State Farm homeowners insurance review (2026): the largest agent network in the country.

About State Farm homeowners insurance

State Farm is the largest home insurer in the U.S., built on a captive network of roughly 19,000 local agents. Its homeowners pricing sits near the national average, and its strength is service access — a local agent who knows your policy. Note that State Farm has pulled back on new business in some catastrophe-exposed markets like California.

Who State Farm homeowners insurance is right for

Homeowners who value a local agent relationship and reliable nationwide claims, especially those bundling with State Farm auto.

How much does State Farm homeowners insurance cost?

State Farm homeowners insurance averages roughly $1,915/year (about $160/month) for a standard policy with around $300,000 in dwelling coverage and a $1,000 deductible — about the national average of about $1,915. Homeowners pricing varies enormously by state, dwelling amount, roof age, and claims history, so treat this as a directional benchmark and get a quote for your specific home.

Availability: Nationwide.

State Farm homeowners insurance pros and cons

State Farm’s recent rate filings

The actual rate changes State Farm filed with state insurance regulators — primary-source numbers, not estimates. In the filings we track, State Farm filed 8 home rate changes across 8 states, averaging +5.7% and 30 auto rate changes across 14 states, averaging −4.0%. Each row links to the filing in our rate-filings ledger.

Filed/approved statewide-average changes from each state’s Department of Insurance; a filed average is not your rate — your change depends on your ZIP, coverage, and risk profile, and a cut often reaches new customers before renewals. Not a quote.

Compare State Farm homeowners rates by state

Frequently asked questions