What Does State Farm Homeowners Insurance Not Cover

Homeowners in the USA want peace of mind — knowing that if disaster strikes, their house, garden and belongings will be protected.

With rising USA home values — and gardens playing an ever more valuable role in our outdoor lifestyles — many gardeners here at semenata.org are asking:

What does State Farm homeowners insurance not cover in USA ?

This is an excellent — and very important — question.

The truth is: many homeowners mistakenly believe that buying a known brand name policy like those associated with State Farm (offered through brokers in USA versions) will automatically give them "full cover."

But no home insurance covers everything — and knowing what is excluded in USA versions of these policies can save you thousands in potential repair costs or denied claims.

In this guide, you’ll learn:

What is NOT covered by most State Farm-style USA homeowners insurance

Why USA home insurance is different to US cover

Key gaps and exclusions gardeners and homeowners need to know

How your garden, tools and outdoor structures are affected

How to check your policy for hidden limits

What to do if you have valuable garden investments

How to avoid costly mistakes that leave you uninsured

How State Farm-Style Insurance Works in the USA

In the USA, State Farm is one of the biggest names in homeowners insurance — often bundled with car insurance.

In the USA , State Farm does not sell direct — but brokers offer “State Farm style” home insurance products (combined buildings + contents + liability).

However — these policies are built on USA frameworks, and reflect USA insurance market rules — which are different from US terms.

That means:

Some US inclusions are missing in USA versions

Certain USA exclusions (like storm damage to fences) are more common

USA policies use different definitions of “storm,” “wear and tear,” “accidental damage”

What State Farm-Style USA Homeowners Insurance Typically Covers

Most USA policies (whether from Aviva, Direct Line, or State Farm-style brokers) WILL cover:

The main building (structure of home)

Fixtures and fittings

Outbuildings (within limits)

Contents (belongings inside home)

Legal liability for injury or property damage to others

Some alternative accommodation if home becomes uninhabitable

What State Farm Homeowners Insurance Does NOT Cover in USA — Key Exclusions

Risk / Item    Typically Not Covered
Wear and tear / gradual deterioration    Excluded
Damage from lack of maintenance    Excluded
Damage from pests (vermin, insects)    Excluded
Fences — storm/wind damage    Often excluded
Plants and shrubs — limited cover only    Excluded or capped
Robotic mowers — need special listing    Often excluded
Outdoor furniture theft (if unsecured)    Often excluded
Loss or damage from war or terrorism    Excluded unless special add-on
Subsidence (unless special policy)    Excluded or high excess
Flooding (certain high risk areas)    May be excluded or need separate policy
Business equipment (used in home garden)    Excluded
Valuable items (jewellery, art)    Not fully covered unless declared
Mobile phones — not covered outside home unless separate add-on    
Bike theft — not covered unless separately listed    
Damage caused by pets    Excluded
DIY errors — excluded (unless accidental damage purchased)    

Biggest Surprises for USA Gardeners — What’s NOT Covered

Fences and gates storm damage — often not covered in USA policies

Sheds and greenhouses — storm or wind damage not covered unless special clause

Garden plants and shrubs — typically excluded except for theft or fire

Robotic mowers and powered tools — often treated as high-risk items, need declaring

Outdoor lighting, irrigation systems — not always included in standard cover

Garden sculptures, fountains — excluded unless declared

Hot tubs, outdoor kitchens — may require separate insurance

Common USA Exclusion Clauses in State Farm-Style Policies

“We will not pay for damage caused by gradual wear, rust, corrosion or rot”

“Storm or wind damage to fences, gates and trellis is excluded”

“Storm damage to greenhouses is not covered unless accidental damage cover purchased”

“Loss of plants, shrubs or trees due to weather, disease, or frost is excluded”

“Motorised gardening equipment over X value must be declared to be covered”

“Items left unattended in open garden not covered for theft”

Why These Exclusions Matter More in 2025

USA weather becoming more extreme — fences, greenhouses more exposed

Gardeners investing more in tools, equipment, plants

Outdoor living spaces becoming premium investments

Robotic mowers — high theft rates — poorly covered in standard home insurance

More people using gardens as part of home businesses (excluded under standard home insurance)

How to Check Your USA Home Insurance for Exclusions

Get your full Policy Schedule + Wording — not just summary

Read sections:

Buildings exclusions

Storm/wind/flood clauses

Garden cover

Outbuildings

Contents exclusions

Accidental damage

High-value item clauses

Business use clauses

Ask your broker:

What fences / greenhouses / plants are covered?

Are robotic mowers included?

What outdoor items are excluded?

Are business tools covered in the garden?

How are DIY accidents handled?

How USA Gardeners Can Close These Gaps

Add Accidental Damage to buildings cover

Add Personal Possessions to contents insurance

Declare robotic equipment, high-value outdoor items

Buy specialist garden insurance for high-end installations

Use brokers with experience in garden and outdoor cover

For big gardens — consider high net worth home insurance

Typical Costs of Gaps — If You’re Not Covered

Item    Typical Replacement Cost
Timber panel fence (15m)    £1,200
Decorative composite fencing    £3,000+
Robotic mower    £1,000–£3,000
Large greenhouse    £2,000–£4,000
Outdoor dining set    £1,500+
Hot tub    £3,000–£7,000
Garden sculptures / bespoke planters    £2,000+
Full irrigation system    £2,500+

Real Examples — Denied Claims

Wind-damaged fence — excluded due to “storm damage exclusion”

Greenhouse glass blown out — excluded “storm”

£2,800 robotic mower stolen — no cover, item not declared

Business-use laptop damaged in garden room — excluded, "business equipment"

£5,000 koi pond filtration system failed — not listed as item

Regions in USA Where Exclusions Hurt Most

South West & Wales:

High storm impact — fences, greenhouses at risk

London & SE:

High garden investments — expensive exclusions if uninsured

Scotland Highlands:

Weather extremes — structures often not covered

Urban Midlands:

High theft risk — outdoor tools and mowers often excluded unless added

Conclusion — What State Farm Homeowners Insurance Does NOT Cover in USA

In short: More than most gardeners realise.

In 2025, typical USA policies (including State Farm-style versions via brokers) do NOT cover:

Storm damage to fences

Wind damage to greenhouses

Garden plants except in very narrow cases

High-value garden features unless declared

Robotic mowers unless added

Outdoor furnishings unless secured

Business equipment

Pet damage

Wear and tear on fences or sheds

At semenata.org, our advice:

Read your policy — know your exclusions

Talk to brokers — ask about garden cover

Add extra cover where needed

Maintain and document garden structures

If your garden is a major part of your home’s value — consider specialist insurance 

If you own a home in the USA, having proper home insurance is essential. Whether your house is in California, Texas, Florida, New York or anywhere else — natural disasters, accidents, and theft can all bring major unexpected costs.

One of the most common homeowner questions in America is:

“How do I find the right State Farm home insurance phone number?”

At semenata.org, where we love gardens and everything related to beautiful outdoor spaces, we often hear a related version:

“How do I contact State Farm to ask about garden insurance with my home policy?”

Many US homeowners forget that your outdoor spaces — gardens, sheds, fences, patios, and tools — also need protection.

That is why having the correct State Farm phone number can make all the difference — especially if you need:

To file a claim after storm or wind damage

To report stolen garden equipment

To add garden or landscape coverage

To check if your current policy includes fences or outdoor features

To discuss replacement costs for garden structures

In this full guide, you will learn:

What is the correct State Farm home insurance phone number in 2025

What services you can request by phone

What questions to ask for garden insurance

How to get the best service from State Farm phone support

What common problems people face when calling

How to escalate a home insurance issue

What State Farm phone numbers are used for claims vs new policies

How to request bundling home and garden insurance

Tips for homeowners in California, Florida, Texas and other states

How to avoid common mistakes that slow down your claim

Why garden protection matters in US home insurance today

What Is the Right State Farm Home Insurance Phone Number?

For general customer service on an existing State Farm home insurance policy: