Largest US home insurer with strongest local-agent network + bundling discount.
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ClearValue Rating: 4.2 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Homeowners who want a local-agent relationship and bundle auto + home for the discount.
State Farm Home Insurance — Largest US home insurer with strongest local-agent network + bundling discount. Best for: Homeowners who want a local-agent relationship and bundle auto + home for the discount.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
State Farm ranks in the upper-middle tier in J.D. Power's annual homeowners insurance satisfaction studies — consistently above the industry average on claims handling and customer service. J.D. Power surveys thousands of homeowners annually on satisfaction with policy offerings, price, billing, and claims. State Farm's score reflects its scale (largest US insurer) combined with a local-agent model that provides more hands-on support during claims than direct-digital carriers.
State Farm stopped accepting new homeowners insurance applications in California in 2023, citing wildfire exposure and reinsurance costs. Existing State Farm policyholders in California may retain their policies, but new applicants need to look at other carriers. California's FAIR Plan (the state's insurer of last resort) is an option for properties in very high-risk areas; verify availability and current California options at the California Department of Insurance (insurance.ca.gov).
State Farm's average annual homeowners insurance premium is roughly $1,400–$2,200 for a standard policy, but pricing varies dramatically by ZIP code, home value, construction type, and coverage amounts. The largest premium savings come from bundling with State Farm auto — the combined discount can reduce total insurance costs 10–25% vs. purchasing each policy separately. Get an official quote at State Farm's website for your specific property.
State Farm Mutual Automobile Insurance Company holds an A++ (Superior) financial strength rating from A.M. Best — the highest tier available. Fewer than 10% of rated insurers achieve the A++ tier; it indicates superior ability to meet ongoing obligations, including large-loss claims events. Verify the current rating at ambest.com before purchasing.
Yes. State Farm offers a multi-policy discount when you combine homeowners and auto policies with State Farm — typically 10–25% off both policies, making bundled pricing the carrier's primary competitive lever for most households. The specific discount amount varies by state and policy details. Verify current discount availability at statefarm.com or with a local State Farm agent.
No. ClearValue Lending is not a licensed insurance broker or agent. This review presents publicly available information about State Farm homeowners insurance. Coverage terms, pricing, and availability vary by state and individual circumstances — obtain official quotes and policy details directly from State Farm or a licensed insurance professional.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
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