State Farm Home Insurance Review

#1 home insurer in America with local agents in every community and strong bundling discounts.

By Michael Hewitt, Founder & Editor-in-Chief.

Our verdict

Bundling is the reason to be here: adding home to a State Farm auto policy can save up to 17%, and 19,000+ agents handle claims locally. AM Best rates it A++. Online quoting is less streamlined than the InsurTech firms, and rates aren't always the cheapest for basic coverage, so quote it as a bundle.

Skip it if you only need basic home coverage at the lowest price, or want to buy online.

About State Farm Home Insurance

#1 home insurer in America with local agents in every community and strong bundling discounts. State Farm Home Insurance is offered by State Farm. Our editorial rating is 4.6 out of 5.

Best for: Homeowners who want bundled auto + home from one carrier.

Editorial grade: A (composite score 89/100).

Highlights

Largest home insurer in the U.S.
Adding home to a State Farm auto policy can save up to 17%
19,000+ agents for local claim support

What we like

Financial strength rated A++ by AM Best
Deep bundling discounts with auto insurance
Excellent claims support through local agents

Where it falls short

Online quoting less streamlined than InsurTech
Rates not always the cheapest for basic coverage

Fees, minimums, and rates

Monthly fee: Varies by property. Minimum to open: N/A. Rates and promotional offers change often, so check the provider's own page before you apply.

How we reviewed it

This is a desk review: we have not opened an account with State Farm. It is built from State Farm's published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Home Insurance shortlist. The rubric is the same for every brand.

Similar products to compare

Read our full editorial methodology for how we review products.