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Homeowners Insurance Review

State Farm Homeowners Insurance

State Farm

Homeowners coverage for dwelling, contents and liability, sold through local State Farm agents. Premiums are quoted individually.

At a Glance

Category

Homeowners Insurance

Premium

Personalized quote only

Coverage Type

Homeowners coverage for dwelling, contents and liability, sold through local State Farm agents

Key Features

Online quote that State Farm says may take less than 10 minutes

Separate manufactured home product in most states

Agents can help arrange flood and earthquake coverage

Pros & Cons

Pros

  • Large local agent network
  • Quote process pre-fills details from public records
  • Separate products for condos and manufactured homes

Tradeoffs

  • Flood and earthquake require separate coverage
  • Most homeowners policies do not cover mobile homes
  • Prices are quote-only; no published premium ranges

Best for: Homeowners who want a local agent and to bundle with State Farm auto

Frequently Asked Questions

How much does State Farm Homeowners Insurance typically cost?

State Farm does not publish a single price for this coverage. Your premium depends on your location, coverage limits, deductibles and personal risk factors, so request a personalized quote and compare it with at least one other insurer using the same limits.

Is State Farm financially stable?

Check State Farm's current financial strength rating directly with AM Best (ambest.com) or your state insurance department before you buy. Ratings can change, so we only show a rating here after confirming it on an official source.

Who is State Farm Homeowners Insurance best for?

Homeowners who want a local agent and to bundle with State Farm auto.

Other Insurance

Allstate Home Insurance

Dwelling, personal property, liability & loss of use

Travelers Home Insurance

Dwelling, personal property, liability & water backup

Nationwide Home Insurance

Dwelling, personal property, liability, loss of use & Brand New Belongings

Premiums shown are illustrative national averages as of 2026 and vary by state, coverage limits, and personal risk factors — get a personalized quote directly from the provider.

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