State Farm Homeowners Insurance

State Farm Homeowners Insurance

 3.8/5 (560 reviews)
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About State Farm Homeowners Insurance

State Farm is best known for its auto insurance, but it also offers homeowners insurance. When you request a quote, State Farm suggests one of three levels of coverage: Essential, Expanded or Premium. You can select add-ons and see if you qualify for discounts. AM Best has given State Farm a high rating for its financial strength.

Overall Satisfaction Rating

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Pros

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

Cons

  • 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.

Top State Farm Homeowners Insurance Reviews

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Rated with 5 stars
Verified

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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Rated with 5 stars
Verified

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

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How do I know I can trust these reviews about State Farm?
  • 4,210,289 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
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Page 1 Reviews 0 - 10
Rated with 1 star
Verified Reviewer
Original review: March 11, 2023

I found evidence of water leak to a bathroom ceiling and the wall on 8/18/2022. The bathroom internal water leak claim total was $7,627.11 and my deductible was $4,768, thus remaining amount of $2,859.11 was denied as I supposedly hired a contractor that charged too much (I hired a reputable contractor not one with bad reviews). Supposedly, the repairs that were done were 'out of scope' of my policy (Florida State CFO site states Insurance companies should make restitution for these types of repairs).

Bottom line, I had a Replacement Cost Policy thus 100% of the repairs should have been covered. The rude Adjuster (usually always rude whenever we spoke on the phone, never could get him on the phone but eventually did call a few days or a week or more) was always courteous and professional in email replies. Stated that he had to use Actual Cash Value (repairs cost less depreciation). This is ridiculous. I'm paying them extra for Replacement Cost Policy.

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Rated with 1 star
Verified Reviewer
Original review: March 1, 2023

I have been with State Farm for 20 years and never had a claim. I had wind damage on my roof and State Farm is not taking care of me. My neighbor had less damage than my roof and his insurance company paid for a new roof. Every roofer that came by to give me an estimate told me the best thing I could do is to change insurance companies because State Farm is the worst insurance company in the business to file a claim with. Check with Farm Bureau or Erie I was told because they take care of their clients unlike State Fsrm!!

4 people found this review helpful

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    Rated with 1 star
    Verified Reviewer
    Original review: Jan. 12, 2023

    State Farm is not a good neighbor. They are absolutely the worst! After a recent hail storm that affected a 1 to 2 block radius around my house my home was devastated. I have asphalt coming off my roof when it rains, my plant collection was shredded, and my house looks like it's been hit by bullets. State Farm denied my claim. To add insult to injury more than half (22 so far) of the surrounding homes-not covered by State Farm are currently in the process of having their roofs replaced and homes painted. Terrible company.

    4 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Nov. 12, 2022

    I filed a theft,/vandalism claim with State Farm in July of 2022. My first claim, after paying for coverage for four and a half yrs. They denied it, because they say that it's a legal issue. Of course it is, that's why I filed a police report. I discovered that they have a problem paying out legitimate claims. Even some Florida hurricane victims, have tarps and plastic taped to their roofs, because this company won't pay their claims. Don't deal with these people. Check out the I Hate State Farm page on Facebook. People nationwide, are getting ripped off from these people.

    5 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Sept. 29, 2022

    My 90 yo mom who lives in a mobile home on our property had a tree fall through her roof on 7-11-2022. State Farm Claim # **. They sent out an adjuster a week later and he estimated the total damages of $8,100. We live in a very rural area and getting someone out for this type of damage to an old trailer with a metal roof has proven very difficult. But we got one person to give us a written estimate that was $17,500. I got one other verbal estimate for about the same thing. I met with 2 others that would not even give an estimate. One contractor laughed at me when I told him what State Farm estimated.

    After arguing with State Farm for 6 weeks they said they would send a different adjuster out for a second opinion. 2 weeks later and after many unanswered and unreturned phone calls they tell me they don't have another adjuster and will send the same adjuster out. It’s now 9-29-2022, 10 weeks and my 90 yo mom is still sleeping with a blue tarp over her head covering a huge 14 foot wide gaping whole over her bed and bath. I am so frustrated, and I don't know what to do. Whatever you do, don't buy your homeowners insurance from State Farm. If you have them already get rid of them before it’s too late. Or you might be as sorry as I am for having them as my insurance company for the last 20 years.

    7 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Aug. 17, 2022

    I have been with State Farm for nearly thirty years now and have nothing but good transactions until today after I filed a claim for my home with water damage and was told that it was not covered by the homeowners insurance, therefore and I am sure all insurances are the same but at the end of the year I will be shopping and replacing all my policies that I currently have with State Farm, I could see if I filed claims every time I turned around. However I do try and refrain from being frivolous with submitting claims just because.

    2 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: July 9, 2022

    I have been a loyal State Farm customer for more than twenty years with replacement cost insurance on my house. A storm ripped several shingles off multiple slopes of my roof in December. Seven months later, State Farm still has not approved replacing my roof. Customer service started well. State Farm sent a vendor to tarp the roof within a few hours. Two weeks later, a field adjuster assessed the damage and shipped one of my shingles to a lab for analysis. A few days later, I received approval to replace only a fraction of my roof and with a different shingle.

    The desk adjuster tried to convince me his shingle was an “exact match.” My roof contractor sent the desk adjuster a side-by-side picture of the original shingle and the one he suggested. The shingles are significantly different. We also provided the adjuster an independent lab result showing the manufacturer discontinued my shingle and there is not a similar shingle available.

    A few days later, the desk adjuster changed his story and agreed the shingle had been discontinued. Instead of replacing the full roof in accordance with state laws, he then insisted the shingle he approved for my roof is a “like kind” replacement. He claims he spoke to two different “shingle locator experts.” He also claims the manufacturer said it was not a problem to install the different shingle on my roof if it was on a different slope. This information is the opposite of what the manufacturer told me. I provided the adjuster a letter from the shingle manufacturer saying the original shingle should not be mixed with currently manufactured shingles due to differences in color and granules. The claims department manager sarcastically told me the two different shingles would not “cause a chemical reaction being on the same roof.”

    State Farm refuses to provide their lab analysis or documentation for any of the assertions the desk adjuster made regarding communication with his “shingle locator experts” or the manufacturer. My insurance agent was initially helpful. However, Hunter ** abandoned this claim several months ago. After multiple phone calls and emails, this issue remains unresolved.

    10 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: July 1, 2022

    We have had home & auto with State Farm for over 20 years. We had a horrible experience Memorial weekend. Downstairs bathroom sink pipe broke. Water flooded the studio area bathroom and garage. I called that was a nightmare cause people do not come out anymore and they wanted me to file online. I wanted to talk to someone. I had to go and get my own extraction company on a holiday weekend and pay them. I went and got pricing for all the ruined items. Now since they do not trust my numbers they said someone would come out. Well two weeks no one yet. Now she stated they are not coming? WTH. STEER CLEAR. There are lots of other companies. We will we shopping. I WILL ALSO FILE WITH BBB AND ATTORNEY GENERAL.

    14 people found this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: April 13, 2022

    I have held an auto & homeowner policy with agent Hamid at the State Farm office in Clayton, CA and have always had a positive experience. They answer their phones(!), are competent, and reliable to follow through with my concerns. I have been very happy with this insurance company and plan to stay with them in the years to come.

    2 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Feb. 11, 2022

    I recently switched to State Farm from USSA approximately 6-8 months ago and it was the biggest mistake. I had an upstairs bathroom leak which flooded my kids bathroom, hallway and downstairs laundry room right before Christmas. Claim still has not been resolved, the internal and field adjusters for State Farm are rude and inexperienced and I am beginning to think this is by design. I cannot get any answers on a small 13k claim or updates. I have experienced lack of communication, unreasonable delays, failure to investigate, underpaying claims etc. Needless to say, my three kids are still sharing our bathroom almost 12 weeks later with no resolve. Stay away from State Farm...

    18 people found this review helpful
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    State Farm Homeowners Insurance Company Information

    Company Name:
    State Farm
    Website:
    www.statefarm.com