This is a constant misunderstood subject. Even agents misinform people enquiring. State Farm covers 5 children plus your own. I was told otherwise back in 2006 so I asked to see the policy in writing. They showed me in the book and they were all apologetic for getting it wrong by telling me it was 3 or 4. It is 5 plus your own, I have read it and know for sure that is what it is. State Farm has now been bought out by Certas Home although the State Farm brand is still being used.