State Farm Homeowners Insurance Reviews

We've been insured my State Farm for years with Home and Auto insurance. With the cost of EVERYTHING going up, so have our Premiums. No surprise there, when you consider the higher and higher costs for EVERYTHING, from Material costs, Labor costs, Business Taxes, ETC! 4 mos. ago, I got T-boned by another driver who was making a left turn on a Green light as I drove through the intersection! Fortunately, neither of us was injured! State Farm was on it immediately, setting up a Rental vehicle and following up on EVERY step going forward. Any and ALL of the questions I had were answered ASAP. Unfortunately, last week, my wife hit a Deer at 70 MPH on the Freeway in the dark of night with her 2020 CR-V and totaled it. The whole front end was crushed, but by the Grace of God, she walked away uninjured!

We had roof damage and had a relative who has been a State Farm adjuster for 15 years take a look at the roof damage so I would decide whether to file a claim or not. She said definitely, wind damage. She also said I could have a State Farm preferred roofer take a look. He also stated it was storm damage. So I filed the claim with my agent who I have had for 30 years and the company then hired a 3rd party to do the roof inspection and used the excuse that State Farm adjusters don't do 2-story roofs, which my relative stated, she does 2-story roofs all the time. The third party told the State Farm people the bad roof problem was from bad installation. Duh after the roof has been on for over 15 years and just now it shows up duh. So the company is refusing to cover the wind damage, horrible way it was handled and only hired 3rd party so they could blame them. I already called and told them to cancel it.

I had a small tear from a tree branch to a metal roof on a shed that did not appear major from the outside. But inside the shed, the Sheetrock ceiling became wet with rain and appeared about to come down. When the adjuster came he claimed the ceiling had mold which proved it was not from a single event, and denied my claim. His assessment was erroneous. Many items were stored in the shed. None of them were wet, moldy, or ruined. Before filing an appeal I requested a copy of my policy as they had not sent one when the insurance was last renewed. The owner of the branch stated they had to request it from the home office and it would take a few weeks—denied it could be emailed to me and denied they had failed to send me a copy at renewal.

I STRONGLY URGE ANYONE WITH A STATE FARM INSURANCE POLICY TO GOOGLE HOW STATE FARM DENIES WATER DAMAGE CLAIMS. THERE ARE PLENTY OF ARTICLES ON THE SUBJECT. IF I could give ZERO stars, I would. I had a bathroom faucet cause sudden and significant water damage while I was away for the weekend. The professional home inspection I had done a few months prior doesn’t mention that faucet, so it was obviously a sudden and unexpected thing.

I would give zero stars if it was possible. 30yr customer who feels absolutely betrayed. Claims experience has been abysmal, few returned calls and ridiculously low claim amount that will cover 1/3 of the damages our house received.

I have been with State Farm for 41 years. Recently, a hailstorm hit our area. You can drive through the neighborhood and see who has State Farm, they are the houses with the unreplaced roofs. People with other insurance companies have new roofs. I have had good neighbors, State Farm is not one of them.

I grew up a big State Farm fan. And after Hurricane Katrina, I was still one (my Katrina claim really wasn't that big BUT they gave good response/service). They just took care of you for a slightly higher price than the competition. But it WAS worth it. Recently I just got a new quote and policy to move back to State Farm for Homeowners, through their Dover Bay Insurance company. I got a slightly high price (several hundred more than what LA Citizens gave me), BUT like I said before, SF has always been worth it. So I proceeded with SF/DB for my insurance. Slightly more than a month later, AFTER I moved Auto and HomeOwners to SF/DB, my agent calls to tell me that the underwriters at Dover Bay are adjusting the cost of the policy by $10K!

Like a good neighbor State Farm is there? If I had a neighbor like them I'd move. We had two claims with them from the Hurricane Helene to a back up sewer line where we had damage with both over $50,000. They paid nothing. Delay, delay, defer, defer is all they do. We tried to hire an attorney, they all told us they are impossible to work with and would not take our case. Insurance Companies are too powerful. Avoid this one, they have low premiums for a reason, they have no intentions of paying.

If you have State Farm for homeowners I hope you never have to file a claim. A tree fell onto our roof. We had proof it was CLEAR the tree caused significant damage. They fought and still didn’t pay for the tree removal. After almost a year 6+ adjusters, multiple unanswered emails, having to have another evaluation where we were told State Farm SHOULD have fixed the whole side due to the damage. Then being hung up on, mismatched roof, being told if your property is older they won’t cover and now adjuster refusing to respond to us and won’t forward our messages onto supervisors. We have nothing good to say and want to warn everyone. DO NOT USE State Farm.

So far, as of July 2025' State Farm has been reasonable with me regarding insurance policies. What may be different about me is, I have cleared the brush, and all combustible material from the 3 distance zones from my home. I have spent thousands of dollars doing the recommended home hardening. I have spent months studying the NFPA and Firewise and other available sources of ways to reduce Wildland Fire losses at my property.