State Farm has a reputation for quality and reliability in the insurance industry. Its home insurance is no exception. It offers competitive coverage, covers many types of homes, and has earned high customer ratings on BestCompany.com.

Read State Farm Home Insurance Reviews

State Farm is also invested in the communities it serves. The company offers grants and its employees volunteer. When disaster strikes, individuals and communities are impacted. State Farm's investment in communities even when things are good emphasize its concern for its clients.

If you need another type of insurance product, State Farm also offers life insurance, auto insurance, and renters insurance.

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The Good

Positive Customer Reviews
Competitive Coverage
Additional Homes Covered

Positive Customer Reviews

Of its reviews on BestCompany.com, State Farm has received a high proportion of 5-star reviews. These ratings speak to State Farm's quality, value, and customer satisfaction. Such high ratings are a good sign that the insurance provider treats its customers well.

Customer Review: Eddie Rios from Ogden, Utah

"Having had State Farm as my home insurer has been the best decision of my life - in terms of insurance. They cover all contingencies for a modest premium. They sell peace of mind and they look after your policy to ensure it grows with your family. State Farm agents are as expert as they come. Can't be beat. I've tried to find better, but found that State Farm runs circles around the competition."

As you work with State Farm, be sure to understand how your policy works, what it covers, and what it doesn't to avoid unpleasant surprises.

Competitive Coverage

When you work with State Farm, you'll start by looking at what it would cost to replace your home to determine your coverage level. Getting replacement cost coverage in your insurance policy, will protect your home if the worst were to happen.

Your State Farm policy will also protect keepsakes, hobby equipment, and home and garden features from nature, random acts, and other threats with some exceptions.

The coverage offered by State Farm is competitive with the industry, so you can be confident when considering a policy from the insurer.

Additional Homes Covered

You can also purchase condo, farm or ranch, manufactured home, and renters insurance from State Farm. Whatever home is for you, you can find reliable insurance coverage through State Farm.

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The Bad

Fewer Discounts Available
Clear Limitations
Limited Financial Strength Information

Fewer Discounts Available

State Farm offers fewer discounts on insurance premiums compared to some of its competitor homeowners insurance companies. However, it still offers some nice discounts, including a multi-line discount, home alert protection, and roof materials and quality.

You can also opt for a higher deductible for lower rates on your homeowners insurance policy. While it would be nice to have more discount opportunities, State Farm offers some key discounts to help clients save while delivering quality services.

Clear Limitations

Most home insurance policies have limitations. State Farm makes its policy limitations clear on its website. These limitations include money, business property, watercraft, trailers, firearm theft, silverware and goldware theft, computers and data processing equipment, and rug and tapestry theft.

State Farm home insurance also does not offer protection in certain scenarios, including flood, underground water, earthquakes, mudslides, settling, deterioration, contamination, nuclear hazard. If you're home is damaged in any of these situations, you won't be able to make an insurance claim.

While it would be nice to not have any limitations, they are common for the industry and State Farm makes them clear from the initial research stage.

Limited Financial Strength Information

It's difficult to find State Farm's financial strength information online for its homeowners insurance policies. While this is concerning, State Farm does have high financial strength ratings for its auto and life insurance companies.

Financial strength ratings indicate an insurance company's financial stability and likelihood to be able to meet its claims obligations. High financial strength ratings are an important indicator of a good insurer.

To be fully confident when buying home insurance from State Farm, be sure to ask your State Farm agent specifically about its financial strength related to its homeowners insurance.

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The Bottom Line

State Farm is a recommended home insurance company because of the praise it has received from reviewers on BestCompany.com.

The insurer also has a strong reputation for dependability and quality developed through many years of industry experience. However, you should ask your insurance agent about its financial strength for home insurance before applying for and buying a policy.

State Farm offers good coverage options for a variety of homes, which makes it easy to have your insurance needs met.

Although you'll find fewer discounts for insurance cost on State Farm homeowners insurance than with some of its competitors, State Farm is a great insurer to choose. You'll be clear on the terms of your policy and what it covers under which circumstances, which will give you peace of mind and clarity.

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User Reviews

Star Rating

4.4

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373 Reviews

Review Breakdown

5 grade

67%

4 grade

16%

3 grade

2 grade

1 grade

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Deborah Dyer Hendersonville, TN

My husband and I of 49 years of marriage have had State Farm home insurance as long as we have been married. Oh we know there are cheaper companies we could have gone with, however the cheapest things in life are not always the best way to go. When you are dealing with your home you have worked hard to acquire and everything in it, you want a company that will be there if it is destroyed by fire, act of God or war. We have had several State Farm agents over 49 years, all of whom we have enjoyed working with. We have filed several claims that they ended up reimbursing us back on. They are fair priced in their claims and what our yearly cost is to them. We will just never change companies. My daddy used to have a saying that ‘if it ain’t broke, don’t fix it’ 😅 and that’s the way we feel about State Farm.

2 months ago

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MisterFord73 Plano, TX

My agent made sure I had enough coverage for a very old house. They also helped me with a Life policy I can afford. The online claim process works very well.

1 day ago

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Robert Horn II Pahrump, NV

I had State Farm home insurance on my first home in Florida. That same year we had a break-in and had our jewelry, coin collection, TV, and other items stolen. State Farm reimbursed us with no hassle. Everything was easily handled over the phone with a very helpful customer service representative.

1 month ago

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Reb R

I Had State Farm for a little while through an independent insurance agent. They gave us a great price for home and auto.

1 day ago Edited September 21, 2023

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Marla Venice, FL

Very expensive. When calling the agent's office they act like they are doing you a favor by insuring you. I asked why they had increase the premiums when they no longer cover my home for wind and I was told they are the Cadillac of insurance companies. Not sure what type of Cadillac they are referring to because they seem to be only wanting to insure new and expensive homes. I live in Florida and for a State that refuses to write wind with homeowners unless your house was built after a certain year wants you to trust them with your car. Well State Farm, I have made investments in my home but my home is cinder block not the pressed particle board ready for mold homes they are building in Florida that are so close together if there is a fire the houses next to them don't stand a chance.

3 weeks ago

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Family Mendoza Fair Lawn, NJ

Reliable company Prompt response to claims, the agents are knowledgeable and very helpful you can trust you’ll get your money to make repairs promptly You can save money on if you use their bundle option.

4 weeks ago

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LaDonna Pauley Houston, TX

I was with state farm for many years. My agent Dick C was great! But they got beat out in price when I got a new car.

1 week ago Edited September 19, 2023

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Reverend Kirsten Hancock San Antonio, TX

I bought my home a year ago. I already had to file one claim & everything was processed in a week. I received the check & paid for repairs. I implicitly trust State Farm with protecting my home.

1 month ago

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Shirley Vickinovac Lincoln, NE

State farm may not be the cheapest insurance company out there, but they have never done us wrong when we have had a claim. Except when we had an accident that was not our fault and I had just put brand new tires on my car at a cost of $1000 And they only reimbursed us $200. Otherwise our local agent is the best!

2 months ago

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Reem Haddad Houston, TX

The agent here at State Farm are so amazing and helpful. I got the best deals from them.

1 week ago

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George Hopson IV Nashville, TN

The rates that I have are good. I wished the rates would go down for the economy. It would help the middle class who works from check to check.

2 weeks ago Edited September 7, 2023

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DLR Rocklin, CA

We are long term customers. They have taken care of our needs and the occassional claims. They may not be the lowest cost, but we feel you get what you pay for.

1 month ago

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Donald Farris Springfield, IL

Always have us covered and my person is amazing. They send us updates and are quick to respond for any question. Handled our claim and I never stressed!!!

1 month ago

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Mel Hollywood, FL

Have been a longtime customer for auto and home. Local staff is responsive. Regional staff tricky to deal with, and too inclined to reject claims without observing.

1 month ago

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Alan Charlotte, NC

Been a customer for over 40 years and have have multiple home and vehicle coverages since that time. Excellent service. I've gotten quotes from other insurers, but no one ever comes close. We always stay with the best, State Farm

3 months ago

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J Adams Charlotte, NC

I have used State Farm for many years to cover my home and vehicles. There rates are competitive.

1 day ago

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Cat Metzenbaum Ogden, UT

State Farm has insured my cars and my house for many years. Their rates are good, and I have been able to get exactly the coverage I need without paying for a bunch of stuff I don't want. State Farm has paid out on several claims on my house due to flood damage and wind damage. Their representatives come to my home immediately so I don't have to worry about contacting repair people, etc. Good service! Plus my agent here in town is personally interested in my safety and well-being - he has come himself to my home more than once to help me figure out what to do.

3 months ago

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Mike Young

I switched to State Farm over a year ago, after 10 years with Progressive. Progressive ads are very deceptive. With them, I paid through the nose for just liability insurance. I have a stellar driving record. Then I called State Farm. I am now fully insured, liability, comprehensive, and collision. All at a cost of 50% of what I had been paying Progressive. The best part is, I actually have gotten to know the agent personally. Not so with Progressive,

4 months ago

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Jorge Briscoe Lafayette, LA

I have been a STATE FARM customer since 1982 (41 years) and even though many low rate companies have tried to solicit my business' away from STATE FARM I have stayed with them. Any time I need to speak with an agent I am able to speak with someone who knows me and my insurance needs. I don't have to speak with a unknown representative who knows nothing about me or my needs.

4 months ago

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Calandra Williams Dallas, GA

I received a quote from state farm to get homeowners and car insurance. The quote was twice the amount that I am currently paying for with Progressive. My driving record is great and I live in the suburbs so there should not be a reason for the rights to be so high. I will never recommend state farm.

2 months ago

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Julie Atkinson

Had bad hail damage. Estimators were awesome....got paid out rather quickly and were able to get repairs done with minimal out-of-pocket cost. Very responsive team.

2 months ago

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Kymberly Ellis Andalusia, AL

Recently had a conversation with an agent and the ease of conversation speaking on various aspects of insurance was easily understood and fantastic customer service.

2 months ago

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A White South Bend, IN

We have been customers of State Farm for 25 years. Our agent is amazing and we have never had to fight for a claim. It's been the smoothest service company we have every worked with. We have recently price shopped and State Farm came in the lowest even with higher coverage on cars and home for extra liability.

3 months ago

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Johnny Sigmon Cumberland, MD

State farm is the best insurance company that I've had in a while an from one client soon to be a new client State farm is where to go.agan thanks an for making me an my family feel safe in our home and we don't have to worry about anything with State farm. Thanks for being my number one insurance company. John sigmon

5 months ago Edited April 13, 2023

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James Koller Seattle, WA

Good company, like with any large company the rates tend to increase over the years... I had State Farm forever, like 20 years. Think we had 2 claims in those 20 years and both were handled professionally. Only reason I give them 4 instead of 5 stars was when I did notice the rates rising I called to get them lowered, nothing. Then I got another quote (Farmers) and they still did not want to bring the cost down to even come close... someone who has been with a company for 20 years, you would think would get better retention treatment.

5 months ago

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Lisa Caruana Pittsburgh, PA

I had a issue with someone, driving into my living room windows and destroyed many family heirlooms. I didn't have renters insurance, so I wasn't reimbursed. I spoke with the State Farm agent, and now have my car, and apt. covered with them. They have been awesome to deal with!

5 months ago

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Sheila Burns Dickson, TN

State Farm is an insurance company that I can always trust. I have used them for years and they have always treated me with kindness and respect. When I have had to make a claim, they have always come through for me with fairness.

5 months ago

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Laura Smith Corinth, MS

A few years ago I was taking with our State Farm agent. I told him how concerned I was about rate increases. Within a couple of days the agent came to my home and did a walkthrough and suggested several ways to reduce policy premiums. After completing a couple of the suggested changes, I qualified for a reduced premium. It means a lot to have personalized service especially when it comes to your home.

6 months ago

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CLAIRE KAZLMAN Princeton, WV

I have used different insurance companies throughout my life, and I have to say that State Farm has always been number one. They take time to talk with you about what coverages you need. They offer you everything they have, and you can decide what is best for you. They have always come through for me. I have never had a complaint in all the 10 years that I've used them, and I've used them for both home insurance and car insurance. I would say so far, they are my number one home insurance and car insurance company. At this point, I would never go anywhere else.

6 months ago

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Chris Law Charlotte, NC

My insurance rates have increased 2 times (a total of $30 within the past year). No warning, no explanation, just a bill arrives more expensive than the last. I've also been a client for 30 years and have never needed to use them to pay anything.

1 month ago

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Gwendolyn Luper Pinehurst, ID

Have used for home and auto coverage for years. Always received fair compensation when filing a claim.

1 month ago

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Maya My McDonough, GA

Statefarm is my current insurance company and I can't wait to switch. I tried to use my homeowners insurance and the claim was DENIED. No one was able to fully explain to me why it was denied and no one cares that I can't use my master bathroom. WHAT AM I PAYING FOR??

1 month ago

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Lloyd Plainfield, IL

Been with State Farm insurance for my automobiles, rental insurance, and homeowners for the last 40+ years. I am convinced I could find less expensive insurance, but I appreciate the service. I have recommended state farm to family members. Shall remain with State Farm.

4 months ago

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Martin Irwin Mars, PA

90% of time they are very good quick and together for my home and for my car. However, when my car was repaired it was not properly repaired and there he supposedly have a guarantee and the guarantee was not followed. I am very disappointed.

4 months ago

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Hasnain Ali Taylor, MI

Have been a State Farm customer for the last 4 years, very experienced staff. Very well versed in finding the right insurance package for your needs. Would definitely recommend them.

4 months ago

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Betty Mount Pleasant, MI

AGENTS ARE VERY FRIENDLY AND WILLING TO HELP YOU WITH QUESTIONS IN AN EMERGENCY. WILL EXPLAIN WHAT YOUR POLICY IS AND WHAT IS COVERED IN THAT EMERGENCY SITUATION AND HELP YOU FILL OUT YOUR CLAIM.

5 months ago

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Faramarz Farrehi San Jose, CA

I used to have the basic coverage with Statefarm before and have been happy with the customer service. But Allstate had definitely lower costs that is why I switched. Thanks God haven’t had to place a claim with either of them!

5 months ago Edited April 13, 2023

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Ron Jaffe Orlando, FL

State Farm is nothing without its agents - We've been very pleased with the agents that support our homeowner's insurance. We also have bundled car insurance as well. We've been State Farm customers for three generations. Not thrilled about Florida's deductibles for hurricane damage. Whole purpose of insurance is to pay for damage that you can't afford without insurance. That 5% deductibles for roofs can really hurt.

5 months ago

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Angie Martin Cherryville, NC

I just recently switched to State Farm from another Insurance provider. State Farm was able to give me the same coverage for half the cost of the other provider. The agent was very helpful and friendly. They were very knowledgeable about what I needed and had everything changed very quickly.

7 months ago

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M T Buffalo Grove, IL

I have been a State Farm customer for only a few years but have watched my parents use them for far longer than I. This is an outstanding company and I will forever be their customer. Their billing and customer service team is extraordinary.

8 months ago Edited January 3, 2023

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Toni Montuori

I carry State Farm as a bundle which includes my home and I could not be happier with them. When I had water damage to my roof I filed my first ever claim I was immediately relieved from all my worries. They were prompt, understanding, compassionate informative and they had an estimator out fast. Repair work was scheduled and checks were issued on time and without issue. I could not have been happier with the insurance company!

2 years ago

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Eddie Rios Ogden, UT

Having had State Farm as my home insurer has been the best decision of my life - in terms of insurance. They cover all contingencies for a modest premium. They sell peace of mind and they look after your policy to ensure it grows with your family. State Farm agents are as expert as they come. Can't be beat. I've tried to find better, but found that State Farm runs circles around the competition.

3 years ago

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Kaleb Herbert Gilbert, AZ

I have been with State Farm for 20 years. The rates and service are second to none. They are courteous and it has been great working with an agent that really does support and help if anything goes wrong. You really know you are with the right company after experiencing their support after an accident. We have never had to file a homeowners claim, but many times have called are agent to determine if we should file and he always gives us the honest answer.

5 years ago

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Dale Ash Sandy, UT

My State Farm agents have been wonderful. Their service is solid. They return phone calls promptly. They provide options and help you to find ways to save on premiums. They provide discounts for multiple policy types. When you do have a claim, they are very helpful in getting the situation resolved. Rates don't climb because you had to use your insurance.

5 years ago

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Clinton Estes Charlottesville, VA

I have always liked that I deal wih only one person in our small State Farm office. My agent is someone I wen to high school with and so I trust his judgment and his advice. He has been my agent for over 40 years until his recent passing. That said, the lone secretary has continued to offer me excellent service and is always willing to talk and advise when needed. So, thank you Wayne M and his staff in Orange, Virginia for a job well done and continuing to do a great job for me!

8 months ago

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Carol E Brown Harker Heights, TX

We had State Farm as my provider for both renter's insurance and then for homeowners insurance once I purchased a home. We were completely satisfied with the service we received from State Farm. The agents we had were very proactive and responsive to any concerns we had. The coverage they suggested was exactly what we needed. I highly recommend State Farm for insurance.

10 months ago

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Braska Williams Jr Knightdale, NC

Great coverage - I had a claim with State Farm about eight years ago, and they did a fantastic job with the repairs. I had a toilet to clog and flood my bathroom upstairs with one inch of water which leaked through the ceiling to our kitchen which was underneath. They replaced the bathroom floor, repainted the kitchen ceiling and walls, dehumidified the ceiling. On the negative side, we had submitted a roof claim and were advised to not follow it. Within a year or two, State Farm sent someone to do a "random" check of the exterior of our home which was odd. My local agent and his staff are great!

10 months ago

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mark andrews Montrose, CO

After 40+ years of having state farm insurance on our home, unfortunately we had water damage and a claim. Although the deductible is always confusing to me, State Farm agreed on the damage and paid some funds to replace and repair water damaged aspects of the house. Although it can be confusing on what is covered or not, State Farm came through for wind-driven water damage. Even though my home, auto, and personal umbrella policies continue to rise in price, I had to spend hours online and on the phone with other major insurance companies to find out I get darn good rates as is. If you take the time to get the details on comparisons, state farm is the best for price and reliable coverage. Our local agent, Mike T, has been very accommodating and helpful over the last three plus years.

1 year ago

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David Wilhelm Escondido, CA

We have been pleased with State Farm Insurance for most of the period in which coverage has been provided for our home. However, we were very dissatisfied when we experienced a slab leak in the family room connected to the kitchen and learned State Farm Insurance does not indemnify or provide remedy for it. Our home is 25 years old, and the risk of a slab leak increases with the age of the home. The out-of-pocket cost including restoration was $12K. According to State Farm Insurance, slab leaks are NOT covered in circumstances where the leaking pipe is located BELOW the concrete foundation because it is not considered part of the home and is only covered when encased within the concrete foundation as part of the home. We were very dissatisfied and shocked at the time. Please check with your insurance agent to inquire about coverage for slab leaks which are common in older homes so you are prepared should this occur to you.

1 year ago

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Sherran Nutson Atlanta, GA

I am/have been a State Farm customer over 30 plus years. State Farm is stable, reliable and a household name.

2 months ago

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