Glad you're with us here on the Clark Howard Show where it's about you learning ways to

keep more of what you make.

Coming up later, there's a big trend in the cell phone industry that can work to your

advantage.

I'm going to tell you how it plays out.

So state farm, I think, is the largest homeowners insurer in the country.

It's a lot of trends for a lot of their competitors.

And state farm has been being sued multiple lawsuits around the country because state farm

changed coverage in homeowners policies and just lost a lawsuit in the state of Pennsylvania

for quite a bit of money.

And the lawsuit concerned how people were notified by state farm of the changes in their

policy that were actually taking benefits away, but referring to it in the information

being communicated to homeowners policy holders as additional coverages.

So sounding like they were giving you more benefits when state farm was actually taking

them away.

And so there was a great right up in the Philadelphia inquirer about what they were up to and

what state farm has done is they've greatly limited coverage in the event you have water

damage in your home.

And so now you're facing a lot more out of pocket.

So you're paying for this coverage that now has been excused the pun watered down by state

farm.

So they've been sued two different ways, one on the coverage reduction that people have

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