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

4.2

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432 Reviews

Review Breakdown

5 grade

66%

4 grade

18%

3 grade

2 grade

1 grade

Sentiment Criteria

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Quality

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June

State Farm home insurance is a great company. When a hurricane destroyed my roof on my home, I notified State Farm and an agent came to my home to take pictures. Immediately we were approved to get a new roof put on my home.

1 month ago

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Jeff

All insurance companies are the same. There are no good or bad companies. Insurance should not go up for loyal customers that have been with a company for several years and have no claims. State Farm raised my homeowners insurance $800 from one year to the next.

5 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.

1 year 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!

3 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.

6 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.

7 years ago

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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.

10 months 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.

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.

2 years 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.

2 years ago

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Adam Scondo

I have had State Farm insurance for 51 years. I have never had anything but the best of customer service. There is always a person to talk to when needed.

5 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.

1 year 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!

2 years 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.

7 years ago

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Stephanie Bloniarz

We love State Farm, especially our agent, Jennifer Griffin, in Cottonwod, AZ. We have had SF for our family for many years - and have had a handful of claims, which were handled seamlessly. I appreciate the wonderful customer service I receive over and over. I'm always referring my friends and family.

9 months 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.

1 year 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.

1 year 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.

1 year 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,

1 year 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.

1 year 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.

1 year 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.

1 year 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!

1 year 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.

2 years 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!

2 years ago

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Nam

I have had State Farm Insurance for over 6 years, and they have always been great. They have decent prices and offer great coverage. Prices are skyrocketing right now but at least I have a peace of mind if anything ever goes wrong. I have had other insurances in the past but because of the service quality, I think I'll be using State Farm for the next decade.

2 years ago

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Steven Whites Salt Lake City, UT

This company has always given me the best rates for the most accommodations. If I ever need any assistance I simply give them a call or email and within the day usually they return my call or email. They are great at communicating and will get you the assistance you need pretty quick. I've had them for a few years now and will not switch providers, because they have been awesome! Nothing negative to say about this company when it comes to home insurance.

2 years ago

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DealStar South Jordan, UT

We GOT LUCKY with our awesome State Farm agent! She's by far the best insurance agent a customer could ever have for keeping us insured without being over-insured. State Farm has been a personal preference for several decades. Sure, there was a slight detour when we moved to a different state and went with a different company, but we always come back to State Farm. Rates, coverage, and well-informed agents make State Farm the ONLY REASONABLE CHOICE for INSURANCE. And yes, we "bundle"!

2 years ago

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Brenda Anderson TX

State Farm is a wonderful company to have insurance with. Guy will pay your climb with no hassle and take care of your needs. That replace my roof after a health storm that cost $9000.00. They also replaced broken windows from the same hail storm. All I had to pay was my deductible. They were kind and polite and made me feel like they really cared about me as a person. My nerves were shot but when they took care of my problem nerves were fine again!!! You can’t go wrong with State Farm!!!

2 years ago

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Doc B Decatur, GA

All about the local agent and their staff, I retained coverage for 15 years until I moved simply because of the customer service I received from the local agency. Not always the lowest but very competitive and when I needed an explanation or claim assistance the local agent was there for me. Like a good neighbor is what I received. Claims for storm damage were timely and swift. Had entire roof replaced and on another occasion interior water damage, both were handled to my satisfaction. I recommend their bundle if you need it.

2 years ago

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RONALD WHITE Phoenix, AZ

Interestingly, we just went back to State Farm Homeowners Insurance after a 40 year hiatus. The agent we went through has been most professional yet personable. Our annual rate was $350 less than with the company we had been using for 10+ years with all the same comparable coverages & same deductibles. I highly recommend State Farm Insurance for at least a quote versus your existing insurance company.

2 years ago

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Robert Rootes Bestselling Author Fredericksburg, VA

While my son is in college I take care of his renter's insurance. I looked around for the best deals with comprehensive coverage. State Farm had the best rates and was willing to work with me regarding transferring insurance coverage from one apartment to another. Renter's insurance is very important coverage to have, even if you're not a homeowner. State Farm does what I needed to make sure I can keep my son safe even when he's not so close to me.

2 years ago

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Erinmarie Xian Brandon, FL

This was the first insurance company I got on my own after my first mortgage. I was very familiar with State Farm from my parents using them so I was very comfortable having them write up a policy. The fact that they have branches pretty much everywhere makes a very assessable and their reputation is very good. The pricing seemed to be legit. Luckily I never had to file a claim so I can’t speak to that part but the easiness of changing things to meet my needs was great.

2 years ago

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Basil48 Clifton, NJ

Over the past 2 years we have had exceptional service both from our local agent Will Rogers, & from the Home Offices. Will personally took care of the repair process for our broken windshield, which was repaired post haste. More recently we had an accident with our 2021 Toyota Camry & representatives from Home Office were in constant contact with us. Assuring us that all matters were being tended to and on schedule. Unfortunately, for all, the vehicle was "totaled," and State Farm reps went over the entire process in full-detail and to our total satisfaction

2 years ago

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Melanie Sanders Cumming, GA

I love my State Farm agents and my coverage for my home and autos. I have been a customer for 30+ years. I always feel supported and that they have my back when something happens. I also am able to adjust my coverage as my home or family status has changed. I have had a couple of homeowners claims, and State Farm has provided great service and support. I am pleased.

2 years ago

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Sarah Berks Atlanta, GA

I was with State Farm Insurance for two years, and I was always pleased with the service and treatment for myself and my family. Unfortunately, we have recently changed insurance for other reasons. I have absolutely no hesitation in wholeheartedly endorsing State Farm for all your insurance needs. If ever I get the opportunity to go back to State Farm, I would do so in a heartbeat. Thank you State Farm.

2 years ago

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cathy beasley Livingston, TN

State farm is relatively on the high side of pricing however you get what you pay for . That is my belief . They have alot to offer and customer service is great . I was in a wreck and they took care of everything and I was stress free . All I had to do was pick up the check where my car was totaled and find me another vehicle. And the check was alot more then I expected by far. Great choice for insurance . Not only vehicle but I had life, home and other coverages. I had no problems with claims going thru on my homeowner's insurance with them also . I had a tree to fall doing damage to the roof and gutters. It took state farm no time after I submitted the claim to get it fixed.

2 years ago Edited August 3, 2022

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Kermit Davidson San Jose, CA

I've been with State Farm for over 20 yrs. and during that time I've checked other company's for better rates, and nobody can even come close to their rates. My wife was rear ended in the Starbucks drive thru, which just happened to be next to our State Farm agents office, and she came out and helped my wife gather the information needed. What's their slogan, "their when you need us"!

2 years ago

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Christina Sutu-Wallar Fresno, CA

I used Statefarm to bundle my home and car insurance. I liked that they offered me discounts for bundling insurances together, and I felt safe knowing that this huge company that has been around for decades would and could protect my biggest asset, my home. They were wonderful to work with, and I really liked having an agent that was local that I could build a relationship with but also a one 800 number I could turn to for more information when and if needed

2 years ago

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Karen Bach Mount Airy, GA

Have been a State Farm customer for more than 50 years. Top level and timely response every time for renters home-owners and vehicle coverage, even though using different agents in 5 cities of 2 different states. I understand that the premiums are not the cheapest, but after hearing complaints from friends and family regarding service from other companies, I maintain my stand that “You get what you pay for.”

2 years ago

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David Drake Shelbyville, IN

So far this is been a good company to me They are great they are competitive They are great they are competitive prices if you have any questions if they don't have the answer they will take time to find the answer to get to you the They are great they are competitive in prices if you have any questions if they don't have the answer they will take time to find the answer to get to you the lady that I work with is real nice friendly and courtesy and she returned your phone calls when she says she will Thank you guys very much I greatly appreciate it

2 years ago

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Dougie D Harold, KY

State Farm gives you great rates. They do not do bias high risk area rate hikes like other insurance companies do. I switched to State Farm because my insurance provider did 2 major hikes in 3 months, not because I did something bad or wrong, it was high risk area. I didnt like being scammed by other big brand companies. State Farm was friendly, helpful on setting up my plan, had lower rates and based it upon me and my history!

2 years ago

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Whimsigal48 Oklahoma City, OK

I chose State Farm because the company I had been using went crazy on my rates for car insurance! Of course I got home owners with the same company. One winter my overhead pipe broke in my bathroom. It was a flood until a friend found the cut off valve for me. My agent had someone to me in less than 24 hours. The pipe got fixed, there were huge drying fans put in place and I got replacement price for a ruined cabinet. I've been with them about eleven years now.

2 years ago

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Angie L Hanzel Saratoga Springs, UT

I have been with State Farm for over 10 years. They have been amazing to work with. They check in with me once a year to review my policy and make sure I am getting the best rates possible. I am confidant if a problem came up they would handle my problem fairly and quickly. This past year I also wanted to shop around and make sure I was getting the best rate possible. After contacting several insurance companies, State Farm was by far the best out there for what they could offer. I have been extremely satisfied with their service and plan on keeping them for many more years to come.

6 years ago

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Joe. D

I am a licensed insurance agent until I moved to a new state. Yes I am learning the new state laws and policies but not one agent out of 4 so far has honestly treated me fairly or known enough to properly protect my insurance needs. After attempting several times to reach a regional or corporate agent support member I am now switching agencies for the first time since I started driving when I was 16 and will be 50 this year. Shame on State Farm for such subpar standards for its agents and the agents themselves for not knowing the very product they are suppose to be selling to their customers to protect them from perils not from the agents lack of knowledge or making sure the customers have the correct coverage. Make sure you always have replacement cost value insurance coverages and not depreciation. Any agent that sells you a depreciation policy is a criminal and has no interest in your best interest.

8 months ago

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Len Cabela

They help me to get the lowest rate for the amount of time using State Farm (15 years), multi-policy, multi-driver discount, safe driver discount, etc.

8 months 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.

11 months 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.

11 months ago