See RatesSecure site · Updated July 2026
- Avg. monthly premium
- $118
- Coverage types
- Home, Condo, Renters, Rental Dwelling
- Bundling discount
- Up to 23%
- Availability
- 48 states
Why it stands out
State Farm highlights
- Nationwide network of nearly 19,000 local agents
- Deep multi-line discount when you add auto
- Optional coverage for backup of sewers and drains
- Strong financial strength ratings for claim-paying ability
The verdict at a glance
Pros and cons
Pros
- In-person agent support in every state
- One of the largest home-plus-auto bundle discounts
- Reliable claims record over decades
Cons
- Online quote tools trail app-first rivals
- Premiums can run high in wildfire and storm zones
Our full review
Our take on State Farm
State Farm writes more homeowners policies than anyone else and backs them with roughly 19,000 local agents you can actually sit across from. Bundle a home and auto policy and the multi-line discount is among the deepest in the business.
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Figures shown are illustrative editorial examples and may change. Confirm current rates, fees, and terms on State Farm’s own site before you apply.
The alternatives
How State Farm compares
Other top-rated insurers in Home Insurance. Compare the numbers side by side before you decide.
| # | Provider | Rating | Avg. monthly premium | Best for | |
|---|---|---|---|---|---|
| 1 | Lemonade | $92 | Renters and homeowners who want it digital | Get Quote | |
| 2 | Allstate | $126 | Buyers who stack every discount available | See Rates | |
| 3 | Amica | $134 | Owners who prize claims-handling quality | Get Quote | |
| 4 | USAA | $108 | Military members and their families | See Rates |
- Lemonade4.9Best for Renters and homeowners who want it digital
- Allstate4.5Best for Buyers who stack every discount available
- Amica4.4Best for Owners who prize claims-handling quality
- USAA4.3Best for Military members and their families