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State Farm

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7.4

Overall Score

LAST UPDATED: November 29th, 2023

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

4.4

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392 Reviews

Review Breakdown

5 grade

68%

4 grade

16%

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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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.

2 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.

4 months ago

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katelyn branham

My bill would be one amount one month then the next month is would be more. They couldn't explain why it kept raising and dropping. Was unhappy with the service.

6 months ago

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Barbra Willis Overland, MO

Had State Farm for many years filed a few claims and they dropped me!!! I felt that all the money I put into the premiums didn't come close to the pay outs. They don't care about you just the money you generate and then they drop you when you file a claim.

1 year ago

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clifton wilkins Clarksville, VA

Too many problems with them not sending out payment info .my mom got canceled twice. As a matter of fact someone coming out this week to re inspect the property for another policy because they wasn't sending her monthly billing statements 😒

1 year ago

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enelson3903 Bowie, MD

I have a=had state farm for several years and they are very slow to respond. I had a roof problem from the wind, and they didn't do a good job on the assignment of the damage. They were looking for the cheapest way to evaluate the damage and didn't respond in a timely manner.

1 year ago

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PolyanaL Salt Lake City, UT

I will not go back to State farm, I was with them for several years until i got into a car wreck and they spiked up my premium how ever the accident wasnt my fault. Ever since then, when ever i call customer service, they dont value me as a client

5 years ago

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Gumby Rowland Heights, CA

I have never been a big fan of State Farm. I have received quotes from them a couple of times and they always came in on the high side.

7 months ago

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Stephanie Flood IL

Hat State Farm for years. They failed to hold up to the standard I felt I needed. Horrible when it came to customer service and horrible when it came to resolving issues in a timely manner

1 year ago

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Janice M San Jose, CA

They cancelled my policy after I made a claim. This happened more than once over a couple decades. Subsequent to the cancellations, they wanted me back as a customer. No thanks. I went with Amica -- check them out.

1 year ago

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HARRY J THOMAS

lacking in helpfulness and the agent is not as knowledgeable as he needs to be

3 months ago

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Tara Murray Cleveland, OH

I haven't had a problem with them paying any claims but their customer service is lacking in many areas

6 months ago

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Bella Mee AL

What I liked best about the company is its multi discount of policies. However , what I did not like is the failure to meet the complete needs of my concerns .

1 year ago

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Excellent Plumber Service Jonesboro, GA

State Farm is great until you file a claim. They always find reasons not to honor homeowners insurance claims. I would not recommend them for HO insurance.

1 year ago

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Tamie Johnson Markham, IL

I like that they have started a drive safe and save program for discount’s on your policy. I don’t like that I put in a claim and had to call to find out the decision.

1 year ago

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Ricardo Ortiz Fredericksburg, VA

Used this in the past, started paying very little and then every renewal it start to go up and up.

8 months ago

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Margaret James LA

This insurance is expensive. I had to drop them and shop around for insurance that met my needs for a better value.

10 months ago

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Kris Mathison Heyburn, ID

I like state farm insurance, but I think the prices are a little too high. they should give discounts to good drivers monthly.

1 year ago

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Louise McCuen TX

I end up paying a different amount time I have a bill due. Annoying.

6 months ago

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JR Burress (Jay) Campbellsville, KY

It is hard to get a agent out to look at something that a storm has torn up

6 months ago

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Faith L MI

Too expensive for them to give me all the trouble that they did.

7 months ago

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Faith Marie Friedrich Chicago, IL

I had difficulty sending my check and them getting my check.

9 months ago

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Carmen hines Grand Rapids, MI

Used to be lowest and best prices for insurance. But seems to be higher now.

11 months ago

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CHRISTINE East Wenatchee, WA

Struggled to find appropriate insurance that was affordable

10 months ago

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ms ray Detroit, MI

Great customer service but expensive had to switch to different provider

1 year ago

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Brittany Norfolk, VA

Wish customer service was a little bit better in getting things done

1 year ago

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Megan Weidle Akron, OH

Easy to contact but they were more expensive than competitors

1 year ago

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James Lapeyre Bryan, TX

Expensive, but I've never had a complaint with their coverage or service.

1 year ago

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Brett Schiftner Fort Worth, TX

Very unhappy with claims service. The don't like to pay

1 year ago