LIVE
30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·
Fintiex
Get started
Insurance / Home
Home insurance review

State Farm Home Insurance Review (2026)

State Farm earned 4.7 / 5 in our 2026 review. Best for: agent-based service, top jd power scores. Here is the full breakdown.

By the Fintiex Insurance Desk · Updated 2026-05-02
Get a State Farm quote Compare all 8 home carriers
Key stats
Annual premium
$1,300 to $1,800
AM Best
A++
JD Power
829 / 1000
Bundling discount
Up to 17%
States available
All 50 states
Flood coverage
Separate policy
Digital experience
Good
Fintiex rating
4.7 / 5
Pros
  • +Largest homeowners insurer in the US with agents in nearly every zip code
  • +Consistently top-ranked JD Power customer satisfaction
  • +Extended replacement cost endorsement available
  • +Discount for impact-resistant roofing materials
  • +Bundling with auto typically saves 12-17%
  • +24/7 claims reporting via app, phone, or agent
Cons
  • -Premiums tend to be above the national average
  • -Not the cheapest option for high-risk areas
  • -Limited digital-first self-service compared to newer carriers

Coverage available

DwellingOther structuresPersonal propertyLoss of useLiabilityMedical payments

State Farm includes the six standard parts of a home policy. Flood and earthquake coverage are excluded by default, which is industry standard. Add them as separate policies if you are in a high-risk zone.

Best for

State Farm is the right pick if you prioritize agent-based service, top jd power scores. It earns top marks for financial strength. If you do not match this profile, compare against the other top picks on our home insurance hub.

Overview

State Farm carries an AM Best financial strength rating of A++, which matters more in home insurance than almost any other line. When a hurricane, wildfire, or hail storm hits a region, claims can spike fast. A well-capitalized carrier pays them. A weak one can struggle. The carrier writes policies in All 50 states and is best known for agent-based service, top jd power scores.

Premiums for a typical $300K single-family home, $250K dwelling, and a $1,000 deductible run $1,300 to $1,800 per year with State Farm. That puts the carrier around the middle of the home insurance market. Of course, premium varies sharply by ZIP code, home age, roof condition, claims history, and credit.

On customer satisfaction, State Farm scored 829 on the latest JD Power US Home Insurance Study. That puts it right around average. The digital experience is rated good.

How to get a State Farm quote

Getting a quote from State Farm takes about 10 to 15 minutes online. You will need your home address, year built, square footage, roof type and age, and an estimate of the dwelling replacement cost. Most carriers also ask about prior claims in the last 5 years and your current insurance status.

  • Visit the State Farm home insurance page
  • Enter your address, home details, and coverage info
  • Pick coverage limits (set dwelling to replacement cost, not market value)
  • Review the quote and apply bundling and other discounts
  • Bind the policy online or speak to an agent
Start a State Farm quote

Frequently asked questions

Is State Farm home insurance worth it?
State Farm earned 4.7 out of 5 in our 2026 review. It carries an AM Best rating of A++ and a JD Power home insurance satisfaction score of 829 out of 1,000. Best for: agent-based service, top jd power scores.
How much does State Farm home insurance cost?
Average premiums range from $1,300 to $1,800 per year for a typical $300K single-family home with $250K dwelling coverage and a $1,000 deductible. Your rate depends on home age, construction, claims history, ZIP code, and credit.
Does State Farm cover floods and earthquakes?
Standard State Farm policies exclude flood and earthquake damage, which matches industry standard. You will need a separate flood policy through NFIP or a private insurer. Earthquake coverage is available as a separate endorsement in most states.
What does a standard State Farm home policy cover?
Standard coverage includes: Dwelling, Other structures, Personal property, Loss of use, Liability, Medical payments. Most policies include personal property at 50 to 70 percent of dwelling coverage and liability at $100K to $500K.
Will I save by bundling State Farm home with auto?
Yes. Bundling can save you about 17 percent on both policies with State Farm. Always run the numbers against two standalone quotes to confirm the bundle wins.
Is State Farm available in my state?
State Farm writes home policies in all 50 states.

Ready to get a State Farm home quote?

Takes about 10 minutes. No commitment to bind.

Get my quote Compare other carriers