SF
State FarmLargest U.S. home insurer
The largest home insurer in the U.S., with agents who can walk through coverage line by line.
- Local agent support
- Strong bundle savings
- New policies are limited in some high-risk states
Home Insurance · Updated October 2026
State Farm vs Allstate (2026)
Both are popular home insurance choices. Here's how they compare on dwelling coverage · deductible · exclusions, and which one fits which shopper.
The quick verdict
- State Farm Largest U.S. home insurer The largest home insurer in the U.S., with agents who can walk through coverage line by line.
- Allstate Best for bundling A wide range of discounts can lower the price for homeowners who bundle or add protective devices.
A
AllstateBest for bundling
A wide range of discounts can lower the price for homeowners who bundle or add protective devices.
- Many ways to save
- Online tools and app
- Premiums can be higher without discounts
Side-by-side comparison
SF | A | |
|---|---|---|
| Buy through | Local agents, online | Agents, online, app |
| Bundling | Auto, life, umbrella | Auto, life, renters |
| Availability | Varies by state | Varies by state |
| Visit site | Visit site |
Also consider
- USAA · Best for military families
What to compare before you choose
- 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.
Compare all home insurance providers that serve your ZIP code.
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