State Farm Homeowners Insurance Reviews

State Farm was one of the most frustrating companies I’ve ever dealt with. I had a pipe burst in a condo I was renting, which forced an emergency evacuation. I had renters insurance and expected support during a stressful situation. Instead, I got pushback, delays, and denials. My claim was denied, then approved, then denied again after I followed their instructions and submitted additional receipts. No consistency, no accountability just a constant fight. Then came my auto claim, and it was the same story. I needed OEM glass because my vehicle has safety features like lane assist that depend on proper calibration. They tried to push aftermarket glass instead to save money, ignoring the safety concerns. I had to reopen the claim multiple times, and every step felt like they were looking for a reason not to help.

Horrible service. My home was damaged by freezing pipe burst in December 2025. I was a member more than 7 years. I can't believe how they did me. They denied my plumbing bill. When the damaged was caused from freezing burst pipe. And also I was never got reimbursement for my personal property that was damaged due to the water damage. Then I receive a letter from Michael ** Statefarm specialist saying they will be dropping my insurance due to claim. I will also putting this on my YouTube channel the way Statefarm has been to me. I had to use my credit card to pay the rest of the balance to get my home repaired completely.

I have lost confidence in State Farm after 15+ years, 6+ current policies and paying them 10k+ annually in premiums. Very poor customer service and coming up with unacceptable reasons to deny your claims is their modus operandi. You might as well get a policy with a brand new company... at least there is a likelihood they will treat you well and consider your claim!

Do not buy from this company. I have been with them for over 25 years. Had a water leak in my home. They refused to pay. Sr adjuster Shri ** and adjuster Richard will stall and lie just so they wouldn’t pay the insurance. Overpriced and will steal from you.

We had them for 26 years. We’ve had them we had a little issue with our roof. They wouldn’t cover it. They wouldn’t call us back forever. Then they called us back gave us two or three different people we had to talk to. They wouldn’t even come out and look at it. Total rip off. Don’t do it.

Florida I have called several times to get my finalized quote, but the person I originally talked to won't return my calls. This tells me that State Farm isn't as good as the reviews say. I will not recommend State farm to anybody!

I bought homeowner's insurance from State Farm. To cover major problems. I had a water leak in the shower wall. The diverter valve leaked. Inside the wall. State Farm refused to cover it. Because, They said it was a prolonged leak. They call it homeowner's fault. How can you report, when you don't know it's happening. NEVER seen any water. When I finally seen the water. I shut the leak off! The damage was done. It is the Master bath. I use it everyday! The leak traveled under Travertine stone. Causing Mold in the walls. Again I couldn't see it. How can you say it's the owner's problem? NOT Reimbursing the customer for damage done. Is ridiculous.

I cannot find where this falls into but I'm writing about the insurance that covers Home Depot's appliances in the USA. This is the absolute worst company (State Farm, not home depot) that I have ever experienced in my 61 years of living. I will never buy another appliance or any warranty if the insurance falls under SF. I also tell everyone I know to stay away. The procedure in which they run is absolutely horrendous! When you call, there's a different person you speak to every time, sometimes you get transferred to different departments and you have to start all over again telling what happened. When you think you've gotten one step ahead., you speak to someone else who doesn't take the time to read all the notes and puts you back 2 steps. I'm getting irritable just writing this and I haven't dealt with them in months.

I filed a water damage claim for $3,000 or less after having State Farm for 5 years. I received a call from my agent that the underwriters were not going to renew my policy. I have 2 auto insurance policies as well. State Farm is going to lose all of my business and will not recommend them to anyone.

Long-time State Farm Homeowners policy holder in Elfrida, AZ. Discovered significant water damage behind the walls from a hidden slow leak. Filed a claim, but it was denied due to ‘neglect’ and gradual seepage over time. The leak was concealed and not detectable through normal use—no prior signs or warnings existed. This denial has left me with thousands in repair costs after years of on-time payments and no prior claims. Disappointing lack of flexibility for hidden damage issues. Proceed with caution on State Farm for potential concealed water claims.