State Farm vs USAAHome insurance compared

Sewer and drain backup

Water that backs up through drains or a failed sump pump. A standard policy leaves it out; you add it.

Extra rebuild cover

Pays above your dwelling limit if rebuilding costs more than expected, for example after a disaster raises prices.

Not ranked: USAA, where two sources for it disagree.

Building code upgrades

When a rebuild has to meet today's building code, this pays the extra cost.

Belongings paid at

Replacement cost pays what it costs to buy new. Actual cash value takes off depreciation, so you get less.

Valuables (itemized)

Jewelry, art and other valuables listed one by one, usually with higher limits and fewer exclusions.

Service lines

Underground water, sewer, gas and power lines between the street and your house.

Equipment breakdown

Repairs to a furnace, air conditioner, water heater or appliances after a mechanical or electrical breakdown.

Identity theft

Reimburses the cost of restoring your identity after fraud.

Renting out your home

Short-term rentals like Airbnb are often excluded unless you add this.

Discounts named

The discounts the insurer names on its own pages. Amounts depend on your state and home.

Where it's sold

Not every insurer sells homeowners cover in every state, and some sell only to members.