Written by Leslie Kasperowicz
Executive EditorLeslie Kasperowicz is an insurance expert with four years of direct agency experience and over a decade of creating educational content to help insurance shoppers make confident, informed decisions.
Data checked by Brent Buell
Before joining QuinStreet, Brent worked for nearly four years at NYCM Insurance (a personal and commercial insurance carrier based in New York) between his roles as a product analyst and a commercial lines underwriter. Before joining NYCM, Brent owned and operated a captive insurance agency. He holds a property & casualty broker's license and is a Chartered Property Casualty Underwriter (CPCU).
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Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media.
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Overall Score 4.3/5 How we weigh our score Overall Rating 4.3 Average Premium 4.6 Customer Satisfaction 4.2 How we weigh our score × Overall Rating 4.3 Average Premium 4.6 Customer Satisfaction 4.2State Farm is the biggest name in home insurance, and because the company is so big, it can offer affordable home insurance rates and a solid financial footing to pay claims.
“Major insurers typically possess robust financial reserves and diversification, ensuring reliable claim payouts even during economic challenges,” says Siwei Gao, professor of insurance studies at Eastern Kentucky University.
State Farm performed very well in our 2024 best homeowners insurance companies ranking, earning the No. 4 spot on our list.
State Farm operates on a captive agent system, which means policies are sold through agents who work solely for State Farm. While that’s something of an old-school approach, the company has integrated modern insurance technology well; most services are available online. You can get a State Farm home insurance quote and even buy a policy without speaking to an agent.
Overall: State Farm is a highly-rated, financially stable pick for home insurance, but has limited discounts.
State Farm home insurance is available in all 50 states and Washington, D.C., with one caveat: the company isn’t writing new policies in California. Although many companies are pulling back in Florida, State Farm has stated it’s committed to staying.
