State Farm | Homeowners Insurance

3.5

Protect your home with reliable coverage and support for your peace of mind every day

Average Premium

All Less

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Pros

Rated higher than the industry average for overall satisfaction by J.D. Power
Policyholders might be eligible to receive a complimentary fire hazard monitoring device
Roofing discounts offered in select states

Cons

Offers fewer homeowners insurance discounts than some competitors
May require speaking with an agent to learn about the company’s homeowners endorsement options, since they aren’t listed on the website
Not offered in CA, MA, or RI

Bundling discounts: Customers who buy both home and auto insurance from State Farm may qualify for bundling discounts, with an average annual savings of $1,273 based on 2023 survey data.
Roofing discounts: Installing impact-resistant roofing products, such as Class 4 shingles, could make you eligible for a reduced rate; consult your State Farm agent if you plan to replace your roof.
Protective device discounts: Having a fire alarm, smoke detector, or security system can make your State Farm home insurance policy eligible for a discount.
Wind mitigation discounts: Homes built to certain standards — for example, those in the Institute for Business and Home Safety’s FORTIFIED program — may qualify for discounts from State Farm.