State Farm Homeowners Insurance

State Farm Homeowners Insurance Reviews

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Overall Rating3.5 out of 5
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About State Farm Homeowners Insurance Reviews

State Farm Bank is an online financial institution that offers a variety of banking products and services. It’s a subsidiary of State Farm Mutual Automobile Insurance Company and is headquartered in Bloomington, Illinois. State Farm Bank offers checking and savings accounts, certificates of deposit (CDs) and credit cards — all through an alliance with U.S. Bank. It also offers personal loans through LightStream and home loans through Rocket Mortgage.

Pros & Cons


  • Network of agents
  • Reviews praise claims process
  • Several discounts available


  • Fairly high rates

Bottom Line

State Farm offers solid homeowners insurance coverage. Policies can be pricey, but we think the coverage and discounts seal the deal.

Featured Reviews

Deer Park, WA

We've been with State Farm for 43 years. Had two major storms go through one of our farms. One was a tornado which destroyed a new 44' X 88' shop... State Farm was there, inspecte...

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Inman, SC

My home burned down to the ground. We had the clothes on our backs our pet died and lost everything. State Farm was at the burn site the next morning with a 5000.00 check.. I wasn...

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How does State Farm homeowners insurance work?

You can only purchase State Farm homeowners insurance through its network of independent agents. Once you receive a quote, you can choose from three broad tiers of coverage: Essential, Expanded or Premium. You can select add-ons, including flood insurance or earthquake coverage. Once you purchase State Farm homeowners insurance, you’re covered if your home is damaged due to natural disaster, theft or other covered incidents.

What does State Farm homeowners insurance cover?

The standard State Farm homeowners insurance plan provides multiple benefits, including:

  • Dwelling coverage protects the overall structure of your home, including floors, countertops and built-in appliances.
  • Dwelling extension covers structures that are detached from your primary property.
  • Personal liability coverage helps pay for legal fees and medical bills if you’re held responsible for someone being injured on your property.
  • Medical payments coverage helps take care of medical expenses for a guest injured on your property.
  • Loss-of-use coverage handles the cost of a hotel and other necessary expenses if you need to find alternative housing while your home is undergoing repairs.
  • Personal property coverage reimburses you for damaged personal items.

State Farm also has add-ons for those who need extra coverage. Flooding and earthquake coverage are two of the most commonly used add-ons. State Farm add-ons include:

  • Flood insurance provides coverage for natural flooding, which isn’t provided under standard homeowners insurance.
  • Earthquake coverage is not provided on typical homeowners insurance policies but can be added for an additional cost.
  • Full replacement cost covers the actual cost to rebuild your entire home.
  • Home systems protection helps replace several types of home systems, including water filtration systems, air conditioning systems and power generators.
  • Off-premises structures coverage lets you add structures you own that aren’t located on your primary home’s property to your policy.
  • Personal injury liability coverage helps pay for legal costs if someone is injured at your home and the injured party sues you.
  • Sump pump and drain backup covers water damage caused by a faulty sump pump or drain backup.
  • Service lines coverage provides financial protection if underground lines that belong to you need repair or replacement.
  • Umbrella coverage is an extra layer of coverage that protects your assets in a lawsuit. This is a helpful add-on for those with high net worth.
  • Identity theft coverage helps you pay legal fees if your identity is stolen.
  • Energy-efficient upgrade coverage helps pay for the cost if an appliance breaks and you replace it with a more energy-efficient version.
  • Mold coverage helps cover the costs of mold removal.

State Farm home insurance cost

Most policies with State Farm cost between $1,500 a year and $3,000 a year. That comes out to between $125 and $250 a month. More valuable homes typically have annual premiums of $4,000 a year or more. Important factors that affect the cost of your State Farm homeowners insurance include the level of coverage, the value of your home and where you live.

The best way to get a price on homeowners insurance is to request a quote through the State Farm website or to speak to a State Farm agent.

State Farm homeowners insurance discounts

You can benefit from a variety of discounts with State Farm that keep your policy more affordable.

  • Multipolicy discount: Combine your homeowners insurance policy with your State Farm auto insurance policy to save up to 20%.
  • Home alarm discount: State Farm provides discounts if your home is protected with a smoke, fire or burglar alarm.
  • Roofing materials discount: Installing impact-resistant roofing earns you lower premiums with State Farm.
  • No-claim discount: The company provides discounts for those who haven’t made recent claims. You can qualify for this discount even if you’re switching from another company.

State Farm homeowners insurance FAQ

What does State Farm homeowners insurance not cover?

Standard insurance from State Farm doesn’t cover damage caused by floods or earthquakes. These are two of the most common add-ons people purchase for their homeowners insurance policies, depending on where they live. They’re both worth considering if you think this type of damage is possible. Whatever is not explicitly listed as covered in your policy is not covered.

Does State Farm homeowners insurance cover foundation repair?

It depends. If a natural flood damages your foundation, then foundation repair won’t be covered unless you have purchased flood coverage.

How does State Farm pay homeowners claims?

State Farm can make payments into your bank account, send them in the mail or pay the repairer directly.

Does State Farm homeowners insurance cover water damage?

It depends on the source of the water damage. If the damage comes from a leaking appliance, it’s typically covered. If the cause of damage is a natural flood, you’re only covered if you have a flood damage add-on.

Is State Farm home insurance good?

State Farm offers good coverage for homes. The prices can be a bit high, but the convenient network of agents and multiple available discounts sweeten the deal. Several customers praised the company’s representatives for acting like members of the family when disaster struck.

State Farm Homeowners Insurance Reviews

ConsumerAffairs has collected 1,076 reviews and 2,168 ratings.

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Page 1 Reviews 0 - 10
Claims Handling

Reviewed Sept. 1, 2023

My homes took a bad hit with winter storms. The back of the house collapsed. State Farm was informed in February, March the adjuster came and informed me an engineer needed to come. July engineer report was done. Engineer found code violations from construction 40 years previous state farm denied the claim yet their underwriter looked at the place before I bought it and found no violations. I had 2 strokes. Put 192,000 for the house. Very poor company. They fired all adjusters in Minnesota. My adjuster told me I was owed for a new roof on the house with the clear ice damage and they didn't pay that either. They paid the engineer nicely though.

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Customer ServiceClaims HandlingStaff

Reviewed Aug. 28, 2023

I would give a zero, Adjuster Eric ** did a somewhat inspection of my roof on 07/18/23 which I heard him tell my contractor that State Farm is not in favor of its customer when determining results of inspections. After two weeks, they claim a shingle is available to repair my roof when there are more than 15 shingles damaged from hail & roof needs to be replaced. They want to offer about $700 for repair & if not able to repair to send them proof so they can review but I have to pay $1500 deductible, my contractor has proven that roof is not repairable and needs to be replaced. When I asked Mr. ** about damage to my gutters also, he advised I would have to submit yet another claim for that which I would have to pay an additional deductible.

I called to have another inspection done with a different adjuster and was told I need to submit photos for them to review. Wait times on phone are ridiculous (over 40mins), never call back. Also damage to my gutter from adjuster placing ladder on. I have been a loyal customer for over 5+ years. My contractor submitted additional photos/video of more damage & failed repair. Now State Farm is asking for photos that show other damage to my roof, WTH! Like c’mon! How are they working with their customers?! They don’t even bring up me requesting a reinspection with a different adjuster!

Just spoke to adjuster Eric ** about proof sent in by my contractor of repair not possible of my roof. Mr. ** basically told me to go away and there is nothing that State Farm will do, when I asked for his manager's information he advised that he does not have that info and he doesn’t even know his manager's name. I tried calling my agent directly and got the same runaround, was told to basically get another contractor for State Farm to even consider anything else.

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    Customer ServiceClaims Handling

    Reviewed Aug. 21, 2023

    My house had a roof damage around 8/16/2023. Part of the ridge cap of roof was dislodged by high wind. A roofer came on 8/17/2023 and put a Tarp to prevent rainwater from entering. I submitted claim to State Farm on 8/17/2023. I then called State Farm on 8/18/2023 to get a schedule for an inspection. Nobody called back. I called again on 8/21/2023. I got hold of the assigned claim associate this time - who gave me an inspection date of 8/29/2023 (1 week later). Then this same associate called me back in a few minutes and said that my claim has been transferred to a second associate because his workload is too high! Then this second associate gave me an inspection date of 09/05/2023 (2 weeks down the line)!!

    I have been with STATE FARM home insurance for more than 20 years. I would like to know from the top management why they have so few associates who can inspect a claim of something as serious as roof damage - such that the initial inspection for damage assessment cannot be done within a few days? Getting very disappointed and disillusioned!

    Fred **

    Cary, NC

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    Customer Service

    Reviewed Aug. 18, 2023

    Mistakes different amounts every time we pay for the same exact thing. Rude customer service sucks. They can't even explain the charges to us, somebody needs to reevaluate Wil Rose office Decatur Al.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed July 23, 2023

    An old tree fell and damaged a 4 car garage of 3 family dwelling. The adjusters were 'busy' and it took them a month to finally set a date to arrive and make the assessment for the adjustment. Waited and waited. Nobody showed up. Ruined the day and for nothing. A call to State Farm was a joke. The person on the other end was surprised no one showed up but proved no information on how to contact the idiot that was supposed to show up but did not. The next day the idiot called and said he could schedule an appointment in about a month. **? He had the gall to not show up and then could only schedule a month later. So long State Farm. Your business practices suck and it is time to find a better insurance company.

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    Claims Handling

    Reviewed June 26, 2023

    Had a significant storm that was not yet documented by FEMA, but certainly documented by my security cameras inside and out. Significant roof damage to main house, trees snapped limbs and fell on my fence, garage door and north vinyl siding took the brunt of baseball sized hail that annihilated my home, broke two windows on the north side. Filed a claim. It took them 2 months to come out. I then get a letter that because the storm wasn't documented by FEMA, and I'm being dropped because I attempted to file a claim. I am stunned to say the least. Been a customer for 25 years, my business, my daughters and their homes, etc. Poor to say the least. To boot, the value to my home has been underinsured by $100,000. Beware. Calling my lawyer!

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    Customer ServiceCoverageStaff

    Reviewed June 1, 2023

    I have been a Customer of State Farm over 20 plus years. In all those years when I call my local agent for an issue they tell me whatever it is it isn't covered. I had a tree fall on my house. I needed help getting the tree removed and they told me they wouldn't cover if no obvious damage to the house. Except that the tree fell against my chimney in part and the branches ruined my gutters. I had a water main leak under my slab. They told me it wouldn't be covered as it was a maintenance item even though it was 6 ft below my concrete slab in a room in my home. Now it is covered under a rider for a separate fee.

    Two expensive go karts stolen from a trailer on my property. Of course not covered due to the trailer not being covered but, if they were in my garage they would be covered. The latest issue is hail damage and interior damage to a bedroom caused by a water leak from said hail damage. Because I put a sealer to prevent further damage to the interior of my home they claim it isn't covered due to no damage being noticed from hail. Except that all my neighbors' houses roofs were covered from the same storm. I received a letter stating there was no visible damage to my roof due to hail and yet I have pictures of damage and roof vents that look like a moonscape.

    Every call to State Farm is an experience in horror. Their adjustor told me that the tree damage should have been covered and the removal of the tree should have been covered. Then again, he told me there was no damage to my roof. He also suggested in his denial that he did not come into the home as I stated no damage occurred within the home and yet I had a public adjuster for myself and they were in my home with him when he inspected and measured the interior of the bedroom and the ceiling with noticeably obvious water damage and electrical damage due to the leak.

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    Claims HandlingCoverage

    Reviewed May 19, 2023

    State Farm is practicing bad faith by refusing to pay water damages claims. Be aware if you have state farm homeowner insurance you will be shocked when you file a claim and will have to pay yourself to get damages fixed. They are refusing to cover my balcony due to storm and they saying wear and tear nonsense. State farm adjuster are contractors and the more they denied claims the more commissions they make. Been with state farm for over 20 years and this the first homeowner claim I reported not only they refusing to cover damages they told me one more claim they will not renew my policy. Contacted CA Department of Insurance to report state farm.

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    Claims HandlingCoveragePriceStaff

    Reviewed May 12, 2023

    I received a call today from a representative in my agent's office inquiring if I received a letter that was sent back in April. I had not received a letter so the agent proceeded to advise that our Homeowners Insurance was not being renewed due to a claim that was filed a month after the policy took effect. This claim was a mysterious disappearance claim on my wedding bands as they had been lost for two weeks and I had looked everywhere. I was under the impression that lost jewelry was covered and due to the sentimental value of these, I submitted a claim after two weeks of the rings being missing. I was called by a claims processor advising me that unless they were stolen and I filed a police report, missing items were not covered. I advised that I was not confident they were stolen and opted to drop the claim.

    The agent advised that this would not have any ill effects on my coverage. No money was exchanged and I accepted that my wedding bands were lost forever. I was not advised of the personal property coverage until after I had filed the claim that they were missing, negating the possibility that I would be able to replace them at all. Come to find out, they have chosen not to renew my insurance coverage as the timing was quote "Suspicious." However, no one had advised that our coverage was in jeopardy or that this incident would cause us to lose our insurance. If a tree had fallen on our house a month after the insurance took effect, would we be penalized for that too?

    It was the single claim and no claims had been submitted since. I understand choosing to increase our premium, but cancelling is entirely unfair for a single incident that ended with no payments being issued. I received a copy of this letter today, and we have 2 1/2 weeks to find an equal policy to avoid a lapse in coverage. This caused us to lose a bundle discount and is a black mark on our record resulting in increased prices for homeowners insurance.

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    Reviewed April 13, 2023

    Filed a claim with homeowners after a storm came through a few weeks ago. State Farm hired their own contractor to come inspect our roof for damage. The contractor inspected and found hail damage. They then recommended a new roof. Now, State Farm wants a second opinion because they don’t trust their own recommended contractors findings. This further delays my repairs and offends me after being a twenty year customer.

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    State Farm Homeowners Insurance Company Information

    Company Name:
    State Farm