[jhv48]

State Farm handled this correctly. The home is covered under your homeowner's policy. Your cars are covered under each of their own separate policies. Each policy is subject to whatever deductible you yourself agreed on. It's unfortunate, but that's the way it is.

Just be thankful that your entire house didn't burn to the ground with your cars inside. Could have been much worse. And you will never be cancelled for an event that was not your fault, unless this is just one in a series of accidents that continue to happen to you.