State Farm Homeowners Insurance Review
State Farm remains one of the most financially secure U.S. property/casualty insurers, with core companies carrying an A++ (Superior) Financial Strength Rating from AM Best and stable outlooks (accessed 2025). The group’s scale and capital strength underpin claim-paying ability, while its digital experience allows customers to quote, manage policies, and file claims online or in the app (State Farm mobile app; Claims Center). Complaint levels for homeowners coverage are below the industry average according to recent analyses of NAIC data (NAIC Complaint Index; Forbes Advisor 2025). Availability and pricing vary by state and underwriting, reflecting 2025 market conditions such as elevated severe weather losses and tighter underwriting terms (NOAA Billion‑Dollar Disasters; AM Best 2025 U.S. Personal Lines outlook).
We’ve done updated research on this insurer and how it compares with the best homeowners insurance companies. To inform this review, we referenced current financial strength assessments (AM Best), the latest satisfaction findings from the J.D. Power U.S. Home Insurance Study, and complaint trends verified in NAIC’s Consumer Information Source (CIS). Use the details below to see if State Farm’s mix of financial strength, service, and coverage aligns with your needs in 2025.
State Farm Overview
Current complaint experience is favorable: State Farm’s homeowners line draws fewer‑than‑expected complaints relative to its size (below 1.00 on NAIC’s standardized index), based on recent third‑party analyses of NAIC data (lower-than-average). You can verify the latest closed-complaint reports by line and year in NAIC CIS. Service is available through a large local‑agent network and digital channels 24/7, including online claim initiation and tracking (Claims Center) and account management in the State Farm app.
Our State Farm Home Insurance Review covers coverage details, pricing context, and service. When shopping for homeowners insurance, comparing quotes from multiple carriers and asking about state‑specific discounts or mitigation credits (e.g., roof or wildfire hardening) can help you balance cost and protection in today’s market (AM Best personal lines outlook; J.D. Power 2025 Home Insurance Study).
PROS
CONS
State Farm Home Insurance Highlights
The Competition
| Company | Reviews.com Score | AM Best Financial Strength Rating | 2020 J.D. Power Score | NAIC Customer Complaints |
| State Farm | 3.75 | A++ | See latest study (regional) | Fewer complaints than average |
| Geico | 2.75 | A++ | See latest study (regional) | Fewer complaints than average |
| Allstate | 4 | A+ | See latest study (regional) | More complaints than average |
| Progressive | 3.75 | A+ | See latest study (regional) | More complaints than average |
*Sources accessed in 2025.
State Farm vs Geico
State Farm underwrites its own homeowners policies, while Geico typically partners with other insurers for home coverage. At the enterprise level, State Farm remains the largest U.S. private‑passenger auto insurer, with GEICO among the top three by market share (Insurance Information Institute), reflecting scale and brand strength. All else equal, this scale and State Farm’s A++ AM Best rating support stability; discount and endorsement availability for both brands still varies by state and underwriting. For a local view of service quality, consult regional rankings in the latest J.D. Power Home Insurance Study and review complaint data in NAIC CIS.
Both carriers offer strong digital self‑service. State Farm adds a broad agent network and an established app/claims flow (Claims Center; mobile app). Regardless of carrier, verify which discounts and policy features are filed and available in your state.
State Farm vs. Allstate
Both State Farm and Allstate underwrite their own homeowners policies and sell through national agent networks. Financial strength differs: State Farm holds A++ from AM Best, while Allstate reports A+ (Allstate ratings). Recent summaries of NAIC complaint files indicate State Farm has below‑average homeowners complaints, whereas Allstate’s levels are often higher; verify current figures for your state in NAIC CIS. Given 2025 market conditions (pricing and underwriting changes), compare endorsements, deductibles, and any roof or water‑damage terms side by side.
The Bottom Line
State Farm pairs top‑tier financial strength (AM Best A++) with broad agent support and a mature digital experience. Complaint levels are favorable versus industry averages, and service options span online, mobile, and local agents. In 2025, homeowners pricing and terms continue to evolve due to severe weather and reinsurance dynamics (NOAA; AM Best outlook). Compare multiple quotes, confirm state‑specific discounts or mitigation credits (e.g., wildfire hardening in California), and review roof and water‑damage provisions to ensure the best fit for your home and budget.
Methodology
We evaluated State Farm’s homeowners insurance on customer experience, complaint levels, coverage, and financial strength. Inputs included NAIC’s closed-complaint data via CIS, the latest J.D. Power U.S. Home Insurance Study for satisfaction trends, and financial strength from AM Best. We also used market context from NOAA’s catastrophe data and AM Best’s 2025 personal lines outlook, and reviewed company information published in the State Farm Newsroom.
- Customer Ratings: We referenced J.D. Power’s latest Home Insurance Study, which publishes regional satisfaction rankings and trends for homeowners insurance carriers.
- Coverage: We reviewed standard HO-3 coverage and current market practices that affect terms (e.g., roof deductibles, water sublimits) to compare options.
- Confidence: Financial strength was assessed using AM Best’s insurer financial strength ratings and outlook commentary (accessed 2025).
- Customer Experience: We reviewed NAIC’s complaint data and third‑party analyses to gauge relative complaint levels versus market share.
