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What to Know
State Farm offers comprehensive home insurance policies with many add-on options. For residents in areas that are prone to storm and wildfire damage, State Farm's an even better choice because of the discounts it offers for mitigation efforts. The carrier is not currently issuing new policies in California, Massachusetts or Rhode Island.
State Farm
Best for Storm- and Wildfire-Prone Areas- Discounts
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- Online Quotes
- Online Policy Purchase
Why We Like State Farm
State Farm is our pick for storm- and wildfire-prone areas because it offers discounts for fortifying your home against damage: hurricane-resistant windows, impact-resistant roofing and, in Colorado and Oregon, wildfire mitigation efforts. Every standard policy also includes an automatic increase to the dwelling limit at no extra cost. Earthquake coverage is available as an add-on. You can get a quote, buy a policy, and file a claim online, or work through a local agent.
Pros and Cons
Pros
- Offers earthquake coverage
- Buy a policy online
- File claims online
Cons
- Not sold in 3 states
- No flood insurance option
Solvable's Take on State Farm Homeowners Insurance
State Farm fits homeowners in hail, wind, hurricane and/or wildfire territory who will use what it rewards. If you've already put on Class 4 shingles or installed hurricane-resistant windows, State Farm is worth a quote, because those upgrades are named discounts. Not every insurer itemizes them that way.
It also makes sense if you already carry State Farm insurance on your car, since a home-and-auto bundle is another discount you can use. We recommend getting a quote for home insurance as a bundle and on its own, because bundling doesn't always mean the lowest price with any insurer.
For customers who prefer to work with an agent, State Farm has a network of 19,000 agents around the country.
The automatic dwelling extension that's part of standard policies gives you a rebuilding cushion, but it only applies to covered losses. If water comes in from a flood or a backed-up sewer line and you don't have flood or water backup coverage, the added cushion pays nothing toward that damage.
The same goes for the other add-ons homeowners often assume are standard. Service line coverage pays for the underground pipes and lines running from the street to your house. Equipment breakdown coverage pays when systems like your furnace fail. Ordinance or law coverage pays the extra cost of rebuilding to current building codes, which an older home can trigger after even a partial loss.
A cheap quote without these and a pricier one with them aren't the same policy. Price also matters at renewal. State Farm's property and casualty lines posted a pre-tax operating profit of $8.5 billion in 2025, compared to a $111 million loss the year prior.
State Farm Homeowners Insurance Discounts
State Farm names eight homeowners discounts. Eligibility varies by state, so ask an agent which ones apply to your address before you compare quotes.
- Bundle (home and auto)
- Home security (fire, smoke or burglar alarms and protective devices)
- Roofing (impact-resistant or Class 4 shingles)
- Wind mitigation
- Wildfire mitigation (Colorado and Oregon)
- Claim-free (3 to 5 years)
- Fire hydrant proximity
- Hurricane-resistant windows
State Farm Homeowners Insurance Coverage
Dwelling
Dwelling coverage pays to repair or rebuild your home after a covered loss, and State Farm automatically increases the dwelling limit at no extra cost. This means your dwelling limit could stretch further if rebuilding costs run over. The extension doesn't change what the policy excludes, such as flooding.
Other Structures
Other structures coverage pays for detached structures on your property, such as a fence, shed or detached garage.
Personal Property
Personal property coverage pays to repair or replace your belongings after a covered loss. Higher-value items like jewelry may need the optional personal articles endorsement, an add-on that covers specific valuables.
Loss of Use
Loss of use coverage pays additional living expenses, such as a hotel or rental, while your home is unlivable after a covered loss.
Personal Liability
Personal liability coverage protects you if you're legally responsible for someone else's injury or property damage.
Medical Payments
Medical payments coverage pays medical bills for guests hurt on your property, regardless of who was at fault.
Frequently Asked Questions
Does State Farm home insurance cover flood damage?
No. Flooding is excluded from State Farm's homeowners policies, which is standard across most home insurance, not a gap unique to State Farm. If you want flood protection, an agent can refer you to the National Flood Insurance Program, the federal program that sells flood policies separately from homeowners coverage.
Can I bundle State Farm insurance for my car and home?
Yes. Bundling home and auto is one of State Farm's eight named homeowners discounts. Get quoted both ways, bundled and separate, because the combined total is what determines whether bundling helps in your case. State Farm insurance customers who already carry auto coverage with the company are the ones most likely to see a bundle make sense.
What states does State Farm not sell homeowners insurance in?
State Farm doesn't sell homeowners insurance in California, Massachusetts or Rhode Island. It's available in the other 47 states and D.C.
