State Farm Homeowners Insurance Reviews

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.

The flashing around my chimney was damaged and pulled away lifting a nail up. The adjuster came out and denied my claim due to the nail being rusty. He said the wind blew it up, but didn’t remove any shingles as this is impossible. My wife is disabled and we had to move everything we own downstairs and the leak wasn’t noticed downstairs as we don't go upstairs. My claim was denied due to a rusty nail and he said it was done a long time ago. We had called a month ago to start a claim and it was forgotten. We called again but no one responded. We finally called back a third time and finally after several weeks someone came out. Poor customer service and I feel if we were as the same color as the adjuster there would have not been a problem.

Recently a huge hickory tree fell on my home. State Farm was notified as soon as it happened. The Red Cross didn't know until 4 days after State Farm. Red cross has actually helped us. State Farm, no they have made everything worse. State Farm is the only insurance agency I have ever been with.

I had State Farm for years. I'm thinking about getting another home insurance. Customer service is terrible. I've been calling the adjuster for couple weeks now and no call back. Finally, got through with somebody and they had attitude because I'm trying to find out what's the result of my findings. My roofing is leaking and they say I have to pay out of pocket. Ridiculous.

We had homeowners insurance with State Farm for at least 5 years and never filed a claim until 2023 and 2024. Both claims were for wind damage to our house roof which occurred on several occasions. Several independent experts in roofing advised us the damage was caused by hail and high winds. State Farm inspectors, however, stated that there was no weather related damage although many shingles were displaced and hanging, in the gutter, or in the yard. State Farm wants your money but balks on settling a claim in favor of the customer. We cancelled our policy with State Farm.

As a Licensed Claims Adjuster In Illinois State Farm has been like dealing with a company in a third world country. Bad Faith is a normal practice and they have no regards to policy language, ethics, facts, or empathy for the members. They treat members funds like it was their own personal bank account (I don’t owe you what’s mine). When it comes to lawsuits they are happy to spend the insureds funds on legal battles after extreme bad faith practice.

After being a customer for 41 years, they dropped our coverage effective 4/24/25. We have had a total of $13,299.14 during that time. Obviously, we will also be dropping our car insurance with them. Extremely disappointed. We will never recommend them to anyone for insurance. Pretty evident that State Farm is NOT THERE for all of their life long customers.

I asked for an adjuster for an unidentified roof leak causing damage inside my home. I was told I can only get interior repairs covered. So I asked what happens when it begins to leak inside again. I was told the adjuster would return for a new assessment. Now I see commercial with A list celebrities. Thank goodness they allocate our money to the right places.

The worst customer and vendor services I have ever. It takes more then 30 mins to wait and the numbers the Statefarm reps and emails give out are not even for the right divisions. The AI/ computer automated system is the worst for speaking with. What happened to Statefarm reps being accountable for their claims?

I know State Farm well and in auto, they are 100% awesome! I had a fire and lost everything in my house and had $240,000 for contents. My adjuster has depreciated everything so much that all I have in my house is a bed. My kitchen is complete but as for furniture, etc my adjuster is nickeling and diming me to nothing.

Had State Farm homeowners insurance for over 20 years and over the years made 2 small claims around $500-$1000, but when I really needed the insurance for roof replacement due to storm damage, they denied the claim and had multiple inspectors come with all of them writing reports that the roof needed replacement. They offered like $2500 and by the time they subtracted the deductible they offered us like $300. We filed a lawsuit and won over twice what the roof was worth so they lost double the money. Then they jacked up our premium by $600 so $3600 new premium. That's when we canceled and got insurance through a superior company for $2100. Their "like a good neighbor" slogan is a joke. The ordeal took almost a year to get resolved with their delays and the lawsuit.

Filed a claim for roof repair/replacement for damage during Hurricane Helene. My roofing company estimates ~100 damaged or missing shingles. S/Farm adjuster "implied" he would recommend full roof replacement more than once. Now Feb 20, 2025 and still fighting S/F. They continue to deny claim and offer to pay for approx. $2,000 for roof repair and water damage to walls and ceiling. Less than my deductible!! Working with my S/F agent and roofing contractor, have performed all tests and "jumped thru all the hoops" that S/F Adjuster has required. And the response yet again is "this roof is repairable" so claim for full replacement is DENIED.

We've had State Farm insurance for both home & auto for well over 50 years. In late December, 2024, a pipe burst in the upstairs master bath while we were gone, so we don't know how long the deluge lasted. It ruined the floor & vanity in the bathroom, as well as flooding the daylight-finished basement m-i-l apartment (not lived in). The main damage on the lower floor was to the area directly under the flooded bathroom, but the entire area was carpeted and because we've been planning to move, we had packed boxes stacked in the living area down there, along with the furniture.

13 years with State Farm with everything from cars, motorcycles, boats, home, renters insurance and after a hail claim in October 2024- State Farm decided to cancel me 12/9/24 and state this was per my request, which said request never took place. Misunderstanding? I thought so at first, then I quickly realized after they would not reinstate me due to they no longer cover my zip code, that they canceled me due to my having a second hail claim for my roof in 13 years.

We've been customers for almost 40 years, but we had never had to file a homeowners claim before now. We have a gigantic hole in our roof caused by Hurricane Beryl over 6 months ago. We also have lots of inside damage to our insulation and ceiling, our wired smoke/carbon monoxide detector system was destroyed, and most of our fence was destroyed. State Farm was saying that we can get it all fixed for around $2000 which is less than our deductible. That's less than the smoke detectors are going to cost. The cheapest estimate for our roof was over $30,000, we've gotten several and they all say that no reputable contractor would repair a roof with a hole that big.

State Farm is by far the worst insurance company on planet Earth period. This company is criminal. They deny most every claim. They denied my roof claim and should have paid for it. State Farm loses hundreds of millions of dollars annually. Make sense why they screw everybody out of their claims.

State Farm decided to not renew our homeowner's policy -- the stated reason was our one-and-only claim for $12K. The claim was subrogated by State Farm and we were found not responsible by State Farm. The other company paid State Farm for the damage. I called State Farm Claims -- they said, "Talk to your agent." Agent said to talk to State Farm Claims. I pressed our agent. The agent said that they recently received training that when Underwriting decides a policy won't be renewed they will list the claim that was made and state that it is the reason for not renewing.

Attention State Farm Policyholders, My claim is for roof damage from a storm in September of 2023. I have brought in a public adjuster to assist me in the process of getting the claim paid. The shingle manufacturer has released many bulletins recommending against the repair methods State Farms is willing to pay. The correct and generally accepted repair method with the type of damage to my roof is replacement. State Farm refuses to accept those terms.

I’ve been with State Farm for 20 years. The office of Tina ** has always been top notch. State Farm treatment of my last claim was so disrespectful for roof damage. The office team was great but the way State Farm the organization is treating us as clients is terrible. So much that I have to look elsewhere. I also found that this would give me a savings of $1k by switching with the same coverage per year. State Farm was a great 5 star company who took care of their customers. Not anymore.

I am making this post on behalf of a family member that has had State Farm for over 45 years. This company is only after your money! Homeowners insurance with State Farm is a joke! They set up an appt to look at hail damage, never show up & then send a letter thanking us for meeting with him! He NEVER came by to meet us and didn’t! This company had integrity issues & is a joke. Threatened the homeowner insurance to increase over 800.00 for dropping the car insurance! They didn’t decrease the ins half that amount when adding the car so why do they threaten to increase HO Ins over $800.00?!

State Farm is definitely not as advertised. They’re not on your side but on the side of their pocketbooks. They would go out of the way just to make you pay more for your claims. Weed through the bureaucracy and you’ll find that you would be better going with an insurance company that would really assist you and take care of you. Just beware when you sign up with them.

Title: Avoid State Farm – Terrible Service and Risk of Being Defrauded

I am currently having difficulty obtaining any information or updates from State Farm regarding my claim (State Farm Claim No: **). On 08/27/2024 lightning struck my home and damaged my roof, alarm system, sauna, and several appliances and devices. The same day, I made an insurance claim and received my claim number from State Farm. The claim has been transferred through 6 or 7 Adjusters and I'm not sure who the current Adjuster is.

I've had State Farm for auto for more than 40 years and home owners for more than 30. Several years ago we had hail damage...holes in our siding, all the screens torn, dents in our gutter helmets. State Farm said the roof was fine. Fast forward, shingles are blowing off during every strong wind. All roofing companies immediately "frowned" when I told them we had State Farm. We filed a claim. State Farm said the missing shingles could be replaced and there was no hail damage, recent or otherwise. The estimate was well below our deductible. We had to replace the roof completely at our own expense. The adjuster told us State Farm would no longer be in the business of replacing roofs and we should just plan for the expense in the future. By the way, even if State Farm doesn't pay out a time, it is still recorded as a claim.

I’ve had State Farm about 10 years now for home/auto insurance. There was a tornado that hit in July and it ripped parts of the roof, siding and there’s extensive water damage in the second floor of the house where water came pouring in. Every room has ceiling and wall damage as well as hallway in which the ceiling collapsed. There is insulation in the ceiling and it soaked up the leaking water and got so heavy the ceiling’s starting coming down. I have a $2500 deductible and all they want to do is patch it but both sides are damaged. They basically want to put a bandaid on it by replacing a few shingles. The roof is only 14 years old and isn’t even halfway at its life expectancy plus they no longer make those shingles. They missed half of the damage and all they’re giving me is $5400 which will probably pay for about half of the damage to the second floor.