State Farm vs Farmers

Whatever kind of home insurance you need, you're likely to find it at State Farm or Farmers. Whether you're covering a house, condo, or manufactured home, you'll find good options through either company.

From its website, State Farm makes the coverage it offers clear by offering examples of instances and things its policies cover and ones it does not. This early level of clarity prevents surprises and helps establish trust from the beginning.

Farmers home policies are categorized into three tiers, each offering a different level of coverage. This way of organizing policy options, makes it easier to balance coverage and cost.

Farmers also distinguishes itself from State Farm through its policy features that help policyholders save money. These features include Declining Deductibles®, a claims-free discount, claim forgiveness, and cosmetic damage coverage if related to covered structural damage. You can also add Farmers Identity Shield (SM) for identity theft and credit monitoring services. Farmers also offers a discount for buying multiple policies from the company.

Although State Farm's policies don't have the same features Farmers's policies do, it does offer discounts. These include a multi-line discount, home alert protection, and a roofing discount.

Farmers stands out further for its partnership with ADT. Farmers policyholders can benefit from discounts on certain ADT packages that will help protect their home.

Farmers is a good choice if you're looking for handy policy features and are considering a home security system. However, if you're interested in something more traditional, State Farm is a competitive choice.