State Farm homeowners insurance review 2025

As the largest homeowners insurance company in the U.S., State Farm is able to offer reasonable rates, exceptional customer service and access to an army of over 18,000 agents, both in person and virtually.

We like that State Farm includes lots of customization, with endorsements covering sewer backup, service lines, home systems breakdowns and separate coverage for earthquakes. Extended replacement coverage can be added to your policy and, if your property is damaged in a covered loss, State Farm's Premier Service Program can help you find top contractors.

But State Farm has fewer discounts than many competitors and you may need to work with an agent to find out about endorsements not listed online. In addition, the brand is not approving new policies in Rhode Island, Massachusetts or California.

State Farm issues homeowners insurance in all states except Massachusetts, Rhode Island and California.

Basic coverage

A standard State Farm policy includes four types of coverage:

• Dwelling coverage: Pays to rebuild or repair your home's physical structure and any permanent fixtures, appliances or attached structures.
• Personal property coverage: Pays to repair or replace items inside your house.
• Liability coverage: Financial protection if you’re at fault for an injury or damage to someone’s property that occurs in your home.
• Additional living expenses: Pays for food, housing and other costs if you have to relocate while your home is being repaired.

Riders and endorsements

State Farm offers several riders and endorsements to customize your policy:

• Replacement cost coverage: This coverage pays to repair or replace items at their market value rather than actual cash value.
• Valuable possessions rider: Can help cover jewelry, collectibles or art.
• Backup of sewer or drain: Covers your home and property after a sewer or sump pump backup.

You can also get separate State Farm policies for flood insurance, earthquake insurance and umbrella insurance.  

State Farm has several discounts to help you save. Not all discounts are available everywhere and some may not be combined.

• Bundling: Save up to 17% if you get both home and auto insurance from State Farm
• Claims free: You may qualify for a rate reduction if you haven't filed a claim in the last three to five years.
• Home alert: Installing smoke detectors or burglar alarms could lower your premium.
• Utility rating plans: A discount for having a qualified contractor update your home's utilities.
• Impact-resistant roof: Having an impact-resistant roofing material could lower your premium.
• Automatic sprinkler: Available if your home has indoor automatic fire sprinklers.
• Wind mitigation: Florida homeowners who meet certain construction standards could get a discount.
• Wildfire mitigation: Communities or properties in California that have taken steps to guard against wildfires could get a discount.

State Farm has relatively good standing in terms of customer service: It ranked about average for customer satisfaction in both J.D. Power's 2024 U.S. Home Insurance Study and claims process survey.

The company receives the average number of complaints about homeowners insurance for a provider its size, according to the National Association of Insurance Commissioners.

Online quotes are available in many states and claims can be filed on the mobile app or website. You may need to speak to a State Farm agent to get the full lowdown on policy options, some of which are not listed online.

State Farm Customer Care representatives are available at 800-782-8332, Monday through Friday from 7 a.m. to midnight ET and on weekends and holidays from 9 a.m. to 9 p.m. There is also a virtual chatbot to answer common questions.

You can file a claim 24 hours a day at 800-732-5246. Have your policy number handy, as well as pictures of the damage and contact info for any witnesses. 

You can speak with your State Farm agents virtually using the Good Neighbor Connect online platform. 

State Farm is the largest property and casualty insurance company in the U.S. by market share. It provides many types of coverage, including:

• Condo insurance 
• Renters insurance
• Auto insurance
• Life insurance
• Motorcycle insurance
• Business insurance
• Pet insurance

Customers who bundle auto and home insurance can earn up to 17% off, earning State Farm a spot on our list of top insurers for bundling.

Here’s how State Farm stacks up against two major players in the home insurance space.

State Farm and Nationwide are both priced below the national average for homeowners insurance. While Nationwide is slightly cheaper, State Farm has more discounts and is available in 48 states compared to 47 with Nationwide.

The companies are also closely matched for customer service, though Nationwide scored just slightly higher on J.D. Power's claims satisfaction survey.

State Farm does have a few endorsements Nationwide lacks, including sewer backup and service line coverage to replace damaged utility lines running into your property. It also offers flood and earthquake insurance.

State Farm vs. Farmers

State Farm comes out on top of Farmers in several areas, including price. Farmers has many more discounts, however, which could lower your base premium considerably.

State Farm also stands out for customer service: It ranked above average for customer satisfaction with both homeowners insurance and the claims process. (Farmers landed below average in both categories.) Farmers also had about twice as many complaints about homeowners insurance as expected, according to NAIC data.

Rate quotes for State Farm homeowners insurance are available online in most states. You can also buy a policy on the website, over the phone or with one of more than 18,000 agents.

To get a quote, you'll need to provide information about the house, including its location, age, purchase date and the distance to the nearest fire station. You'll also need to share details about yourself, including your credit score and claims history over the past five years.

State Farm is a great option if you value convenience: It has an easy-to-use website for filing claims and 24/7 customer service is available by phone and online. (State Farm is also top rated for customer satisfaction with homeowners insurance by J.D. Power

While State Farm doesn't have many discounts, its rates are very competitive and there is a healthy rate reduction for bundling: You can save up to 17% if you buy both home and auto insurance from State Farm.

New policies aren't available in Massachusetts or Rhode Island, however, and in May 2023, State Farm announced that it would no longer issue homeowners insurance policies in California, citing rising construction costs, a growing number of natural disasters and "a challenging reinsurance market."

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of insurance products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

CNBC Select reviews homeowners insurance products using a variety of criteria, including coverage options, availability, rates, riders, discounts and customer satisfaction. 

In addition, we incorporate results from the National Association of Insurance Commissioners' complaint index, Better Business Bureau ratings, A.M. Best's financial strength scores and J.D. Power surveys on homeowners insurance and the property claims process.

Homeowners insurance rates may come from various sources, including the provider and state insurance departments.

Catch up on CNBC Select's in-depth coverage of credit cards, banking and money, and follow us on TikTok, Facebook, Instagram and Twitter to stay up to date.