Personal Property Coverage

Our focus continues to be on supporting our customers in their recovery from the devastating 2025 wildfires in Los Angeles. Effective April 14, State Farm General Insurance Company increased advance contents payments to customers with total losses from 50% of their contents limit to 65% without requiring an inventory. We’ll continue to work with state and federal officials in support of our customers and appreciate their engagement.

Contents coverage is one type of benefit within the policy. Another type is dwelling coverage, which helps cover damage to the home and attached structures such as garages and structures permanently attached to the home or property. Contents coverage helps cover personal possessions not permanently attached to the home or property, such as furniture and electronics.

Approximately 2,500 of our customers have experienced total losses stemming from the January 2025 wildfires.
We understand this is a difficult time for our impacted customers, and we’re here to help. Our claim handlers are assisting customers with their claims, including the contents inventory.

Previously, we offered advances up to 50% of the policy’s contents limit to customers who suffered a total loss from the January wildfires without requiring a detailed personal property inventory. This already went substantially beyond what California law requires. State Farm General typically advances more dollars in contents coverage than other companies because of the policy benefits offered.

After receiving the advance, customers can complete a contents inventory, with assistance from their agent and assigned claim representative, to receive additional payment up to the full policy limit.

We’re reaching out to customers who already received an advance to offer the additional 15%. Customers will need to sign a form to receive this additional amount.

PDF version available for viewing and/or download: Personal Property Coverage.