State Farm home insurance ratings

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Overall Rating info icon info icon
4.0 ratings
Claims Processing
4.0 ratings
Customer Service
4.0 ratings
Value for Price
4.0 ratings
Website and Apps
4.0 ratings
% Who Would Recommend to a Friend
80%
% Who Plan to Renew
97%
AM Best Financial Strength Ratings info-icon info-icon July 01, 2021
A++

HOW WE WEIGH OUR SCORE

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 State Farm is available?

States in which State Farm is 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.

Reasons for Buying

Customers of State Farm originally decided to purchase from the company for these reasons:
  • 23% Offered best price
  • 22% I had other insurance with this company
  • 22% Recommended by friend or family member
  • 17% Reputation
  • 7% Was the company my parents had
  • 5% Saw TV commercial
  • 3% Financial strength rating
  • 1% Saw online ad
  • 0% The company website and mobile apps are easy to use and helpful

Customer Complaint Ratio

info icon
( State Farm’s customer complaint ratio for Homeowners insurance is 0.87 )
0.87
0 1 3 10+
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

Would you renew?

97% Yes
3% No

Ratings on Website & Apps

  • Completely satisfied / Outstanding website & apps that give me what I need and more 42%
  • Fairly satisfied / Fulfills my needs OK 40%
  • Average website and apps 12%
  • Unsatisfied / website and/or apps are not fulfilling my needs 2%
  • Very unsatisfied / digital offering is severely lacking 1%

How do you prefer to deal with insurer and policy?

  • Phone 46%
  • Interactive website 20%
  • In person 16%
  • Email 13%
  • Mobile App 5%

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.

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