TLDR
  • Estimated $1,915/year (~$160/month) for a standard $300k policy — about the national average
  • NAIC complaint ratio 1.08 (near industry average); B+ financial strength
  • Availability: Nationwide
  • Largest local agent network in the country
  • Pricing only around the national average
NAIC complaint ratio  1.08  — near industry average

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

Pros

  • Largest local agent network in the country
  • Reliable nationwide claims handling
  • Meaningful bundle discount with State Farm auto

Cons

  • Pricing only around the national average
  • Complaint ratio slightly above average for mutuals
  • Has restricted new business in some high-risk states

Bottom line: State Farm is a safe, agent-first default — strongest if you bundle auto. But it's rarely the cheapest, so compare it with USAA, Amica, and your best regional carrier.

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Compare State Farm homeowners rates by state

California →Texas →Florida →New York →Colorado →Oklahoma →Ohio →Georgia →North Carolina →Illinois →Pennsylvania →Michigan →Virginia →Washington →Tennessee →

Frequently asked questions

How much is State Farm homeowners insurance?
Roughly $1,915/year (~$160/month) for a standard $300k-dwelling policy — about the national average. Your exact price depends on your home, deductible, and claims history.

Is State Farm good for homeowners insurance?
It carries an NAIC complaint ratio of 1.08 (near industry average) and B+ financial strength. State Farm is a safe, agent-first default — strongest if you bundle auto. But it's rarely the cheapest, so compare it with USAA, Amica, and your best regional carrier.

Not sure how much coverage you need?
Use the home coverage calculator to size your dwelling, liability, and add-ons before you compare State Farm against other carriers.

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