I wonder if the State Farm has the right to modify/change the contract while it is in force. If a contract is agreed to in the beginning, neither side can not change it until the termination date or cancellation.
The changes to the contract are made at renewal, typically annually on Homes and semiannually on autos. At that time the previous contract is complete and the new contract, and terms, are in effect as long as you pay the premium. Your paying of the renewal premium is your acceptance of the new contract. Done deal.