State Farm home insurance ratings
Overall Rating
AM Best Financial Strength Ratings
May 01, 2021
May 01, 2021HOW WE WEIGH OUR SCORE
- Price35%
- Customer service25%
- Claims20%
- Website and app10%
- Renew/Recommend10%
WHAT IS THIS RATING?
A.M. Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations.
A.M. Best's rating is NOT used to calculate the overall score but it is important information to consider when choosing an insurance company.
State Farm: Best home insurance company overall
State Farm earned the title of Best Home Insurance Company Overall in our annual review of the Best Home Insurance Companies. Their four-star InsureScore for claims and customer service is powerful, but only touch the surface of what State Farm brings to the home insurance table for their customers.
State Farm had the highest renewal rating, with 97% of customers responded that they planned to renew with State Farm. Customers report that State Farm is easy to do business with and that their customer service reps go above and beyond. Customers also report reasonable prices and smooth claims handling.
Types of coverage offered by State Farm home insurance
- Dwelling
- Liability
- Medical payments to others
- Additional living expenses
- Condominium
- Renters
- Rental property
- Manufactured home
- Farm and ranch
Discounts offered by State Farm home insurance
- Multi-line discount
- Home alert protection discount
- Roofing discounts
- Higher deductible
Additional coverage offered by State Farm home insurance
- Auto
- Life
- Personal articles
- Flood
- Umbrella
- Health
- Long-term care
- Disability
In which states is State Farm home insurance available?
| States in which State Farm home insurance available |
|---|
| Alabama |
| Alaska |
| Arizona |
| Arkansas |
| California |
| Colorado |
| Connecticut |
| Delaware |
| Florida |
| Georgia |
| Hawaii |
| Idaho |
| Illinois |
| Indiana |
| Iowa |
| Kansas |
| Kentucky |
| Louisiana |
| Maine |
| Maryland |
| Massachusetts |
| Michigan |
| Minnesota |
| Mississippi |
| Missouri |
| Montana |
| Nebraska |
| Nevada |
| New Hampshire |
| New Jersey |
| New Mexico |
| New York |
| North Carolina |
| North Dakota |
| Ohio |
| Oklahoma |
| Oregon |
| Pennsylvania |
| Rhode Island |
| South Carolina |
| South Dakota |
| Tennessee |
| Texas |
| Utah |
| Vermont |
| Virginia |
| Washington |
| West Virginia |
| Wisconsin |
| Wyoming |
| Washington D.C. |
Customer Complaint Ratio
( State Farm’s customer complaint ratio for Homeowners insurance is 0.87 )
Lower number is better
0 to 1.00
1.01 to 3.00
3.01 and above
More things to consider about State Farm homeowners insurance
How likely to recommend?
- 46%I would definitely recommend this company
- 34%I would probably recommend this company
- 18%Neutral
- 2%I would probably not recommend this company
- 0%I would not recommend this company
About State Farm home Insurance
Found in 1922, by Illinois farmer G.J. Mecherle, State Farm started small with a focus on good service and great value.
The original mission was to treat its customers fairly and to do right by them. By remaining in the communities 100 years later, that mission still seems to hold true, and even has a presence in its business tagline: Like a good neighbor, State Farm is there.
Its commitment to safety education is apparent with his community programs aimed at reducing injury and loss, as well as teaching safety, especially to young drivers.
Today, the company handles 84 million policies.
Go to State Farm site now to get a quote
Policyholder's feedback on State Farm home insurance
Our survey asked policyholders to share experiences or give feedback that they would like to share with others looking to potentially buy from their current insurance company. Here's what they had to say:
"They get the job done."
-Age 22, Illinois
"Fulfills the requirement for a pretty good price."
-Age 27, North Carolina
"They have excellent customer service, but claims can take a long time with a lot of back and forth. Price is about average, but you are paying for the service you receive."
-Age 30, Colorado
"They explain your options wel"
-Age 30, Ohio
"I would tell them that everything about State Farm is great"
-Age 31, Arkansas
"They make claims simple, and price is comparable to other companies I have quoted"
-Age 31, Colorado
"No issues and good customer service."
-Age 32, DC
"i'ts fine some of my friends have better insurance in low price"
-Age 32, Wisconsin
"covers alot of things and price"
-Age 33, Ohio
"Good service"
-Age 34, Illinois
"Personable people who care about your needs and average prices."
-Age 34, Wisconsin
"I never had a problem with my renters insurance. I never filed a claim so I do not know if they are good at that type of insurance."
-Age 35, Ohio
"Great bundle prices"
-Age 38, Georgia
"Great company, reasonable prices and excellent customer service"
-Age 38, Indiana
"I never have to worry about a thing."
-Age 38, Indiana
"Great customer service. Very helpful over the phone. Willing to look for extra discounts yearly"
-Age 39, Ohio
"affordable, easy process , worth it to protect yourself, good company well established"
-Age 40, New Jersey
"When I had a problem with my roofing and need to replace it, I call an agent and they took the time to solve my claim an the inspector came to see the house in this same day they provide me with a check."
-Age 41, Arizona
"Good for the service you have"
-Age 44, California
"great home coverage and good claims service"
-Age 44, North Carolina
"I trust the company"
-Age 44, North Carolina
"Better than others"
-Age 45, Georgia
"Great prices, easy to switch, and easy to pay"
-Age 46, Illinois
"The customer service representatives are friendly and professional. They offer bundle discounts if you add home and your car"
-Age 46, New York
"Very affordable and easy to add to auto insurance."
-Age 47, Georgia
"They handled our claim well"
-Age 47, Virginia
"Quick response and the best customer service I have dealt with."
-Age 48, Mississippi
"Great company with cheap prices"
-Age 49, Alabama
"I am very satisfied with State Farm"
-Age 49, California
"The customer service reps really go above and beyond, and the prices are among the lowest."
-Age 49, Mississippi
"Gives a reasonable priced bundle options"
-Age 50, New Jersey
"That they have the best auto coverage and lowest renter premiums."
-Age 51, Minnesota
"I'd have them talk to our agent since I don't fully understand these things. Our agent is very helpful."
-Age 52, California
"Just okay, nothing special."
-Age 53, Illinois
"They have everything you need in an insurance company"
-Age 53, Maryland
"Adequate, expensive, corporate"
-Age 54, Arkansas
"I've never had to file a home claim, but I love them for my other insurance"
-Age 54, Maryland
"Quick and easy service and claims process"
-Age 54, New York
"Price"
-Age 55, New York
"State Farm will cover you for what you insure with them."
-Age 55, Ohio
"Go with State Farm for they are the best and affordable"
-Age 56, Georgia
"Be very careful if you have to file a claim because you will literally get shoved off to the side and get no help"
-Age 56, Illinois
"Good prices"
-Age 56, Nevada
"No annoying commercials like Gieco, Progressive, Liberty Mutual"
-Age 56, New Jersey
"It's okay."
-Age 56, Pennsylvania
"My State Farm home insurance costs a bit more than other brands but my bundle with auto costs the least so I think they are a good bundle."
-Age 57, Arizona
"It is the best company for me and my family"
-Age 57, Delaware
"trusted well knowncompany"
-Age 57, Ohio
"Conduct due diligence to see if this company works for you or not."
-Age 58, Illinois
"We've been loyal customers for many years and it reflects on the price we pay."
-Age 58, Texas
"long standing"
-Age 59, New Jersey
"Hard to deal with coverage"
-Age 60, Illinois
"Excellent service and claims handling without issues"
-Age 61, Georgia
"If you are looking for home insruance I say to shop around, read the data, not all are the same"
-Age 61, Michigan
"Very positive"
-Age 61, Missouri
"They have the best rates"
-Age 61, Tennessee
"They have great customer service, but they are pretty pricey"
-Age 62, Alabama
"Check them out if shopping for home insurance."
-Age 62, Florida
"Good prices, customer service."
-Age 62, Virginia
"I have never filed or have claim filling with them but good coverage."
-Age 63, Georgia
"To not only get rate quotes, but compare what each company offers, you will find a great deal of offerings if you had a fire and had to move out of your home into a hotel"
-Age 64, Alaska
"It covered hail damage, years ago, in fact, got more covered than we planned"
-Age 64, Indiana
"great customer service explains everything"
-Age 64, New Jersey
"We've never had a claim but we've had great customer service."
-Age 65, Illinois
"Lower price is always better going forward"
-Age 65, Indiana
"Not had any problems with them"
-Age 65, Maryland
"I've been with them for over 30 years"
-Age 65, Ohio
"They actually offer coverage in my area"
-Age 66, California
"They are not worth their high prices."
-Age 66, Michigan
"They handled my claim very well. Above and beyond my expectations."
-Age 67, California
"Good customer service and rates. Easy to do business with."
-Age 67, Ohio
"Little pricey but good service"
-Age 67, Ohio
"Best value for the price"
-Age 68, California
"State Farm is reliable."
-Age 68, Kansas
"Agent is not attentive to my needs"
-Age 69, Virginia
"I've been with them for over 20 yrs, and they have always done a great job for us"
-Age 70, Kansas
"They are local, so you can visit them in person if you want"
-Age 72, California
"I would tell them that I have never found a more responsive company with a better rate and level of service."
-Age 72, Montana
"In forty years of coverage, my insurance company has never denied a claim."
-Age 72, Oklahoma
"easy teasy"
-Age 75, New York
"Excellent agents"
-Age 76, California
"shop around"
-Age 76, Washington
"I've had my insurance company for over 50 years do I'm satisfied with them"
-Age 77, Maryland
"Fast service"
-Age 85, New York
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