an incredible community around creativity and connection, and that’s exactly what being a Good Neighbor is all about—showing up with heart, imagination and a spirit of fun.”

As the presenting partner for Dude Perfect’s Overtime, which recently celebrated its 50th episode, the signature series will now be known as Overtime Presented by State Farm®. The collaboration will feature deep brand and logo integration, including a refreshed Overtime desk and set features, culminating in the debut of a new, state-of-the-art Overtime studio at Dude Perfect’s Frisco headquarters in fall 2026.

"State Farm has been a fixture in sports and family entertainment for decades, and they understand what makes our community special," said Andrew Yaffe, CEO of Dude Perfect. "This partnership brings that same playbook, presenting sponsorships, talent integration, and in-person activation into creator-led entertainment at full scale. Hitting the 50th edition of Overtime with State Farm as our presenting partner and bringing the Impossible Soccer Wall to fans this summer, gives us the chance to build something our fans will want to be part of, on screen and in person."

By aligning with Dude Perfect’s sports and family-friendly programming, State Farm gains access to a highly engaged multi-generational audience. This is another example of how State Farm combines integrated content, real-world experiences and agent-level tools to connect with customers on their passion points through the channels they care about most.

About Dude Perfect:

Dude Perfect is the leading creator-founded entertainment company focused on family-friendly sports and lifestyle content. Founded in 2009 by five college friends, Tyler Toney, Cory Cotton, Coby Cotton, Garrett Hilbert, and Cody Jones, making sports trick shot videos, Dude Perfect's YouTube channel has become the biggest sports account on YouTube with more than 60 million subscribers. The group has garnered more than 18 billion views across platforms, and has featured celebrities and athletes like Steph Curry, Serena Williams, Luka Doncic, Caitlin Clark, and CeeDee Lamb. Dallas-based Dude Perfect has since expanded into a diversified media business across video content, popular simulcasts for professional sports like the NFL on Amazon, a best-selling toy in Walmart, and live tours.

BLOOMINGTON, Ill. (April 3, 2026) - State Farm today announced its sponsorship of amateur golfer and Bloomington, Illinois native Brandon Holtz as he competes on two of golf’s biggest stages: The first major tournament of the golf calendar in April, and its national championship in June. This sponsorship underscores the commitment State Farm has to being a Good Neighbor by showing up for people in defining moments and helping them build a better future as they pursue their dreams.

"What Brandon has accomplished to earn a place on two of golf’s biggest stages this year is extraordinary, and we're proud to support him as he competes at the highest level," said Alyson Griffin, Head of Marketing at State Farm. “It’s exactly the kind of moment that reflects what we stand for, made even more meaningful by someone so deeply connected to the State Farm family. That’s what being a Good Neighbor is all about, backing people as they chase their dreams and making sure support is there when the moment arrives.”

For Holtz, the State Farm connection runs deep. His father – who also serves as his caddie – is a longtime former State Farm employee, while his brother Brent and sister-in-law Robyn are current State Farm agents who have both appeared as themselves in State Farm commercials. Alongside several other relatives with ties to the company, these family roots create an authentic link to the brand’s people-first mission.

Holtz earned his invitations to two of this year’s majors after winning a qualifying amateur championship in Scottsdale, Arizona last fall. He is one of only seven amateurs who received the coveted invite to compete in Augusta, Ga., April 6-12. Following that event, Holtz will then make his first start in the sport’s national championship, June 18-21 in Southampton, New York.

Holtz, not of a traditional golf background, was first a basketball player and a member of the Illinois State men’s basketball team from 2005 to 2009 before trying his hand at professional golf, playing in a variety of mini tour events.

“Having State Farm as a sponsor on this journey is huge,” said Holtz. “I’m a local guy who grew up in and around the State Farm community, and I’ve seen firsthand what ‘Like a good neighbor’ looks like through the way they show up and support people. Golf was always a secondary sport for me, but I put in the work, and to be 39 years old and headed to Augusta with State Farm sponsoring me is something I’m incredibly proud of.”

The brand’s sponsorship of Holtz will bring the Good Neighbor message to life through storytelling and community engagement, with a focus on the preparation behind major life moments and the support systems that help people pursue what’s next, whether in sport or in everyday life.

By Buck Farley, Archivist/Historian

State Farm was born from a simple conviction: people should be able to get honest insurance coverage at fair prices. This year, we mark 104 years of building on that idea—one that reshaped auto insurance and defined what it means to put customers first, innovate with purpose, and stay ready for the future.

George Jacob Mecherle—G.J.— grew up in rural Merna, Illinois. After nearly two decades of farming, he and his wife May retired in 1917 to Florida for May’s health.

When they later returned to Illinois, G.J. worked as an insurance agent, where he was troubled by auto policies that were one-size-fits-all and didn’t account for differences in driving habits or risk. Policies were limited primarily to liability coverage, required the customer to pay an annual premium, and—most importantly—were not based on how people actually drove.

That meant farmers were charged the same as city drivers even though they drove fewer miles and were less likely to have accidents. And paying annually was a serious burden for farmers.

G.J. believed this mismatch was more than just inconvenient. He saw it as a matter of fairness. The customer deserved pricing that matched risk and flexibility that respected people’s ability to pay. This deep commitment to customers endures at State Farm, where future-ready experiences are built on a legacy of listening to what customers need.
 

Putting the customer first, changing an industry

When G.J. suggested updating the auto policy to better serve farmers, his employer dismissed the idea. So G.J. left his job and started selling tractors. Yet the idea stayed with him.

On June 7, 1922, G.J.’s State Farm Mutual Automobile Insurance Company issued its first policy. From the start, State Farm’s foundation was clear, and it has never wavered: as a mutual company, we answer to customers, not shareholders, and the price you pay should match the actual risk, and the structure should work for customers—not against them.

This 104-year milestone comes as we celebrate 250 years of American independence. Both celebrations are grounded in strong tradition and an ongoing journey of improving lives through innovation.
 

Innovation continues as State Farm offers more products

Success in Auto highlighted the need for customer-first products in other insurance lines. State Farm expanded to help families protect more of what mattered in their lives. The Life Company launched in 1929, with G.J. purchasing the first policy. By 1935, the State Farm Fire Company was born, extending protection to homes and property.

Innovation showed up in day-to-day operations, too. Just as today, speed mattered then. In those days, it was important to get mail to Underwriting as quickly as possible. So, a simple solution was found: roller skates. A time-intensive paper binding process (glueing about 40–50 files an hour) produced 750 bindings an hour by introducing sewing machines to streamline the work.

Today, our employees are embracing technology to enhance the customer experience and match the expectation and pace our customers require.
 

Being a Good Neighbor is more than a slogan

Long before the slogan “Like a Good Neighbor, State Farm is There” entered American culture, it was how State Farm behaved. During the Great Depression and the 1933 bank holiday, State Farm stayed open. The company continued writing policies while other insurers folded. Tightening expenses and reducing coverages in the areas with the highest risk allowed us to protect customers where we could rather than leaving them entirely. The promise then, as it is today, was always about customers first, even when the cost of that promise was real.

State Farm’s customer focus has never stopped at coverage—it’s about helping people recover from the unexpected. Until 1969, when Hurricane Camille hit the Gulf Coast, causing catastrophic damage estimated at about $1.4 billion (approximately $11.2 billion in today’s dollars), independent firms handled catastrophe claims. Those specialized firms became overwhelmed, and customers weren’t getting help quickly enough.

So in 1972, State Farm created an in-house Special Disaster Services unit—claims associates from across the country, ready to deploy when disaster strikes. That readiness was sharpened across events through the ’70s and ’80s. Following Hurricane Andrew in 1992, the worst storm recorded at the time with over 361,000 State Farm claims, State Farm launched an industry-leading, national catastrophe team. And State Farm continues to be a good neighbor—a Next Gen Good Neighbor—using technology to build speed and simplicity behind the people helping customers recover. 
 

Becoming a Next Gen Good Neighbor

As America prepares to celebrate 250 years of innovation, State Farm’s celebrates an innovative mindset that started with G.J.: when something doesn’t serve customers well, improve it. It’s a mindset found across the communities we serve, and it drives our work today.

“That’s why we’re focused on becoming a Next Gen Good Neighbor: a State Farm that is faster and tech-enabled, while staying true to our mission and our values,” CEO Jon Farney wrote recently.

“For customers, it means fewer steps, faster answers, and more competitive prices. And in a moment of need, that means digital tools that reduce paperwork and speed up updates, paired with a person who can explain options, exercise judgment, and help a family take the next step.”

As a mutual company that serves customers, not shareholders, State Farm puts that promise into action. We announced a $5B mutual auto policyholder dividend in February and have committed $3M annually to the American Red Cross since 2024 to prepare before disaster strikes. As we continue building a human + digital approach, we honor what G.J. started and commit to what comes next: keeping the promises, serving the people, and continuing to innovate so the promise of the first policy issued in 1922 remains true.

That was the devastating reality of so many in Southern California in January 2025, when wildfires destroyed thousands of homes.

The Wiehl and Poulos families were among them – two neighbors who lost homes, memories and the foundation where they’d built their lives.

Now, both families are finding their way home.

“(It) was an experience that was overwhelming in every possible way,” the Wiehls wrote in a letter to State Farm^®.

The Pouloses agreed in their letter sharing, “…we were not prepared for such a crisis and how we would be thrust into relationships with people at State Farm Insurance.”

For these two neighbors, the face of State Farm became Charles, an on-the-ground claims specialist who arrived in California in January 2025 and has been working there since.

“It was a little chaotic,” Charles said of his first impression after arriving in L.A. while fires were still burning. “We were supporting customers while also setting up the Catastrophe Care Center.”

Building relationships

It didn’t take long for Charles to start building relationships with these families.

“Over time, he became far more than just our claim specialist – he became a steady, trusted presence during one of the hardest chapters of our lives,” the Wiehls wrote. “It is not an exaggeration to say he felt like part of our family.”

According to Charles, building relationships includes starting with simply showing up for customers the way you’d want someone to show up for you. That means setting expectations early and staying consistent, doing what you say you’ll do, being upfront if something can’t be done and keeping the lines of communication open.

The Pouloses also appreciated Charles’s approach, writing, “There is no better way to deal with difficult issues than speaking directly.” They also highlighted the time Charles took to go through details of the policy and next steps. 

That’s why he and others are in California – to support customers during their claims. Charles emphasized this story isn’t about him: “This is about the customers and helping them recover from the unexpected.”
 

Going home

The Poulos family worked with Charles throughout their recovery and are back home now. “We were one of the first homes in the Palisades to fully rebuild,” they said.

Eighteen months after the fires, Charles was able to attend the move-in event the Pouloses hosted with about 75-100 attendees. It was the celebration after a long road. “Everybody was excited to see them get moved back in. It was a great experience,” he said.

The Wiehls are not far behind. “We will forever be grateful to Charles for the role he played in helping our family rebuild,” they said.
 

Charles’ bio:

Charles joined State Farm in 2022 and took on a role deploying to catastrophes in 2024. He’s usually away from home for about 3 months, but in this case, Charles anticipates remaining in California through the rest of 2026, bringing his total deployment there to almost two years.

Charles is a University of Arkansas alum who came to State Farm from a “coaching, athletic and construction and firefighting background.” He draws on all aspects of his past experiences to help State Farm customers.

By Rasheed Merritt, Executive, Corporate Responsibility

I had the privilege recently of joining a massive neighborhood worksite – 24 homes in five days – in southwest Atlanta as part of Habitat for Humanity’s golden anniversary celebrations. Walking onto the site, I was transported back to my first Habitat build over 15 years ago, struck by the same spirit of purpose and hope. Surrounded by the bright red volunteer shirts of State Farm colleagues, it was clear why this partnership endures: neighbors helping neighbors, creating benefits that ripple far beyond the immediate job site. It is a continuing legacy of showing up for people and doing good in the community.

This year marks a remarkable milestone for Habitat for Humanity: 50 years of helping families achieve the dream of homeownership. For many, building a home can feel out of reach, especially as rising costs put homeownership beyond grasp. That’s why Habitat’s work matters, and why partnerships like ours are built to last.
 

A Shared Legacy of Building for Tomorrow

Our partnership with Habitat is a testament to a legacy of community commitment. Together, we focus on building homes that become the foundations helping neighborhoods thrive for generations. State Farm’s support goes beyond financial contributions; it’s also grounded in volunteerism and collaboration. Habitat’s model is a community effort involving affiliate staff, volunteers, future homeowners and partners all working side by side. With more than 19,000 agents in communities across the country, and more than 62,000 employees, State Farm shows up.

Since 1994, State Farm has contributed more than $19 million to Habitat’s affiliates nationwide. This year, we were proud to be honored by Habitat for our partnership during the Jimmy & Rosalynn Carter Work Project in southwest Atlanta. Our participation in the project marks over 30 years of collaboration between Habitat and State Farm, and we were recognized as a Carter Circle Mission Builder – an honor shared by Habitat’s most committed partners.

Building Resilience for the Future

Our partnership extends beyond new construction. Together, State Farm and Habitat for Humanity transform affordable housing from basic shelter into durable, long-term community assets. We are committed to strengthening existing homes through the Habitat Strong program, preparing families and communities for the increasing threats of extreme weather. With over 100 years of helping customers recover from disasters, State Farm understands firsthand the importance of building homes that endure hurricanes, wildfires, tornadoes and other disasters. Disaster prevention is far more cost-effective than disaster recovery. Both organizations share a mission rooted in building stability and strengthening communities. By helping build or improve homes, State Farm supports safer living environments that align with risk reduction, leading to fewer losses and a stronger local housing base over time.

Through State Farm grants, over 450 local Habitat affiliates have been able to build or repair homes to exceed standard building codes, ensuring families have durable, fortified homes. These efforts not only protect lives and livelihoods but also guide homeowners toward insurance discounts available for resilient homes that help our customers lower costs.
 

Looking Ahead

The work we do together is ongoing. Throughout this year, Habitat is marking their 50^th anniversary with several major “50 in 50” efforts. In June, Habitat work will take place outside State Farm’s Bloomington, IL, headquarters as part of the 50 in 50 Whole Home Sponsorship in McLean County, continuing this year’s commemorations. These efforts serve as a reminder that building stronger communities is not a single event but a continuous journey across the country.

At the heart of everything is our shared goal and our commitment as Next Gen Good Neighbors: to help families build homes that are more than just houses – they are places of safety, stability and hope. By working hand in hand, State Farm and Habitat for Humanity are helping ensure that home remains a place where dreams take root and communities grow stronger for the future.

By Launey Jason, Vice President Agency – Sales

Buying a home is one of life’s most exciting milestones – a fresh start where dreams take shape and memories are made. Whether it’s your first home or a retirement retreat, protecting this investment is essential. Understanding your insurance options will help you decide what coverage best matches your needs and fits your budget.

Homeowners insurance can feel complex, but together, we’ll simplify it. Insurance helps protect your home’s structure and the belongings inside – from furniture to clothing to family heirlooms. It can’t stop the unexpected, but it can help you get back on your feet when it happens.

One thing I always remind new homeowners: As your home changes, your coverage should keep up. If you put on a new roof, update a bathroom, finish a basement or add a deck, those improvements can change your coverage needs. That’s why regular check-ins with your agent are one of the best ways to make sure your protection keeps pace.

Your homeowners insurance policy typically runs for one year. A simple habit that goes a long way is to schedule a quick annual review with your agent around renewal time. Don’t wait for a disaster to strike to discover your insurance does not match your home’s current value.

What does a basic homeowner's insurance policy cover?

Knowing what your basic policy covers and what extra coverage you might need helps keep you protected. Your agent can help you understand and find coverage that fits both your needs and budget, too.

• Dwelling coverage: Helps pay to repair or rebuild your home after a covered loss.
   
• Personal property coverage: Helps replace belongings like furniture, appliances, clothing and valuables if they’re stolen or damaged. Creating a home inventory can help you choose the right amount of coverage to meet your needs. This can be as simple as taking photos or quick videos of your belongings. Don’t forget: If you have a college student living on campus, your homeowners policy covers their personal property, too.
   
• Liability coverage: Helps protect you if someone is injured on your property. Injuries resulting from intentional harm or certain high-risk activities typically aren’t covered, so it’s important to understand any exceptions and limits.
   
• Endorsements: Optional add-ons that cover things like earthquake damage or valuable collections such as jewelry, art or sports memorabilia. Work with your agent to tailor your policy to your unique needs.
   
• Deductibles: The dollar amount or percentage you pay out-of-pocket before insurance kicks in to pay its portion of a covered loss. Choosing a higher deductible can lower your premium but means more cost upfront if you file a claim. Your agent can help you compare options and help you choose a deductible you feel good about.
   
• Additional living expenses: Pays for temporary housing and some other needs if your home becomes uninhabitable after a covered loss.
   

Clearing Up Common Homeowners Insurance Misconceptions

I know insurance can be overwhelming. Here are some of the questions I heard during my years as an agent and how I helped make sure my customers – and now you – were not surprised.

Homeowners insurance does not cover all types of damage.

Insurance is designed for sudden, unexpected events like fire, wind or theft – not problems that build up over time from wear and tear or lack of maintenance. Issues like long-term leaks that lead to mold, corrosion, settling and age-related cracks, untreated pest damage, or appliance breakdowns may not be covered by homeowners insurance. What I tell homeowners is this: keeping up with home repairs protects your investment and coverage. If you aren’t sure whether something would be covered, ask your agent – and for items like appliances and heating/cooling, you may also want to look into a home warranty.

Homeowners insurance does not automatically cover all water damage, including flooding.

This one comes up a lot, and the details matter. Many policies cover sudden events like burst pipes, but flood damage is not covered under most homeowners policies. Sewer backups can be covered if you choose to add a backup and sewer endorsement. Flood insurance is available through the National Flood Insurance Program (NFIP). Check with your local State Farm^® agent, many can help you get this coverage with NFIP.

Insurance won’t always rebuild my home or replace my roof after damage.

I hear more questions about this than any other topic when it comes to homeowners insurance. The reality is every loss and every claim is unique, and what the policy pays will depend on the type of damage to the property, the age and condition of what was damaged, and the coverage options you chose for replacement costs. Our Claims team will assess the damage and confirm the coverage the customer purchased, then handle the claim accordingly. The best way to feel prepared is to review your policy regularly and keep up with home maintenance, so you’re in a strong spot if something unexpected happens.

Insurance won’t always pay to replace my belongings with brand-new items.

I can’t stress enough the importance of understanding replacement cost options because your payments will depend on the option you chose. With replacement cost value, you get enough to buy a new item of similar value. With actual cash value, you get the item’s value minus depreciation for wear and tear. For example, if your 5-year-old laptop is damaged, replacement cost value would cover a new laptop of the same value, while actual cash value would pay less because the laptop is older. Replacement cost value usually means higher coverage but has also has higher premiums. Your agent can help you decide what’s best for you.

Homeowners insurance doesn’t typically apply if you rent your home.

If you rent out a room or your whole house, a rental policy may be necessary since standard homeowners policies usually do not cover rental-related risks. Before you rent – even short-term – check in with your agent to be sure you have the right coverage.

 

Talking With Your Agent: A Key to Protection

Your home is an investment, so let’s do everything we can to protect it. I always encourage homeowners to understand your coverage options and make informed choices – when you need it most, that knowledge can save you from costly surprises.

Choosing the right homeowners policy to fit your unique needs and budget doesn’t have to feel overwhelming. That’s where your local State Farm agent comes in. They’re here to help you manage life’s risks, recover from the unexpected, and realize your dreams.

Our priority is taking care of our customers’ needs and helping people start recovery as quickly as possible. When it is safe for customers to return home, we encourage them to reach out to us if they have damage and get the claim process started.

How to file a claim (home or auto)

Customers are always welcome to reach out with questions or concerns. We are here to help. State Farm customers can submit and manage a claim through the channel that works best for them:

• Call or email your State Farm agent
• Call 1-800-SF-CLAIM
• File in the State Farm mobile app
• File online at statefarm.com/claims
• Text “CLAIM” to 62789 to receive a link to file a claim