State Farm Home Insurance Review

This insurer offers comprehensive homeowners coverage and personalized service through its agents.
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Written by Sarah Schlichter
Lead Writer
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Assigning Editor
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State Farm

4.5

NerdWallet rating 
Well-established insurer with a lengthy list of coverage options.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Fewer than expected

State Farm

4.5

NerdWallet rating 
Well-established insurer with a lengthy list of coverage options.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Fewer than expected

About State Farm home insurance

4.5

NerdWallet rating 

State Farm homeowners insurance earned 4.5 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 dwelling coverage. Some other insurers charge extra for extended replacement coverage, while State Farm generally includes this for free.

What’s new with State Farm?

State Farm recently announced it won’t be renewing about 30,000 property insurance policies in California, including homeowners policies. The decision is part of the company’s effort to reduce its risk in a state where some insurers have been losing money. State Farm has also slightly reduced its discount for California homeowners who harden their houses against wildfires.

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State availability

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.

Included coverage

You can customize your homeowners policy with numerous add-ons, but below are the types of coverage that generally come standard:

  • Dwelling. Pays to repair or rebuild the structure of your home.

  • Other structures. Covers damage to unattached structures such as sheds or fences.

  • Personal property. Pays to repair or replace personal belongings such as furniture or clothing.

  • Loss of use. Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.

  • Personal liability. Covers legal expenses and damages if you're responsible for injuries to other people or their property.

  • Medical payments. Covers injuries to guests in your home, regardless of fault.

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 $250,000 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 $300,000 — 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 replacements.

Did you know...

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 coverage

State Farm offers a long list of other add-ons that may be available for an extra charge:

  • Backup of sewer or drain coverage.

  • Identity fraud, cyberattacks and cyber extortion coverage.

  • Liability coverage for those providing in-home child or adult care, or for those working as nurses.

  • Coverage for structures located outside the premises of your home.

  • Home rental coverage for homes that are rented out more than 30 nights a year.

  • Liability coverage for libel, slander or other personal injury claims.

  • Service line coverage for damaged underground utility lines.

  • Coverage to replace a damaged water heater, air conditioner or heating unit with a more energy-efficient model.

  • Coverage for vandalism or broken glass if your home is left vacant more than 30 days.

  • Reimbursement for certain costs related to building codes or zoning laws.

  • Coverage for the breakdown of home systems, such as furnaces and air conditioning units.

  • Incidental business coverage for people who work from home.

  • Coverage for your portion of a loss that affects all members of a homeowners association.

  • Liability coverage for damage to other people's property due to a waterbed.

  • Coverage for damage due to leaks or seeping water from various household systems or appliances.

  • Dwelling foundation coverage for settling, cracking or other damage from certain causes.

Before choosing any of these coverage options, read the fine print or ask your agent to talk you through any limitations and exclusions.

What’s not included

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.

Did you know...

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.

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 $1,935, slightly above the national average of $1,915 per year. Below are average rates for a few other major U.S. insurers.

Company

Average annual rate

$1,815

$1,935

$2,010

$2,205

$2,270

$2,415

$1,875

*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 has a limited lineup of homeowners discounts, and they vary by state. Depending on where you live, you might be able to apply these discounts to your policy:

  • Multiple line discount for bundling policies from State Farm.

  • Protective device discount for installing home monitoring systems, such as burglar or smoke alarms.

  • Discount if your roof is made of specific impact-resistant materials, like Class 4 shingles.

  • Discount if your home has certain wind mitigation features.

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Consumer complaints

State Farm had fewer than the expected number of complaints to state regulators relative to its size for home insurance, according to three years' worth of data from the National Association of Insurance Commissioners.

How to file a claim

You can file a State Farm claim online, on the mobile app or by calling 800-SF-CLAIM. Once the claim is in progress, you can track it online or in the app. State Farm will pay you via direct deposit or check.

Digital experience

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, enrolling in autopay and getting your ID cards — without having to log in with a password.

There's plenty of useful information for homeowners on the State Farm site, though it sometimes takes a little scrolling to find. Keep an eye out for the Simple Insights section of the site for in-depth tips.

State Farm also has a highly rated mobile app that you can use to view policy information, file a claim and make payments in a variety of ways, including with Apple Pay or Google Pay. If you use State Farm's investing services, you can also access those on the app.

How to contact customer service

Got questions? You can reach out to a local State Farm agent, fill out an email form, use the company's chatbot or call 800-782-8332.

The bottom line

Its combination of plentiful coverage options and widespread availability makes State Farm a solid choice for most homeowners. Those who appreciate personal service can connect with a local agent, while those who prefer less interaction can buy a policy and carry out most other tasks on State Farm's website.

However, the company isn't currently selling new homeowners policies in California, Massachusetts or Rhode Island.

State Farm vs. competitors

State Farm vs. Allstate home insurance

Although State Farm and Allstate have a lot in common, there are key differences between them when it comes to how they cover the structure of your home and how many consumer complaints each company draws. Check out Allstate vs. State Farm Home Insurance to learn more.

Current Product

State Farm Homeowners Insurance
Allstate Homeowners Insurance
NerdWallet rating 

4.5

/5
NerdWallet rating 

4.0

/5

Complaints to NAIC 

Fewer than expected

Complaints to NAIC 

More than expected

Coverage 

More than average

Coverage 

About average

Discounts 

Average set of discounts

Discounts 

Great set of discounts

Bottom line 

Well-established insurer with a lengthy list of coverage options.

Bottom line 

Widely available across the U.S. with lots of ways to customize your policy, but receives more complaints than expected.


State Farm vs. USAA home insurance

The biggest difference between State Farm and USAA home insurance is who can buy it. While just about anyone can get a State Farm policy, USAA sells home insurance only to active military, veterans and their families.

USAA's policies include unique perks that appeal to its clientele. For example, it covers military uniforms without a deductible and pays for personal belongings damaged in an act of war. But it also includes coverage that benefits all homeowners, such as replacement cost coverage for personal property. That means if your stuff is stolen or destroyed, USAA will pay enough to buy brand-new replacements. This coverage is also available from State Farm, but it may cost extra.

Learn more with our USAA home insurance review.

Current Product

State Farm Homeowners Insurance
USAA Home Insurance
NerdWallet rating 

4.5

/5
NerdWallet rating 

5.0

/5

Complaints to NAIC 

Fewer than expected

Complaints to NAIC 

Far fewer than expected

Coverage 

More than average

Coverage 

About average

Discounts 

Average set of discounts

Discounts 

Average set of discounts

Bottom line 

Well-established insurer with a lengthy list of coverage options.

Bottom line 

Offers perks and affordable rates for the military community.


State Farm vs. Progressive home insurance

The main difference between State Farm and Progressive home insurance is that 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.

Both State Farm and Progressive offer discounts when you bundle more than one policy (such as homeowners and auto).

Check out our Progressive home insurance review to learn more.

Current Product

State Farm Homeowners Insurance
Progressive Home Insurance
NerdWallet rating 

4.5

/5

Complaints to NAIC 

Fewer than expected

Complaints to NAIC 

No data

Coverage 

More than average

Coverage 

No data

Discounts 

Average set of discounts

Discounts 

No data

Bottom line 

Well-established insurer with a lengthy list of coverage options.

Bottom line 

Best for Progressive auto customers looking to bundle their policies.


Other home insurance companies to consider

Not ready to make a decision? You may be interested in these other homeowners insurance companies:

Why you can trust NerdWallet

NerdWallet analyzed millions of data points and hundreds of insurers to find the best homeowners insurance companies. Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage.
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Methodology

Homeowners insurance star ratings 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 and online experience. 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.

Here’s how we weighted each category to come up with our list of the best home insurance companies:

  • Consumer complaints (30%).

  • Financial strength (30%).

  • Coverage (20%).

  • Consumer experience (10%).

  • Discounts (10%).

Read our full ratings methodology for home insurance.

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2020-2022. To assess how insurers compare to 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.

Homeowners insurance rates methodology

NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in every ZIP code across the U.S. 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.

These are sample rates generated through Quadrant Information Services. Your own rates will be different.

In This Review . . .