The lawsuit states that Arhinful held a State Farm homeowners policy in force from April 20, 2024, to April 20, 2025, with total applicable limits of $4,683,785. That includes $1,993,100 for dwelling coverage, $996,550 in extended replacement cost, $199,310 for other structures, $199,310 for building ordinance or law coverage, $99,655 each for trees, shrubs and landscaping and debris removal, $498,275 for personal property and $597,930 for loss of use.