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State Farm has assumed a huge loss in the home owner insurance business in the last year. I am a victim of their latest policies concerning claims. If you have a loss (God forbid a waterloss) State Farm will review your policy and flag it. Your ok if you don't ever need to change your coverage or have another policy written. If you do however, your policy will likely not be renewed and/or you will not be able to have another policy written. Other insurance companies have taken losses and are not taking this extreme of measures. Note also that State Farm is about the most expensive insurance out there. I will say, to their credit, State Farm does respond fairly and quickly to claims. Just don't have any!