Best Home Insurance Companies

State Farm Home Insurance Reviews And Ratings

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state farm
State Farm Ratings
Overall Rating
Claims Processing
Customer Service
Value for Price
Website & Apps
Customers who recommend 80%
Who Plan to Renew 97%
AM Best Financial Strength Ratings A++

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.

Types Of Coverages 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 Coverages Offered by State Farm Home Insurance

  • Auto
  • Life
  • Personal articles
  • Flood
  • Umbrella
  • Health
  • Long-term care
  • Disability

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.

How likely customers would recommend this company?

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

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

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%
  • Very unsatisfied / digital offering is severely lacking 1%
  • Unsatisfied / website and/or apps are not fulfilling my needs 2%

How do you prefer to deal with insurer and policy?

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

Customer Complaint Ratio

info

The complaint data is gathered from the NAIC Complaint Index, which collects complaint information from state insurance regulators and then compares a company’s performance to other companies in the same insurance market. The national average is always calculated to be 1.00; those above 1.00 are worse than the national average and those below are better (have less complaints) than the national average. Read more at the NAIC website.

Note: Many companies have a variety of subsidiaries listed with the NAIC, the one rated here may be different than the one that writes your policy. Check with your company/agent for specific information.

State Farm’s customer complaint ratio for Homeowners insurance is 0.87

In which states is State Farm available?

Customer Reviews

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:

Customer Reviews

373 Reviews. 4 Stars out of 5
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