State Farm
- User-friendly website.
- Agents offer personalized service.
- Policies generally include extra coverage for your home’s structure.
- Below average for claim satisfaction in a recent J.D. Power study.
- Not available in California, Massachusetts or Rhode Island.
About State Farm home insurance
State Farm homeowners insurance earned 4.7 stars out of 5 for overall performance.
Founded in 1922, State Farm is now the largest homeowners insurance company in the U.S. One area where the company shines is its generous coverage for the structure of your home. Some other insurers charge extra for extended replacement coverage, while State Farm generally includes this for free.
Based on these considerations, State Farm is among NerdWallet's Best Homeowners Insurance Companies for 2025.
What’s new with State Farm?
After the Los Angeles fires in early 2025, State Farm instituted an emergency rate hike on its policyholders in California. Rates went up an average of 17% for homeowners, part of an effort to restore the company’s financial stability after paying billions in fire claims. State Farm isn’t currently selling new homeowners policies in the state.
Get home insurance quotes in minutes
Answer a few questions to see custom quotes and find the right policy for you.Where State Farm home insurance stands out
User-friendly website. You can use the State Farm site to make payments, get quotes and file claims.
Local agents. Homeowners who want personalized assistance can work with a State Farm agent in their community.
Plenty of coverage options. You can customize a State Farm policy in a variety of ways to make sure you have the coverage you need.
Where State Farm home insurance falls short
Claims satisfaction. The company scored below average in J.D. Power’s 2025 U.S. Property Claims Satisfaction Study.
No availability in California, Massachusetts and Rhode Island. State Farm isn’t currently selling new policies in these states.
What State Farm home insurance covers
These types of home insurance coverage generally come standard:
- Dwelling
Dwelling coverage pays to repair or rebuild the structure of your home after a covered event. It also covers attached structures, such as porches.
Typical amount: Enough to rebuild your home.
- Other structures
Other structures coverage pays to repair or rebuild stand-alone structures on your property, such as a fence or shed.
Typical amount: 10% of dwelling coverage.
- Personal property
Personal property coverage pays to repair or replace stolen or damaged belongings. Personal property coverage comes in one of two options: actual cash value or replacement cost.
Typical amount: 50-70% of dwelling coverage.
- Loss of use
Loss of use coverage, sometimes known as additional living expenses coverage, helps pay temporary living expenses while your home is being repaired. This can cover hotel stays, home rentals and meals.
Typical amount: 20% of dwelling coverage.
- Personal liability
Personal liability coverage pays if you injure someone or cause property damage unintentionally or through neglect.
Typical amount: $100,000 to $500,000.
- Medical payments
Medical payments coverage pays to treat someone injured on your property, regardless of who’s at fault. It also pays if you, a family member or a pet injures someone away from your home.
Typical amount: $1,000 to $5,000.
For more details, see What Does Homeowners Insurance Cover?
State Farm also includes an "Increased Dwelling Limit," which automatically extends your dwelling coverage up to 20% above your chosen limit. As long as you've insured your home at least up to its estimated replacement cost, you won't pay anything to add this to your policy.
Say State Farm estimates that your home will cost $300,000 to rebuild, so that's how much dwelling coverage you've selected on your policy. If a disaster strikes your area and construction costs go up accordingly, State Farm could pay up to 20% more — or a total of $360,000 — to rebuild your home. Learn more about extended replacement cost coverage.
State Farm homeowners policies also generally include replacement cost coverage for your personal belongings. Having this type of coverage ensures that you can replace damaged or stolen items with brand-new ones.
Without replacement cost coverage, an insurance company would pay you the actual cash value of your destroyed or stolen stuff after a claim. So if a fire destroys your 15-year-old bedroom set, you’d get a payout based on what the furniture was worth at the time of the fire — not enough to buy a brand-new set.
Optional State Farm home insurance coverage
State Farm offers a long list of add-ons that may be available for an extra charge, including:
Water backup coverage in case a drain backs up or a sump pump fails.
Service line coverage for damaged underground utility lines.
Coverage for the breakdown of home systems, such as furnaces and air conditioning units.
Ordinance or law coverage to reimburse costs related to building codes or zoning laws.
Identity theft insurance to help recover from fraud, cyberattacks and cyber extortion.
Earthquake coverage for damage due to earth movement..
Personal injury coverage for libel, slander or other similar claims.
Energy-efficient upgrade coverage to replace a damaged water heater, air conditioner or heating unit with a more energy-efficient model.
Home rental coverage for homes that are rented out more than 30 nights a year.
Vacant home insurance for houses left unoccupied more than 30 days.
Incidental business coverage for people who work from home.
Coverage for your portion of a loss that affects all members of a homeowners association.
Before choosing any of these coverage options, read the fine print or ask your agent to talk you through the limitations and exclusions.
What’s not covered
Like most homeowners insurance companies, State Farm won’t cover damage from flooding or earthquakes with its standard home insurance policy. You’ll need to buy separate coverage for these disasters.
Also not covered: mudslides, nuclear hazards, animal infestations, contamination, and wear and tear.
Most flood insurance in the U.S. is provided by the federally funded National Flood Insurance Program. However, private flood insurance may also be available to you. Learn how to find the best flood insurance.
Where State Farm home insurance is available
State Farm sells homeowners insurance to new policyholders in Washington, D.C., and every state except California, Massachusetts and Rhode Island.
Availability may change at any time. Coverage may not be available to all homeowners in a given state.
- Find the best homeowners insurance in your state
State Farm home insurance rates
NerdWallet compared State Farm's average annual rates for homeowners insurance to those of several major competitors in ZIP codes across the U.S. State Farm’s average annual rate was $2,185, slightly above the national average of $2,110 per year. Below are average rates for a few other major U.S. insurers.
Company | Average annual rate |
|---|---|
$2,055 | |
$2,170 | |
$2,185 | |
$2,380 | |
$2,600 | |
$2,610 | |
USAA* | $1,790 |
*USAA homeowners insurance is available only to active-duty military members, veterans and their families. | |
Our sample rates are for 40-year-old homeowners with good credit, a $1,000 deductible, $300,000 in dwelling coverage and $300,000 in liability insurance. Your own rates will be different.
Discounts
State Farm's homeowners insurance discounts vary by state. Depending on where you live, you might be able to save by:
Bundling policies from State Farm.
Installing home monitoring systems, such as burglar or smoke alarms.
Having a roof made of specific materials, like hail-resistant shingles.
Having certain wind or wildfire mitigation features on your home.
Going without filing a claim for three to five years.
Living less than 1,000 feet from a fire hydrant.
More Nerdy Perspective
When I got a homeowners quote from State Farm, I discovered I could save almost $1,000 a year by bundling my home and auto insurance. By combining this with other discounts for home safety features and being claims-free, I could slash the State Farm homeowners insurance premium by almost 42%.
Consumer satisfaction
Complaints: One strong sign of consumer satisfaction is how many people complain about their insurance company to state agencies. State Farm gets a middling score on this measure, drawing an average proportion of home insurance complaints compared to other U.S. insurers.
How we determined our complaint scores We analyzed three years' worth of complaint data from the National Association of Insurance Commissioners. When comparing insurers, we accounted for company size and total premiums.
Third-party ratings: State Farm scored below average in J.D. Power’s most recent Property Claims Satisfaction Study. However, it came in above average for overall customer satisfaction in the most recent Home Insurance Study.
- What Reddit users say about State Farm
Reddit is an online forum where users share their thoughts in “threads” on various topics. The popular site includes plenty of discussion on financial subjects like homeowners insurance, so we sifted through Reddit forums to get a pulse check on how users feel about insurers. People post anonymously, so we cannot confirm their individual experiences or circumstances.
The comments about State Farm on Reddit are mixed, with some users complaining about claim processing issues or policy non-renewals. Several Redditors reported that their home insurance premiums have gone up, though others noted that this is happening across the industry and isn’t specific to State Farm. Other commenters said State Farm actually offered cheaper rates than their previous insurers.
Get home insurance quotes in minutes
Answer a few questions to see custom quotes and find the right policy for you.How to file a claim with State Farm
You can file a State Farm claim online, on the mobile app or by calling 800-732-5246. Once the claim is in progress, you can track it online or in the app. State Farm may pay you via direct deposit or check.
Here are some key things to remember when filing a home insurance claim:
Document the damage. Take photos and create an inventory of damaged items. Provide details like labels and model numbers if possible, especially for more expensive items. Once you've documented the damage, you can make temporary repairs if it's safe to do so.
File your claim as soon as possible. This is especially important if the damage was caused by a storm, as it likely means other homes in the area were also affected.
Save your receipts. You may end up spending money on temporary repairs or living expenses before getting a payment from your insurance company. Keep all receipts so you can submit them for reimbursement later.
For more information, see how to file a home insurance claim.
How to contact State Farm customer service
Phone: You can contact your local State Farm agent or call 800-782-8332.
Email: From the company’s main contact page, you can click “leave a comment” to fill out an email form.
Chatbot: The company’s virtual assistant can answer basic questions.
Online tools
Website: State Farm's website is intuitive and user-friendly, allowing you to get a quote or file a claim online right from the homepage. The company's "find an agent" tool is equally easy to use if you need to talk through an issue with a live person.
One nice feature is the ability to quickly access certain tasks — including paying your bill and enrolling in autopay — without having to log in with a password.
Mobile app: State Farm has a highly rated mobile app that you can use to view policy information and file claims. You can also make payments in a variety of ways, including with Apple Pay or Google Pay.
State Farm home insurance vs. competitors
State Farm home insurance vs. Allstate
Although State Farm and Allstate have a lot in common, there are key differences between them. Check out Allstate vs. State Farm Home Insurance to learn more.
State Farm home insurance vs. USAA
The biggest differences between State Farm and USAA home insurance are:
Availability. While State Farm policies are open to the general public, USAA sells home insurance only to active military, veterans and their families.
Military perks. USAA's policies include unique features that appeal to its clientele. For example, they cover military uniforms without a deductible.
Learn more with our USAA home insurance review.
State Farm home insurance vs. Progressive
The main differences between State Farm and Progressive home insurance are:
Business structure. State Farm sells its own policies, while Progressive works with third parties.
When you shop for a policy on the State Farm site or through an agent, you'll get a quote for a State Farm policy — but when you shop with Progressive, you may be able to choose between quotes from multiple companies.
Claims. State Farm offers a variety of ways to file home insurance claims. With Progressive, your options depend on which company issued your policy.
Check out our Progressive home insurance review to learn more.
Other home insurance companies to consider
Not ready to make a decision? You may be interested in these other homeowners insurance companies:
- See all NerdWallet home insurance reviews
How we rate homeowners insurance
NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.
In our research, we analyzed:
More than 270 million homeowners insurance rates.
More than 100 insurance companies.
Nearly 200 homeowner profiles.
View our complete homeowners insurance rating methodology.
Frequently asked questions
What other insurance does State Farm offer?
What other insurance does State Farm offer?
State Farm sells a wide range of policies, including car, umbrella, life, renters, boat, business and other insurance.
For more information, read NerdWallet’s take on other State Farm products:
Does State Farm insure homes with pit bulls?
Does State Farm insure homes with pit bulls?
State Farm doesn't have restrictions on which dog breeds it will insure. Instead, it looks at each individual dog’s bite history to determine coverage. Learn more about dog bites and homeowners insurance.
Does State Farm insure mobile homes?
Does State Farm insure mobile homes?
Yes, State Farm offers manufactured home insurance that covers the building structure, your belongings and personal liability. To learn more about your options, see NerdWallet’s guide to mobile home insurance.
Does State Farm home insurance cover flood or water damage?
Does State Farm home insurance cover flood or water damage?
A standard State Farm homeowners policy will usually cover certain types of water damage, such as a burst pipe, sudden leak or ice dam. If you’ve added water backup coverage to your policy, it will also pay for damage from backed-up drains or sewers. However, claims due to flooding, tidal waters, tsunamis and overflowing bodies of water are typically not covered.
Will State Farm drop you for filing too many claims?
Will State Farm drop you for filing too many claims?
Any insurance company, including State Farm, may choose not to renew your policy for a variety of reasons. If you’ve filed more than one claim in a short period of time, an insurer may consider you a high-risk customer and decide not to renew your policy. Learn what to do if your insurer drops you.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.J.D. Power. 2025 U.S. Property Claims Satisfaction Study. Accessed Sep 8, 2025.
- 2.J.D. Power. 2024 U.S. Home Insurance Study. Accessed Sep 8, 2025.
Star rating methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverage, discounts, claims process and website functionality. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews or star ratings.
Here’s how we weighted each category to come up with our list of the best home insurance companies:
Consumer experience (40%).
Financial strength (30%).
Coverage (25%).
Discounts (5%).
Read our full home insurance ratings methodology for more details.
Homeowners insurance rates methodology
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in the 25 largest cities in each U.S. state by population. All rates are rounded to the nearest $5.
Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:
$300,000 in dwelling coverage.
$30,000 in other structures coverage.
$150,000 in personal property coverage.
$60,000 in loss of use coverage.
$300,000 in liability coverage.
$1,000 in medical payments coverage.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
In states where credit is a rating factor, we changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period.
NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
