⭐ Editor's Choice — Top Rated Pick
State Farm Homeowners Insurance
📍 Available in: US
★★★★★ 4.8 / 5.0
State Farm is the undisputed market leader in American property insurance, protecting more than 1 in 5 US homes. Known for generous multi-policy bundling discounts (saving up to $1,073/year when pairing auto and home), State Farm offers expansive dwelling replacement coverage, personal liability, and local captive agents in almost every US zip code.
Key Facts at a Glance
| Cost / Fee Structure | From $110/mo ($1,320/yr avg) |
| Coverage / Loan Limit | Dwelling: $150K - $5M+ |
| Deductible | $500 - $5,000 (or 1% - 5% wind/hail) |
| Credit / Eligibility | Credit-based insurance score in eligible states |
| Terms Available | Annual Policies |
Pros & Cons
✓ Pros
- ✓Largest property insurer in the US with top-tier financial strength (A++ A.M. Best)
- ✓Substantial savings when bundling car and homeowners insurance
- ✓In-person support through dedicated neighborhood agent network
- ✓Generous roofing and storm damage coverage endorsements
✕ Cons
- ✕Has paused writing new homeowners policies in parts of California
- ✕Online quote experience often requires agent phone follow-up
Key Features
Huge Multi-Policy Discount (Up to 25%)19,000+ Dedicated Local AgentsTing Smart Electrical Fire Sensor IncludedExtended Replacement Cost Rider24/7 Rapid Disaster Response Team
Compare State Farm Homeowners Insurance Side-by-Side
Not sure if State Farm Homeowners Insurance is the right fit? See how it stacks up against direct competitors: