• Cons
    Offers less discounts compared to other insurance providers.
  • Coverage Type
    Above the norm
  • Discounts Type
    Ordinary
  • Consumer Complaints
    In comparison to its size, State Farm received less than the predicted number of complaints for home insurance, as per three years of data from the National Association of Insurance Commissioners.
  • Digital Experience
    State Farm's website is user-friendly and intuitive, allowing you to request a quote or initiate a claim from the homepage. The 'find an agent' tool is also straightforward to use if you need to discuss an issue in person., A beneficial feature is the ability to quickly perform certain tasks, such as bill payments and enrollment in autopay, without needing to log in., The State Farm website contains a wealth of information for homeowners, although it might involve a bit of scrolling. The Simple Insights section offers detailed tips., State Farm also has a highly rated mobile app for viewing policy information, filing a claim, and making payments through various methods, including Apple Pay or Google Pay.
  • Discounts
    Consolidation of State Farm policies., Installation of home security systems, like burglar or smoke detectors., Usage of certain roofing materials, such as hail-resistant shingles., Inclusion of specific wind protection features in your home.
  • Falls Short
    Unavailable in California, Massachusetts and Rhode Island. State Farm currently does not offer new policies in these states., Discounts. Compared to other insurers, State Farm provides relatively limited discounts.
  • Contacting Customer Service
    For inquiries, you can contact a local State Farm agent, fill out an email form, use the company's chatbot, or call 800-782-8332.
  • Claim Filing
    You can file a State Farm claim online, via the mobile app or by calling 800-732-5246. You can monitor the claim's progress online or in the app. State Farm may pay you through direct deposit or check., Find out more about how to file a home insurance claim.
  • Not Covered
    Consolidation of policies from State Farm., Installation of home security systems like burglar or smoke alarms., Use of specific roofing materials, for instance, hail-resistant shingles., Inclusion of certain wind protection features in your home.
  • Optional Coverage
    Backup of sewer or drain coverage., Service line coverage for impaired underground utility lines., Coverage for malfunctioning home systems such as heating and cooling units., Compensation for specific costs related to building regulations or zoning laws., Protection against identity theft, cyber-attacks and cyber extortion., Earthquake coverage., Liability coverage for defamation, slander or other personal injury claims., Coverage to replace damaged energy appliances with more energy-efficient models., Coverage for homes rented out for more than 30 nights a year., Coverage if your home remains unoccupied for over 30 days., Incidental business coverage for home-based businesses., Coverage for your share of a loss affecting all members of a homeowners association.
  • NAIC Complaints
    Less than anticipated
  • Pros
    Website is easy to navigate., Agents provide customized service., Most policies include added coverage for your home’s structure.
  • Standar Coverage
    Dwelling. Covers the repair or reconstruction of your home structure., Other structures. Insures unattached structures like sheds or fences against damage., Personal property. Covers repair or replacement of personal items such as furniture or apparel., Loss of use. Covers additional living expenses such as hotel rooms or meals if your home is under repair due to a covered loss., Personal liability. Covers legal costs and damages if you are held liable for injury to others or damage to their property., Medical payments. Covers injuries incurred by visitors in your home, regardless of who's at fault.
  • Stands Out
    Abundance of coverage choices. State Farm allows policy customization to ensure sufficient coverage., Online interaction. State Farm maintains local agents nationwide, but those preferring minimal contact can manage payments, obtain quotes, and submit claims via the company’s website.
  • State Availability
    Alabama, Alaska, Arizona, Arkansas, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
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