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State Farm

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7.5

Overall Score

LAST UPDATED: February 15th, 2024

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.

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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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Star Rating

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4.4

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413 Reviews

Review Breakdown

5 grade

67%

4 grade

17%

3 grade

7%

2 grade

4%

1 grade

5%

Sentiment Criteria

Value

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Quality

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Service

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Trustworthiness

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Amy R. Toronto, OH

I love State Farm. My husband and I have used them for over 25 years for home insurance and car insurance. Customer service has always been very responsive. For the most part, it's very easy to make changes to our policies. The rates are reasonable. I just recently checked out a competitor to make sure that I wasn't overpaying and even with their "Save $$" promise, the price was very close to what I already pay, so it wasn't tempting since I feel confident that State Farm really will be there for me when I need them.

1 week ago

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DocBWI Chicago, IL

I’ve been with State Farm for over 30 years, constantly receiving good service and fair reimbursement for submitted claims. I compare policies and prices regularly, until recently finding them very competitive. I found other, lesser prices recently, but decided not to change because of the comfort factor of dealing with a company I have learned to trust.

1 month ago

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Arooj Naeem Washington, DC

The personalised service, competitive rates, and variety of coverage options make it a reliable choice. The local agents are helpful, providing guidance tailored to my needs. The claims process is straightforward, and the comprehensive range of insurance products contributes to a sense of security. Overall, State Farm remains my preferred insurance company for its consistency and customer-centric approach.

2 months ago

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Hank Ricardo Winnipeg, MB

I've used State Farm for my home insurance for over 3 years and am satisfied with them. I have yet the need to make a claim but as far as the rate, I'm happy with the price.

1 week ago

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Dawn Grover

I have had homeowners insurance and currently have life insurance through State Farm. I have found it to be a very good company to work with. No hidden agendas and the customer service is good.

1 month ago

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Sandy Nicholson-Mergen Boerne, TX

We have been with State Farm for several decades. The agents have been very helpful. I have had quick response to claims with no hassle. I have not found a lower rate from any other company.

1 month ago

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Stacey Patterson Pittsburgh, PA

My agent Brandy v from state farm is awesome. State farm offers an excellent umbrella feature for your home that cover picks up /covers things like outside piping etc. That's not necessarily covered on you regular policy. Thay consistently improve their services.

2 months ago

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Verna Lathrop Chicago, IL

I have my car insurance and renters insurance through State farm. I believe this is the best insurance company around. They have saved me a lot of money through the years. Their agents and customer reps are always very polite and go out of their way to help me with any problems that come up.

2 months ago

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Kelsey T.L. Lansing, MI

Our family loves State Farm! For generations, they've been our insurance provider, and they've consistently gone above and beyond to take care of us. Their dedication to customer service and the comprehensive coverage they offer have been invaluable. State Farm is not just an insurance company; it's a family tradition of protection and reliability.

3 months ago

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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.

7 months ago

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Chance Tyler

I have always had State Farm Insurance (almost 40 years) and keep it because they pay. They are not the least expensive, but some of those companies don't pay out when you need them. I have never had an issue and have had several claims over the years. I have them for auto, renters and life insurance. I plan to keep them forever.

3 months ago

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Kerry T Fowler

Excellent insurance company. Easy communication. It's the best on thearket. My local agent is very friendly and professional.

1 month ago

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shelia stromatt Thaxton, MS

I've been with these people for years and they are really helpful and considered every thing I was needing. Please give them a try, you want be disappointed.

2 months ago

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David Hall Salt Lake City, UT

I have a personal agent that I can talk to if I have any questions. I can go in person to discuss concerns. And with my good driving record, my rates are lower than anyone else I know.

3 months 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.

6 months ago

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Rhonda Littlefield Urbana, IL

Our agent, Brian F, has always been helpful and supportive. He is knowledgeable and always there for us during a crises!!

2 months ago

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Doug Harbour Denver, CO

My agent always takes care of my needs promptly. Maybe I could find insurance cheaper but quality service makes their company worth using them for all of my insurance needs.

3 months ago

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Cathi M. Cartersville, GA

Have been a customer of many insurance companies over the years. State Farm made the process easy to consolidate all of our vehicles and properties. They have competitive pricing and are great to work with.

4 months ago

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Debra Taylor Chesapeake, VA

I had occasion to use State Farm to protect my property during the construction phase. The agents were helpful and knowledgeable. With my building project complete, thdey continue to service my needs.

4 months ago

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James Galarza Hot Springs, AR

The Company is a reputable company. We have not filed claims as of yet, but the customer service when we call with questions is good. The only issue is the cost went up, and after doing some research, most insurance companies cost went up as well.

4 months ago

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Quiana Varner Ashburn, VA

In the 7yrs I've had the service I've only filed 1 claim. The payout wasn't enough to do the repair and the claims rep denied every quote and issued a check for the minimum amount. Also, they annually increase without notice or reason making my mortgage payment increase on annual buy $50-60 a month. You would think that with home, life and car bundle together that I would get a better rate. I really need to shop around.

5 months 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!

7 months 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

8 months ago

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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.

4 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.

6 years 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.

9 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,

9 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.

10 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.

11 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.

11 months ago

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Deborah Parker Taylor, MI

I love my State Farm very fair pricing I have my auto and home insurance with them for years now

1 month ago

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Lisa Imes DeMotte, IN

Prices were a bit higher then other insurance providers. Great customer service and friendly employees!

1 month 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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Sue BC Wilmington, NC

I was a loyal claim free customer for at least 15 years. We had to use our towing coverage, only to not need the car towed after all. Several months later my car door was opened and dinged another car causing very little damage to that car. I was going to pay for the damage out of my pocket, but my local agent rep reassured me that our rates would not increase if they paid the damage. She explained that since it was under $3k we would not be penalized & told me not to worry. I was shocked when I received my next statement saying that our rates were increasing quite a bit due to two claims. When I called all they gave were excuses & more lies. I decided I was done with them. I found a company that has way better customer & better rates. Don't bother with State Farm unless you want to overpay for just meh service.

4 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.

5 months ago

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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.

5 months 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.

6 months ago

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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.

6 months ago

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Ronald Hale Millington, TN

We have car and home policies with State Farm for quite awhile. Have made several claims over the years and never had a problem being resolved to our satisfaction. We are happy to stick with State Farm. Our agent, Pam B and her coworker Hope are both great!

1 year ago

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Brandie Rudy West Jordan, UT

State Farm has insured both of our homes. I can sleep easy at night knowing that my home and belongings are covered with State Farm. The cost and customer service are beyond my expectations and although I have never faced a disaster I know that I am well taken care of with State Farm.

4 years ago

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Megan Rigby

When our water heater went out and water leaked through the walls, carpet and required repairs, State Farm stepped up and handled everything. It was such a smooth process and took a lot of the stress away associated with such an event.

6 years ago

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Thomas Cantrell Albany, GA

Great Coverage for the price. Hands on when necessary!

2 weeks ago

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Joy Garcia Buffalo, NY

State farm change the amount of my insurance six times over 3 month period and could not explain to me what was the reason for the changes.

2 weeks ago

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Nick Engledow Avon, IN

Reputable company. Multiple options for policies. Good customer service

3 weeks 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.

9 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

10 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.

10 months ago