My mother in law's furnace went out the coldest day of the year, will homeowner's insurance cover the 3200$ + it will cost to replace it? State Farm is the insurer.

Sorry; it won't. The furnace had to be damaged as a result of a covered peril. Wear and tear is not covered under your policy. I am in the same predicament. I will need a new furnace within a year according to my oil company. What a horrible expense!