Last Updated: 04/18/2025
SuperMoney User Recommendation Score +71
Strongly recommended31 total votes
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Highlights
Community Rating
Strongly recommended
Financial Strength Rating
A+(Verified 04/18/2025)
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State Farm Home Insurance Review
State Farm Home Insurance is an insurance carrier based in Bloomington, IL. The company was founded in 1922 and offers home insurance in 50 states (and Washington, DC).
State Farm Home Insurance FAQ
What is the financial strength rating of State Farm Home Insurance?
The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies. SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.
State Farm Home Insurance scores an A+ financial strength rating, SuperMoney's highest available rating.
What types of coverage does State Farm Home Insurance offer?
Home insurance includes a wide range of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. State Farm Home Insurance offers the following types of home insurance coverage:
Dwelling Coverage:
Also called "dwelling insurance." This is the part of your homeowner's insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home if it's damaged by a covered hazard.
Guest Medical Protection:
This helps visitors who are injured on your property. It can help cover the necessary medical expenses in an accident, regardless of who's at fault. Medical expenses covered usually include costs like ambulance rides, X-rays, surgical procedures, and hospital stays. Note that guest medical coverage doesn't apply to anyone who lives in the home or is listed on your policy.
Liability Coverage:
The personal liability coverage within your homeowner's policy offers coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.
Other Structures Coverage:
This covers structures on the residence premises separated from the dwelling by a clear space or connected to the dwelling by a fence, utility line, or related connection. Examples include a detached garage, tool shed, driveway, swimming pool, gazebo, or fence.
Personal Property Protection:
This insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them.
Reimbursed Living Expenses:
This coverage reimburses the insured for the cost of maintaining a comparable standard of living following a covered loss that exceeds the insured's normal expenses. For example, it could include an insured's motel bill while fire damage to the home is being repaired or replaced or until the insured moves to a permanent residence.
State Farm Home Insurance customers can also add the following riders or endorsements to their home insurance policies:
Earthquake Coverage:
This covers some of the losses and damage that earthquakes can cause to your home, belongings, and other buildings on your property.
Identity Theft Protection:
This rider protects homeowners in the event of identity fraud and pays for the cost of restoring their identity.
Valuable Items:
Valuable personal property coverage protects items such as expensive collections, engagement rings, watches, and other jewelry from theft, loss, or damage.
How can you save money on a State Farm Home Insurance home insurance policy?
When you ask for a quote with State Farm Home Insurance, make sure you ask for all the discounts you qualify for. These are the property-specific discounts currently available.
- Alarm System
- Recent Home Improvements / New Roof
- Home Monitoring System
- Smoke Detectors
Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with State Farm Home Insurance.
What additional benefits does State Farm Home Insurance offer?
State Farm Home Insurance offers the following benefits to its customers:
24/7 Phone Availability:
Customer service is staffed around the clock.
Local Agents:
Perfect for people who prefer the personal touch of a local insurance agent.
Digital Claims Reporting:
Never fax or mail a document again.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from our editor
What We Love About State Farm Home and Renters Insurance
State Farm is a huge insurer in the United States so it’s available everywhere in the country. Unlike some insurance providers, State Farm operates in every state so finding an agent is simple no matter where you are located. It also offers a comprehensive number of coverage options so customers can be sure their families, belongings, and homes are protected to the level that makes sense for them.
What Could State Farm Do Better?
State Farm isn’t always the least expensive option for renters and homeowners insurance, which may make it hard to justify using for some consumers. Also, some forms of coverage are only available for an additional fee. Other things, such as motor vehicles, businesses, and watercraft, aren’t covered under the home and renters insurance provided by State Farm at all.
State Farm Backstory
State Farm has a long history that starts in 1922 when it began life as an automobile insurance company. In the years following, the company has only grown in terms of size and service offerings. Starts in 2017, Start Farm is the largest property-casualty insurer in the United States. It has over 68,000 employees and ranked 33 on the 2017 Fortune 500 list.
Nowadays, the insurance provided by State Farm goes far beyond auto insurance. It offers comprehensive homeowners and renters insurance as well as a suite of other coverage options. Online quotes are provided to make it simple to get information on what a policy’s terms and rates are for an individual.
The Verdict
State Farm is a massive insurer available throughout the country, so many will find it meets their needs. However, it’s always intelligent to consider other options while deciding on an insurance provider. While some will get excellent rates from State Farm, others may find better opportunities with other providers.
We recommend considering State Farm when you shop for quotes, but you should do so in tandem with three to five other quotes from various companies. While the company is highly popular, you may find a better option for yourself somewhere else.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +71, or 4.4 on a 5-point rating scale.
+71
-1000+100
No one recommends
Everyone recommends
State Farm Home Insurance Community Reviews
Would you recommend State Farm Home Insurance to your friends?
NB
Nolan B.
Nov 29, 2022
May or may not recommend
It's a little pricy, but when I was with them, they were very responsive. We didn't have to use them that much, but they covered what they said they'd cover and were overall very reliable.
Della S.
Nov 25, 2022
May or may not recommend
Never had an issue with my home insurance. My agent is always helpful and easy to get ahold of. The rates are pretty reasonable and I've not had any issues with my claims. Would recommend
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
Their rates were competitive and the bundling made them even lower. My agent was knowledgable and even when I asked questions she wasn't sure how to answer her supervisor was readily available.
JA
Junaid A.
Nov 17, 2022
May or may not recommend
I've had State Farm for a long time and have never had a problem with them. Their customer service is fantastic, and they are quite attentive. They provide excellent package discounts and process claims efficiently. Their app is very simple to use and highly convenient; you can do anything you need from it without having to talk to anyone on the phone. I've already recommended it to friends who have recently ...Show More
Nicholas P.
Nov 16, 2022
May or may not recommend
State farm allows customers to get a bundle discount. Their grace period for paying insurance is a huge financial relief. I strongly recommend state farm to anyone in need of home insurance.
MJ
Molly J.
Oct 19, 2022
May or may not recommend
I've used State Farm for over 10 years now. The process has always been simple and quick no matter what I needed from them. I greatly appreciate the discount I receive for using them for my car and home. I've never felt like they were trying to take advantage of me or giving me the run-around like some insurance companies do. I'd definitely recommend them to others and plan on ...Show More
TH
Tamela H.
Sep 28, 2022
May or may not recommend
We have been with state farm for years, It's the only Insurance I trust for my home or vehicle. I have had to make a couple of claims in my lifetime and by far the best experience I have ever had has been with state farm. Their agents are super friendly and answer any questions I have. I have always felt I was treated fairly. I highly recommend State Farm ...Show More
MT
Megan T.
Aug 5, 2022
May or may not recommend
Being with State Farm started off as a positive experience but my rates kept increasing a lot. I ended up switching to a different provider.
AS
Aaron S.
Aug 1, 2022
May or may not recommend
We have had State Farm for quite a few years now. We have been extremely satisfied! We had one damage claim after a bad storm and the process to get our repairs done was very simple. No pushing back and forth like other insurance companies. Pricing has always been fair and they are constantly keeping us updated on new perks and benefits.
AB
Alexis B.
Jul 20, 2022
May or may not recommend
They tend to be the cheapest insurance, but it’s worth so much more. They are very good and quick with paying claims. They actually scored 892 out of 1,000 for their claims process, compared to the industry average of 880 out of 1,000. The customer service has been amazing too, they are always so nice and he’ll bent on finding you a solution.
CR
Customer R.
Apr 17, 2022
May or may not recommend
State Farm is one of the more premium insurance options, but it is not the most expensive. I switched from Geico insurance to State Farm and saved a good amount of money. They also have extra rewards and package specials each time you renew.
JL
Jamie L.
Feb 22, 2022
May or may not recommend
Their rates were competitive and the bundling made them even lower. My agent was knowledgable and even when I asked questions she wasn't sure how to answer her supervisor was readily available.
Karina V.
Feb 17, 2022
May or may not recommend
I've been a State Farm customer for 14 years and I've never had an issue with them. Their customer service is great and they're very empathetic. They have great bundle discounts and they file their claims quickly. Their app is easy to use as well and very convenient, you can do everything you need from it without talking to someone on the phone. I've recommended it to my friends who ...Show More
DC
Daniel C.
Feb 17, 2022
May or may not recommend
State Farm overall has been pretty good for me. The agent in my area hasn't been the best but that doesn't make them bad for me as a whole. We are happy with our policy.
FO
Folasayo O.
Jan 13, 2022
May or may not recommend
They are very reliable firms, well good to work with and they are policy is good to bear I like that.
what I dislike about them, they don't have a stellar reputation when it comes to pleasing every customer.
Des' M.
Jan 13, 2022
May or may not recommend
I love love state farm, they are like one of the best insurance companies in my opinion. The best thing about state farm is that you get your own personal agent, and if you have them for a long time they become like family. I love my state farm agent, I know that whenever I need to contact them I can and they will respond right away. State farm is ...Show More
JH
Jade H.
Jan 3, 2022
May or may not recommend
I have loved working with StateFarm for all of my home claims. They are always quick to respond and ensure that we are taken care of. They are not too expensive and they always answer all of our questions. They do check on us sometimes to ensure that our home is good and where we are at in life. This might just be the office that we ...Show More
BW
B W.
Sep 28, 2021
May or may not recommend
My family has been loyal customers of State Farm Insurance for a few years now. They are very knowledgeable about what they do and are always on the ball. Just within the last year, they helped me sort out getting a new roof for my home. I wasn't sure I would be able to do it, but they helped through each and every step. I highly recommend their services.
BK
Brandon K.
Aug 19, 2021
May or may not recommend
State Farm Home Insurance, offers excellent affordable rates, which are flexible with most budgets. They offer bundle packages as well, and some plans are customizable for the clients needs. Also, State Farm Home insurance has incredible customer service. Team members are typically friendly, helpful, and knowledgeable. I would highly recommend State Farm home insurance for any home owner or renter that needs insurance for their property to get State Farm.
Andrew H.
Aug 12, 2021
May or may not recommend
National brand with all of the resources of a large institution. Can be good, can be bad. Definitely a possibility of becoming a faceless number in the crowd, but you'll be covered.
Showing 20 of 31 reviews
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