State Farm Home Insurance Reviews

In this article: Pros and Cons | At a Glance | Policy Coverage | Cost | Discounts | Customer Reviews | Conclusion | FAQs | Methodology

With a century of experience and an "Excellent" financial strength rating from AM Best, State Farm can reliably pay out claims. While it started as a car insurance company in 1922, State Farm now offers many insurance products, including property, life, disability, pet and personal liability insurance.

We at the Guides Home Team have analyzed and scored State Farm's homeowners insurance offerings based on coverages, add-ons, customer satisfaction, availability and more. Keep reading to see how it compares to our list of best homeowners insurance companies.

State Farm stands out for its financial strength, personal feel and online resources for new homeowners. It's easy to get an online quote in 15 minutes and to customize coverage options with local agents. State Farm also features a robust library of online resources to help policyholders understand their needs.

Several features stood out to our team as notable pros and cons of State Farm home insurance:

​​+ Fewer than average complaints to state insurance departments

​​+ Nationwide availability

​​+ Online library of educational resources

– Discounts limited in some states

– Online quotes unavailable in some states

Our rating: 4.81 out of 5

Year founded: 1922

J.D. Power rating: 8329 out of 1,000

AM Best rating: A*

State availability: 50

*AM Best rating is accurate as of October 2022.

Standard coverage from State Farm includes the following protections:

With State Farm, additional home insurance coverage options depend on where you live. Plus, some add-ons may be bundled into your standard policy for no additional fee. State Farm offered the following options when we inquired about coverage and requested an insurance quote.

Further endorsements may be available through your local agent. For our sample home in Charlotte, we could choose these options:

Americans pay a national average of $1,272 per year for homeowners insurance, according to the most recent insurance rates in a 2022 report published by the Insurance Information Institute (III).

That said, every home and homeowner is different, leading to varying insurance coverages and premiums across the country and even among neighbors. We obtained a quote for a home in Charlotte, North Carolina, for a single 30-year-old man with a clean insurance claim history. Our sample policy costs $1,306 per year, which is $203 more than North Carolina's average home insurance rates as reported by the III.

Here are some of the most significant factors that affect your State Farm insurance cost:

With so many risk factors impacting the cost of your home insurance policy, it's essential to get a customized quote from State Farm. In most states, you can do this online. Contact your local insurance agent for more information if online quotes are unavailable where you live.

State Farm offers a relatively standard set of homeowners insurance discounts, such as bundling policies, remaining claims-free and installing home security systems. While the options are great ways to save money on your premiums, it was disappointing not to see any novel offerings. Plus, discount availability, savings and eligibility vary by state.

Depending on your location, you could be eligible for the following:

After analyzing more than 100 State Farm homeowners insurance customer reviews, our team understood how the company holds up in the eyes of policyholders. We noticed several common threads across the positive and negative sentiments customers had.

Multiple reviewers praised State Farm for its personable and dependable agents and its quality customer service. Others pointed to difficulties getting State Farm to approve a roof replacement or repairs. State Farm didn't respond when we reached out for comment.

Here's what policyholders had to say about their experience with State Farm in reviews filed with the Better Business Bureau (BBB).

"Fair with my home damage claim. Able to replace my roof and siding from hail damage. Very time consuming though [the] process 2 months to complete but understand situations from storm. Adjuster treatment was excellent and personal. [The] adjuster was very fair in his estimate." — Chris C via BBB

"I changed insurance from state farm to Allstate. State farm was sent [an] authorized letter to cancel my [homeowners] insurance on June 1, 2022 but they canceled it on May 31st instead. Not happy. Now my mortgage company says I need to prove insurance for [the] day of May 31st, 2022. My new insurance from Allstate started on June 1st, 2022." — Lora T via BBB

"Have had my [homeowners] policy for 4 years and [an] auto policy for about 7 years. Never had a claim. I was informed by 2 different roofing companies that I need a new roof due to the wind/ hail storm this year. I was told by both companies that state farm almost never approves a roof and they [were] right. The contractors suggested switching to a different insurance company, think I will. Cheap rates but why have insurance if you can't use it. Feels like I’m throwing money away." — Ryan H via BBB

"Have had 3 roofing companies inspect our roof for hail damage. They all have found it obvious hits on shingles, soffit, gutters, chimney topper, etc. on both the house and our shed. The shed had shingles off as well. We have had 2 State Farm adjustors out to look at the damage, and both had questionable takes on the roof (How can obvious hail damage be classified as normal wear and tear?). State Farm has denied the claims of many in this area of Wisconsin from this hail storm whereas other insurers have been making good on their customers getting roof replaced. I am at the point where I can no longer trust State Farm to cover our home and cars. I will likely need to go through the process of finding a new insurer after this and my next step is to file with the state insurance commissioner and potentially finding legal representation. Our agent, Erik Hosking, has worked hard on this and is in no way at fault in this issue. I never had issues like this from my prior insurer, **** **** *******" — Matt M via BBB

If you’re shopping for homeowners insurance for the first time, State Farm is a great option. Its straightforward quote process takes just 15 minutes to complete, provides helpful explainers on coverage types along the way, and allows users to save quotes for later access. In addition, the provider's strong financial backing and positive consumer sentiment make it a top choice, even if you’re a seasoned homeowner.

However, we recommend comparing multiple quotes before purchasing a homeowners insurance policy. Lemonade, Allstate and Liberty Mutual are also worth looking into as top options based on our reviews.

The cost of a homeowners policy depends on many factors, such as the home's size, age and condition, and the policyholder's claims history and credit score. During our analysis, we found State Farm offers slightly above-average premiums for our sample home in North Carolina.

As one of the largest insurers in the United States, State Farm is a strong and stable provider. It also commands a good reputation with consumers and features a variety of beginner-friendly online tools that make the purchasing process quick and easy to understand.

Like any property insurer, State Farm considers your credit score when writing your policy. Of course, the worse your credit is, the higher your premiums will be. That said, it also offers a suite of banking and investment solutions that could help you turn around your bad credit.

Our team surveyed dozens of home insurance providers and created a scoring system to judge each company's quality and service. We reach out for sample quotes, both over the phone and on the internet, to simulate an authentic customer experience. Here are the factors that account for our provider reviews:

Companies with the best customer service exhibit 24/7 availability, educational resources on their website, useful digital tools and a seamless claims-filing process. Providers that offer extensive discount options, endorsements, customizable coverage options and unique features score significantly higher than those that don't, putting them toward the top of our recommendations to readers.

Ratings listed in this article are accurate as of October 2022.

AM Best disclaimer

Mike Miller is a writer with a decade of experience producing product and service content to help consumers make informed purchasing decisions. Mike has a bachelor's degree in creative advertising. In his spare time, Mike enjoys riding and fixing motorcycles, reading a good book and spending time with his wife and two cats.

Rebekah Young is an editor with a decade of experience in educational content and editing. Before joining the Guides Home Team to focus on home services content, she guided content strategy and edited in the insurance, venture capital, financial and health care fields. Rebekah has a bachelor's degree in communication and English.