State Farm Homeowners Insurance Review (2026)

At $179 monthly for $250,000 in dwelling coverage, State Farm holds a 4.5 out of 5 MoneyGeek score, weighing cost, service and coverage, with affordability as the biggest factor.

Find out if you're overpaying for home insurance below.

Written by Mark Fitzpatrick

Updated: August 1, 2026

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State Farm

State Farm Home Insurance Ratings: MoneyGeek’s Review

MoneyGeek Rating

4.5/ 5

4.7/5Affordability

4.3/5Customer Experience

4/5Coverage Points

Average Annual Premium
$2,151
Number of Endorsements
5
Number of Discounts
4

pros
- 4.31 out of 5 for customer experience means fewer claim headaches
- No depreciation deduction on covered roof repairs through Select Service
- Discounts stack up for security systems, roofing, and mitigation work
cons
- Discount availability varies by state
- Wildfire mitigation discount only works in California
MoneyGeek rates State Farm 4.5 out of 5 overall, and most of that score comes down to price. Its affordability score alone is 4.73 out of 5, with rates averaging $179 a month for $250,000 in dwelling coverage, which is 35% less than what homeowners pay nationally for similar coverage.

When a homeowner needs repairs after a covered loss, State Farm's Select Service Home Repair Program lines up a vetted local contractor for roofing, water cleanup, general repairs or flooring. Because the program pays full replacement cost without subtracting for depreciation, a homeowner isn't left covering the difference between what something cost new and what it was worth right before the damage. Every repair done through the program also comes with a five-year workmanship warranty, so if something goes wrong with the work later, it's covered.

Homeowners can also customize a policy with coverage for things like sewer backups, broken home systems and valuable belongings, plus stack on a few discounts along the way. We go into all of those options, and what each one actually covers, further down this page. For now, the takeaway is that State Farm gives homeowners a policy that's both affordable and adjustable to fit their specific home.

We scored State Farm using a base profile: a middle-aged homeowner with a 2,500-square-foot home, good credit and no claims in the past 5+ years. Affordability carries the most weight in that score at 55%, followed by customer experience at 35% and coverage at 10%. That mix is what produced State Farm's 4.5 out of 5 overall score. Read more about MoneyGeek's home insurance methodology.

STATE FARM IS BEST FOR...

Homes built to FORTIFIED standards or approved building codes who qualify for a wind mitigation discount, and California homeowners who've taken wildfire prevention steps can add a separate wildfire discount. Those savings stack on top of a base rate that already runs below the national average. A homeowner who's already invested in these upgrades gets rewarded twice, once for the mitigation itself and again on the premium.

State Farm Homeowners Insurance Coverage Area

State Farm sells homeowners insurance in most U.S. states. It is not currently writing new policies in California, Massachusetts or Rhode Island. Coverage and pricing can look different depending on where you live.

If you're in one of those three states, it's worth checking directly with a State Farm agent to see what, if anything, is currently available to you. A local agent can also walk you through which discounts and coverage options actually apply where you live, and help put together a quote based on your specific home.

How Much Does State Farm’s Homeowners Insurance Cost?

State Farm’s average cost for $250,000 in dwelling coverage is $179 per month, based on MoneyGeek’s sample profile. Rates increase with higher coverage limits; for example, a State Farm policy with $1 million in dwelling coverage costs an average of $6,292 annually. Several factors, including location, home age, deductible and credit score, influence overall premiums.
Average homeowners insurance costs vary by dwelling coverage. Toggle to compare rates and find cheap homeowners insurance options that match your needs.

Data filtered by:


$100K Dwelling / $50K Personal Property / $100K Liability	$96	$1,146
$250K Dwelling / $125K Personal Property / $200K Liability	$179	$2,151
$500K Dwelling / $250K Personal Property / $300K Liability	$282	$3,378
$750K Dwelling / $375K Personal Property / $500K Liability	$397	$4,769
$1MM Dwelling / $500K Personal Property / $1MM Liability	$524	$6,292

State Farm Homeowners Insurance Cost by State

State Farm’s home insurance costs differ depending on where you live because local weather patterns, construction expenses and state regulations all affect premiums. In Iowa, the average annual cost is $2,215, compared with $1,184 in Nevada, where coverage is more affordable. The map outlines the company’s homeowners insurance availability for policies with $250,000 in dwelling coverage and a $1,000 deductible:


Alabama	$225	$2,698
Alaska	$109	$1,312
Arizona	$111	$1,334
Arkansas	$255	$3,061
California	$82	$986
Colorado	$196	$2,349
Connecticut	$158	$1,897
Delaware	$83	$994
District of Columbia	$109	$1,308
Florida	$311	$3,727
Georgia	$221	$2,656
Hawaii	$36	$433
Idaho	$104	$1,249
Illinois	$144	$1,726
Indiana	$167	$1,999
Iowa	$185	$2,215
Kansas	$251	$3,010
Kentucky	$197	$2,369
Louisiana	$375	$4,502
Maine	$71	$856
Maryland	$128	$1,537
Massachusetts	$127	$1,520
Michigan	$163	$1,956
Minnesota	$224	$2,682
Mississippi	$362	$4,349
Missouri	$245	$2,944
Montana	$199	$2,392
Nebraska	$323	$3,874
Nevada	$99	$1,184
New Hampshire	$84	$1,009
New Jersey	$111	$1,332
New Mexico	$129	$1,542
New York	$82	$980
North Carolina	$106	$1,274
North Dakota	$227	$2,726
Ohio	$125	$1,494
Oklahoma	$268	$3,220
Oregon	$100	$1,202
Pennsylvania	$118	$1,413
Rhode Island	$98	$1,181
South Carolina	$172	$2,064
South Dakota	$242	$2,900
Tennessee	$185	$2,225
Texas	$371	$4,455
Utah	$94	$1,123
Vermont	$85	$1,020
Virginia	$129	$1,551
Washington	$114	$1,369
West Virginia	$122	$1,463
Wisconsin	$113	$1,359
Wyoming	$130	$1,555

Note: Data above is for states in which MoneyGeek was able to collect data. It is not reflective of the company's availability in the state.

State Farm Homeowners Insurance Discounts

State Farm offers four homeowners insurance discounts, though the options you qualify for depend on your state. For example, you can save through a home security discount when you install fire, smoke or burglar alarms. The table shows how each discount works and what you need to do to qualify.


Home security discount	Save on your premium by installing approved protective devices such as smoke detectors, fire alarms or monitored security systems.
Roofing discount	Get a discount when you use qualifying impact-resistant or class 4 roofing materials and complete the certification form for verification.
Wind mitigation discount	Earn savings if your home meets FORTIFIED building standards, Florida Building Codes or other approved construction criteria.
Wildfire mitigation discount	In California, qualify for discounts when you take wildfire prevention measures or live in a designated fire-safe community.

What Does State Farm Homeowners Insurance Cover?

Every State Farm policy includes six core types of homeowners insurance coverage protecting your property and personal assets. The list shows what home insurance covers under a typical State Farm policy:

Optional Home Insurance Coverages from State Farm

State Farm offers five endorsements that extend your policy beyond standard coverage limits or add protection for risks a base policy excludes. The table below lists each option and what it covers. Availability varies by state, so confirm with your local agent which options are in your area.


Water Backup	Covers water damage caused by backed-up sewers or drains that isn’t included in standard home insurance.
Home Systems Protection	Helps repair or replace essential systems and appliances that break down due to mechanical or electrical failure.
Identity Theft	Provides coverage, for an annual fee of $25, to help pay for expenses and recovery costs related to identity fraud.
Scheduled Personal Property	Offers replacement cost coverage for high-value belongings such as jewelry, sports equipment and medical devices.
Umbrella Insurance	Adds extra liability protection beyond standard policy limits for personal injury or property damage claims.

What Does State Farm’s Home Insurance Not Cover?

State Farm's homeowners insurance excludes certain risks. Know what's not covered so you can buy extra protection when you need it.

How to Buy State Farm’s Homeowners Insurance

Buy home insurance from State Farm online or through a local agent. Both options let you compare coverage, customize limits and choose the right protection for your home.

1
Determine How Much Coverage You Need
Figure out how much home insurance you need. Create a home inventory to value your personal property.
2
Get a Quote Online or Through an Agent
Use State Farm's online tool for a quick quote or talk with an agent for a customized estimate.
3
Compare Policy Options
Review different coverage levels and deductible amounts to find what fits your situation.
4
Apply for Discounts
Ask about savings. Discounts for impact-resistant roofing or protective devices can lower your premium.
5
Review and Finalize Your Policy
Check your coverage limits, exclusions and deductibles before signing.

Compare State Farm's Home Insurance

MoneyGeek compared State Farm to other major national home insurers, including Allstate and Travelers, on affordability, customer experience and coverage options. State Farm leads across nearly every metric.


Average Monthly Premium	$179	$245	$453
Average Annual Premium	$2,151	$2,942	$5,435
Overall MG Score	4.50	4.20	3.65
Affordability Score	4.73	4.52	4.11
Customer Experience Score	4.31	3.88	3.81
Coverage Score	4.04	3.69	1.67

COMPARE STATE FARM TO OTHER PROVIDERS

State Farm Home Insurance Review: Bottom Line

MoneyGeek gives State Farm a 4.5 out of 5 overall, a score that comes down mostly to affordable pricing rather than an especially wide range of coverage options. For $250,000 in dwelling coverage, costs average $179 monthly. That makes State Farm worth a look for homeowners who want to keep their premium in check.

State Farm Home Insurance: FAQ

We answer common questions about State Farm home insurance:

Yes. With a MoneyGeek score of 4.5 out of 5, State Farm ranks among the leading insurers for its balance of affordability, customer satisfaction and coverage options. It offers both standard protections and valuable add-ons like water backup and identity theft coverage.

The average cost for a State Farm policy with $250,000 in dwelling coverage is $2,151 per year. Rates vary depending on your location, home features, credit score and the amount of coverage you choose.

Yes. State Farm offers four main discounts, including savings for installing home security devices, using impact-resistant roofing, meeting wind mitigation standards and taking wildfire prevention measures in eligible areas. Availability depends on your state.

Homeowners can enhance their protection with options such as water backup, home systems protection, personal articles coverage, identity theft restoration and umbrella insurance. These add-ons give you extra peace of mind beyond the standard policy.

State Farm’s standard homeowners policy doesn’t cover floods, earthquakes, intentional damage or losses linked to business use of the home. Separate flood or commercial coverage would be needed for those risks.

About Mark Fitzpatrick

Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident expert in insurance and economics. He has spent nearly a decade covering the market, first at LendingTree and now at MoneyGeek, where he analyzes hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.

Mark studied at Boston College before earning a master's in economics and international relations from Johns Hopkins University. Before MoneyGeek, he worked in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.

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Sources

State Farm. "Homeowners Insurance Discounts from State Farm." Accessed December 29, 2025.