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 USAA (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.
- USAA Best for military families If you qualify for membership, it is one of the most popular choices among military households.
U
USAABest for military families
If you qualify for membership, it is one of the most popular choices among military households.
- Strong reputation with military households
- Online and app service
- Membership eligibility required
Side-by-side comparison
SF | U | |
|---|---|---|
| Buy through | Local agents, online | Online, app, phone |
| Bundling | Auto, life, umbrella | Auto, renters, life |
| Availability | Varies by state | Military members, veterans and eligible family |
| Visit site | Visit site |
Also consider
- Allstate · Best for bundling
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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