The short version
The largest home insurer in the U.S., with agents who can walk through coverage line by line. On our home insurance comparison, it's labeled Largest U.S. home insurer.
Key facts
| Buy through | Local agents, online |
|---|
| Bundling | Auto, life, umbrella |
|---|
| Availability | Varies by state |
|---|
What stands out
- Local agents in most communities
- Multi-policy discount when bundled with auto
- Optional coverages such as identity restoration
Pros and cons
Pros
- Local agent support
- Strong bundle savings
Cons
- New policies are limited in some high-risk states
How State Farm compares
Side-by-side comparison
| SF State Farm | A Allstate | U USAA |
|---|
| Buy through | Local agents, online | Agents, online, app | Online, app, phone |
| Bundling | Auto, life, umbrella | Auto, life, renters | Auto, renters, life |
| Availability | Varies by state | Varies by state | Military members, veterans and eligible family |
| Visit site | Visit site | Visit site |
Head-to-head comparisons
Alternatives to consider
What to check before you sign up
Whichever home insurance provider you choose, compare these points:
- Coverage A amount. Should reflect the cost to rebuild, which is different from market value or purchase price.
- Replacement cost vs. ACV. Replacement cost pays to replace items new. Actual cash value subtracts depreciation.
- Standard and wind/hail deductibles. Some areas use a separate percentage deductible for wind, hail or hurricanes.
- What is not covered. Flood and earthquake are usually excluded and need separate policies.
